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Last updated on June 19, 2013 at 20:50 EDT

Equifax Reports Record Second Quarter 2012 Results

July 25, 2012

ATLANTA, July 25, 2012 /PRNewswire/ — Equifax Inc. (NYSE: EFX) today announced financial results for the quarter ended June 30, 2012. The company reported revenue of $535.8 million in the second quarter of 2012, a 10 percent increase from the second quarter of 2011. On a non-GAAP basis, second quarter revenue was up 14 percent in U.S. dollars and 15 percent in local currency, excluding Brazilian operating results due to the deconsolidation of Brazil in the second quarter of 2011.

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Second quarter diluted EPS attributable to Equifax was $0.62. On a non-GAAP basis, adjusted EPS attributable to Equifax, excluding the loss on the deconsolidation of Brazil and the impact of acquisition-related amortization expense, net of tax, was $0.74, up 21 percent from the second quarter of 2011.

“Broad-based revenue growth and operating performance were ahead of our expectations in the second quarter as our four largest business segments continued to execute well against their strategic objectives,” said Richard F. Smith, Equifax’s Chairman and Chief Executive Officer. “While mortgage activity continues to be strong, we do expect it to slow down later in 2012. However, the core non-mortgage revenue growth continues to be within the range of our long term business model as our investments in new product innovation and key strategic growth initiatives continue to pay off.”

Second Quarter 2012 Highlights

  • In addition to the financial highlights noted above, second quarter 2012 net income attributable to Equifax was $76.4 million, a 122 percent increase and a 23 percent increase on a non-GAAP basis from the prior year excluding the loss on the deconsolidation of Brazil.
  • Operating margin was 24.8 percent for the second quarter of 2012, up 130 basis points from the second quarter of 2011.
  • We repurchased 1.1 million of our common shares on the open market for $51.1 million during the second quarter of 2012. At June 30, 2012, our remaining authorization for future share repurchases was $261.0 million.

U.S. Consumer Information Solutions (USCIS)

Total revenue was $230.1 million in the second quarter of 2012 compared to $194.0 million in the second quarter of 2011, an increase of 19 percent.

  • Online Consumer Information Solutions revenue was $153.4 million, up 20 percent from a year ago.
  • Mortgage Solutions revenue was $40.6 million, up 51 percent from a year ago.
  • Consumer Financial Marketing Services revenue was $36.1 million, down 9 percent when compared to a year ago.

Operating margin for USCIS was 38.3 percent in the second quarter of 2012 compared to 36.5 percent in the second quarter of 2011.

International

Total revenue was $119.5 million in the second quarter of 2012, a 9 percent decrease from the second quarter of 2011. On a non-GAAP basis, excluding Brazil, revenue grew 4 percent on a reported basis and 9 percent on a local currency basis.

  • Latin America revenue was $46.3 million, down 22 percent in U.S. dollars from a year ago. On a non-GAAP basis, excluding Brazil, revenue grew 12 percent in local currency and 7 percent in U.S. dollars from a year ago.
  • Europe revenue was $41.3 million, up 11 percent in local currency and 6 percent in U.S. dollars from a year ago.
  • Canada Consumer revenue was $31.9 million, up 2 percent in local currency and down 2 percent in U.S. dollars from a year ago.

Operating margin for International was 29.2 percent in the second quarter of 2012 compared to 26.1 percent in the second quarter of 2011.

Workforce Solutions

Total revenue was $115.2 million in the second quarter of 2012, a 20 percent increase over the second quarter of 2011.

  • Verification Services revenue was $63.3 million, up 42 percent when compared to a year ago.
  • Employer Services revenue was $51.9 million, consistent with a year ago.

Operating margin for Workforce Solutions was 23.4 percent in the second quarter of 2012 compared to 21.6 percent in the second quarter of 2011.

North America Personal Solutions

Revenue was $50.7 million, a 12 percent increase from the second quarter of 2011. Operating margin was 29.8 percent compared to 27.7 percent in the second quarter of 2011.

North America Commercial Solutions

Revenue was $20.3 million, down 2 percent in U.S. dollars and 1 percent in local currency compared to the second quarter of 2011. Operating margin was 14.0 percent, compared to 20.9 percent in the second quarter of 2011.

Third Quarter 2012 Outlook

Based on the current level of domestic and international business activity and current foreign exchange rates as well as continued strength in mortgage activity, consolidated revenue for the third quarter of 2012 is expected to be up 9 to 11 percent from the year-ago quarter. Third quarter 2012 adjusted EPS attributable to Equifax, which excludes the impact of acquisition-related amortization expense, is expected to be between $0.71 and $0.74.

