A Business at a Glance
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EQUIFAX INC
EFX
$21.4B
Mkt Cap
$172.54
+3.49%
EQUIFAX INC (EFX) has a current P/E ratio of 32.4, compared to its historical median P/E of 41.7. The stock is currently considered Fair based on its historical valuation range.
EQUIFAX INC (EFX) has a 5-year average return on invested capital (ROIC) of 8.9%. This is below average and may indicate limited pricing power.
EQUIFAX INC (EFX) has a market capitalization of $20.6B. It is classified as a large-cap stock.
Yes, EQUIFAX INC (EFX) pays a dividend with a trailing twelve-month yield of 1.22%. The company also returns capital through share buybacks, with a buyback yield of 5.77%.
Based on historical P/E analysis, EQUIFAX INC (EFX) appears fair. The current P/E of 32.4 is 22% below its historical median of 41.7. The estimated fair value CAGR (P/E method) is 16.1%.
EQUIFAX INC (EFX) operates in the Services-Consumer Credit Reporting, Collection Agencies industry, within the Industrials sector.
EQUIFAX INC (EFX) reported annual revenue of $6.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
Equifax is a global data, analytics, and technology company that provides information solutions and business process automation services to financial institutions, corporations, government agencies, and consumers. The company operates through three segments: Workforce Solutions (employment and income verification, employer services including payroll tax management and I-9 compliance), U.S. Information Solutions (consumer and commercial credit information, decisioning technology, identity management, fraud protection, and mortgage services), and International (similar products across Latin America, Europe, Asia Pacific, and Canada, plus debt collection services). Equifax's business model is built on comprehensive databases derived from credit, financial, employment, income, educational, criminal justice, healthcare, and demographic data, which it analyzes using artificial intelligence, machine learning, and proprietary software to create customized insights and decision-making solutions for clients. The company earns revenue through subscription-based verification services, transaction-based decisioning products, and direct-to-consumer offerings, with a highly diversified client base where the largest customer represents approximately 3% of total revenue. Distribution occurs primarily through direct sales teams organized by vertical markets and geography, supplemented by indirect channels including alliance partners, joint ventures, and resellers, with international revenue representing 23% of total revenue. Equifax's competitive moat derives from its proprietary data assets, cloud-native technology infrastructure, advanced analytical capabilities powered by artificial intelligence, and established relationships across financial services, mortgage, government, automotive, and employer markets.
【Cloud-driven innovation acceleration】 Management expects continued strong execution leveraging its cloud-native infrastructure and EFX.AI capabilities to drive new product development and customer share gains across mortgage, auto, card, and personal loan portfolios. The company anticipates strong free cash flow generation exceeding $1 billion in 2026 with cash conversion above 100%, providing capacity for both M&A and shareholder returns while maintaining strong leverage levels. Equifax expects meaningful opportunities from government sector expansion as state agencies implement new income and work requirement validations, positioning government as the fastest-growing business segment. The company is pursuing VantageScore adoption to drive mortgage industry conversion and cost savings, with indications that FHFA activation is approaching, though timing remains uncertain. Management remains focused on operational leverage from strong top-line growth, higher-margin new products, and AI-driven productivity improvements across the organization.
| Metric | Target | Period |
|---|---|---|
| Revenue | $6.720–6.770 billion | FY2026 |
| Adjusted EPS | $8.50–8.58 per share | FY2026 |
| Free Cash Flow | Over $1 billion | FY2026 |
| EBITDA Margin Expansion | 75 basis points | FY2026 |
| U.S. Mortgage Revenue Growth | Over 20% | FY2026 |
| Diversified Markets Revenue Growth | High single digits | FY2026 |
Revenue (FY2026): “Total Equifax revenue at the midpoint of guidance is expected to be up about 10.6% on a reported basis and 10% on a constant currency basis in 2026.”
Adjusted EPS (FY2026): “we increased our guidance to reflect the impact of FX changes since February, increasing the midpoint of our reported revenue guidance by $25 million to $6.745 billion and adjusted EPS by $0.04 per share to $8.54 per share.”
Free Cash Flow (FY2026): “We continue to expect strong free cash flow of over $1 billion in 2026, with a cash conversion over 100%”
EBITDA Margin Expansion (FY2026): “We also expect to deliver strong full year margin expansion excluding FICO of 75 basis points from operating leverage off strong top line growth, higher margin new products, and AI-driven productivity.”
