Equifax Inc. (EFX) Barclays 24th Annual Global Financial Services Conference September 14, 2026 2:00 PM EDT
Company Participants
John Gamble – Executive VP, CFO & COO
Mark Begor – CEO & Director
Conference Call Participants
Manav Patnaik – Barclays Bank PLC, Research Division
Presentation
Manav Patnaik
Barclays Bank PLC, Research Division
All right. Good afternoon, everybody. Thank you for being here at day 1 of our 24th Annual Financials Conference. My name is Manav Patnaik. I cover business and information services for Barclays. We’re happy to kick off the afternoon session here with Equifax. We have Mark Begor, CEO; and John Gamble, CFO. So Mark and John, thank you for being here.
John Gamble
Executive VP, CFO & COO
Thanks for having us.
Mark Begor
CEO & Director
Thank you. 2 weeks in a row with you.
Manav Patnaik
Barclays Bank PLC, Research Division
Maybe, Mark — yes, that’s right. It’s always a good time, a lot of information to digest.
Question-and-Answer Session
Manav Patnaik
Barclays Bank PLC, Research Division
Maybe just high level, let’s just start off with the state of the consumer from the data that you’re seeing. I think resiliency was a word you had used last week as well. But there are also concerns with oil that the gas is not cheap. Rates are challenged. So like how do you balance this for the rest of the year?
Mark Begor
CEO & Director
Yes. So we should probably separate what’s happening in the mortgage market related to higher rates. Obviously, with where the 10-year went to touch 5 today, that’s going to push mortgage rates up at 7 or north, and that’s clearly having an impact on mortgage activity, particularly in refis, but also in the purchase side.
Your question is more around the consumer, which I always think about, and