A Dark Vector Cognition product

Item 1A. RISK FACTORS

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Item 1A. RISK FACTORS

There have been no material changes with respect to the risk factors disclosed in our 2025 Form 10-K.

ITEM 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

The following table contains information with respect to purchases made by or on behalf of Equifax or any “affiliated purchaser” (as defined in Rule 10b-18(a) (3) under the Securities Exchange Act of 1934), of our common stock during the quarter ended March 31, 2026:

Total Number of SharesAverage Price PaidTotal Number of Shares Purchased as Part of Publicly-AnnouncedMaximum Number (or Approximate Dollar Value) of Shares that May Yet Be Purchased Under the Plans or
PeriodPurchased (1)Per Share (2)Plans or ProgramsPrograms (3)
January 1 - January 31, 2026144,826$213.65144,311$2,041,770,525
February 1 - February 28, 2026608,045$194.70536,356$1,937,342,012
March 1 - March 31, 2026663,957$187.87663,948$1,812,606,101
Total1,416,8281,344,615$1,812,606,101

(1)On April 21, 2025, the Board of Directors terminated the existing share repurchase authorization and approved an authorization to repurchase up to $3 billion of shares of common stock (the "Repurchase Program"). The total number of shares purchased includes, if applicable: (a) shares purchased pursuant to our publicly-announced share repurchase program. The total number of shares purchased for the quarter includes, if applicable: (a) shares purchased pursuant to our publicly-announced share repurchase program (144,311 shares for the month of January 2026, 536,356 shares for the month of February 2026, and 663,948 shares for the month of March 2026); and (b) shares surrendered, or deemed surrendered, in satisfaction of the exercise price and/or to satisfy tax withholding obligations in connection with the exercise of employee stock options and vesting of restricted stock (515 shares for the month of January 2026, 71,689 shares for the month of February 2026, and 9 shares for the month of March 2026).

(2)Average price paid per share for shares purchased as part of the Repurchase Program (excludes brokerage commissions and excise taxes).

(3)We purchased $260.0 million of shares of common stock during the three months ended March 31, 2026. At March 31, 2026, approximately $1.8 billion was available for future purchases of common stock under the Repurchase Program. The program does not have a stated expiration date.

Dividend and Share Repurchase Restrictions

Our Revolver restricts our ability to pay cash dividends on our capital stock or repurchase capital stock if a default or event of default exists or would result if these payments were to occur, according to the terms of the applicable credit agreements.

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