Generated solely from the company's own reports listed below — not from third-party data. Hallucination risk is low. · Sources: 10-K, Q4 FY2025 Earnings Call, Q3 FY2025 Earnings Call, Q2 FY2025 Earnings Call, Q1 FY2025 Earnings Call
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 6.3B | 6.1B | 5.7B | 5.3B | 5.1B | 4.9B |
| Net Income | 699M | 660M | 604M | 545M | 696M | 744M |
| EPS | $5.75 | $5.32 | $4.84 | $4.40 | $5.65 | $6.02 |
| Free Cash Flow | 1.1B | 1.1B | 813M | 516M | 133M | 866M |
| ROIC | 8.6% | 8.2% | 8.1% | 7.4% | 8.6% | 12.1% |
| Gross Margin | - | 56.4% | 55.7% | 55.7% | 57.5% | 59.8% |
| Debt/Equity | 1.22 | 1.21 | 1.06 | 1.18 | 1.50 | 1.57 |
| Dividends/Share | $2.11 | $1.89 | $1.56 | $1.56 | $1.56 | $1.56 |
| Operating Income | 1.1B | 1.1B | 1.0B | 934M | 1.1B | 1.1B |
| Operating Margin | 18.3% | 18.0% | 18.3% | 17.7% | 20.6% | 23.1% |
| ROE | 15.4% | 14.0% | 12.9% | 12.8% | 18.5% | 22.0% |
| Shares Outstanding | 119M | 124M | 125M | 124M | 123M | 124M |
EQUIFAX INC passes 6 of 9 quality checks, suggesting mixed fundamentals.
EQUIFAX INC trades at 32.4x trailing earnings, compared to its 15-year median P/E of 41.7x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 18.3x vs a median of 34.7x. The company's 5-year average ROIC is 8.9% with a gross margin of 57.0%. Total shareholder yield (dividends + buybacks) is 7.0%. At current prices, the estimated annualized return to fair value is +23.4%.
EQUIFAX INC (EFX) has a net profit margin of 10.9%. This is a healthy margin.
EQUIFAX INC (EFX) generated $1.1 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
EQUIFAX INC (EFX) has a debt-to-equity ratio of 1.21. This indicates moderate leverage.
EQUIFAX INC (EFX) reported earnings per share (EPS) of $5.32 in its most recent fiscal year.
EQUIFAX INC (EFX) has a return on equity (ROE) of 14.0%. This indicates moderate shareholder returns.
EQUIFAX INC (EFX) has a 5-year average gross margin of 57.0%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 18 years of financial data for EQUIFAX INC (EFX), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
EQUIFAX INC (EFX) has a book value per share of $37.10, based on its most recent annual SEC filing.
Based on recent SEC filings and earnings disclosures, Management expects continued strong execution leveraging its cloud-native infrastructure and EFX.AI capabilities to drive new product development and customer share gains across mortgage, auto, card, and personal loan portfolios. The company anticipates strong free cash flow generation exceeding $1 billion in 2026 with cash conversion above 100%, providing capacity for both M&A and shareholder returns while maintaining strong leverage levels. Equifax expects meaningful opportunities from government sector expansion as state agencies implement new income and work requirement validations, positioning government as the fastest-growing business segment. The company is pursuing VantageScore adoption to drive mortgage industry conversion and cost savings, with indications that FHFA activation is approaching, though timing remains uncertain. Management remains focused on operational leverage from strong top-line growth, higher-margin new products, and AI-driven productivity improvements across the organization.
Based on recent SEC filings and earnings calls, EQUIFAX INC (EFX) has provided the following forward guidance: Revenue: $6.720–6.770 billion (FY2026); Adjusted EPS: $8.50–8.58 per share (FY2026); Free Cash Flow: Over $1 billion (FY2026); EBITDA Margin Expansion: 75 basis points (FY2026); U.S. Mortgage Revenue Growth: Over 20% (FY2026), plus 1 additional metric.
U.S. Mortgage Revenue Growth (FY2026): “We are maintaining our 2026 guidance for mortgage revenue growth of over 20%, consistent with the framework we provided in February”
Diversified Markets Revenue Growth (FY2026): “For the full year, we continue to expect our diversified markets revenue to be up high single digits, consistent with the guidance we provided in February.”