(EFX) Equifax - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US2944291051

Credit Reports, Analytics, Verification Services, Identity Management

Research & Consulting Services
Market Cap in USD: 26,731m

IPO / Inception: 1971-05-11
Return 12m vs S&P 500: -22.6%

EPS (Earnings per Share)

EPS CAGR: 2.79%
EPS Trend: 5.2%

Last SUE: 2.03
Qual. Beats: 3

Revenue

Rev. CAGR: 5.74%
Rev. Trend: 84.9%

Last SUE: 1.39
Qual. Beats: 3

Dividends

Dividend Yield	0.83%
Yield on Cost 5y	1.06%
Yield CAGR 5y	4.91%
Payout Consistency	92.3%
Payout Ratio	24.6%

Risk via 5d forecast
Volatility	33.8%
Value at Risk 5%th	49.3%
Relative Tail Risk	-11.49%

Reward TTM
Sharpe Ratio	-0.16
Alpha	-26.04
CAGR/Max DD	0.07

Character TTM
Hurst Exponent	0.514
Beta	0.996
Beta Downside	1.159

Drawdowns 3y
Max DD	32.95%
Mean DD	13.35%
Median DD	13.46%

Description: EFX Equifax December 17, 2025

Equifax Inc. (NYSE:EFX) is a data, analytics, and technology firm organized into three operating segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. Workforce Solutions delivers income, employment, education, criminal-justice, healthcare licensure, and sanctions verification, plus payroll-automation tools for U.S. employers. USIS provides consumer and commercial credit data, scoring, modeling, fraud detection, identity verification, mortgage services, and credit-monitoring products. The International segment supplies comparable credit and financial information, debt-collection technology, and HR-process outsourcing across more than 20 countries.

In FY 2023 Equifax reported revenue of roughly $4.2 billion, with USIS contributing about 55 % of total sales; its credit-monitoring subscription base grew 12 % year-over-year, reflecting heightened consumer demand for identity-theft protection amid rising cyber-risk awareness. The company’s outlook is tightly linked to macro-economic drivers such as interest-rate cycles (which affect credit-card and mortgage origination volumes) and regulatory trends in data privacy, especially the EU’s GDPR and U.S. state-level privacy statutes.

Analysts should monitor the credit-card delinquency rate (a leading indicator of credit-risk exposure) and the pace of digital-identity adoption, both of which can materially impact Equifax’s fee-based services. For a deeper quantitative dive, you might explore ValueRay’s analyst toolkit.

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

(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) 67.19

1. Piotroski 7.50pt

2. FCF Yield 3.19%

3. FCF Margin 16.82%

4. Debt/Equity 0.97

5. Debt/Ebitda 2.55

6. ROIC - WACC (= 0.12)%

7. RoE 13.29%

8. Rev. Trend 84.93%

9. EPS Trend 5.18%

What is the price of EFX shares?

As of January 11, 2026, the stock is trading at USD 226.96 with a total of 1,253,195 shares traded.
Over the past week, the price has changed by +6.04%, over one month by +8.58%, over three months by -2.47% and over the past year by -6.37%.

Is EFX a buy, sell or hold?

Equifax has received a consensus analysts rating of 4.17. Therefore, it is recommended to buy EFX.

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	266.8	17.5%
Analysts Target Price	266.8	17.5%
ValueRay Target Price	228.9	0.8%

EFX Fundamental Data Overview January 11, 2026

P/E Trailing = 41.017
P/E Forward = 24.5098
P/S = 4.4977
P/B = 5.3776
P/EG = 1.0013
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 = 31.36b USD (26.73b + Debt 4.81b - CCE 189.0m)
Interest Coverage Ratio = 5.15 (Ebit TTM 1.10b / Interest Expense TTM 213.9m)
EV/FCF = 31.37x (Enterprise Value 31.36b / FCF TTM 999.4m)
FCF Yield = 3.19% (FCF TTM 999.4m / Enterprise Value 31.36b)
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 = 2.65 (Enterprise Value 31.36b / 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 = 5.45% (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 = 8.24% (E(26.73b)/V(31.54b) * Re(9.58%) + D(4.81b)/V(31.54b) * Rd(1.08%) * (1-Tc(0.25)))
Discount Rate = 9.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.12%
[DCF Debug] Terminal Value 80.47% ; FCFF base≈913.0m ; Y1≈1.13b ; Y5≈1.92b
Fair Price DCF = 214.7 (EV 30.90b - Net Debt 4.62b = Equity 26.27b / Shares 122.4m; r=8.24% [WACC]; 5y FCF grow 25.0% → 2.90% )
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=1.79 | Chg30d=-0.009 | Revisions Net=-4 | Analysts=18
EPS next Year (2026-12-31): EPS=8.81 | Chg30d=-0.021 | Revisions Net=-2 | Growth EPS=+15.8% | Growth Revenue=+8.5%

Additional Sources for EFX Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle