Equifax Inc. (EFX)

NYSE: EFX · USD

$176

+0.26 (+0.1%)· Recorded snapshot

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StockMarketAgent Research · Analyzed 2026-10-11

Our latest published analysis: EFX rated Hold

Equifax Inc.'s published Hold conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$161 / share

Potential value

$200 / share

Upside to FV

+10.3%

from $176

Moat

9/10

Wide

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$17.1B
Revenue (ttm)	6.6B
Net income (ttm)	742.9M
EPS (ttm)	$6.18
Shares out	117M
P/E (trailing)	28.5x
P/E (forward)	16.1x
Dividend	$2.24 (1.28%)
Volume	771,479
Beta	1.34

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 6.6B
Net income (ttm): 742.9M
EPS (ttm): $6.18
P/E (trailing): 28.5x
P/E (forward): 16.1x
Market cap: $17.1B

Item	P1	P2	P3	P4	P5	Trend
Period	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$4.92B	$5.12B	$5.27B	$5.68B	$6.07B	+5.4%
Gross profit	$2.94B	$2.95B	$2.93B	$3.16B	$3.43B	+3.9%
Operating income	$1.14B	$1.06B	$933.6M	$1.04B	$1.10B	-1.0%
Net income	$744.2M	$696.2M	$545.3M	$604.1M	$660.3M	-2.9%
EPS (diluted)	$6.02	$5.65	$4.40	$4.84	$5.32	-3.0%
EBITDA	$1.58B	$1.68B	$1.58B	$1.72B	$1.87B	+4.2%
R&D	—	—	—	—	—	—
SG&A	$1.32B	$1.33B	$1.39B	$1.45B	$1.61B	+5.1%

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AAL	American Airlines Group Inc.	8.3B	—	0.1x	3.0%	+20.0%	-6.9%	Giữ
ADP	Automatic Data Processing, Inc.	113B	25.3x	5.1x	62.8%	+7.7%	+4.5%	Giữ
ALLE	Allegion plc	15.2B	22.5x	3.5x	19.4%	+8.8%	+7.2%	Giữ

Base and Bull scenarios

Base60%

Price target

$160.83

+10.3% from spot

Core revenue expands at 11.11% in FY2026 and 8.76% in FY2027 in line with consensus. Cloud operating leverage delivers ~75 bps annual core margin expansion, driving EPS toward $10.15 in FY2027.

Operating margin expands steadily through cloud operating leverage
Capital expenditures normalize toward steady-state run-rates following cloud migration
Total debt is steadily paid down using strong excess free cash flow generation

Bull20%

Price target

$199.54

+36.9% from spot

Mortgage origination rates rebound sharply while non-mortgage verification accelerates via $100M+ in new government awards. AI run-rate savings surpass $150M, expanding operating margins past 24.8% by 2030.

Revenue compound annual growth accelerates into low double digits supported by verification volume recovery
Workforce Solutions EBITDA margins sustain record highs driven by pricing power
Capital expenditures as a share of revenue moderate following cloud transformation completion

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($160.83). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	2.5%	2.8%	3.0%	3.3%	3.5%
7.7%	$175	$180	$184	$190	$195
8.2%	$164	$168	$172	$176	$181
8.7%	$155	$158	$161	$164	$168
9.2%	$146	$149	$151	$154	$158
9.7%	$138	$141	$143	$146	$148