About Equifax

Equifax is a global leader in consumer, commercial and workforce information solutions, that provides businesses of all sizes and consumers with insight and information they can trust. Equifax organizes and assimilates data on more than 500 million consumers and 81 million businesses worldwide, and uses advanced analytics and proprietary technology to create and deliver customized insights that enrich both the performance of businesses and the lives of consumers.

Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is a member of Standard & Poor’s (S&P) 500® Index. Its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. For more information, please visit www.equifax.com.

Earnings Conference Call and Audio Webcast

In conjunction with this release, Equifax will host a conference call tomorrow, July 26, 2012, at 8:30 a.m. (EDT) via a live audio webcast. To access the webcast, go to the Investor Center of our website at www.equifax.com. The discussion will be available via replay at the same site shortly after the conclusion of the webcast. This press release is also available at that website.

Non-GAAP Financial Measures

This earnings release presents operating revenue excluding the results of our Brazilian operations from Equifax Inc., International, and Latin America revenue. The release also presents net income and diluted EPS attributable to Equifax which excludes acquisition-related amortization expense, net of tax. These are important financial measures for Equifax but are not financial measures as defined by GAAP.

These non-GAAP financial measures should be reviewed in conjunction with the relevant GAAP financial measures and are not presented as an alternative measure of operating revenue or EPS as determined in accordance with GAAP.

Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures and related notes are presented in the Q&A. This information can also be found under “Investor Center/GAAP/Non-GAAP Measures” on our website at www.equifax.com.

Forward-Looking Statements

This release contains forward-looking statements or forward-looking information. These statements can be identified by expressions of belief, expectation or intention, as well as statements that are not historical fact. These statements are based on certain factors and assumptions including with respect to foreign exchange rates, expected growth, results of operations, performance, business prospects and opportunities and effective tax rates. While the company believes these factors and assumptions to be reasonable based on information currently available, they may prove to be incorrect.

Several factors could cause actual results to differ materially from those expressed or implied in the forward-looking statements, including, but not limited to actions taken by us, including restructuring or strategic initiatives (including capital investments or asset acquisitions or dispositions), as well as from developments beyond our control, including, but not limited to, changes in worldwide and U.S. economic conditions that materially impact consumer spending, consumer debt and employment and the demand for Equifax’s products and services. Other risk factors include our ability to successfully develop and market new products and services, respond to pricing and other competitive pressures, complete and integrate acquisitions and other investments and achieve targeted cost efficiencies; risks relating to illegal third party efforts to access data; changes in, and the effects of, laws and regulations and government policies governing our business, including the Dodd-Frank Wall Street Reform and Consumer Protection Act, in particular the establishment of a new Consumer Financial Protection Bureau with authority to write rules impacting the business of, conduct examinations of, and enforce the laws and regulations it writes against credit reporting companies, and related regulations, federal or state responses to identity theft concerns; adverse or uncertain economic conditions and changes in credit and financial markets; the European sovereign debt crisis; the recent downgrade of U.S. sovereign debt and political concerns over related budgetary matters, exchange rates; timing and amount of capital expenditures; changes in capital markets and corresponding effects on the company’s investments and benefit plan obligations; earnings exchange rates and the decisions of taxing authorities, all of which could affect our effective tax rates; and potential adverse developments in new and pending legal proceedings or governments investigations. Additional risks and uncertainties can be found in our Annual Report on Form 10-K for the year ended December 31, 2011 under captions “Forward-Looking Statements” and “Item 1A, “Risk Factors”, and in our other filings with the U.S. Securities and Exchange Commission. Forward-looking statements are given only as at the date of this release and the company disclaims any obligation to update or revise the forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.

    EQUIFAX
    CONSOLIDATED STATEMENTS OF INCOME
    ---------------------------------
                                                                                  Three Months Ended
                                                                                       June 30,
                                                                                       --------
                                                                                       2012             2011
                                                                                       ----             ----
     (In millions, except per share amounts)                                            (Unaudited)
                                                                                        ----------
    Operating revenue                                                      $535.8               $487.1
                                                                           ------               ------
    Operating expenses:
       Cost of services (exclusive of depreciation and amortization below)            203.6            188.7
       Selling, general and administrative expenses                                   158.3            142.7
       Depreciation and amortization                                                   41.2             41.1
              Total operating expenses                                                403.1            372.5
                                                                                      -----            -----
    Operating income                                                                  132.7            114.6
       Interest expense                                                               (13.7)           (13.7)
       Other income (expense), net                                                      2.2             (9.6)
    Consolidated income before income taxes                                           121.2             91.3
       Provision for income taxes                                                     (42.4)           (54.2)
    Consolidated net income                                                            78.8             37.1
       Less:  Net income attributable to noncontrolling interests                      (2.4)            (2.6)
    Net income attributable to Equifax                                      $76.4                $34.5
                                                                            =====                =====

