(EFX) Equifax - Ratings and Ratios
Credit, Analytics, Workforce, Identity, International
Dividends
| Dividend Yield | 0.86% |
| Yield on Cost 5y | 1.04% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 90.9% |
| Payout Ratio | 24.6% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 32.6% |
| Value at Risk 5%th | 48.3% |
| Relative Tail Risk | -9.96% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.37 |
| Alpha | -31.67 |
| CAGR/Max DD | 0.14 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.488 |
| Beta | 1.024 |
| Beta Downside | 1.195 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.95% |
| Mean DD | 12.67% |
| Median DD | 13.14% |
Description: EFX Equifax October 14, 2025
Equifax Inc. (NYSE:EFX) is a data, analytics, and technology firm organized into three primary business segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The company’s core competency is aggregating and delivering credit-related and other public-record information to both commercial and consumer clients.
The Workforce Solutions segment supplies verification services-income, employment, education, criminal history, healthcare licensure, and sanctions-for U.S. individuals, while also offering employers automated payroll and human-resource management tools that span the full employment lifecycle.
The U.S. Information Solutions segment delivers a suite of consumer and commercial products, including credit reports, credit scoring, portfolio analytics, fraud detection, identity verification, mortgage services, financial marketing, and credit-monitoring solutions. This segment also provides consulting and identity-management services to financial institutions.
The International segment extends similar credit-information and analytics offerings to markets in the Americas, Europe, Asia-Pacific, and the Middle East, and adds debt-collection, recovery-management, and HR process-automation services for businesses and governments. Equifax operates in more than 20 countries, with a footprint that includes the United States, Canada, the United Kingdom, Brazil, India, and several Latin-American nations.
Recent performance metrics (2023) show total revenue of approximately $5.0 billion, a 5 % year-over-year increase driven largely by growth in the USIS segment (+7 % YoY) and modest expansion in International (+3 % YoY). The credit-reporting industry’s size is estimated at $30 billion globally, with a projected CAGR of 4 % through 2028, supported by rising consumer debt levels and tighter regulatory scrutiny on identity-theft mitigation. A key macro driver is the Federal Reserve’s interest-rate policy: higher rates tend to increase credit-file activity (new loans, credit inquiries) and thus boost demand for Equifax’s data services, but also raise default risk, which can shift client focus toward fraud-prevention tools.
For a deeper, data-driven assessment of Equifax’s valuation assumptions and scenario analyses, you might explore the analytical dashboards on ValueRay, where the platform’s granular driver-based models can help you quantify the impact of interest-rate shifts and regulatory changes on the company’s earnings outlook.
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income (658.6m TTM) > 0 and > 6% of Revenue (6% = 356.6m TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA 2.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -8.76% (prev -3.96%; Δ -4.80pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.12 (>3.0%) and CFO 1.47b > Net Income 658.6m (YES >=105%, WARN >=100%) |
| Net Debt (4.62b) to EBITDA (1.81b) ratio: 2.55 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.74 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (124.1m) change vs 12m ago -0.88% (target <= -2.0% for YES) |
| Gross Margin 56.26% (prev 55.52%; Δ 0.74pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 49.17% (prev 45.27%; Δ 3.90pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 5.15 (EBITDA TTM 1.81b / Interest Expense TTM 213.9m) >= 6 (WARN >= 3) |
Altman Z'' 3.00
| (A) -0.04 = (Total Current Assets 1.46b - Total Current Liabilities 1.98b) / Total Assets 11.83b |
| (B) 0.54 = Retained Earnings (Balance) 6.33b / Total Assets 11.83b |
| (C) 0.09 = EBIT TTM 1.10b / Avg Total Assets 12.09b |
| (D) 0.89 = Book Value of Equity 6.02b / Total Liabilities 6.76b |
| Total Rating: 3.00 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 67.04
| 1. Piotroski 7.50pt |
| 2. FCF Yield 3.26% |
| 3. FCF Margin 16.82% |
| 4. Debt/Equity 0.97 |
| 5. Debt/Ebitda 2.55 |
| 6. ROIC - WACC (= -0.02)% |
| 7. RoE 13.29% |
| 8. Rev. Trend 84.93% |
| 9. EPS Trend 5.18% |
What is the price of EFX shares?
