Equifax Inc (EFX)
Industrials · Research & Consulting Services · US stock · S&P 500 component
$187.14
▲ +11.57 (6.59%)
Fair valueFair
$198 +5.8% to fair value
$99fair band $169–$240$297
Day's range
$178.00 – $188.29
52-week range
$137.01 – $238.94
About Equifax Inc
Equifax is a credit reporting and data analytics company. It collects and organises information on consumers and businesses, and it sells credit reports, scores, identity verification, fraud prevention and employment and income verification services to lenders, employers and government agencies. Revenue comes from data and analytics fees, often tied to transaction volumes such as loan applications, so activity in mortgage and consumer credit markets matters.
Trailing twelve-month revenue stands at $6.4 billion, while revenue grew by 5.8% a year over the past three years. Return on invested capital is 9%, alongside an operating margin of 17.9%. Net debt is 2.8 times EBITDA. The company pays a dividend, and the yield is 1.2%. On the X-Ray Score, it is rated 52 out of 100.
EFX news
All EFX news →Price chart
52-wk range $137.01 – $238.94Volume 2,741,269Daily, split-adjusted
Vitals
Market cap$22.3B
52-week range$137.01 – $238.94
Volume (last day)2,741,269
P/E (TTM)33.0
EBIT / EV yield4.2%
Free-cash-flow yield5.0%
Dividend yield1.2%
Revenue (TTM)$6.4B
Net income (TTM)$691M
Operating margin17.9%
Return on capital8.8%
Debt incl. leases$5.5B
Cash & securities$170M
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies that hold large long-term investments). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$198middle half of models $166 – $236
Fair
+5.8% to fair value
Average of the 15 valuation models that pass our checks: multiples, discounted cash flow, dividend discount and earnings power value. A model more than 100% above or 60% below the price is left out as unrealistic. Model uncertainty is Medium, based on how far apart the models are. Undervalued or Overvalued means the gap to fair value is more than 17.5%.
Price $187
Undervalued < $169Fair $169 – $240Overvalued > $240
P/E multiple
$200
P/B multiple
$215
P/S multiple
$257
EV/EBITDA multiple
$208
EV/EBIT multiple
$217
EV/revenue multiple
$229
10-year DCF, EBITDA exit
$237
5-year DCF, EBITDA exit
$234
10-year DCF, revenue exit
$238
5-year DCF, revenue exit
$237
10-year DCF, growth exit
$143
5-year DCF, growth exit
$124
Dividend discount, stable
$98
Dividend discount, multi-stage
$187
Earnings power value
$145
Growth the price implies
18.1%/yr
A model estimate, not a price target or recommendation. Inputs: risk-free 5.13%, equity risk premium 4.30% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Industrials peers. Open a lens to see the numbers behind it.
Strong: 70 to 100Fair: 50 to 69Weak: under 50No score: not enough data
Valuation
Fair
63/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield4.2%
Free-cash-flow yield5.0%
Fair value vs price1.1×
Growth
Fair
65/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)5.8%
EPS growth (3y)-2.0%
Growth consistency100%
Profitability
Weak
48/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital8.8%
Operating margin17.9%
Financial health
Weak
25/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score6 / 9
Net debt / EBITDA2.8×
Interest cover5.2×
Dividends
Fair
59/100
Dividend is typical for its sector.
See the numbers →
Dividend yield1.2%
Dividends vs free cash flow24%
Dividend growth6.8%
Quarterly results: last 6 quarters
+3.8%
Mar '25
+7.4%
Jun '25
+7.2%
Sep '25
+9.2%
Dec '25
+14.3%
Mar '26
+10.6%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $1.7B, diluted EPS $1.54.
Compare with peers
VRSK Verisk Analytics, Inc.60Other Research & Consulting Services companies by X-Ray Score.
SWOT analysis: Equifax Inc
Strengthsinside the company
- No standout strength in the figures we track.
Weaknessesinside the company
- Return on invested capital of 8.8% is well below the 15.0% median of sector peers.
Opportunitiesvaluation and setting
- Dividends use only 24% of free cash flow, which leaves room to raise them.
Threatsvaluation and setting
- No specific threat is flagged by our checks; general market and interest-rate risk still applies.