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E16.1

P25 n/aP50 n/aP75 n/a

Trailing P/E25.7

P25 n/aP50 n/aP75 n/a

ROE15.4

P25 n/aP50 n/aP75 n/a

ROIC9.5

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All EFX indicators

Market & fundamental data

Available fields

289

Groups with data

Currency

USD

Showing 289 of 289 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000033185
Company name	Equifax Inc.
Country	United States
Country code	US
CUSIP number	294429105
Earnings date	2026-10-20
Earnings time	bmo
Employees	15,000
Employees change	300
Employees growth	2.04%
Enterprise value	$25.6B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1899
In index	SP500
Industry	Consulting Services
Is primary listing	Yes
Is SPAC	No
ISIN number	US2944291051
Last 10-K release date	2026-02-19
Last earnings date	2026-10-20
Last refreshed	2026-10-28
Last stock split date	1995-12-18
Last stock split type	Forward
Market cap	$20.6B
Market cap category	Large-Cap
Next earnings date	2027-02-03
Options	Yes
Price	$175.98
Price currency	USD
Sector	Industrials
SIC code	7320
Stock price date	2026-10-28
Symbol	EFX
U.S. state	Georgia
Website	https://www.equifax.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	20.8x
Average P/E ratio (10Y)	40.54x
Average P/E ratio (3Y)	46.03x
Average P/E ratio (5Y)	43.64x
Earnings yield	3.51%
EV/Earnings	34.56x
EV/EBIT	20.25x
EV/EBITDA	12.67x
EV/FCF	23.26x
EV/Sales	3.89x
FCF / EV yield	4.3%
FCF yield	5.34%
Forward EV/Sales	3.71x
Forward P/E	19.38x
Forward P/S	2.99x
Graham number	72.8729
Graham upside	-58.73%
Industry forward P/E	18.25x
Industry P/E	24.65x
Lynch fair value	$30.90
Lynch upside	-82.5%
P/(FCF - SBC) ratio	20.36x
P/(OCF - SBC) ratio	13.56x
P/B ratio	4.6x
P/E ratio	28.48x
P/FCF ratio	18.71x
P/OCF ratio	12.81x
P/S ratio	3.13x
PEG ratio	1.53x
Price/EBITDA ratio	10.19x
Sector forward P/E	26.24x
Sector P/E	40.28x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	19.23%
EBITDA margin	30.74%
Effective tax rate	26.82%
FCF margin	16.75%
Gross margin	55.18%
Operating margin	19.23%
Pretax margin	15.51%
Profit margin	11.27%
Profit per employee	$49,527
Profitable quarters	30
Profitable years	6
Revenue per employee	$439,473
ROA	6.67%
ROA (5Y)	5.93%
ROCE	12.1%
ROE	15.44%
ROE (5Y)	15.92%
ROIC	9.54%
ROIC (5Y)	9.14%
SBC / revenue	1.35%
Tax / revenue	4.16%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	16.81%
EPS growth (Q)	38.76%
EPS growth (QoQ)	16.23%
EPS growth 10Y	4.58%
EPS growth 3Y	13.55%
EPS growth 5Y	1.79%
EPS growth quarters	8
EPS growth years	2
FCF growth	10.47%
FCF growth (Q)	-0.23%
FCF growth (QoQ)	113.33%
FCF growth 3Y	29.5%
FCF growth 5Y	6.6%
Gross profit growth	8.79%
Gross profit growth (Q)	6.62%
Gross profit growth 3Y	8.02%
Gross profit growth 5Y	4.98%
Net income growth	12.82%
Net income growth (Q)	32.15%
Net income growth (QoQ)	15.12%
Net income growth 3Y	12.55%
Net income growth 5Y	1.3%
Net income growth quarters	1
Net income growth years	2
OCF growth	9.74%
OCF growth (Q)	0.09%
OCF growth (QoQ)	64.92%
OCF growth 10Y	7.97%
OCF growth 3Y	12.92%
OCF growth 5Y	5.29%
Operating income growth	16.09%
Operating income growth (Q)	34.43%
Operating income growth 3Y	11.57%
Operating income growth 5Y	3.43%
Revenue growth	10.92%
Revenue growth (Q)	9.55%
Revenue growth (QoQ)	-0.45%
Revenue growth 10Y	8.15%
Revenue growth 3Y	8.67%
Revenue growth 5Y	6.6%
Revenue growth quarters	14
Revenue growth years	16

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-508.9M
Depreciation and amortization	$758.7M
EBIT	$1.3B
EBITDA	$2B
EPS	$6.18
FCF per share	$9.43
Financing cash flow	$-1B
Free cash flow	$1.1B
Free cash flow minus SBC	$1B
Gross profit	$3.6B
Income taxes	$274.2M
Investing cash flow	$-582.6M
Net borrowing	$395.5M
Net cash flow	$3.9M
Net income	$742.9M
Operating cash flow minus SBC	$1.5B
Operating income	$1.3B
Revenue	$6.6B
Stock-based compensation	$89M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	3.59
Book value per share	$38.20
Debt / EBITDA	2.51
Debt / equity	1.13
Debt / FCF	4.72
Goodwill	$6.8B
Interest coverage	5.47
Long-term assets	$10.4B
Long-term liabilities	$5.9B
Net cash (debt)	$-5B
Net cash / market cap	-24.27%
Net debt / EBITDA	2.47
Net debt / equity	1.09
Net debt / FCF	4.54
Piotroski F-Score	6
Property, plant and equipment	$1.9B
Shareholders' equity	$4.6B
Tangible book value	$-3.6B
Tangible book value per share	$-30.72
Total assets	$11.9B
Total cash	$192.9M
Total debt	$5.2B
Total liabilities	$7.3B
WACC	9.94%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.55
Current assets	$1.6B
Current liabilities	$1.5B
Current ratio	1.09
Net working capital	$91.6M
Quick ratio	0.93
Working capital	$126.8M
Working capital turnover	-33.5

