(EFX) Equifax - Overview

Sector: Industrials | Industry: Consulting Services | Exchange: NYSE (USA) | Market Cap: 22.003m USD | Total Return: -17.5% in 12m

Data, Analytics, Technology, Information, Services
Total Rating 43
Safety 85
Buy Signal -0.90
Consulting Services
Industry Rotation: -22.4
Market Cap: 22.0B
Avg Turnover: 292M USD
ATR: 3.59%
Peers RS (IBD): 35.2
Risk 5d forecast
Volatility33.6%
Rel. Tail Risk-7.45%
Reward TTM
Sharpe Ratio-0.54
Alpha-47.24
Character TTM
Beta0.889
Beta Downside0.030
Drawdowns 3y
Max DD44.06%
CAGR/Max DD-0.05
EPS (Earnings per Share) EPS (Earnings per Share) of EFX over the last years for every Quarter: "2021-03": 1.97, "2021-06": 1.98, "2021-09": 1.85, "2021-12": 1.84, "2022-03": 2.22, "2022-06": 2.09, "2022-09": 1.73, "2022-12": 1.52, "2023-03": 1.43, "2023-06": 1.71, "2023-09": 1.76, "2023-12": 1.81, "2024-03": 1.5, "2024-06": 1.82, "2024-09": 1.85, "2024-12": 2.12, "2025-03": 1.53, "2025-06": 2, "2025-09": 2.04, "2025-12": 2.09, "2026-03": 0,
EPS CAGR: -49.23%
EPS Trend: -28.2%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of EFX over the last years for every Quarter: 2021-03: 1213, 2021-06: 1234.8, 2021-09: 1222.9, 2021-12: 1253.2, 2022-03: 1363.2, 2022-06: 1316.7, 2022-09: 1244.3, 2022-12: 1197.9, 2023-03: 1302, 2023-06: 1317.6, 2023-09: 1319.1, 2023-12: 1326.5, 2024-03: 1389.4, 2024-06: 1430.5, 2024-09: 1441.8, 2024-12: 1419.4, 2025-03: 1442, 2025-06: 1537, 2025-09: 1544.9, 2025-12: 1550.6, 2026-03: null,
Rev. CAGR: 3.49%
Rev. Trend: 86.3%
Last SUE: 1.43
Qual. Beats: 4

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: EFX Equifax

Equifax Inc. (NYSE: EFX) is a global data, analytics, and technology firm operating through three core segments: Workforce Solutions, which verifies income, employment, education, and other background data for U.S. employers; U.S. Information Solutions, delivering credit reporting, scoring, fraud detection, identity verification, and related consulting services; and International, offering comparable consumer- and commercial-information products across more than 20 countries.

In its most recent fiscal year (2023), Equifax generated approximately $4.0 billion in revenue with a net income of $0.6 billion, translating to an operating margin near 15%. The credit-reporting industry is expanding at roughly 5% year-over-year, driven by higher consumer borrowing and tighter regulatory scrutiny on data privacy, while demand for identity-verification services surged 12% in Q4 2024 amid rising fraud incidents. Additionally, the U.S. labor market’s historically low unemployment rate (≈3.4% in early 2024) supports growth in the Workforce Solutions segment.

For a deeper dive into Equifax’s valuation metrics, you may want to explore the analysis on ValueRay.