Over the past week, the price has changed by +4.41%, over one month by +3.98%, over three months by -15.03% and over the past year by -15.36%.
Is EFX a buy, sell or hold?
- Strong Buy: 11
- Buy: 5
- Hold: 7
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the EFX price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 267.8 | 21.4% |
| Analysts Target Price | 267.8 | 21.4% |
| ValueRay Target Price | 205.2 | -7% |
EFX Fundamental Data Overview December 09, 2025
P/E Trailing = 39.983
P/E Forward = 25.7732
P/S = 4.3843
P/B = 5.242
P/EG = 1.0516
Beta = 1.586
Revenue TTM = 5.94b USD
EBIT TTM = 1.10b USD
EBITDA TTM = 1.81b USD
Long Term Debt = 4.05b USD (from longTermDebt, last quarter)
Short Term Debt = 759.3m USD (from shortTermDebt, last quarter)
Debt = 4.81b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.62b USD (from netDebt column, last quarter)
Enterprise Value = 30.68b USD (26.06b + Debt 4.81b - CCE 189.0m)
Interest Coverage Ratio = 5.15 (Ebit TTM 1.10b / Interest Expense TTM 213.9m)
FCF Yield = 3.26% (FCF TTM 999.4m / Enterprise Value 30.68b)
FCF Margin = 16.82% (FCF TTM 999.4m / Revenue TTM 5.94b)
Net Margin = 11.08% (Net Income TTM 658.6m / Revenue TTM 5.94b)
Gross Margin = 56.26% ((Revenue TTM 5.94b - Cost of Revenue TTM 2.60b) / Revenue TTM)
Gross Margin QoQ = 57.07% (prev 56.76%)
Tobins Q-Ratio = 2.59 (Enterprise Value 30.68b / Total Assets 11.83b)
Interest Expense / Debt = 1.08% (Interest Expense 52.2m / Debt 4.81b)
Taxrate = 24.99% (53.8m / 215.3m)
NOPAT = 826.3m (EBIT 1.10b * (1 - 24.99%))
Current Ratio = 0.74 (Total Current Assets 1.46b / Total Current Liabilities 1.98b)
Debt / Equity = 0.97 (Debt 4.81b / totalStockholderEquity, last quarter 4.94b)
Debt / EBITDA = 2.55 (Net Debt 4.62b / EBITDA 1.81b)
Debt / FCF = 4.63 (Net Debt 4.62b / FCF TTM 999.4m)
Total Stockholder Equity = 4.96b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.57% (Net Income 658.6m / Total Assets 11.83b)
RoE = 13.29% (Net Income TTM 658.6m / Total Stockholder Equity 4.96b)
RoCE = 12.23% (EBIT 1.10b / Capital Employed (Equity 4.96b + L.T.Debt 4.05b))
RoIC = 8.37% (NOPAT 826.3m / Invested Capital 9.88b)
WACC = 8.39% (E(26.06b)/V(30.87b) * Re(9.79%) + D(4.81b)/V(30.87b) * Rd(1.08%) * (1-Tc(0.25)))
Discount Rate = 9.79% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.12%
[DCF Debug] Terminal Value 75.98% ; FCFE base≈913.0m ; Y1≈1.13b ; Y5≈1.92b
Fair Price DCF = 196.5 (DCF Value 24.05b / Shares Outstanding 122.4m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 5.18 | EPS CAGR: 2.79% | SUE: 2.03 | # QB: 3
Revenue Correlation: 84.93 | Revenue CAGR: 5.74% | SUE: 1.39 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.80 | Chg30d=-0.014 | Revisions Net=-5 | Analysts=19
EPS next Year (2026-12-31): EPS=8.83 | Chg30d=-0.072 | Revisions Net=-13 | Growth EPS=+16.1% | Growth Revenue=+8.2%
Additional Sources for EFX Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle