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Equifax Market Pulse Index Remains Steady But Highlights Growing Financial Divergence Among Consumers

EFX
  • Equifax released the fourth quarter 2025 Market Pulse Index on April 7, 2026, showing a stable overall score of 61.6.
  • The index reveals a K-shaped economic divide with three distinct consumer groups: 10% "Thrivers" with high growth, 20% "Strivers" facing debt & limited savings, & a 70% "Pivoting Middle" at a stability threshold.
  • The high-resilience group (Index 80+) grew from 7.96% to 10.47% of the population between Q2 2023 & Q4 2025.
  • The middle tier (Index 50-79) decreased by 6.2% since Q2 2023.
  • The high-risk segment (Index below 50) increased from 19.07% to 21.08%, an 11% rise since Q2 2023.
  • Every age group saw a slight decline in their average index score in Q4 2025 due to affordability concerns & increased credit use for basic needs.
  • Gen Z consumers with an Index of 80+ increased by 74% between Q2 2023 & Q4 2025.
  • Gen X consumers with an Index of 49 or under grew by 11%, the largest generational increase.
  • The index synthesizes anonymized credit, debt, income, asset data, & VantageScore 4.0 insights using AI/ML methods.
  • Equifax operates from Atlanta with nearly 15,000 employees across 24 countries.