    Basic earnings per common share                                         $0.64                $0.28
                                                                            =====                =====
    Weighted-average shares used in computing basic earnings per share                120.3            122.8
                                                                                      =====            =====
    Diluted earnings per common share                                       $0.62                $0.28
                                                                            =====                =====
    Weighted-average shares used in computing diluted earnings per share              122.8            124.6
                                                                                      =====            =====
    Dividends per common share                                              $0.18                $0.16
                                                                            =====                =====

    EQUIFAX
    CONSOLIDATED STATEMENTS OF INCOME
    ---------------------------------
                                                                                    Six Months Ended
                                                                                        June 30,
                                                                                        --------
                                                                                        2012             2011
                                                                                        ----             ----
     (In millions, except per share amounts)                                             (Unaudited)
                                                                                         ----------
    Operating revenue                                                      $1,058.5              $959.7
                                                                           --------              ------
    Operating expenses:
       Cost of services (exclusive of depreciation and amortization below)             404.8            380.7
       Selling, general and administrative expenses                                    309.4            271.5
       Depreciation and amortization                                                    82.6             83.8
              Total operating expenses                                                 796.8            736.0
                                                                                       -----            -----
    Operating income                                                                   261.7            223.7
       Interest expense                                                                (27.5)           (27.5)
       Other income (expense), net                                                       3.6             (9.3)
    Consolidated income before income taxes                                            237.8            186.9
       Provision for income taxes                                                      (85.3)           (90.5)
    Consolidated net income                                                            152.5             96.4
       Less:  Net income attributable to noncontrolling interests                       (4.6)            (4.6)
    Net income attributable to Equifax                                       $147.9               $91.8
                                                                             ======               =====

    Basic earnings per common share                                           $1.23               $0.75
                                                                              =====               =====
    Weighted-average shares used in computing basic earnings per share                 120.1            122.8
                                                                                       =====            =====
    Diluted earnings per common share                                         $1.21               $0.74
                                                                              =====               =====
    Weighted-average shares used in computing diluted earnings per share               122.6            124.6
                                                                                       =====            =====
    Dividends per common share                                                $0.36               $0.32
                                                                              =====               =====

    EQUIFAX
    CONSOLIDATED BALANCE SHEETS
    ---------------------------
                                                                                                    June 30,             December 31,
                                                                                                    --------             ------------
                                                                                                                   2012                   2011
                                                                                                                   ----                   ----

    (In millions, except par values)                                                                (Unaudited)
                                                                                                     ----------
    ASSETS
    Current assets:
       Cash and cash equivalents                                                                                 $183.1                 $127.7
       Trade accounts receivable, net of allowance for doubtful accounts of $6.0 and $5.9 at
         June 30, 2012 and December 31, 2011, respectively                                                        293.9                  284.4
       Prepaid expenses                                                                                            30.2                   24.6
       Other current assets                                                                                         9.8                   15.6

         Total current assets                                                                                     517.0                  452.3
                                                                                                                  -----                  -----

    Property and equipment:
       Capitalized internal-use software and system costs                                                         350.4                  332.2
       Data processing equipment and furniture                                                                    196.6                  183.1
       Land, buildings and improvements                                                                           174.7                  178.4

         Total property and equipment                                                                             721.7                  693.7

       Less accumulated depreciation and amortization                                                            (433.0)                (400.8)

        Total property and equipment, net                                                                         288.7                  292.9
                                                                                                                  -----                  -----

    Goodwill                                                                                                    1,961.3                1,961.2
    Indefinite-lived intangible assets                                                                             95.6                   95.6
    Purchased intangible assets, net                                                                              505.9                  550.2
    Other assets, net                                                                                             152.6                  156.4
                                                                                                                  -----                  -----
           Total assets                                                                                        $3,521.1               $3,508.6
                                                                                                               ========               ========

    LIABILITIES AND EQUITY

    Current liabilities:
        Short-term debt and current maturities                                                                    $17.0                  $47.2
        Accounts payable                                                                                           30.2                   27.5
        Accrued expenses                                                                                           64.1                   56.3
        Accrued salaries and bonuses                                                                               61.2                   79.2
        Deferred revenue                                                                                           54.3                   55.8
        Other current liabilities                                                                                  67.0                   96.8
                                                                                                                   ----                   ----
           Total current liabilities                                                                              293.8                  362.8
    Long-term debt                                                                                                951.8                  966.0
    Deferred income tax liabilities, net                                                                          228.7                  227.8
    Long-term pension and other postretirement benefit liabilities                                                167.9                  176.4
    Other long-term liabilities                                                                                    51.0                   53.5
                                                                                                                   ----                   ----
       Total liabilities                                                                                        1,693.2                1,786.5
                                                                                                                -------                -------

    Equifax shareholders' equity:
       Preferred stock, $0.01 par value: Authorized shares - 10.0; Issued shares - none                               -                      -
       Common stock, $1.25 par value: Authorized shares - 300.0;
          Issued shares - 189.3 at June 30, 2012 and December 31, 2011;
          Outstanding shares - 119.8 and 119.6 at June 30, 2012 and December 31, 2011, respectively               236.6                  236.6
       Paid-in capital                                                                                          1,125.7                1,118.0
       Retained earnings                                                                                        2,983.6                2,879.2
       Accumulated other comprehensive loss                                                                      (390.9)                (391.8)
       Treasury stock, at cost, 68.9 shares and 69.1 shares at June 30, 2012 and
         December 31, 2011, respectively                                                                       (2,143.8)              (2,133.7)
       Stock held by employee benefits trusts, at cost, 0.6 shares at June 30, 2012 and
         December 31, 2011                                                                                         (5.9)                  (5.9)
                                                                                                                   ----                   ----
       Total Equifax shareholders' equity                                                                       1,805.3                1,702.4
    Noncontrolling interests                                                                                       22.6                   19.7
                                                                                                                   ----                   ----
       Total equity                                                                                             1,827.9                1,722.1
                                                                                                                -------                -------
           Total liabilities and equity                                                                        $3,521.1               $3,508.6
                                                                                                               ========               ========

    EQUIFAX
    CONSOLIDATED STATEMENTS OF
     CASH FLOWS
    --------------------------
                                                   Six Months Ended
                                                         June 30,
                                                         --------
                                                    2012             2011
                                                    ----             ----
    (In
     millions)                                     (Unaudited)
    Operating
     activities:
      Consolidated
       net income                          $152.5             $96.4
      Adjustments to reconcile
       consolidated net income to
       net cash provided
        by operating
         activities:
          Loss on
           divestitures                         -              27.8
          Depreciation and
           amortization                             82.4             83.5
          Stock-based
           compensation expense                     15.0             11.8
          Excess tax benefits from
           stock-based compensation
           plans                                    (0.5)            (0.6)
          Deferred
           income
           taxes                                    (0.8)             6.1
          Changes in assets and
           liabilities, excluding
           effects of acquisitions:
            Accounts
             receivable,
             net                                    (9.8)           (15.2)
            Prepaid expenses and
             other current assets                   (1.5)            (8.8)
            Other assets                             0.9              8.1
            Current liabilities,
             excluding debt                        (36.9)           (51.3)
            Other long-term
             liabilities,
             excluding debt                         (0.9)           (10.8)
                                                    ----

    Cash provided by
     operating activities                          200.4            147.0

    Investing
     activities:
        Capital
         expenditures                              (34.5)           (43.9)
        Acquisitions, net of
         cash acquired                   -         (30.7)
        Cash received from
         divestitures                                2.5              2.5
        Investment in
         unconsolidated
         affiliates, net                            (3.6)            (2.7)
                                                    ----

    Cash used in
     investing
     activities                                    (35.6)           (74.8)

    Financing
     activities:
        Net short-term
         borrowings
         (repayments)                              (31.6)            (3.4)
        Payments on
         long-term
         debt                                      (15.1)           (16.7)
        Treasury
         stock
         purchases                                 (51.1)           (31.3)
        Dividends paid to
         Equifax shareholders                      (43.1)           (39.2)
       Dividends paid to
        noncontrolling
        interests                                   (1.4)            (3.6)
        Proceeds from
         exercise of stock
         options                                    33.3             12.3
        Excess tax benefits from
         stock-based compensation
         plans                                       0.5              0.6
    Other                                           (0.4)            (2.6)
                                                    ----             ----

    Cash provided by
     (used in) financing
     activities                                   (108.9)           (83.9)
                                                  ------            -----

    Effect of foreign currency
     exchange rates on cash and
     cash equivalents                               (0.5)             1.0
                                                    ----

    Increase (decrease) in cash
     and cash equivalents                           55.4            (10.7)

    Cash and cash
     equivalents,
     beginning of period                           127.7            119.4

    Cash and cash
     equivalents, end of
     period                         $183.1        $108.7
                                    ======        ======

    Common Questions & Answers (Unaudited)
    (Dollars in millions)

               1.  Can you provide a further analysis of operating revenue and operating income by operating segment?
                   Operating revenue and operating income consist of the following components:

                   (in millions)                                                                                       Three Months Ended June 30,
                   ------------                                                                                        ---------------------------

