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Equifax
(NYSE:EFX)
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Rating:65Neutral
Price Target:
$187.00
â–¼(-4.70% Downside)
Action:Reiterated
Date:05/14/26
EFX scores as moderately attractive: solid and improving cash generation and generally strong operating execution (supported by a positive earnings call and steady growth) are partially offset by a weak technical trend, meaningful leverage on the balance sheet, and a relatively high P/E that leaves less margin for error if macro-related volume volatility persists.
Positive Factors
Strong free cash flow generation
Equifax’s free cash flow has improved materially to roughly $1.1B TTM, creating durable capacity to fund buybacks, dividends, M&A, and tech investment. Sustained FCF above $1B supports strategic optionality and reduces dependence on capital markets over the next few years.
Negative Factors
Meaningful leverage on balance sheet
A debt-heavy capital structure (debt > $5B vs equity ~$4.5B) reduces financial flexibility if revenues soften. Elevated leverage constrains scope for large acquisitions or aggressive buybacks during downturns and increases refinancing and interest-rate exposure over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong free cash flow generation
Equifax’s free cash flow has improved materially to roughly $1.1B TTM, creating durable capacity to fund buybacks, dividends, M&A, and tech investment. Sustained FCF above $1B supports strategic optionality and reduces dependence on capital markets over the next few years.
Read all positive factors
Equifax Key Performance Indicators (KPIs)
Any
Revenue by Segment
Breaks down revenue by business segment, revealing which areas are driving growth and contributing most to the company's financial performance.
Breaks down revenue by business segment, revealing which areas are driving growth and contributing most to the company's financial performance.
Data provided by:
The Fly
The FlyEquifax (EFX) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$20.49B
Dividend Yield0.86%
Average Volume (3M)1.72M
Price to Earnings (P/E)30.1
Beta (1Y)1.06
Revenue Growth9.55%
EPS Growth15.79%
CountryUS
Employees15,000
SectorIndustrials
Sector Strength72
IndustryConsulting Services
Share Statistics
EPS (TTM)5.72
Shares Outstanding119,072,410
10 Day Avg. Volume2,146,597
30 Day Avg. Volume1,716,666
Financial Highlights & Ratios
PEG Ratio4.12
Price to Book (P/B)5.81
Price to Sales (P/S)4.40
P/FCF Ratio23.57
Enterprise Value/Market Cap1.16
Enterprise Value/Revenue3.79
Enterprise Value/Gross Profit8.48
Enterprise Value/Ebitda12.62
Forecast
1Y Price Target
$223.00Price Target Upside13.65% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering15
EPS Forecast (FY)8.61
Revenue Forecast (FY)$6.76B
Equifax Business Overview & Revenue Model
Company Description
Equifax Inc. operates as a global data and analytics company, delivering a range of information solutions and specialized human resources administrative process outsourcing services. Its clientele spans across businesses, governmental organization...
How the Company Makes Money
Equifax makes money by selling data-driven products and subscription/transaction services that support credit risk assessment, employment/income verification, identity proofing, and fraud prevention.
Key revenue streams include:
1) Workforce Solu...
Equifax Earnings Call Summary
Earnings Call Date:Apr 21, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 22, 2026
Earnings Call Sentiment Positive
The call presented strong operational and financial performance: double-digit revenue growth, meaningful EBITDA and EPS expansion, record product vitality, robust cash generation and active share repurchases/dividend increase. These positives were balanced against short-term macro and geopolitical uncertainty (Iran conflict) that pressured mortgage volumes late in the quarter, timing and budget headwinds in government contracts, WOTC expiration impact on Employer Services, and some USIS/diversified-market variability. Management remained conservative with full-year guidance but highlighted multiple secular growth levers (TWN indicators, EFX.AI, proprietary data, cloud) that support upside beyond the current guidance.Positive Updates
Strong Top-Line Growth
Reported revenue of $1.649B in Q1, up 14% year-over-year and $37M above the midpoint of February guidance; organic constant-currency revenue growth of 13% (200 bps above the February midpoint), and ex-FICO revenue growth ~10% (near the top of the 7%-10% long-term framework).
