EWS Long Term Growth Framework
Strong 9% 2023 Non-mortgage growth in
challenging mortgage market
Delivered on 3Q Margin and EPS framework against challenging mortgage macro...
Adjusted EPS and Adjusted EBITDA margins in-line with expectations... EBITDA margins
+60 bp sequentially
Strong 11% EWS Non-mortgage growth... signed 4 new payroll providers... reached
163M current TWN records up 2 million from 2Q23... ~25% Vitality Index... Adjusted
EBITDA margins of 51%
USIS B2B Non-mortgage growth of 8% / 4% organic... B2B Online non-mortgage
up 10%... Adjusted EBITDA margins of 34%... focused on completing cloud migrations
International up 12% C$... organic C$ +3%... strong performance in LATAM, UK CRA...
NPI driving results... Expanding EBITDA margins
Record 3Q Vitality Index 15%... above 10% LT goal... Cloud delivering benefits / NPI
Accelerated Cloud cost savings and broader restructuring plan will deliver spending
reduction of $210M in 2023 and over $275M in 2024
Reduced 4Q revenue outlook by $33 million from weaker mortgage market and FX
offset by Brazil... 4Q Non-mortgage framework up strong 13%
New EFX
8-12% LT Revenue Growth
Strong EWS Growth...
Approaching 50% of EFX
Completing Cloud...
Delivering NPI and Cost
Benefits
Accelerating FCF
Accretive bolt-on M&A
$210M spending
reduction in 2023... over
$275M in 2024
EQUIFAX
Note: This slide contains forward-looking information, including 2023 guidance. Actual results may differ materially from our historical experience
and our present expectations or projections
PROPRIETARY | 15View entire presentation