(EFX) Equifax - Ratings and Ratios
Data, Analytics, Credit, Verification,
EFX EPS (Earnings per Share)
EFX Revenue
Description: EFX Equifax
Equifax Inc (NYSE:EFX) is a leading data, analytics, and technology company that operates through three main segments: Workforce Solutions, U.S. Information Solutions, and International. The company provides a range of services, including employment verification, credit reporting, and identity verification, to businesses, governments, and consumers across multiple countries.
From a business perspective, Equifaxs revenue streams are diversified across its three segments, with a significant presence in the US and international markets. The companys Workforce Solutions segment is a key player in the employment verification market, while its U.S. Information Solutions segment is a major provider of credit information and credit scoring services. The International segment offers a range of information services, including credit reporting and debt collections.
In terms of key performance indicators (KPIs), Equifaxs revenue growth, operating margins, and return on equity (RoE) are important metrics to track. With a RoE of 12.64%, the company demonstrates a reasonable return on shareholder equity. Additionally, the companys debt-to-equity ratio and interest coverage ratio are also important metrics to monitor, as they indicate the companys leverage and ability to service its debt. Furthermore, metrics such as revenue per user, customer acquisition costs, and customer retention rates can provide insights into the companys operational efficiency and competitiveness.
From a valuation perspective, Equifaxs price-to-earnings (P/E) ratio of 53.19 and forward P/E ratio of 34.25 suggest that the stock may be trading at a premium to its earnings. However, the companys market capitalization of $32.37 billion and its position as a market leader in the data and analytics industry may justify a premium valuation. Investors should consider the companys growth prospects, industry trends, and competitive landscape when evaluating the stocks valuation.
EFX Stock Overview
| Market Cap in USD | 30,251m |
| Sub-Industry | Research & Consulting Services |
| IPO / Inception | 1971-05-11 |
EFX Stock Ratings
| Growth Rating | 18.6% |
| Fundamental | 67.2% |
| Dividend Rating | 38.5% |
| Return 12m vs S&P 500 | -25.2% |
| Analyst Rating | 4.17 of 5 |
EFX Dividends
| Dividend Yield 12m | 0.68% |
| Yield on Cost 5y | 1.19% |
| Annual Growth 5y | 0.00% |
| Payout Consistency | 92.1% |
| Payout Ratio | 23.7% |
EFX Growth Ratios
| Growth Correlation 3m | -37.5% |
| Growth Correlation 12m | -44.5% |
| Growth Correlation 5y | 51.6% |
| CAGR 5y | 15.03% |
| CAGR/Max DD 3y | 0.46 |
| CAGR/Mean DD 3y | 1.25 |
| Sharpe Ratio 12m | -0.32 |
| Alpha | 0.00 |
| Beta | 0.985 |
| Volatility | 31.12% |
| Current Volume | 1686.2k |
| Average Volume 20d | 892.8k |
| Stop Loss | 254.4 (-3%) |
| Signal | 0.57 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (639.7m TTM) > 0 and > 6% of Revenue (6% = 350.4m TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA 2.14pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -7.60% (prev -6.76%; Δ -0.84pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.12 (>3.0%) and CFO 1.39b > Net Income 639.7m (YES >=105%, WARN >=100%) |
| Net Debt (4.71b) to EBITDA (1.79b) ratio: 2.64 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.77 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (125.0m) change vs 12m ago 0.16% (target <= -2.0% for YES) |
| Gross Margin 55.80% (prev 55.62%; Δ 0.17pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 48.53% (prev 44.98%; Δ 3.55pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.97 (EBITDA TTM 1.79b / Interest Expense TTM 218.0m) >= 6 (WARN >= 3) |
Altman Z'' 2.99
| (A) -0.04 = (Total Current Assets 1.50b - Total Current Liabilities 1.95b) / Total Assets 11.92b |
| (B) 0.52 = Retained Earnings (Balance) 6.23b / Total Assets 11.92b |
| (C) 0.09 = EBIT TTM 1.08b / Avg Total Assets 12.04b |
| (D) 0.88 = Book Value of Equity 5.91b / Total Liabilities 6.68b |
| Total Rating: 2.99 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 67.20
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 2.62% = 1.31 |
| 3. FCF Margin 15.70% = 3.93 |
| 4. Debt/Equity 0.96 = 2.06 |
| 5. Debt/Ebitda 2.74 = -1.37 |
| 6. ROIC - WACC (= -0.31)% = -0.39 |
| 7. RoE 12.93% = 1.08 |
| 8. Rev. Trend 95.06% = 7.13 |
| 9. EPS Trend 49.31% = 2.47 |
What is the price of EFX shares?