Written by fixed rules from the figures on this page and the peer table below: filings, our fair value, the sector climate and the price trend. It summarises the data, it is not a forecast or advice.
Compare EFX with peers and sector
Medians of 80 Industrials peers and of 80 Industrials stocks in our universe.
Largest peers (X-Ray Score): CAT 43, GE 49, RTX 51, GEV 50, UNP 45, DE 43.
| Metric | EFX | Peers | Sector |
|---|---|---|---|
| X-Ray Score (out of 100) | 52 | 50 | 50 |
| Valuation | 63 | 44 | 44 |
| Growth | 65 | 50 | 50 |
| Profitability | 48 | 51 | 51 |
| Financial health | 25 | 49 | 49 |
| Dividends | 59 | 53 | 53 |
Sector leaders: highest X-Ray Score in Industrials
EFX ranks #39 of 81 in Industrials by X-Ray Score. A higher score is stronger on our five pillars; it is a ranking of facts, not a forecast.
Green means better than the peer median, red worse (only where a higher or lower figure is clearly better). A dash means too few companies report the figure. P/E, EV/EBITDA and price changes are not graded: a different level is not good or bad by itself.
Factor ratings for EFX
Each factor is rated by where EFX stands among the 81 Industrials stocks in our universe.
Rating against the sector
Goodthe top third of these stocks
Averagethe middle third of these stocks
Badthe bottom third of these stocks
"Beats" is the share of those stocks it is ahead of.
Against its own history
The last columns set today's figure against the company's own median of its last five financial years:
▲ Betterbetter than its usual level
▼ Worseworse than its usual level
≈ In linewithin its usual range
For valuation factors Good means cheaper than most of the sector and Better means cheaper than usual for this company, which is not the same as a bargain.
In total: 6 Good · 9 Average · 6 Bad of 21
Growth: 0 · 2 · 1
Profitability: 0 · 2 · 2
Financial strength: 0 · 1 · 3
Valuation: 2 · 3 · 0
Cash flow: 4 · 0 · 0
Efficiency: 0 · 1 · 0
| Factor | EFX | Rating | Sector median | Own 5-year median | Against own history |
|---|---|---|---|---|---|
| Growth | |||||
| Revenue growth, 3 years a year | +5.8% | Average beats 53% | +5.6% | – | – |
| Revenue growth, last year | +6.9% | Average beats 64% | +4.5% | +6.9% | ≈ In line |
| EPS growth, 3 years a year | −2.0% | Bad beats 28% | +5.7% | – | – |
| Profitability | |||||
| Operating margin | 17.9% | Average beats 57% | 17.5% | 18.3% | ≈ In line |
| Net margin | 10.7% | Average beats 41% | 12.8% | 10.9% | ≈ In line |
| Return on invested capital | 8.8% | Bad beats 17% | 14.9% | – | – |
| Return on equity | 15.8% | Bad beats 32% | 23.7% | 14.3% | ≈ In line |
| Financial strength | |||||
| Net debt / EBITDA | 2.8x | Bad beats 18% | 1.8x | 3.1x | ▲ Better |
| Interest cover | 5.2x | Bad beats 9% | 21.4x | 5.2x | ≈ In line |
| Current ratio | 0.60 | Bad beats 3% | 1.25 | 0.67 | ≈ In line |
| Piotroski F-score | 6 / 9 | Average beats 41% | 6 / 9 | – | – |
| Valuation | |||||
| P/E ratio | 32.3x | Average beats 36% | 28.9x | 48.6x | ▲ Better |
| Price / book | 5.1x | Average beats 60% | 6.2x | 6.6x | ▲ Better |
| Price / sales | 3.5x | Average beats 52% | 3.5x | 5.6x | ▲ Better |
| EV / EBITDA | 14.6x | Good beats 76% | 18.5x | 21.3x | ▲ Better |
| Free cash flow yield | 5.0% | Good beats 71% | 3.8% | 2.4% | ▲ Better |
| Cash flow | |||||
| Free cash flow margin | 17.1% | Good beats 69% | 13.8% | 14.3% | ▲ Better |
| Cash from operations / net income | 2.33 | Good beats 89% | 1.39 | 2.05 | ▲ Better |
| Free cash flow growth, 3 years a year | +104.5% | Good beats 98% | +14.5% | – | – |
| Accruals (lower is better) | −7.7% | Good beats 90% | −3.2% | – | – |
| Efficiency | |||||
| Days sales outstanding | 63 days | Average beats 40% | 57 days | 61 days | ≈ In line |
These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the X-Ray Score. A factor is left out when its data is missing or meaningless (for example a P/E on negative earnings). A dash in the history columns means fewer than three usable years.
