(EFX) Equifax - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US2944291051
Stock: Data, Analytics, Technology, Information, Services
Total Rating 44
Risk 86
Buy Signal -0.66
| Risk 5d forecast | |
|---|---|
| Volatility | 36.4% |
| Relative Tail Risk | -9.43% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.47 |
| Alpha | -42.88 |
| Character TTM | |
|---|---|
| Beta | 0.897 |
| Beta Downside | -0.018 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.39% |
| CAGR/Max DD | -0.01 |
EPS (Earnings per Share)
Revenue
Description: EFX Equifax February 24, 2026
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, 0-10) 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 March 12, 2026, the stock is trading at USD 191.55 with a total of 900,086 shares traded.
Over the past week, the price has changed by -7.02%, over one month by -2.80%, over three months by -12.93% and over the past year by -19.27%.
Over the past week, the price has changed by -7.02%, over one month by -2.80%, over three months by -12.93% and over the past year by -19.27%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 237.6 | 24% |
| Analysts Target Price | 237.6 | 24% |
EFX Fundamental Data Overview March 12, 2026
P/E Trailing = 38.7416
P/E Forward = 24.2718
P/S = 4.1684
P/B = 5.3959
P/EG = 0.9434
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 = 30.23b USD (25.32b + Debt 5.09b - CCE 180.8m)
Interest Coverage Ratio = 5.22 (Ebit TTM 1.11b / Interest Expense TTM 212.3m)
EV/FCF = 26.65x (Enterprise Value 30.23b / FCF TTM 1.13b)
FCF Yield = 3.75% (FCF TTM 1.13b / Enterprise Value 30.23b)
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 = 2.55 (Enterprise Value 30.23b / 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 = 7.78% (E(25.32b)/V(30.41b) * Re(9.18%) + D(5.09b)/V(30.41b) * Rd(1.06%) * (1-Tc(0.24)))
Discount Rate = 9.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.85%
[DCF] Terminal Value 81.99% ; FCFF base≈1.01b ; Y1≈1.24b ; Y5≈2.11b
[DCF] Fair Price = 270.0 (EV 37.39b - Net Debt 4.91b = Equity 32.48b / Shares 120.3m; r=7.78% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 19.00 | EPS CAGR: -1.60% | SUE: 0.93 | # QB: 4
Revenue Correlation: 86.25 | Revenue CAGR: 3.49% | SUE: 1.43 | # QB: 4
EPS next Quarter (2026-06-30): EPS=2.26 | Chg7d=+0.001 | Chg30d=+0.009 | Revisions Net=+1 | Analysts=18
EPS current Year (2026-12-31): EPS=8.65 | Chg7d=-0.037 | Chg30d=-0.074 | Revisions Net=+3 | Growth EPS=+13.0% | Growth Revenue=+11.4%
EPS next Year (2027-12-31): EPS=10.36 | Chg7d=-0.058 | Chg30d=-0.248 | Revisions Net=-5 | Growth EPS=+19.8% | Growth Revenue=+9.4%
[Analyst] Revisions Ratio: +0.06 (9 Up / 8 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 6.6% (Discount Rate 9.2% - Earnings Yield 2.6%)
[Growth] Growth Spread = +4.2% (Analyst 10.8% - Implied 6.6%)
P/E Forward = 24.2718
P/S = 4.1684
P/B = 5.3959
P/EG = 0.9434
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 = 30.23b USD (25.32b + Debt 5.09b - CCE 180.8m)
Interest Coverage Ratio = 5.22 (Ebit TTM 1.11b / Interest Expense TTM 212.3m)
EV/FCF = 26.65x (Enterprise Value 30.23b / FCF TTM 1.13b)
FCF Yield = 3.75% (FCF TTM 1.13b / Enterprise Value 30.23b)
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 = 2.55 (Enterprise Value 30.23b / 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 = 7.78% (E(25.32b)/V(30.41b) * Re(9.18%) + D(5.09b)/V(30.41b) * Rd(1.06%) * (1-Tc(0.24)))
Discount Rate = 9.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.85%
[DCF] Terminal Value 81.99% ; FCFF base≈1.01b ; Y1≈1.24b ; Y5≈2.11b
[DCF] Fair Price = 270.0 (EV 37.39b - Net Debt 4.91b = Equity 32.48b / Shares 120.3m; r=7.78% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 19.00 | EPS CAGR: -1.60% | SUE: 0.93 | # QB: 4
Revenue Correlation: 86.25 | Revenue CAGR: 3.49% | SUE: 1.43 | # QB: 4
EPS next Quarter (2026-06-30): EPS=2.26 | Chg7d=+0.001 | Chg30d=+0.009 | Revisions Net=+1 | Analysts=18
EPS current Year (2026-12-31): EPS=8.65 | Chg7d=-0.037 | Chg30d=-0.074 | Revisions Net=+3 | Growth EPS=+13.0% | Growth Revenue=+11.4%
EPS next Year (2027-12-31): EPS=10.36 | Chg7d=-0.058 | Chg30d=-0.248 | Revisions Net=-5 | Growth EPS=+19.8% | Growth Revenue=+9.4%
[Analyst] Revisions Ratio: +0.06 (9 Up / 8 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 6.6% (Discount Rate 9.2% - Earnings Yield 2.6%)
[Growth] Growth Spread = +4.2% (Analyst 10.8% - Implied 6.6%)