(EFX) Equifax - NYSE
Sector: Industrials | Industry: Consulting Services | Exchange: NYSE (USA) | Market Cap: 20.162m USD | Total Return: -39.2% in 12m
Avg Turnover: 281M
EPS Trend: 99.2%
Qual. Beats: 5
Rev. Trend: 99.7%
Qual. Beats: 5
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Equifax Inc. is a global data, analytics, and technology company headquartered in Atlanta, Georgia, founded in 1899. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International, providing credit reporting, identity verification, fraud detection, and employment/income verification services to businesses, governments, and consumers.
Its Workforce Solutions segment supports employer compliance with payroll and HR management processes, while USIS offers consumer and commercial credit information, credit scoring, portfolio analytics, and identity management products. The International segment delivers credit information, debt collection support, and marketing services across more than 20 countries, including Argentina, Brazil, Canada, India, Mexico, Spain, and the United Kingdom.
Equifax generates revenue primarily through subscription-based data services, transactional fees for credit reports, and analytics products sold to lenders, employers, and government agencies. Listed on the NYSE under the ticker EFX since 1971, the company is classified within the Industrials sector (Research & Consulting Services) and serves as one of the three major consumer credit reporting agencies in the U.S., alongside Experian and TransUnion.
- Workforce Solutions drives growth on rising employer verification demand
- Mortgage rate volatility pressures USIS credit reporting revenue
- Cybersecurity spending and data privacy regulation weigh on margins
| 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 (1.89b): 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 55.56%; Δ -10.89% > 0.5%) |
| Asset Turnover: 52.79% > 50% (prev 48.37%; Δ 4.43% > 0%) |
| Interest Coverage Ratio: 5.39 > 6 (EBIT TTM 1.16b / Interest Expense TTM 215.1m) |
| A: -0.08 (Total Current Assets 1.49b - Total Current Liabilities 2.45b) / Total Assets 11.9b |
| B: 0.55 (Retained Earnings 6.55b / Total Assets 11.9b) |
| C: 0.10 (EBIT TTM 1.16b / Avg Total Assets 11.9b) |
| D: 0.63 (Book Value of Equity 4.54b / Total Liabilities 7.26b) |
| Altman-Z'' = 2.57 = A |
| DSRI: 0.96 (Receivables 1.07b/1.02b, Revenue 6.28b/5.73b) |
| GMI: 1.24 (GM 55.56% / 44.67%) |
| 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 11.9b) |
| Beneish M = -2.89 (Cap -4..+1) = A |
As of June 20, 2026, the stock is trading at USD 153.93 with a total of 4,758,660 shares traded.
Over the past week, the price has changed by -3.54%,
over one month by -3.96%,
over three months by -14.90% and
over the past year by -39.16%.
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
| Analysts Target Price | 222.9 | 44.8% |
P/E Trailing = 29.4243
P/E Forward = 19.5695
P/S = 3.2097
P/B = 4.3303
P/EG = 1.6502
Revenue TTM = 6.28b USD
EBIT TTM = 1.16b USD
EBITDA TTM = 1.89b 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 (calculated: Debt 5.31b - CCE 183.4m)
Enterprise Value = 25.3b USD (20.2b + Debt 5.31b - CCE 183.4m)
Interest Coverage Ratio = 5.39 (Ebit TTM 1.16b / Interest Expense TTM 215.1m)
EV/FCF = 22.20x (Enterprise Value 25.3b / FCF TTM 1.14b)
FCF Yield = 4.50% (FCF TTM 1.14b / Enterprise Value 25.3b)
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 25.3b / Total Assets 11.9b)
Interest Expense / Debt = 4.05% (Interest Expense 215.1m / Debt 5.31b)
Taxrate = 25.55% (241.5m / 945.3m)
NOPAT = 863.9m (EBIT 1.16b * (1 - 25.55%))
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 1.89b)
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 11.9b)
RoE = 14.57% (Net Income TTM 698.7m / Total Stockholder Equity 4.80b)
RoCE = 13.11% (EBIT 1.16b / Capital Employed (Equity 4.80b + L.T.Debt 4.06b))
RoIC = 8.18% (NOPAT 863.9m / Invested Capital 10.6b)
WACC = 7.29% (E(20.2b)/V(25.5b) * Re(8.41%) + D(5.31b)/V(25.5b) * Rd(4.05%) * (1-Tc(0.26)))
Discount Rate = 8.41% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -34.10 | Cagr: -1.30%
[DCF] Terminal Value 77.97% ; FCFF base≈1.01b ; Y1≈1.15b ; Y5≈1.70b
[DCF] Fair Price = 171.7 (EV 25.6b - Net Debt 5.12b = Equity 20.4b / Shares 119.1m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 99.17 | EPS CAGR: 8.35% | SUE: 3.69 | # QB: 5
Revenue Correlation: 99.67 | Revenue CAGR: 7.74% | SUE: 1.83 | # QB: 5
EPS current Quarter (2026-06-30): EPS=2.20 | Chg30d=+0.05% | Revisions=-33% | Analysts=19
EPS next Quarter (2026-09-30): EPS=2.27 | Chg30d=+0.04% | Revisions=-52% | Analysts=19
EPS current Year (2026-12-31): EPS=8.60 | Chg30d=-0.15% | Revisions=+9% | GrowthEPS=+12.5% | GrowthRev=+11.4%
EPS next Year (2027-12-31): EPS=10.27 | Chg30d=-0.19% | Revisions=+9% | GrowthEPS=+19.4% | GrowthRev=+9.3%
[Analyst] Revisions Ratio: -52%