(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 | 1.11% |
| Yield CAGR 5y | 4.91% |
| Payout Consistency | 92.3% |
| Payout Ratio | 24.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 44.1% |
| Relative Tail Risk | -11.3% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.48 |
| Alpha | -34.72 |
| Character TTM | |
|---|---|
| Beta | 1.019 |
| Beta Downside | 1.174 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.39% |
| CAGR/Max DD | -0.04 |
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) 8.5
| Net Income: 660.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 2.65 > 1.0 |
| NWC/Revenue: -15.20% < 20% (prev -7.94%; Δ -7.26% < -1%) |
| CFO/TA 0.14 > 3% & CFO 1.62b > Net Income 660.3m |
| Net Debt (4.91b) to EBITDA (1.83b): 2.69 < 3 |
| Current Ratio: 0.60 > 1.5 & < 3 |
| Outstanding Shares: last quarter (122.3m) vs 12m ago -2.24% < -2% |
| Gross Margin: 44.60% > 18% (prev 0.56%; Δ 4405 % > 0.5%) |
| Asset Turnover: 51.43% > 50% (prev 48.31%; Δ 3.12% > 0%) |
| Interest Coverage Ratio: 5.22 > 6 (EBITDA TTM 1.83b / Interest Expense TTM 212.3m) |
Altman Z'' 2.80
| A: -0.08 (Total Current Assets 1.41b - Total Current Liabilities 2.34b) / Total Assets 11.86b |
| B: 0.54 (Retained Earnings 6.45b / Total Assets 11.86b) |
| C: 0.09 (EBIT TTM 1.11b / Avg Total Assets 11.81b) |
| D: 0.87 (Book Value of Equity 6.16b / Total Liabilities 7.13b) |
| Altman-Z'' Score: 2.80 = A |
Beneish M -2.97
| DSRI: 0.99 (Receivables 1.01b/957.6m, Revenue 6.07b/5.68b) |
| GMI: 1.25 (GM 44.60% / 55.66%) |
| AQI: 0.79 (AQ_t 0.57 / AQ_t-1 0.72) |
| SGI: 1.07 (Revenue 6.07b / 5.68b) |
| TATA: -0.08 (NI 660.3m - CFO 1.62b) / TA 11.86b) |
| Beneish M-Score: -2.97 (Cap -4..+1) = A |
What is the price of EFX shares?
Over the past week, the price has changed by +0.21%, over one month by -12.06%, over three months by -4.20% and over the past year by -20.45%.
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 | 241.9 | 21.2% |
| Analysts Target Price | 241.9 | 21.2% |
| ValueRay Target Price | 196.1 | -1.8% |
EFX Fundamental Data Overview February 10, 2026
P/E Forward = 22.3714
P/S = 3.9415
P/B = 5.1154
P/EG = 0.9125
Revenue TTM = 6.07b USD
EBIT TTM = 1.11b USD
EBITDA TTM = 1.83b USD
Long Term Debt = 4.05b USD (from longTermDebt, two quarters ago)
Short Term Debt = 1.04b USD (from shortTermDebt, last quarter)
Debt = 5.09b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.91b USD (from netDebt column, last quarter)
Enterprise Value = 28.86b USD (23.94b + Debt 5.09b - CCE 180.8m)
Interest Coverage Ratio = 5.22 (Ebit TTM 1.11b / Interest Expense TTM 212.3m)
EV/FCF = 25.44x (Enterprise Value 28.86b / FCF TTM 1.13b)
FCF Yield = 3.93% (FCF TTM 1.13b / Enterprise Value 28.86b)
FCF Margin = 18.67% (FCF TTM 1.13b / Revenue TTM 6.07b)
Net Margin = 10.87% (Net Income TTM 660.3m / Revenue TTM 6.07b)
Gross Margin = 44.60% ((Revenue TTM 6.07b - Cost of Revenue TTM 3.37b) / Revenue TTM)
Gross Margin QoQ = 10.96% (prev 57.07%)
Tobins Q-Ratio = 2.43 (Enterprise Value 28.86b / Total Assets 11.86b)
Interest Expense / Debt = 1.06% (Interest Expense 54.1m / Debt 5.09b)
Taxrate = 24.26% (56.5m / 232.9m)
NOPAT = 838.6m (EBIT 1.11b * (1 - 24.26%))
Current Ratio = 0.60 (Total Current Assets 1.41b / Total Current Liabilities 2.34b)
Debt / Equity = 1.11 (Debt 5.09b / totalStockholderEquity, last quarter 4.60b)
Debt / EBITDA = 2.69 (Net Debt 4.91b / EBITDA 1.83b)
Debt / FCF = 4.33 (Net Debt 4.91b / FCF TTM 1.13b)
Total Stockholder Equity = 4.91b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.59% (Net Income 660.3m / Total Assets 11.86b)
RoE = 13.46% (Net Income TTM 660.3m / Total Stockholder Equity 4.91b)
RoCE = 12.36% (EBIT 1.11b / Capital Employed (Equity 4.91b + L.T.Debt 4.05b))
RoIC = 8.47% (NOPAT 838.6m / Invested Capital 9.90b)
WACC = 8.11% (E(23.94b)/V(29.04b) * Re(9.67%) + D(5.09b)/V(29.04b) * Rd(1.06%) * (1-Tc(0.24)))
Discount Rate = 9.67% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.85%
[DCF Debug] Terminal Value 80.89% ; FCFF base≈1.01b ; Y1≈1.24b ; Y5≈2.11b
Fair Price DCF = 249.0 (EV 34.90b - Net Debt 4.91b = Equity 29.98b / Shares 120.4m; r=8.11% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 19.00 | EPS CAGR: -1.60% | SUE: 0.93 | # QB: 4
Revenue Correlation: 86.25 | Revenue CAGR: 3.49% | SUE: 1.43 | # QB: 4
EPS next Quarter (2026-03-31): EPS=1.68 | Chg30d=-0.101 | Revisions Net=-2 | Analysts=16
EPS current Year (2026-12-31): EPS=8.73 | Chg30d=-0.057 | Revisions Net=-7 | Growth EPS=+14.1% | Growth Revenue=+10.9%
EPS next Year (2027-12-31): EPS=10.44 | Chg30d=-0.252 | Revisions Net=-9 | Growth EPS=+19.6% | Growth Revenue=+9.4%