(EFX) Equifax - Overview
Stock: Credit Reports, Analytics, Verification Services, Identity Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.80% |
| Yield on Cost 5y | 1.09% |
| Yield CAGR 5y | 4.91% |
| Payout Consistency | 92.3% |
| Payout Ratio | 33.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 44.5% |
| Relative Tail Risk | -11.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.52 |
| Alpha | -42.79 |
| Character TTM | |
|---|---|
| Beta | 1.010 |
| Beta Downside | 1.174 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.39% |
| CAGR/Max DD | -0.02 |
Description: EFX Equifax December 17, 2025
Equifax Inc. (NYSE:EFX) is a data, analytics, and technology firm organized into three operating segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. Workforce Solutions delivers income, employment, education, criminal-justice, healthcare licensure, and sanctions verification, plus payroll-automation tools for U.S. employers. USIS provides consumer and commercial credit data, scoring, modeling, fraud detection, identity verification, mortgage services, and credit-monitoring products. The International segment supplies comparable credit and financial information, debt-collection technology, and HR-process outsourcing across more than 20 countries.
In FY 2023 Equifax reported revenue of roughly $4.2 billion, with USIS contributing about 55 % of total sales; its credit-monitoring subscription base grew 12 % year-over-year, reflecting heightened consumer demand for identity-theft protection amid rising cyber-risk awareness. The company’s outlook is tightly linked to macro-economic drivers such as interest-rate cycles (which affect credit-card and mortgage origination volumes) and regulatory trends in data privacy, especially the EU’s GDPR and U.S. state-level privacy statutes.
Analysts should monitor the credit-card delinquency rate (a leading indicator of credit-risk exposure) and the pace of digital-identity adoption, both of which can materially impact Equifax’s fee-based services. For a deeper quantitative dive, you might explore ValueRay’s analyst toolkit.
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income: 658.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 2.10 > 1.0 |
| NWC/Revenue: -8.76% < 20% (prev -3.96%; Δ -4.80% < -1%) |
| CFO/TA 0.12 > 3% & CFO 1.47b > Net Income 658.6m |
| Net Debt (4.62b) to EBITDA (1.81b): 2.55 < 3 |
| Current Ratio: 0.74 > 1.5 & < 3 |
| Outstanding Shares: last quarter (124.1m) vs 12m ago -0.88% < -2% |
| Gross Margin: 56.26% > 18% (prev 0.56%; Δ 5571 % > 0.5%) |
| Asset Turnover: 49.17% > 50% (prev 45.27%; Δ 3.90% > 0%) |
| Interest Coverage Ratio: 5.15 > 6 (EBITDA TTM 1.81b / Interest Expense TTM 213.9m) |
Altman Z'' 3.00
| A: -0.04 (Total Current Assets 1.46b - Total Current Liabilities 1.98b) / Total Assets 11.83b |
| B: 0.54 (Retained Earnings 6.33b / Total Assets 11.83b) |
| C: 0.09 (EBIT TTM 1.10b / Avg Total Assets 12.09b) |
| D: 0.89 (Book Value of Equity 6.02b / Total Liabilities 6.76b) |
| Altman-Z'' Score: 3.00 = A |
Beneish M -3.17
| DSRI: 1.00 (Receivables 1.01b/953.6m, Revenue 5.94b/5.59b) |
| GMI: 0.99 (GM 56.26% / 55.53%) |
| AQI: 0.81 (AQ_t 0.58 / AQ_t-1 0.71) |
| SGI: 1.06 (Revenue 5.94b / 5.59b) |
| TATA: -0.07 (NI 658.6m - CFO 1.47b) / TA 11.83b) |
| Beneish M-Score: -3.17 (Cap -4..+1) = AA |
What is the price of EFX shares?
Over the past week, the price has changed by -2.87%, over one month by -7.84%, over three months by -3.97% and over the past year by -20.32%.
Is EFX a buy, sell or hold?
- 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 | 262.7 | 34.3% |
| Analysts Target Price | 262.7 | 34.3% |
| ValueRay Target Price | 192.5 | -1.6% |
EFX Fundamental Data Overview February 02, 2026
P/E Forward = 23.31
P/S = 4.1748
P/B = 5.0559
P/EG = 0.9516
Revenue TTM = 5.94b USD
EBIT TTM = 1.10b USD
EBITDA TTM = 1.81b USD
Long Term Debt = 4.05b USD (from longTermDebt, last quarter)
Short Term Debt = 759.3m USD (from shortTermDebt, last quarter)
Debt = 4.81b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.62b USD (from netDebt column, last quarter)
Enterprise Value = 29.44b USD (24.81b + Debt 4.81b - CCE 189.0m)
Interest Coverage Ratio = 5.15 (Ebit TTM 1.10b / Interest Expense TTM 213.9m)
EV/FCF = 29.45x (Enterprise Value 29.44b / FCF TTM 999.4m)
FCF Yield = 3.40% (FCF TTM 999.4m / Enterprise Value 29.44b)
FCF Margin = 16.82% (FCF TTM 999.4m / Revenue TTM 5.94b)
Net Margin = 11.08% (Net Income TTM 658.6m / Revenue TTM 5.94b)
Gross Margin = 56.26% ((Revenue TTM 5.94b - Cost of Revenue TTM 2.60b) / Revenue TTM)
Gross Margin QoQ = 57.07% (prev 56.76%)
Tobins Q-Ratio = 2.49 (Enterprise Value 29.44b / Total Assets 11.83b)
Interest Expense / Debt = 1.08% (Interest Expense 52.2m / Debt 4.81b)
Taxrate = 24.99% (53.8m / 215.3m)
NOPAT = 826.3m (EBIT 1.10b * (1 - 24.99%))
Current Ratio = 0.74 (Total Current Assets 1.46b / Total Current Liabilities 1.98b)
Debt / Equity = 0.97 (Debt 4.81b / totalStockholderEquity, last quarter 4.94b)
Debt / EBITDA = 2.55 (Net Debt 4.62b / EBITDA 1.81b)
Debt / FCF = 4.63 (Net Debt 4.62b / FCF TTM 999.4m)
Total Stockholder Equity = 4.96b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.45% (Net Income 658.6m / Total Assets 11.83b)
RoE = 13.29% (Net Income TTM 658.6m / Total Stockholder Equity 4.96b)
RoCE = 12.23% (EBIT 1.10b / Capital Employed (Equity 4.96b + L.T.Debt 4.05b))
RoIC = 8.37% (NOPAT 826.3m / Invested Capital 9.88b)
WACC = 8.21% (E(24.81b)/V(29.63b) * Re(9.64%) + D(4.81b)/V(29.63b) * Rd(1.08%) * (1-Tc(0.25)))
Discount Rate = 9.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.12%
[DCF Debug] Terminal Value 80.59% ; FCFF base≈913.0m ; Y1≈1.13b ; Y5≈1.92b
Fair Price DCF = 216.5 (EV 31.12b - Net Debt 4.62b = Equity 26.49b / Shares 122.4m; r=8.21% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: -37.78 | EPS CAGR: -49.98% | SUE: -4.0 | # QB: 0
Revenue Correlation: 84.93 | Revenue CAGR: 5.74% | SUE: 1.39 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.78 | Chg30d=-0.013 | Revisions Net=-5 | Analysts=17
EPS next Year (2026-12-31): EPS=8.72 | Chg30d=-0.082 | Revisions Net=-7 | Growth EPS=+14.5% | Growth Revenue=+9.0%