(EFX) Equifax - Overview
Sector: Industrials | Industry: Consulting Services | Exchange: NYSE (USA) | Market Cap: 20.245m USD | Total Return: -41.9% in 12m
Credit Reports, Identity Verification, Employment Data, Fraud Detection
Total Rating 52
Safety 80
Buy Signal 0.01
Consulting Services
Industry Rotation: -4.4
Industry Rotation: -4.4
Market Cap:
20.2B
Avg Turnover: 269M
Avg Turnover: 269M
Risk 3d forecast
Volatility35.0%
VaR 5th Pctl5.74%
VaR vs Median-0.65%
Reward TTM
Sharpe Ratio-1.48
Rel. Str. IBD6
Rel. Str. Peer Group13.5
Character TTM
Beta0.770
Beta Downside0.836
Hurst Exponent0.485
Drawdowns 3y
Max DD47.95%
CAGR/Max DD-0.17
CAGR/Mean DD-0.51
EPS (Earnings per Share)
EPS CAGR: -3.06%
EPS Trend: 39.7%
EPS Trend: 39.7%
Last SUE: 1.58
Qual. Beats: 1
Qual. Beats: 1
Revenue
Rev. CAGR: 6.18%
Rev. Trend: 94.2%
Rev. Trend: 94.2%
Last SUE: 1.83
Qual. Beats: 5
Qual. Beats: 5
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: EFX Equifax
Equifax Inc. (EFX) is a global data, analytics, and technology firm headquartered in Atlanta, Georgia. The company operates through three primary segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. Its core business involves the collection and processing of consumer and commercial credit data, employment verification, and identity management services across 21 countries.
As a member of the Research & Consulting Services sub-industry, Equifax functions within an oligopolistic credit reporting market. The company’s business model relies on high-margin data licensing and subscription services, where proprietary databases create significant barriers to entry for new competitors. Beyond traditional credit scoring, the Workforce Solutions segment has become a critical driver of growth by automating payroll-related compliance and income verification for employers.
For a more granular look at these revenue drivers, you may find it useful to explore the data on ValueRay. Founded in 1899, Equifax remains a central infrastructure provider for the global financial system, supporting debt collection, fraud prevention, and mortgage underwriting processes.
- Mortgage market fluctuations impact U.S. Information Solutions and Workforce Solutions revenue
- Mortgage-independent growth accelerates through Workforce Solutions income and employment verification
- Cloud technology transformation completion reduces capital expenditures and improves operating margins
- High interest rates dampen consumer credit demand and mortgage application volumes
- Regulatory scrutiny and data privacy legislation increase compliance costs and legal risks
Piotroski VR‑10 (Strict)
8.5
| Net Income: 698.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 2.72 > 1.0 |
| NWC/Revenue: -15.35% < 20% (prev -4.45%; Δ -10.90% < -1%) |
| CFO/TA 0.14 > 3% & CFO 1.63b > Net Income 698.7m |
| Net Debt (5.12b) to EBITDA (1.88b): 2.72 < 3 |
| Current Ratio: 0.61 > 1.5 & < 3 |
| Outstanding Shares: last quarter (120.8m) vs 12m ago -3.44% < -2% |
| Gross Margin: 44.67% > 18% (prev 0.56%; Δ 4.41k% > 0.5%) |
| Asset Turnover: 52.79% > 50% (prev 48.37%; Δ 4.43% > 0%) |
| Interest Coverage Ratio: 5.38 > 6 (EBITDA TTM 1.88b / Interest Expense TTM 215.1m) |
Altman Z''
2.83
| A: -0.08 (Total Current Assets 1.49b - Total Current Liabilities 2.45b) / Total Assets 11.94b |
| B: 0.55 (Retained Earnings 6.55b / Total Assets 11.94b) |
| C: 0.10 (EBIT TTM 1.16b / Avg Total Assets 11.90b) |
| D: 0.87 (Book Value of Equity 6.32b / Total Liabilities 7.26b) |
| Altman-Z'' Score: 2.83 = A |
Beneish M
-2.96
| DSRI: 0.96 (Receivables 1.07b/1.02b, Revenue 6.28b/5.73b) |
| GMI: 1.24 (GM 44.67% / 55.56%) |
| AQI: 0.81 (AQ_t 0.58 / AQ_t-1 0.72) |
| SGI: 1.10 (Revenue 6.28b / 5.73b) |
| TATA: -0.08 (NI 698.7m - CFO 1.63b) / TA 11.94b) |
| Beneish M-Score: -2.96 (Cap -4..+1) = A |
What is the price of EFX shares?