                   Operating revenue:                                                                                     2012                                     2011  $ Change   % Change
                                                                                                                                                                                                     Local
                                                                                                                                                                                                    Currency
                                                                                                                                                                                                   % Change*
                                                                                                                                                                                                    --------
                   Online Consumer Information Solutions                                                                $153.4                                   $127.6     $25.8              20%
                   Mortgage Solutions                                                                                     40.6                                     26.9      13.7              51%
                   Consumer Financial Marketing Services                                                                  36.1                                     39.5      (3.4)             -9%
                                                                                                                          ----                                     ----      ----
                       Total U.S. Consumer Information Solutions                                                         230.1                                    194.0      36.1              19%
                   Latin America                                                                                          46.3                                     59.3     (13.0)            -22%                -18%
                   Europe                                                                                                 41.3                                     38.9       2.4               6%                 11%
                   Canada Consumer                                                                                        31.9                                     32.6      (0.7)             -2%                  2%
                                                                                                                          ----                                     ----      ----
                      Total International                                                                                119.5                                    130.8     (11.3)             -9%                 -4%
                   Verification Services                                                                                  63.3                                     44.4      18.9              42%
                   Employer Services                                                                                      51.9                                     51.9       0.0               0%
                                                                                                                          ----                                     ----       ---
                      Total Workforce Solutions                                                                          115.2                                     96.3      18.9              20%
                   North America Personal Solutions                                                                       50.7                                     45.2       5.5              12%
                   North America Commercial Solutions                                                                     20.3                                     20.8      (0.5)             -2%                 -1%
                                                                                                                          ----
                      Total operating revenue                                                                           $535.8                                   $487.1     $48.7              10%                 11%
                                                                                                                        ======                                   ======     =====

                   (in millions)                                                                                      Six Months Ended June 30,
                   ------------                                                                                       -------------------------

                   Operating revenue:                                                                                     2012                                     2011  $ Change   % Change
                                                                                                                                                                                                     Local
                                                                                                                                                                                                    Currency
                                                                                                                                                                                                   % Change*
                                                                                                                                                                                                    --------
                   Online Consumer Information Solutions                                                                $302.7                                   $247.8     $54.9              22%
                   Mortgage Solutions                                                                                     74.9                                     54.2      20.7              38%
                   Consumer Financial Marketing Services                                                                  70.2                                     73.0      (2.8)             -4%
                                                                                                                          ----                                     ----      ----
                       Total U.S. Consumer Information Solutions                                                         447.8                                    375.0      72.8              19%
                   Latin America                                                                                          92.8                                    119.2     (26.4)            -22%                -19%
                   Europe                                                                                                 84.4                                     76.3       8.1              11%                 15%
                   Canada Consumer                                                                                        63.3                                     62.5       0.8               1%                  4%
                                                                                                                          ----                                     ----       ---
                      Total International                                                                                240.5                                    258.0     (17.5)             -7%                 -3%
                   Verification Services                                                                                 120.1                                     85.8      34.3              40%
                   Employer Services                                                                                     108.8                                    109.9      (1.1)             -1%
                                                                                                                         -----                                    -----      ----
                      Total Workforce Solutions                                                                          228.9                                    195.7      33.2              17%
                   North America Personal Solutions                                                                      100.2                                     89.6      10.6              12%
                   North America Commercial Solutions                                                                     41.1                                     41.4      (0.3)             -1%                  0%
                                                                                                                          ----
                      Total operating revenue                                                                         $1,058.5                                   $959.7     $98.8              10%                 11%
                                                                                                                      ========                                   ======     =====

                   (in millions)                                                                                           Three Months Ended June 30,
                   ------------                                                                                            ---------------------------
                                                                                                                                                       Operating                   Operating
                   Operating income:                                                                                      2012                           Margin              2011    Margin                  $ Change  % Change
                                                                                                                          ----                           ------              ----    ------                  --------  --------
                   U.S. Consumer Information Solutions                                                                   $88.1                                     38.3%    $70.8            36.5%              $17.3            24%
                   International                                                                                          35.0                                     29.2%     34.2            26.1%                0.8             2%
                   Workforce Solutions                                                                                    26.9                                     23.4%     20.8            21.6%                6.1            30%
                   North America Personal Solutions                                                                       15.1                                     29.8%     12.5            27.7%                2.6            21%
                   North America Commercial Solutions                                                                      2.8                                     14.0%      4.4            20.9%               (1.6)          -35%
                   General Corporate Expense                                                                             (35.2)                                      nm     (28.1)             nm                (7.1)          -25%
                                                                                                                         -----
                      Total operating income                                                                            $132.7                                     24.8%   $114.6            23.5%              $18.1            16%
                                                                                                                        ======                                             ======                               =====

                   (in millions)                                                                                            Six Months Ended June 30,
                   ------------                                                                                             -------------------------
                                                                                                                                                       Operating                   Operating
                   Operating income:                                                                                      2012                           Margin              2011    Margin                  $ Change  % Change
                                                                                                                          ----                           ------              ----    ------                  --------  --------
                   U.S. Consumer Information Solutions                                                                  $167.5                                     37.4%   $132.5            35.3%              $35.0            26%
                   International                                                                                          73.5                                     30.5%     64.0            24.8%                9.5            15%
                   Workforce Solutions                                                                                    53.1                                     23.2%     42.5            21.7%               10.6            25%
                   North America Personal Solutions                                                                       29.1                                     29.1%     25.2            28.2%                3.9            16%
                   North America Commercial Solutions                                                                      6.3                                     15.4%      9.5            22.9%               (3.2)          -33%
                   General Corporate Expense                                                                             (67.8)                                      nm     (50.0)             nm               (17.8)          -36%
                                                                                                                         -----
                      Total operating income                                                                            $261.7                                     24.7%   $223.7            23.3%              $38.0            17%
                                                                                                                        ======                                             ======                               =====

                   nm - not meaningful
                   * Reflects percentage change in revenue conforming 2012 results using 2011 exchange rates.

    Common Questions & Answers (Unaudited)
    (Dollars in millions)

               2.  What drove the fluctuation in the effective tax rate?
                   Our effective tax rate was 35.0% for the three months ended June 30, 2012 down from 59.4% for the same period in 2011 due primarily
                   to the impact of recording $17.5 million of tax expense associated with the Brazilian Transaction that occurred in 2011.  The impact of the
                    Brazilian Transaction increased our effective tax rate 23.2% for the quarter in 2011.  The effective income tax rate on the Brazilian
                    Transaction
                   is higher than the statutory rate primarily due to the recognition of tax impacts related to foreign currency changes for which we had not
                   previously recorded tax expense because we have historically been permanently invested in Brazil with respect to foreign currency
                   fluctuations. The remainder of the rate decrease is due to the impact of lower foreign income taxes and the reversal of certain contingent
                   tax liabilities.

               3.  Can you provide depreciation and amortization by segment?
                   Depreciation and amortization are as follows:

                                                                                                                                   Three Months Ended              Six Months Ended
                                                                                                                                        June 30,                       June 30,
                                                                                                                                        --------                       --------
                                                                                                                                                             2012                    2011          2012       2011
                                                                                                                                                             ----                    ----          ----       ----
                   U.S. Consumer Information Solutions                                                                                                      $10.9                   $11.0         $21.9      $22.2
                   International                                                                                                                              6.1                     7.2          12.4       14.2
                   Workforce Solutions                                                                                                                       17.0                    16.1          34.0       33.6
                   North America Personal Solutions                                                                                                           1.9                     1.5           3.6        2.9
                   North America Commercial Solutions                                                                                                         1.2                     1.2           2.4        2.7
                   General Corporate Expense                                                                                                                  4.1                     4.1           8.3        8.2
                     Total depreciation and amortization                                                                                                    $41.2                   $41.1         $82.6      $83.8
                                                                                                                                                            =====                   =====         =====      =====

               4.  What was the currency impact on the foreign operations?
                   The U.S. dollar impact on operating revenue and operating income is as follows:

                                                                                                                                 Three Months Ended June 30, 2012
                                                                                                                                 --------------------------------
                                                                                                                                   Operating Revenue               Operating Income
                                                                                                                                   -----------------               ----------------
                                                                                                                                         Amount                           %                Amount         %
                                                                                                                                         ------                          ---               ------        ---
                   Canada Consumer                                                                                                                          $(1.4)                     -4%        $(0.6)        -4%
                   Canada Commercial                                                                                                                         (0.3)                     -1%         (0.1)        -2%
                   Europe                                                                                                                                    (2.0)                     -5%         (0.5)        -7%
                   Latin America                                                                                                                             (2.3)                     -4%         (1.0)        -5%

                                                                                                                                  Six Months Ended June 30, 2012
                                                                                                                                  ------------------------------
                                                                                                                                   Operating Revenue               Operating Income
                                                                                                                                   -----------------               ----------------
                                                                                                                                         Amount                           %                Amount         %
                                                                                                                                         ------                          ---               ------        ---
                   Canada Consumer                                                                                                                          $(1.9)                     -3%        $(0.8)        -3%
                   Canada Commercial                                                                                                                         (0.4)                     -1%         (0.1)        -1%
                   Europe                                                                                                                                    (3.1)                     -4%         (0.7)        -5%
                   Latin America                                                                                                                             (3.6)                     -3%         (1.8)        -6%

    Reconciliations of Non-GAAP Financial Measures to the Comparable GAAP Financial Measures (Unaudited)
    (Dollars in millions, except per share amounts)

    A.           Reconciliation of net income attributable to Equifax to diluted EPS attributable to Equifax, adjusted for the loss on the deconsolidation
                 of Brazilian business and acquisition-related amortization expense:

                                                                                                                                                                                    Three Months Ended
                                                                                                                                                                                         June 30,
                                                                                                                                                                                         --------
                                                                                                                                                                                                        2012          2011          $ Change        % Change
                                                                                                                                                                                                        ----          ----          --------        --------

                 Net income attributable to Equifax                                                                                                                    $76.4                           $34.5         $41.9               122%

                                                                                      Loss on the deconsolidation of Brazilian business (1)                                                                -          27.8             (27.8)                nm
                                                                                                                                                                                                         ---          ----             -----

                 Net income attributable to Equifax, adjusted for the loss
                                                                                      on the deconsolidation of Brazilian business                               76.4          62.3                            14.1             23%

                                                                                      Acquisition-related amortization expense, net of tax                       14.3          14.2                             0.1              2%
                                                                                                                                                                 ----          ----                             ---

                 Net income attributable to Equifax, adjusted for the
                                                                                      loss on the deconsolidation of Brazilian business and
                                                                                      acquisition-related amortization expense                                                $90.7                           $76.5          $14.2              19%
                                                                                                                                                                              =====                           =====          =====

                 Diluted EPS attributable to Equifax, adjusted for the
                                                                                      loss on the deconsolidation of Brazilian business and
                                                                                      acquisition-related amortization expense                                                $0.74                           $0.61          $0.13              21%
                                                                                                                                                                              =====                           =====          =====

                 Weighted-average shares used in computing diluted EPS                                                                                     122.8       124.6

                                                                                                                                                                                     Six Months Ended
                                                                                                                                                                                         June 30,
                                                                                                                                                                                         --------
                                                                                                                                                                                                        2012          2011          $ Change        % Change
                                                                                                                                                                                                        ----          ----          --------        --------

                 Net income attributable to Equifax                                                                                                                   $147.9                           $91.8         $56.1                61%

                                                                                      Loss on the deconsolidation of Brazilian business (1)                                     -                            27.8          (27.8)             nm
                                                                                                                                                                              ---                            ----          -----

                 Net income attributable to Equifax, adjusted for the loss
                                                                                      on the deconsolidation of Brazilian business                                           $147.9                          $119.6          $28.3              24%

                                                                                      Acquisition-related amortization expense, net of tax                       28.6          29.0                            (0.4)            -1%
                                                                                                                                                                 ----          ----                            ----

                 Net income attributable to Equifax, adjusted for the
                                                                                      loss on the deconsolidation of Brazilian business and
                                                                                      acquisition-related amortization expense                                               $176.5                          $148.6          $27.9              19%
                                                                                                                                                                             ======                          ======          =====

                 Diluted EPS attributable to Equifax, adjusted for the
                                                                                      loss on the deconsolidation of Brazilian business and
                                                                                      acquisition-related amortization expense                                                $1.44                           $1.19          $0.25              21%
                                                                                                                                                                              =====                           =====          =====

                 Weighted-average shares used in computing diluted EPS                                                                                     122.6       124.6

                 nm - not meaningful
                  (1) Loss on the deconsolidation of Brazilian business includes the loss recognized on the merger, net of tax.  See the Notes to
                  this reconciliation for additional detail.


    Reconciliations of Non-GAAP Financial Measures to the Comparable GAAP Financial Measures (Unaudited)
    (Dollars in millions, except per share amounts)

    B.                                               Reconciliation of operating revenue to adjusted operating revenue for Equifax Inc., International and Latin America,
                                                     excluding the results of our Brazilian operations:

                                                                                           Equifax Inc.
                                                                                           ------------
                                                                                                                                          Three Months Ended June 30,                                           Local Currency
                                                                                                                                          ---------------------------
                                                                                                                                                                         2012                             2011                 $ Change  % Change      % Change*
                                                                                                                                                                         ----                             ----                 --------  --------      --------
                                                                  Operating revenue                                                                                    $535.8                           $487.1                    $48.7            10%            11%

                                                                     Brazil revenue (1)                                                                                     -                            (16.1)                    16.1
                                                                                                                                                                          ---                            -----                     ----

                                                                  Adjusted operating revenue                                                                           $535.8                           $471.0                    $64.8            14%            15%
                                                                                                                                                                       ======                           ======                    =====

                                                                                                                                           Six Months Ended June 30,                                            Local Currency
                                                                                                                                           -------------------------
                                                                                                                                                                         2012                             2011                 $ Change  % Change      % Change*
                                                                                                                                                                         ----                             ----                 --------  --------      --------
                                                                  Operating revenue                                                                                  $1,058.5                           $959.7                    $98.8            10%            11%

                                                                     Brazil revenue (1)                                                                                     -                            (35.4)                    35.4
                                                                                                                                                                          ---                            -----                     ----

                                                                  Adjusted operating revenue                                                                         $1,058.5                           $924.3                   $134.2            15%            15%
                                                                                                                                                                     ========                           ======                   ======