Over the past week, the price has changed by +6.83%, over one month by +7.03%, over three months by +2.69% and over the past year by -11.28%.
Is Equifax a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of EFX is around 249.24 USD . This means that EFX is currently overvalued and has a potential downside of -4.99%.
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 | 280.5 | 6.9% |
| Analysts Target Price | 280.5 | 6.9% |
| ValueRay Target Price | 277.7 | 5.8% |
Last update: 2025-09-12 04:35
EFX Fundamental Data Overview
CCE Cash And Equivalents = 189.0m USD (last quarter)
P/E Trailing = 47.8655
P/E Forward = 27.027
P/S = 5.1798
P/B = 5.9275
P/EG = 1.1019
Beta = 1.675
Revenue TTM = 5.84b USD
EBIT TTM = 1.08b USD
EBITDA TTM = 1.79b USD
Long Term Debt = 4.05b USD (from longTermDebt, last quarter)
Short Term Debt = 847.0m USD (from shortTermDebt, last quarter)
Debt = 4.90b USD (Calculated: Short Term 847.0m + Long Term 4.05b)
Net Debt = 4.71b USD (from netDebt column, last quarter)
Enterprise Value = 34.96b USD (30.25b + Debt 4.90b - CCE 189.0m)
Interest Coverage Ratio = 4.97 (Ebit TTM 1.08b / Interest Expense TTM 218.0m)
FCF Yield = 2.62% (FCF TTM 917.0m / Enterprise Value 34.96b)
FCF Margin = 15.70% (FCF TTM 917.0m / Revenue TTM 5.84b)
Net Margin = 10.95% (Net Income TTM 639.7m / Revenue TTM 5.84b)
Gross Margin = 55.80% ((Revenue TTM 5.84b - Cost of Revenue TTM 2.58b) / Revenue TTM)
Tobins Q-Ratio = 5.92 (Enterprise Value 34.96b / Book Value Of Equity 5.91b)
Interest Expense / Debt = 1.08% (Interest Expense 53.1m / Debt 4.90b)
Taxrate = 25.07% (203.2m / 810.5m)
NOPAT = 812.3m (EBIT 1.08b * (1 - 25.07%))
Current Ratio = 0.77 (Total Current Assets 1.50b / Total Current Liabilities 1.95b)
Debt / Equity = 0.96 (Debt 4.90b / last Quarter total Stockholder Equity 5.10b)
Debt / EBITDA = 2.74 (Net Debt 4.71b / EBITDA 1.79b)
Debt / FCF = 5.34 (Debt 4.90b / FCF TTM 917.0m)
Total Stockholder Equity = 4.95b (last 4 quarters mean)
RoA = 5.37% (Net Income 639.7m, Total Assets 11.92b )
RoE = 12.93% (Net Income TTM 639.7m / Total Stockholder Equity 4.95b)
RoCE = 12.05% (Ebit 1.08b / (Equity 4.95b + L.T.Debt 4.05b))
RoIC = 8.10% (NOPAT 812.3m / Invested Capital 10.03b)
WACC = 8.41% (E(30.25b)/V(35.15b) * Re(9.64%)) + (D(4.90b)/V(35.15b) * Rd(1.08%) * (1-Tc(0.25)))
Shares Correlation 3-Years: 82.19 | Cagr: 0.12%
Discount Rate = 9.64% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.43% ; FCFE base≈820.4m ; Y1≈1.01b ; Y5≈1.73b
Fair Price DCF = 179.5 (DCF Value 22.12b / Shares Outstanding 123.2m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 49.31 | EPS CAGR: 5.42% | SUE: 2.16 | # QB: 2
Revenue Correlation: 95.06 | Revenue CAGR: 7.98% | SUE: N/A | # QB: None
Additional Sources for EFX Stock
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Fund Manager Positions: Dataroma | Stockcircle