INVESTOR RELATIONS June 2015 Confidential and Proprietary
Forward Looking Statements As usual, we will make statements during the presentation which are forward looking. Our 10Ks, 10Qs and other SEC documents outline the risks associated with these statements and we encourage you to review them. We also incorporate non-GAAP financial measures in this presentation. A reconciliation of those measures to the most directly comparable GAAP measure is available on our website at www.equifax.com in the Investor Center. You can also reach the same information by clicking on the link included for those sections which discuss these non-GAAP measures. GAAP/Non-GAAP Reconciliation Confidential and Proprietary 2 2 June 2015
Our Vision Has Evolved to Address a New Environment To be the global leader in information solutions that creates unparalleled insights to solve customer challenges. Confidential and Proprietary 3 2 June 2015
Sound Business Fundamentals to Drive Long Term Growth Demand for information solutions Supply of information solutions is growing as decision-making is expanding as technology becomes more knowledge facilitates access to more types intensive AND the benefits of more and larger volumes of data for real accurate decisions deliver above time decisions at an increasingly average ROI for the customer lower cost Competition for customers is more intense Different ways to apply or combine existing data Consumers are more selective in era of New sources of data become available greater transparency (transaction data, social data, Markets evolving toward one-to-one demographic data, etc.) interaction across multiple channels Information solutions – positioning Equifax as an insights company – represent a long term, sustainable growth opportunity End market growth through greater share of wallet New data sources broaden applications and increase value of installed solutions Becoming more embedded in clients’ operations Penetrating new customer segments: auto, employers Confidential and Proprietary 4 2 June 2015
Corporate Imperatives Develop Innovate Deliver Serve as a unparalleled for market consistently trusted analytical leadership in strong steward and insights key domains profitable advocate for leveraging and verticals growth and our customers Equifax shareholder and consumers unique data returns Confidential and Proprietary 5 2 June 2015
Our Business Model is Robust and Resilient Data Analytics Technology Customer Solutions + + = Customized High Value Decisioning Broad-based and Value-added Software Integrating Solutions Unique Data Assets Analytical Insights Data and Insights Credit Scores & Models Optimization Banks Income Bankruptcy Waterfalling Fin. Institutions Employment Delinquency Segmentation Mortgage Cos. Wealth Prepayment Workflow Telcos Management Property Event Risk Auto Flexible Rules- Telco/Utility Fraud Risk Insurance based Engines Commercial Fused Scores Government Collections SaaS We have developed critical competencies that will continue to have great leverage and opportunity. Confidential and Proprietary 6 2 June 2015
Data We Are a Leader in Unique Data Assets 2005 Negative Positive Telephone Telephone & Utility and Utility Consumer Exchange Exchange Identification Property Data and Linking Data Consumer Fraud and Worldwide Asset/Wealth Authentication Data Data ~600M consumers >80M businesses 2005 >200M employee records Income and Employment Credit Data ~4.5B trade accounts Data >100M public records 2005 2005 Small Small Business Business 2005 Financial Exchange Commercial Exchange Securities Global Small Demographic Compliance Business Data Data Unique Entity to Linkage Data Equifax Confidential and Proprietary 7 2 June 2015
New Market/Segment Opportunities New/Underpenetrated New/High Growth End Markets Use Segments Insurance Analytic driven insights Government Fraud detection/prevention Federal ID State authentication/management Telco Marketing, segmentation, Domestic and pricing International Mobile commerce Auto Confidential and Proprietary 8 2 June 2015
Growth Through New Product Innovation A well established, structured discipline 3.0% Ideation Elaboration 2.0% Construction Launch 1.0% Dedicated staff Routine senior executive reviews and visible targets 0.0% Year 1 Year 2 Year 3 Drives 50 to 70 new product launches each year Adding 2 to 3% Delivering increasingly high-value decisioning insights points of growth to our customers per year Confidential and Proprietary 9 2 June 2015
Our Business Model Drives Consistent and Sustainable Performance Data Growth Vectors Unique Data New New Product Innovation Analytics Enterprise Markets Growth Initiatives Served Analytics and Decisioning Technology Technology Current Strategic M&A Current New Products Confidential and Proprietary 10 2 June 2015
A Strong Portfolio of Businesses 2014 Business Mix 2014 Vertical Mix 2014 Revenue 2014 Growth/Non- Operating mortgage Market Margin Growth (Constant $) 100% Other 10% 90% International 22% 21.3% Financial 27% Employers 80% 10% Personal Solutions 8% 32.8% 70% Government 4% 60% Workforce 3% / 13%* 32.1% Auto Solutions 50% 6% Telecom 40% 6% Retail 4% 30% Commercial 5% 20% USIS 1% / 5%* 38.8% Mortgage 15% 10% Consumer 14% 0% Note: Restated for the integration of North America Commercial into USCIS & Int’l and the organizational realignment of Personal So lutions *Excluding the mortgage market impact, business units’ core, non -mortgage market growth were consistent with long term growth targets Confidential and Proprietary 11 2 June 2015
USIS Revenue and Growth Drivers Key Growth Drivers 2014 USIS Revenue Mix Government 1% Invest in vertical expertise and Gain deep Other capabilities to drive innovation, Insurance vertical 9% improve our capabilities and go-to- 3% insights market efforts Financial Expand our analytics scope by Invest in Auto 32% combining unique data with our 11% unique data & Insights Engine to support vertical analytics market expansion Retail 4% Extend Decision360 through USIS Optimize distribution, indirect channels and distribution technology connectors Telecom Mortgage 9% Extend our assets into value chain 22% Diversify adjacencies that feed and anchor Consumer our portfolio Equifax’s core business in key verticals 9% Confidential and Proprietary 12 2 June 2015
Workforce Solutions Revenue and Growth Drivers 2014 Workforce Solutions Key Growth Drivers Revenue Mix Other 1% Grow and Grow while enriching the value of our Financial expand TWN data asset 12% Continue to Diversify through accelerated diversify penetration in home equity, auto, Verifications card and government Mortgage 24% Employers Overcome record low initial jobless Grow and 48% claims, through vertical transformation transform and broader account management to Employer leverage increasing compliance and Services workforce requirements Auto 3% Becoming the de-facto ACA compliance Maximize ACA Government and verifications solution for opportunities 12% government and employer clients Confidential and Proprietary 13 2 June 2015
PSOL Revenue and Growth Drivers Key Growth Drivers Drive above-market growth in the core by enhancing the customer journey Customer Journey (through differentiated education and experience) and extending customer life Renaissance and value (through value based operation) Develop new, innovative solutions for our business customers to offer to their Attack Indirect consumer customers through TrustedID capabilities Drive innovation and marketing efficiencies and leverage global capabilities to Grow Global continue growth in Canada and the U.K. and enter new markets such as LATAM Business Change the game by embracing new sources of value and monetization such as Model lead generation using data and content Innovation Confidential and Proprietary 14 2 June 2015
PSOL Transformation FUTURE PAST PRESENT PSOL Transformation Entrance of new “free Customer Journey Renaissance Acquisition focused, score ” models driving (Evolving the core) direct-response driven up incremental cost CPA value-based marketing model of acquisition optimization (CLV) One size fits all Free credit report Pressure on “free trial” customer journeys free credit score, free oriented offers trial-driven marketing Attack Indirect Rapidly growing, Primary Direct Direct and customized indirect Indirect market chilled Indirect, unique offerings market, limited PSOL by regulatory changes presence Grow Global Growth of identity- Traditional identity North America U.K. focused products led products becoming New Markets by LifeLock saturated Business Model Innovation Subscription based model Emerging businesses Strong growth alternate sources of consumer in Canada, U.K. in Canada and U.K. traffic and monetization Confidential and Proprietary 15 2 June 2015
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