Headlines to Watch Out For
  • Mortgage market fluctuations impact credit inquiry volumes
  • Data breach incidents increase compliance costs and reputational damage
  • Regulatory scrutiny over data privacy intensifies
  • Economic downturns reduce consumer and business credit demand
  • Acquisitions expand data assets and analytical capabilities
Piotroski VR‑10 (Strict) 8.5
Net Income: 660.3m TTM > 0 and > 6% of Revenue
FCF/TA: 0.10 > 0.02 and ΔFCF/TA 2.65 > 1.0
NWC/Revenue: -15.20% < 20% (prev -7.94%; Δ -7.26% < -1%)
CFO/TA 0.14 > 3% & CFO 1.62b > Net Income 660.3m
Net Debt (4.91b) to EBITDA (1.83b): 2.69 < 3
Current Ratio: 0.60 > 1.5 & < 3
Outstanding Shares: last quarter (122.3m) vs 12m ago -2.24% < -2%
Gross Margin: 44.60% > 18% (prev 0.56%; Δ 4.40k% > 0.5%)
Asset Turnover: 51.43% > 50% (prev 48.31%; Δ 3.12% > 0%)
Interest Coverage Ratio: 5.22 > 6 (EBITDA TTM 1.83b / Interest Expense TTM 212.3m)
Altman Z'' 2.80
A: -0.08 (Total Current Assets 1.41b - Total Current Liabilities 2.34b) / Total Assets 11.86b
B: 0.54 (Retained Earnings 6.45b / Total Assets 11.86b)
C: 0.09 (EBIT TTM 1.11b / Avg Total Assets 11.81b)
D: 0.87 (Book Value of Equity 6.16b / Total Liabilities 7.13b)
Altman-Z'' Score: 2.80 = A
Beneish M -2.97
DSRI: 0.99 (Receivables 1.01b/957.6m, Revenue 6.07b/5.68b)
GMI: 1.25 (GM 44.60% / 55.66%)
AQI: 0.79 (AQ_t 0.57 / AQ_t-1 0.72)
SGI: 1.07 (Revenue 6.07b / 5.68b)
TATA: -0.08 (NI 660.3m - CFO 1.62b) / TA 11.86b)
Beneish M-Score: -2.97 (Cap -4..+1) = A
What is the price of EFX shares? As of April 11, 2026, the stock is trading at USD 177.97 with a total of 1,952,205 shares traded.
Over the past week, the price has changed by -2.25%, over one month by -9.17%, over three months by -19.49% and over the past year by -17.52%.
Is EFX a buy, sell or hold? Equifax has received a consensus analysts rating of 4.17. Therefore, it is recommended to buy EFX.
  • StrongBuy: 11
  • Buy: 5
  • Hold: 7
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the EFX price?
Analysts Target Price 236.6 32.9%
Equifax (EFX) - Fundamental Data Overview as of 07 April 2026
P/E Trailing = 34.2195
P/E Forward = 21.4133
P/S = 3.6221
P/B = 4.7787
P/EG = 0.8339
Revenue TTM = 6.07b USD
EBIT TTM = 1.11b USD
EBITDA TTM = 1.83b USD
Long Term Debt = 4.06b USD (from longTermDebt, last quarter)
Short Term Debt = 1.04b USD (from shortTermDebt, last quarter)
Debt = 5.09b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.91b USD (from netDebt column, last quarter)
Enterprise Value = 26.92b USD (22.00b + Debt 5.09b - CCE 180.8m)
Interest Coverage Ratio = 5.22 (Ebit TTM 1.11b / Interest Expense TTM 212.3m)
EV/FCF = 23.73x (Enterprise Value 26.92b / FCF TTM 1.13b)
FCF Yield = 4.21% (FCF TTM 1.13b / Enterprise Value 26.92b)
FCF Margin = 18.67% (FCF TTM 1.13b / Revenue TTM 6.07b)
Net Margin = 10.87% (Net Income TTM 660.3m / Revenue TTM 6.07b)
Gross Margin = 44.60% ((Revenue TTM 6.07b - Cost of Revenue TTM 3.37b) / Revenue TTM)
Gross Margin QoQ = 10.96% (prev 57.07%)
Tobins Q-Ratio = 2.27 (Enterprise Value 26.92b / Total Assets 11.86b)
Interest Expense / Debt = 1.06% (Interest Expense 54.1m / Debt 5.09b)
Taxrate = 24.26% (56.5m / 232.9m)
NOPAT = 838.6m (EBIT 1.11b * (1 - 24.26%))
Current Ratio = 0.60 (Total Current Assets 1.41b / Total Current Liabilities 2.34b)
Debt / Equity = 1.11 (Debt 5.09b / totalStockholderEquity, last quarter 4.60b)
Debt / EBITDA = 2.69 (Net Debt 4.91b / EBITDA 1.83b)
Debt / FCF = 4.33 (Net Debt 4.91b / FCF TTM 1.13b)
Total Stockholder Equity = 4.91b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.59% (Net Income 660.3m / Total Assets 11.86b)
RoE = 13.46% (Net Income TTM 660.3m / Total Stockholder Equity 4.91b)
RoCE = 12.35% (EBIT 1.11b / Capital Employed (Equity 4.91b + L.T.Debt 4.06b))
RoIC = 8.51% (NOPAT 838.6m / Invested Capital 9.85b)
WACC = 7.55% (E(22.00b)/V(27.10b) * Re(9.11%) + D(5.09b)/V(27.10b) * Rd(1.06%) * (1-Tc(0.24)))
Discount Rate = 9.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.85%
[DCF] Terminal Value 83.08% ; FCFF base≈1.01b ; Y1≈1.24b ; Y5≈2.12b
[DCF] Fair Price = 291.7 (EV 40.10b - Net Debt 4.91b = Equity 35.19b / Shares 120.6m; r=7.55% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -28.24 | EPS CAGR: -49.23% | SUE: -4.0 | # QB: 0
Revenue Correlation: 86.25 | Revenue CAGR: 3.49% | SUE: 1.43 | # QB: 4
EPS next Quarter (2026-06-30): EPS=2.26 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=18
EPS current Year (2026-12-31): EPS=8.65 | Chg7d=+0.000 | Chg30d=+0.006 | Revisions Net=-1 | Growth EPS=+13.1% | Growth Revenue=+11.4%
EPS next Year (2027-12-31): EPS=10.35 | Chg7d=+0.000 | Chg30d=-0.006 | Revisions Net=-2 | Growth EPS=+19.7% | Growth Revenue=+9.4%
[Analyst] Revisions Ratio: +0.06 (9 Up / 8 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 6.2% (Discount Rate 9.1% - Earnings Yield 2.9%)
[Growth] Growth Spread = +4.7% (Analyst 10.9% - Implied 6.2%)
External Resources
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