(EFX) Equifax - Ratings and Ratios

Equifax Inc. (NYSE: EFX) is a global data, analytics, and technology company specializing in credit bureau services, identity verification, and workforce management solutions. The company operates through three core segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment provides employment verification services, including income, education, and criminal history checks, as well as payroll-related and HR management tools for employers. This includes solutions like The Work Number, which streamlines employment and income verification processes for lenders, landlords, and other stakeholders. The U.S. Information Solutions segment offers consumer and commercial credit information, credit scoring, fraud detection, and identity verification services. It also provides mortgage services, financial marketing, and credit monitoring products, leveraging its proprietary databases to deliver actionable insights. The International segment operates in over 20 countries, offering similar services tailored to local markets, including credit and financial information, debt recovery management, and HR process automation.

Equifax serves a diverse range of customers, including financial institutions, governments, employers, and consumers. Its global footprint spans the Americas, Europe, Asia, and the Pacific, with a strong presence in emerging markets. The company has a long history, dating back to 1899, and is headquartered in Atlanta, Georgia. Equifax is a leader in the credit bureau industry, competing with companies like Experian and TransUnion. Its services are critical for credit decisions, fraud prevention, and workforce management, making it a key player in the global financial ecosystem.

Based on the provided technical and fundamental data, here is a 3-month forecast for Equifax (EFX):

From a technical perspective, EFX is currently trading below its 20-day, 50-day, and 200-day moving averages, indicating bearish momentum. The stock is priced at $215.29, with an ATR of 8.91, suggesting moderate volatility. If the stock fails to break above the 20-day SMA of $228.68, it may test support levels near $200. Conversely, a breakout above $228.68 could signal a potential recovery toward the 50-day SMA of $238.10. The 200-day SMA of $263.96 remains a key resistance level.

Fundamentally, Equifax has a market cap of $27.61 billion, with a trailing P/E of 45.62 and a forward P/E of 29.50, indicating elevated valuations but also reflecting market expectations for future growth. The P/B ratio of 5.76 suggests that the stock is trading at a premium to its book value, while the P/S ratio of 4.86 indicates strong revenue multiples. With an ROE of 12.59%, the company demonstrates solid profitability. Over the next three months, investor focus will likely remain on the companys ability to maintain revenue growth, particularly in its International and Workforce Solutions segments, amid macroeconomic uncertainties. The upcoming earnings report will be a critical catalyst, as will any updates on the companys progress in emerging markets and its debt recovery management solutions.