                                                                                           International
                                                                                           -------------
                                                                                                                                          Three Months Ended June 30,                                           Local Currency
                                                                                                                                          ---------------------------
                                                                                                                                                                         2012                             2011                 $ Change  % Change      % Change*
                                                                                                                                                                         ----                             ----                 --------  --------      --------
                                                                  Operating revenue                                                                                    $119.5                           $130.8                   $(11.3)           -9%            -4%

                                                                     Brazil revenue (1)                                                                                     -                            (16.1)                    16.1
                                                                                                                                                                          ---                            -----                     ----

                                                                  Adjusted operating revenue                                                                           $119.5                           $114.7                     $4.8             4%             9%
                                                                                                                                                                       ======                           ======                     ====

                                                                                                                                           Six Months Ended June 30,                                            Local Currency
                                                                                                                                           -------------------------
                                                                                                                                                                         2012                             2011                 $ Change  % Change      % Change*
                                                                                                                                                                         ----                             ----                 --------  --------      --------
                                                                  Operating revenue                                                                                    $240.5                           $258.0                   $(17.5)           -7%            -3%

                                                                     Brazil revenue (1)                                                                                     -                            (35.4)                    35.4
                                                                                                                                                                          ---                            -----                     ----

                                                                  Adjusted operating revenue                                                                           $240.5                           $222.6                    $17.9             8%            12%
                                                                                                                                                                       ======                           ======                    =====

                                                                                           Latin America
                                                                                           -------------
                                                                                                                                          Three Months Ended June 30,                                           Local Currency
                                                                                                                                          ---------------------------
                                                                                                                                                                         2012                             2011                 $ Change  % Change      % Change*
                                                                                                                                                                         ----                             ----                 --------  --------      --------
                                                                  Operating revenue                                                                                     $46.3                            $59.3                   $(13.0)          -22%           -18%

                                                                     Brazil revenue (1)                                                                                     -                            (16.1)                    16.1
                                                                                                                                                                          ---                            -----                     ----

                                                                  Adjusted operating revenue                                                                            $46.3                            $43.2                     $3.1             7%            12%
                                                                                                                                                                        =====                            =====                     ====

                                                                                                                                           Six Months Ended June 30,                                            Local Currency
                                                                                                                                           -------------------------
                                                                                                                                                                         2012                             2011                 $ Change  % Change      % Change*
                                                                                                                                                                         ----                             ----                 --------  --------      --------
                                                                  Operating revenue                                                                                     $92.8                           $119.2                   $(26.4)          -22%           -19%

                                                                     Brazil revenue (1)                                                                                     -                            (35.4)                    35.4
                                                                                                                                                                          ---                            -----                     ----

                                                                  Adjusted operating revenue                                                                            $92.8                            $83.8                     $9.0            11%            15%
                                                                                                                                                                        =====                            =====                     ====

                                                                  * Reflects percentage change in revenue conforming 2012 results using 2011 exchange rates.
                                                                  (1) Revenue generated from our Brazilian operations that were merged with Boa Vista Servicos, S.A. in the second quarter of 2011. See
                                                                        the Notes to this reconciliation for additional detail.

Notes to Reconciliations of Non-GAAP Financial Measures to the Comparable GAAP Financial Measures

Loss on the deconsolidation of Brazilian business – During the second quarter of 2011, the Company completed the merger of our Brazilian business with and into Boa Vista Servicos, S.A. (“BVS”) in exchange for a 15 percent equity interest in BVS. The Company recorded a $27.8 million loss on the transaction. Management believes excluding the loss from certain financial results provides meaningful supplemental information regarding our financial results for the three and six months ended June 30, 2011, as compared to 2012, since a loss of such an amount is not comparable among the periods. This is consistent with how our management reviews and assesses Equifax’s historical performance and is useful when planning, forecasting and analyzing future periods.

Diluted EPS and net income from attributable to Equifax, adjusted for the loss on the deconsolidation of Brazilian business and acquisition-related amortization expense – We calculate these financial measures by excluding the loss on the deconsolidation of our Brazilian business and acquisition-related amortization expense from the determination of net income attributable to Equifax in the calculation of diluted EPS. These financial measures are not prepared in conformity with GAAP. Management believes that these measures are useful because management excludes acquisition-related amortization expense and other items that are not comparable when measuring operating profitability, evaluating performance trends, and setting performance objectives, and it allows investors to evaluate our performance for different periods on a more comparable basis by excluding items that relate to acquisition-related intangible assets and items that impact comparability.

Adjusted operating revenue, excluding the results of our Brazilian operations – Management believes excluding the Brazilian revenue from the calculation of operating revenue, on a non-GAAP basis, is useful because it allows investors to evaluate the Company’s growth on a basis consistent with the current composition of our business.

SOURCE Equifax


Source: PR Newswire