Fundamentals checklist
● 5 Good · ● 5 Average · ● 5 BadCash quality
Earnings backed by cashGood
Free-cash-flow yieldGood
Risk models
Altman Z''Average
Piotroski F-ScoreAverage
Growth
EPS growth (3y)Bad
Free-cash-flow growth (3y)Good
Revenue growth (3y)Average
Growth consistencyGood
Balance sheet
Current ratioBad
Net debt / EBITDABad
Interest coverBad
Valuation
Fair value vs priceGood
EBIT / EV yieldAverage
Profitability
Return on invested capitalBad
Operating marginAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 50/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $4.9B | $5.1B | $5.3B | $5.7B | $6.1B |
| Operating income | $1.1B | $1.1B | $934M | $1.0B | $1.1B |
| Net income | $744M | $696M | $545M | $604M | $660M |
| Operating cash flow | $1.3B | $757M | $1.1B | $1.3B | $1.6B |
| Operating margin | 23.1% | 20.6% | 17.7% | 18.3% | 18.0% |
| Free cash flow | $866M | $133M | $516M | $813M | $1.1B |
| Diluted EPS | $6.02 | $5.65 | $4.40 | $4.84 | $5.32 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bullish
12 bullish · 0 neutral · 4 bearish
Weekly
Bullish
7 bullish · 1 neutral · 4 bearish
Monthly
Bearish
2 bullish · 1 neutral · 5 bearish
Moving averages (daily)
| SMA 10 | 161.3 | Bullish |
| EMA 10 | 165.4 | Bullish |
| SMA 20 | 151.9 | Bullish |
| EMA 20 | 160.1 | Bullish |
| SMA 50 | 166.9 | Bullish |
| EMA 50 | 162.8 | Bullish |
| SMA 100 | 168.1 | Bullish |
| EMA 100 | 168.2 | Bullish |
| SMA 200 | 177.3 | Bullish |
| EMA 200 | 179.6 | Bullish |
Oscillators (daily)
| RSI (14) | 75.24 | Bearish |
| MACD (12, 26) | 3.48 | Bullish |
| Momentum (12) | 31.34 | Bullish |
| Stochastic %K (14) | 97.73 | Bearish |
| Williams %R (14) | -2.27 | Bearish |
| CCI (20) | 213.4 | Bearish |
Pivot points (classic, last session)
S3 170.4 | S2 174.2 | S1 180.7 | Pivot 184.5 | R1 191.0 | R2 194.8 | R3 201.2 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
2.18 USD
Yield on today's price
1.16%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 0.5600 | |
| 0.5600 | |
| 0.5600 | |
| 0.5000 | |
| 0.5000 | |
| 0.5000 | |
| 0.3900 | |
| 0.3900 | |
| 0.3900 | |
| 0.3900 | |
| 0.3900 | |
| 0.3900 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
ETFs that hold EFX
| ETF | Share of the fund |
|---|---|
| RSPN Invesco S&P 500 Equal Weight Industria... | 1.23% |
| MFSV MFS Active Value | 1.03% |
| VOT Vanguard Mid-Cap Growth | 0.42% |
| COWZ Pacer US Cash Cows 100 | 0.34% |
| XLI Industrial Select Sector SPDR | 0.33% |
| FIDU Fidelity MSCI Industrials Index | 0.30% |
| VIS Vanguard Industrials | 0.29% |
| IYJ iShares U.S. Industrials | 0.24% |
The eight funds with the largest weight in EFX among the ETFs we cover, from each fund's latest SEC Form N-PORT (quarter-end positions, so they can be months old). All ETFs.
EFX stock splits
EFX has split its stock once since 1995. The latest was a 2-for-1 split on 18 Dec 1995.
Full EFX stock split history →EFX SEC filings
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations
8-KSEC EDGAR
Other events
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations
8-KSEC EDGAR
Current report
8-KSEC EDGAR
Shareholder vote results
8-KSEC EDGAR
Entered a material agreement
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.