EFX Stock Analysis: Equifax | NYSE

Credit Reporting, Employment Verification, Fraud Detection, Identity Management

Total Rating 41

Safety 65

Buy Signal -0.92

Consulting Services
Industry Rotation: -8.9

Market Cap: 18.8B
Avg Turnover: 234M

Risk 3d forecast

Volatility39.8%

VaR 5^th Pctl6.64%

VaR vs Median1.50%

Reward TTM

Sharpe Ratio-1.32

Rel. Str. IBD7.1

Rel. Str. Peer Group12.5

Character TTM

Beta0.518

Beta Downside0.880

Hurst Exponent0.475

Drawdowns 3y

Max DD51.59%

CAGR/Max DD-0.11

CAGR/Mean DD-0.30

EPS (Earnings per Share)

EPS CAGR: 8.66%
EPS Trend: 99.1%

Last SUE: 0.73
Qual. Beats: 0

Revenue

Rev. CAGR: 8.04%
Rev. Trend: 99.5%

Last SUE: 0.21
Qual. Beats: 0

Warnings

Choppy

Below Avwap Earnings

Below Sma 200d

Tailwinds

No distinct edge detected

Seasonality 11.7 years of data

Jan -1.4% 8

Feb -7.5% 23

Mar +1.9% 29

Apr +3.3% 5

May -0.2% 5

Jun -0.4% 7

Jul +0.5% 17

Aug +2.4% 35

Sep -7.2% 64

Oct -8.7% 29

Nov +0.3% 2

Dec +1.3% 28

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: EFX Equifax

Equifax Inc. (NYSE: EFX) is a global data, analytics, and technology company that provides consumer and commercial credit information, identity verification, fraud detection, and workforce-related services. The company operates in the credit reporting and information services industry, which is highly regulated in the United States under frameworks such as the Fair Credit Reporting Act (FCRA) and is dominated domestically by three major credit bureaus. Equifax generates revenue primarily through subscription-based data products, transaction fees, and business process outsourcing services sold to financial institutions, employers, and government agencies.

The company is organized into three reportable segments. The Workforce Solutions segment focuses on employment and income verification, as well as HR and payroll-related automation services for employers. The U.S. Information Solutions (USIS) segment provides consumer and commercial credit data, credit scoring and modeling, fraud prevention, identity management, mortgage services, and credit monitoring products. The International segment delivers credit information, scoring, and debt collection support services across more than 20 countries in the Americas, Europe, and the Asia-Pacific region.

Founded in 1899 and headquartered in Atlanta, Georgia, Equifax has been publicly traded since 1971 and is classified as a Large Cap stock within the Industrials sector (Research & Consulting Services sub-industry). Its business model relies on aggregating large-scale consumer and commercial datasets and monetizing them through analytics-enabled products and outsourced processing services for lenders, employers, and government entities.

Headlines to Watch Out For

Workforce Solutions revenue accelerates on employer hiring and HR outsourcing demand
USIS segment benefits from mortgage origination recovery and credit demand growth
International acquisitions and emerging market credit expansion drive segment revenue

Piotroski VR-10 (Strict) 7.5

Net Income: 691.3m TTM > 0 and > 6% of Revenue
FCF/TA: 0.09 > 0.02 and ΔFCF/TA 1.53 > 1.0
NWC/Revenue: -16.20% < 20% (prev -7.60%; Δ -8.61% < -1%)
CFO/TA 0.13 > 3% & CFO 1.61b > Net Income 691.3m
Net Debt (5.30b) to EBITDA (1.90b): 2.79 < 3
Current Ratio: 0.60 > 1.5 & < 3
Outstanding Shares: last quarter (119.2m) vs 12m ago -4.64% < -2%
Gross Margin: 44.38% > 18% (prev 55.80%; Δ -11.42% > 0.5%)
Asset Turnover: 53.93% > 50% (prev 49.00%; Δ 4.93% > 0%)
Interest Coverage Ratio: 5.23 > 6 (EBIT TTM 1.16b / Interest Expense TTM 221.8m)

Altman Z'' 2.51

A: -0.09 (Total Current Assets 1.58b - Total Current Liabilities 2.63b) / Total Assets 12.0b
B: 0.56 (Retained Earnings 6.67b / Total Assets 12.0b)
C: 0.10 (EBIT TTM 1.16b / Avg Total Assets 11.9b)
D: 0.59 (Book Value of Equity 4.38b / Total Liabilities 7.46b)
Altman-Z'' = 2.51 = A

Beneish M -2.87

DSRI: 0.96 (Receivables 1.10b/1.04b, Revenue 6.44b/5.84b)
GMI: 1.26 (GM 55.80% / 44.38%)
AQI: 0.82 (AQ_t 0.58 / AQ_t-1 0.71)
SGI: 1.10 (Revenue 6.44b / 5.84b)
TATA: -0.08 (NI 691.3m - CFO 1.61b) / TA 12.0b)
Beneish M = -2.87 (Cap -4..+1) = A

What is the price of EFX shares?

As of September 29, 2026, the stock is trading at USD 145.78 with a total of 2,323,139 shares traded. Over the past week, the price has changed by -8.09%, over one month by -24.77%, over three months by -7.80% and over the past year by -42.31%.

Current recommended Stop Loss: 138.00 (which is 5.3% or 1.3 ATR below the current price).

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	215	47.4%

Equifax (EFX) - Fundamental Data Overview as of 24 September 2026

Market Cap USD = 18.8b (18.8b USD * 1.0 USD.USD)
P/E Trailing = 27.8362
P/E Forward = 15.949
P/S = 2.9128
P/B = 4.2545
P/EG = 1.3285
Revenue TTM = 6.44b USD
EBIT TTM = 1.16b USD
EBITDA TTM = 1.90b USD
Long Term Debt = 4.06b USD (from longTermDebt, last quarter)
Short Term Debt = 1.41b USD (from shortTermDebt, last quarter)
Debt = 5.47b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 5.30b USD (calculated: Debt 5.47b - CCE 170.1m)
Enterprise Value = 24.1b USD (18.8b + Debt 5.47b - CCE 170.1m)
Interest Coverage Ratio = 5.23 (Ebit TTM 1.16b / Interest Expense TTM 221.8m)
EV/FCF = 21.78x (Enterprise Value 24.1b / FCF TTM 1.10b)
FCF Yield = 4.59% (FCF TTM 1.10b / Enterprise Value 24.1b)
FCF Margin = 17.15% (FCF TTM 1.10b / Revenue TTM 6.44b)
Net Margin = 10.73% (Net Income TTM 691.3m / Revenue TTM 6.44b)
Gross Margin = 44.38% ((Revenue TTM 6.44b - Cost of Revenue TTM 3.58b) / Revenue TTM)
Gross Margin QoQ = 54.49% (prev 53.48%)
Tobins Q-Ratio = 2.01 (Enterprise Value 24.1b / Total Assets 12.0b)
Interest Expense / Debt = 4.06% (Interest Expense 221.8m / Debt 5.47b)
Taxrate = 26.00% (244.6m / 940.9m)
NOPAT = 858.6m (EBIT 1.16b * (1 - 26.00%))
Current Ratio = 0.60 (Total Current Assets 1.58b / Total Current Liabilities 2.63b)
Debt / Equity = 1.25 (Debt 5.47b / totalStockholderEquity, last quarter 4.38b)
Debt / EBITDA = 2.79 (Net Debt 5.30b / EBITDA 1.90b)
Debt / FCF = 4.79 (Net Debt 5.30b / FCF TTM 1.10b)
Total Stockholder Equity = 4.62b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.79% (Net Income 691.3m / Total Assets 12.0b)
RoE = 14.98% (Net Income TTM 691.3m / Total Stockholder Equity 4.62b)
RoCE = 13.38% (EBIT 1.16b / Capital Employed (Equity 4.62b + L.T.Debt 4.06b))
RoIC = 8.10% (NOPAT 858.6m / Invested Capital 10.6b)
WACC = 6.73% (E(18.8b)/V(24.2b) * Re(7.81%) + D(5.47b)/V(24.2b) * Rd(4.06%) * (1-Tc(0.26)))
Discount Rate = 7.81% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.51 | Cagr: -2.02%
[DCF] Terminal Value 77.97% ; FCFF base≈1.03b ; Y1≈1.18b ; Y5≈1.74b
[DCF] Fair Price = 177.5 (EV 26.1b - Net Debt 5.30b = Equity 20.8b / Shares 117.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 99.10 | EPS CAGR: 8.66% | SUE: 0.73 | # QB: 0
Revenue Correlation: 99.48 | Revenue CAGR: 8.04% | SUE: 0.21 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.23 | Chg30d=-0.12% | Revisions=-25% | Analysts=19
EPS current Year (2026-12-31): EPS=8.56 | Chg30d=-0.05% | Revisions=-40% | GrowthEPS=+11.9% | GrowthRev=+11.2%
EPS next Year (2027-12-31): EPS=10.17 | Chg30d=+0.09% | Revisions=-40% | GrowthEPS=+18.7% | GrowthRev=+8.8%
[Analyst] Revisions Ratio: -62% (up=0, down=5)