EFX
EQUIFAX INC
Next earnings Jul 20, 2026 (after close) · consensus $2.22 EPS, $1.71B rev
Last earnings -3.0% on 2026-04-21
$172.07
▲ +8.51%$172.07▼ -32.10%
over 1Y
L $151.93H $262.92
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+8.5%
1W+13.3%
1M-2.3%
3M-5.3%
YTD-19.1%
1Y-32.1%
Hold
Conviction
Horizon
Long (>12mo)
12-mo target
$•••
Street · 30 analysts
Buy
Equifax is a recovering data-monopoly compounder, but 28.9x earnings on a mortgage-cycle business leaves little margin of safety.
Revenue $6.07B · FY2025
The read
Middling fundamentals and a rich price (~36% above fair value) leave little margin of safety — a wait-and-see.
Equifax is one of three U.S. credit bureaus and a broader data, analytics and technology franchise spanning Workforce Solutions, USIS and International. The business has re-accelerated: revenue grew 6.9% to $6.07B in FY2025 with operating revenue change of 7%, and diluted EPS climbed 9.9% to $5.32, the third straight annual increase ($4.40 → $4.84 → $5.32). Net income of $660M is recovering off the FY2023 trough of $545M, and operating cash flow surged 22.0% to $1.62B — well above the $481M of capex, confirming a high-quality, cash-generative model with a 14.3% ROE.
Capital allocation is shareholder-friendly: the company repurchased $928M of stock (shrinking the share count 3.0% to 120M) and raised dividends 20.5% to $233M, while long-term debt actually fell 6.2% to $4.06B. The franchise is wide-moat — proprietary databases on credit, income, employment and identity data that are extremely hard to replicate, with 77% of revenue from the U.S.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 4:42 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $4.92B | $5.12B | $5.27B | $5.68B | $6.07B |
| Gross profit | — | — | — | — | — |
| Operating income | $1.14B | $1.06B | $934M | $1.04B | $1.10B |
| Net income | $744M | $696M | $545M | $604M | $660M |
| Diluted EPS | $6.02 | $5.65 | $4.40 | $4.84 | $5.32 |
| Net margin | 15.1% | 13.6% | 10.4% | 10.6% | 10.9% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value$25.7B
EV / EBITDA14.1
EV / Sales4.2
EV / FCF22.6
P / FCF18.3
PEG (trailing)3.48
Earnings yield3.2%
FCF yield5.5%
Quality & risk
ROIC (est.)8.9%
Free cash flow$1.13B
Total debt$5.09B
Net cash-$4.91B
Altman Z-Score3.23 safe
Piotroski F-Score7/8
Capital returns
Buyback yield4.5%
Dividend yield (est.)1.1%
Shareholder yield5.6%
Shares Δ YoY-3.0%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRoutine disclosure cadence — no material red flags in recent filings.
Recent filings
all on EDGAR ↗4Period ending 2026-06-302026-07-01open ↗8-KPeriod ending 2026-06-162026-06-16open ↗SCHEDULE 13G/AFiling2026-05-14open ↗8-KPeriod ending 2026-05-072026-05-13open ↗4Period ending 2026-05-072026-05-11open ↗4Period ending 2026-05-072026-05-11open ↗4Period ending 2026-05-072026-05-11open ↗4Period ending 2026-05-072026-05-11open ↗4Period ending 2026-05-072026-05-11open ↗4Period ending 2026-05-072026-05-11open ↗4Period ending 2026-05-072026-05-11open ↗4Period ending 2026-05-072026-05-11open ↗
Frequently asked
- Is EQUIFAX INC (EFX) a buy?
- EFX currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Equifax is a recovering data-monopoly compounder, but 28.9x earnings on a mortgage-cycle business leaves little margin of safety.
- What is EFX's fair value?
- A Modified-Graham model based on EFX's SEC fundamentals estimates a fair value of about $109.97. It is an estimate from reported earnings, not a price target.
- Is EFX overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, EFX currently appears overvalued relative to its SEC-grounded earnings power.
- What is EQUIFAX INC's quality score?
- EFX scores 65.6656271515814/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000033185, latest 10-Q filed 2026-04-21) · EODHD · Proprietary analysis · as of 6/21/2026, 8:42:50 PM.
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