As of May 17, 2026, the stock is trading at USD 158.37 with a total of 1,413,975 shares traded.
Over the past week, the price has changed by -9.93%, over one month by -15.24%, over three months by -17.59% and over the past year by -41.92%.
Over the past week, the price has changed by -9.93%, over one month by -15.24%, over three months by -17.59% and over the past year by -41.92%.
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 | 227.9 | 43.9% |
Equifax (EFX) - Fundamental Data Overview
as of 14 May 2026
P/E Trailing = 29.5979 P/E Forward = 20.6186
P/S = 3.223
P/B = 4.6109
P/EG = 1.7168
Revenue TTM = 6.28b USD
EBIT TTM = 1.16b USD
EBITDA TTM = 1.88b USD
Long Term Debt = 4.06b USD (from longTermDebt, last quarter)
Short Term Debt = 1.25b USD (from shortTermDebt, last quarter)
Debt = 5.31b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 5.12b USD (from netDebt column, last quarter)
Enterprise Value = 25.37b USD (20.24b + Debt 5.31b - CCE 183.4m)
Interest Coverage Ratio = 5.38 (Ebit TTM 1.16b / Interest Expense TTM 215.1m)
EV/FCF = 22.27x (Enterprise Value 25.37b / FCF TTM 1.14b)
FCF Yield = 4.49% (FCF TTM 1.14b / Enterprise Value 25.37b)
FCF Margin = 18.13% (FCF TTM 1.14b / Revenue TTM 6.28b)
Net Margin = 11.12% (Net Income TTM 698.7m / Revenue TTM 6.28b)
Gross Margin = 44.67% ((Revenue TTM 6.28b - Cost of Revenue TTM 3.48b) / Revenue TTM)
Gross Margin QoQ = 53.48% (prev 10.96%)
Tobins Q-Ratio = 2.12 (Enterprise Value 25.37b / Total Assets 11.94b)
Interest Expense / Debt = 1.05% (Interest Expense 55.7m / Debt 5.31b)
Taxrate = 26.51% (62.5m / 235.8m)
NOPAT = 850.0m (EBIT 1.16b * (1 - 26.51%))
Current Ratio = 0.61 (Total Current Assets 1.49b / Total Current Liabilities 2.45b)
Debt / Equity = 1.17 (Debt 5.31b / totalStockholderEquity, last quarter 4.54b)
Debt / EBITDA = 2.72 (Net Debt 5.12b / EBITDA 1.88b)
Debt / FCF = 4.50 (Net Debt 5.12b / FCF TTM 1.14b)
Total Stockholder Equity = 4.80b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.87% (Net Income 698.7m / Total Assets 11.94b)
RoE = 14.57% (Net Income TTM 698.7m / Total Stockholder Equity 4.80b)
RoCE = 13.07% (EBIT 1.16b / Capital Employed (Equity 4.80b + L.T.Debt 4.06b))
RoIC = 8.65% (NOPAT 850.0m / Invested Capital 9.82b)
WACC = 7.05% (E(20.24b)/V(25.55b) * Re(8.69%) + D(5.31b)/V(25.55b) * Rd(1.05%) * (1-Tc(0.27)))
Discount Rate = 8.69% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -34.10 | Cagr: -1.30%
[DCF] Terminal Value 84.78% ; FCFF base≈1.01b ; Y1≈1.24b ; Y5≈2.12b
[DCF] Fair Price = 337.4 (EV 45.29b - Net Debt 5.12b = Equity 40.17b / Shares 119.1m; r=7.05% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 39.73 | EPS CAGR: -3.06% | SUE: 1.58 | # QB: 1
Revenue Correlation: 94.22 | Revenue CAGR: 6.18% | SUE: 1.83 | # QB: 5
EPS current Quarter (2026-06-30): EPS=2.20 | Chg30d=-2.64% | Revisions=-52% | Analysts=19
EPS next Quarter (2026-09-30): EPS=2.27 | Chg30d=-2.01% | Revisions=-60% | Analysts=19
EPS current Year (2026-12-31): EPS=8.62 | Chg30d=-0.49% | Revisions=+20% | GrowthEPS=+12.6% | GrowthRev=+11.4%
EPS next Year (2027-12-31): EPS=10.29 | Chg30d=-0.71% | Revisions=+12% | GrowthEPS=+19.4% | GrowthRev=+9.5%
[Analyst] Revisions Ratio: -60%