Equifax 2011 Annual Report Download - page 70

The accounting policies of the reportable segments are the same as
those described in our summary of significant accounting policies
(see Note 1). We evaluate the performance of these reportable seg-
ments based on their operating revenues, operating income and
operating margins, excluding any unusual or infrequent items, if any.
Inter-segment sales and transfers are not material for all periods
presented. The measurement criteria for segment profit or loss and
segment assets are substantially the same for each reportable seg-
ment. All transactions between segments are accounted for at cost,
and no timing differences occur between segments.
A summary of segment products and services is as follows:
U.S. Consumer Information Solutions. This segment includes
consumer information services (such as credit information and credit
scoring, credit modeling services, locate services, fraud detection and
prevention services, identity verification services and other consulting
services); mortgage loan origination information, appraisal, title and
closing services; consumer financial marketing services; and identity
management.
TALX Workforce Solutions. This segment includes employment,
income and social security number verification services (known as
The Work Number) and employment tax and talent management
services.
International. This segment includes information services products,
which includes consumer and commercial services (such as credit
and financial information, credit scoring and credit modeling services),
credit and other marketing products and services, and products and
services sold directly to consumers.
North America Personal Solutions. This segment includes credit
information, credit monitoring and identity theft protection products
sold directly to consumers via the Internet and in various hard-copy
formats.
North America Commercial Solutions. This segment includes com-
mercial products and services such as business credit and
demographic information, credit scores and portfolio analytics (deci-
sioning tools), which are derived from our databases of business
credit, financial and demographic information.
Segment information for the twelve months ended December 31,
2011, 2010 and 2009 and as of December 31, 2011 and 2010 is as
follows:
Twelve Months Ended
December 31,
(in millions) 2011 2010 2009
Operating revenue:
U.S. Consumer Information Solutions $ 792.6 $ 743.0 $ 712.2
International 492.9 482.8 438.6
TALX Workforce Solutions 404.3 395.6 346.4
North America Personal Solutions 180.7 157.6 149.0
North America Commercial Solutions 89.3 80.5 69.8
Total operating revenue $1,959.8 $1,859.5 $1,716.0
Twelve Months Ended
December 31,
(in millions) 2011 2010 2009
Operating income:
U.S. Consumer Information Solutions $ 287.3 $ 269.8 $ 259.4
International 132.2 119.4 118.9
TALX Workforce Solutions 90.7 92.1 75.4
North America Personal Solutions 54.1 44.6 34.3
North America Commercial Solutions 23.6 19.5 15.1
General Corporate Expense (116.9) (115.4) (121.3)
Total operating income $ 471.0 $ 430.0 $ 381.8
December 31,
(in millions) 2011 2010
Total assets:
U.S. Consumer Information Solutions $1,025.6 $1,022.5
International 682.1 632.2
TALX Workforce Solutions 1,425.8 1,403.4
North America Personal Solutions 22.9 21.2
North America Commercial Solutions 65.3 66.7
General Corporate 286.9 291.5
Total assets $3,508.6 $3,437.5
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS continued
EQUIFAX 2011 ANNUAL REPORT
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