Dividend Power Score
A single, comprehensive score designed to measure the true strength of a company’s dividend.
This score combines three essential pillars of dividend quality:
Consistency – Measures how reliable the dividend has been over time, focusing on payment history, stability, and the absence of cuts or suspensions.
Payability – Assesses the company’s financial ability to sustain its dividend, taking into account cash flow, earnings coverage, balance sheet strength, and overall financial health.
Growth – Evaluates the long-term growth of both the dividend and the company’s share price, highlighting businesses that consistently increase payouts while creating shareholder value.
Higher scores identify companies that have historically delivered dependable income alongside sustained dividend growth and long-term capital appreciation.
Company Overview
Equifax Inc. is a global data, analytics, and technology company that operates primarily in the credit reporting, financial information services, and identity and fraud solutions industries. The company collects, aggregates, and analyzes consumer and commercial data to help businesses, governments, and consumers assess risk, prevent fraud, and make informed financial decisions. Its core customers include financial institutions, mortgage lenders, employers, insurers, government agencies, and large enterprises across multiple regulated industries.
Founded in 1899 as the Retail Credit Company, Equifax has evolved from a regional credit information provider into one of the three major U.S. consumer credit reporting agencies. Over time, the company expanded internationally and diversified into workforce verification, identity protection, and advanced analytics. Following a major cybersecurity breach disclosed in 2017, Equifax undertook a multiyear transformation focused on cloud-based infrastructure, data security, and technology modernization, which remains central to its current operating strategy.
Business Operations
Equifax generates revenue through three primary operating segments: U.S. Information Solutions, International, and Workforce Solutions. U.S. Information Solutions provides consumer credit reports, credit scores, fraud detection tools, and analytics primarily to lenders and financial service providers. International delivers similar credit and analytics services across foreign markets, with products tailored to local regulatory and data environments. Workforce Solutions offers employment, income, and education verification services, primarily through employer-provided payroll and HR data, serving lenders, employers, and government agencies.
The company operates extensive proprietary databases, analytics platforms, and cloud-based technology infrastructure that support real-time data delivery and decisioning. Equifax maintains long-term data-sharing relationships with employers, financial institutions, and public record providers. Key subsidiaries include Equifax Information Services LLC in the United States and various country-specific operating entities that support its international presence.
Strategic Position & Investments
Equifax’s strategic direction emphasizes growth through data-driven solutions, cloud-native technology, and identity-centric products. The company has invested heavily in its internal technology transformation, including the migration of core systems to a single cloud architecture designed to improve scalability, security, and product development speed. This technology platform underpins new analytics, fraud prevention, and identity verification offerings.
In recent years, Equifax has pursued targeted acquisitions to expand data assets and analytics capabilities, including workforce data providers and international credit bureaus. The company continues to invest in emerging areas such as digital identity, fraud prevention, and alternative data analytics, particularly as demand grows for real-time credit decisioning and identity verification in digital financial services.
Geographic Footprint
Equifax is headquartered in Atlanta, Georgia, and operates in more than 20 countries worldwide. Its largest market is North America, which accounts for the majority of revenue, driven by U.S.-based credit reporting and workforce verification services. The company also has significant operations in Latin America, Europe, and the Asia-Pacific region.
International operations include established credit bureaus and analytics businesses in countries such as Canada, the United Kingdom, Australia, India, Brazil, and Argentina. Through these markets, Equifax plays a role in supporting consumer lending, commercial credit, and financial inclusion initiatives, while adapting its services to local regulatory frameworks and data availability.
Leadership & Governance
Equifax is led by an executive team with experience across financial services, technology, data analytics, and regulated industries. The company’s leadership emphasizes security-first operations, data stewardship, and long-term value creation through technology investment and product innovation.
Key executives include:
- Mark W. Begor – Chief Executive Officer
- John W. Gamble, Jr. – Chief Financial Officer
- Jamil Farshchi – Chief Technology Officer
- Melissa D. Seixas – Chief Legal Officer and Corporate Secretary
- Amy L. Armstrong – Chief Human Resources Officer