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	3.77%
Dividend growth	22.47%
Dividend growth (10Y)	5.47%
Dividend growth (3Y)	11.8%
Dividend growth (5Y)	6.92%
Dividend growth years	1
Dividend payment date	2026-09-15
Dividend payment years	56
Dividend payout frequency	Quarterly
Dividend per share	$2.24
Dividend yield	1.28%
Ex-dividend date	2026-08-31
FCF payout ratio	23.74%
Last dividend	$0.56
Payout ratio	36.25%
Shareholder yield	5.04%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	41.77%
10Y return CAGR	4.54%
10Y total return	55.93%
150-day SMA	$170.51
15Y price change	390.51%
15Y return CAGR	12.4%
15Y total return	477.42%
1D price change	0.15%
1M price change	17.9%
1M total return	17.9%
1W price change	-1.09%
1W total return	-1.09%
1Y price change	-23.75%
1Y return CAGR	-22.9%
1Y total return	-22.88%
20-day SMA	$158.85
200-day SMA	$177.30
20Y price change	366.9%
20Y return CAGR	9.11%
20Y total return	471.56%
3M price change	-1.52%
3M total return	-1.23%
3Y price change	7.34%
3Y return CAGR	3.24%
3Y total return	10.03%
50-day SMA	$166.75
50-day SMA vs 200-day SMA	50under200
52-week high	$228.67
52-week high date	2026-01-09
52-week low	$137.01
52-week low date	2026-09-30
5Y price change	-34.68%
5Y return CAGR	-7.44%
5Y total return	-32.05%
6M price change	2.37%
6M total return	3.02%
All-time high	$309.63
All-time high date	2024-09-16
All-time low	$0.50
All-time low date	1974-12-23
Average true range (ATR)	$6.39
Average volume	2.1M
Beta (1Y)	0.55
Beta (2Y)	1
Beta (5Y)	1.34
Change from 52-week high	-23.04%
Change from 52-week low	28.44%
Change from all-time high	-43.6%
Change from all-time low	34,824%
Change from open	0.69%
Day's gap	-0.53%
Dollar volume	$135.8M
High price	$177.58
Low price	$174.31
Monthly RSI	43.59
Open price	$174.78
Position in 52-week range	51.07%
Premarket change	-4.22%
Premarket close	$175.71
Premarket price	$168.30
Previous close	$175.71
Price vs 150-day SMA	2.41%
Price vs 20-day SMA	9.93%
Price vs 200-day SMA	-1.51%
Price vs 50-day SMA	4.72%
Relative volume	0.36
RSI	60.07
Sharpe ratio	-0.52
Sharpe ratio (3Y)	0.07
Sharpe ratio (5Y)	-0.16
Sortino ratio	-0.59
Sortino ratio (3Y)	0.25
Sortino ratio (5Y)	-0.07
Volume	771.5K
Weekly RSI	50.34
YTD price change	-19.52%
YTD total return	-18.79%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	116.5M
Float percentage	99.57%
Shares change (QoQ)	-0.92%
Shares change (YoY)	-3.77%
Shares held by insiders	0.35%
Shares held by institutions	102.89%
Shares outstanding	117M
Short % of float	4.48%
Short % of shares	4.47%
Short ratio	3.1 days

Deeper analysis on EFX

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this EFX report

What is the latest published EFX stock rating?

Equifax Inc. is shown with Hold in the latest published report, analyzed 2026-10-11. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full EFX analysis?

The full latest published report, analyzed 2026-10-11, lives at /stocks/EFX/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for EFX?

The latest published report analyzed 2026-10-11 gives EFX a fair value of USD 161 and a potential value of USD 200. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the EFX page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-10-11). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

HoldEFX · Fair value $161+10.3%

Read full analysis →

Equifax Inc. (EFX)

Our latest published analysis: EFX rated Hold

Price

Financial snapshot

Fair-value bridge

Latest news · EFX

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All EFX indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on EFX

Frequently asked questions

Lịch sử xếp hạng

Category	Score	Reading
Valuation	6.0
Management	9.5
Balance Sheet	3.0
Profitability	5.5
Revenue Growth	6.0
Risk Assessment	4.5
Competitive Moat	9.0
Earnings Quality	7.5
Capital Efficiency	3.5