Negative Updates
Macro Uncertainty Impacting Mortgage Outlook
Management maintained FY guidance (did not raise) due to uncertainty from the Iran conflict; mortgage inquiry activity declined in the last ~6 weeks of the quarter after rate moves, and current mortgage run rates are slightly below the February framework despite a strong Q1.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Top-Line Growth
Reported revenue of $1.649B in Q1, up 14% year-over-year and $37M above the midpoint of February guidance; organic constant-currency revenue growth of 13% (200 bps above the February midpoint), and ex-FICO revenue growth ~10% (near the top of the 7%-10% long-term framework).
Read all positive updates
Company Guidance
Equifax held its 2026 guidance while updating several line items: reported revenue midpoint was raised by $25M to $6.745B (FX ~+90 bps) and adjusted EPS midpoint was nudged to $8.54 (+$0.04); on a constant‑currency basis diversified markets are expected to grow high single digits and U.S. mortgage revenue is expected to be up >20% (mortgage originations down low single digits), with mortgage ex‑FICO growth at high single digits; excluding FICO mortgage royalties management expects full‑year growth of 7–9% and EBITDA (midpoint ~ $2.1B) with ex‑FICO EBITDA margin expansion of 75 bps (vs. a 50 bps long‑term target); EWS is expected to grow high single digits with EBITDA margins ~51.2–51.7%; full‑year free cash flow is expected to exceed $1.0B with cash conversion ≥100% and roughly $1.5B capacity for M&A and returns; Q2 guidance is $1.680–1.710B revenue (midpoint +10.3% reported / +9.4% constant‑dollar), ex‑FICO revenue ~+6.5% at midpoint, EPS $2.15–2.25, and EBITDA $537–554M (midpoint ~32.2% margin; ex‑FICO 34.3–34.7%, >80 bps y/y); management conservatively assumes only FICO scoring in 2026 (no vintage conversion), noting a ~$35M annual margin upside if full Vantage conversion occurs.Equifax Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
62
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.28B | 6.07B | 5.68B | 5.27B | 5.12B | 4.92B |
| Gross Profit | 2.81B | 2.71B | 3.16B | 2.93B | 2.94B | 2.94B |
| EBITDA | 1.89B | 1.83B | 1.72B | 1.58B | 1.68B | 1.58B |
| Net Income | 698.70M | 660.30M | 604.10M | 545.30M | 696.20M | 744.20M |
Balance Sheet | ||||||
| Total Assets | 11.94B | 11.86B | 11.76B | 12.28B | 11.55B | 11.04B |
| Cash, Cash Equivalents and Short-Term Investments | 183.40M | 180.80M | 169.90M | 216.80M | 285.20M | 224.70M |
| Total Debt | 5.31B | 5.09B | 5.01B | 5.71B | 5.79B | 5.29B |
| Total Liabilities | 7.26B | 7.13B | 6.84B | 7.59B | 7.57B | 7.44B |
| Stockholders Equity | 4.54B | 4.60B | 4.80B | 4.53B | 3.96B | 3.58B |
Cash Flow | ||||||
| Free Cash Flow | 1.14B | 1.13B | 813.00M | 515.50M | 132.60M | 865.80M |
| Operating Cash Flow | 1.63B | 1.62B | 1.32B | 1.12B | 757.10M | 1.33B |
| Investing Cash Flow | -568.40M | -554.30M | -511.50M | -878.20M | -959.50M | -3.40B |
| Financing Cash Flow | -1.06B | -1.06B | -846.40M | -306.20M | 273.70M | 617.70M |
Equifax Technical Analysis
Positive
196.22
Price Trends
165.64
Positive
177.39
Negative
198.23
Negative
Market Momentum
-1.50
Negative
59.96
Neutral
78.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EFX, the sentiment is Positive. The current price of 196.22 is above the 20-day moving average (MA) of 161.77, above the 50-day MA of 165.64, and below the 200-day MA of 198.23, indicating a neutral trend. The MACD of -1.50 indicates Negative momentum. The RSI at 59.96 is Neutral, neither overbought nor oversold. The STOCH value of 78.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EFX.
Equifax Risk Analysis
Equifax disclosed 29 risk factors in its most recent earnings report. Equifax reported the most risks in the "Tech & Innovation" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Equifax Peers Comparison
UnderperformOutperform
Sector (63)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $15.10B | 21.51 | 15.50% | 0.53% | 10.99% | 93.17% | |
66 Neutral | $24.68B | 28.62 | -2137.87% | 0.82% | 5.86% | -4.09% | |
65 Neutral | $20.49B | 30.08 | 14.57% | 0.86% | 9.55% | 15.79% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% |
* Industrials Sector Average
EFX
Equifax
172.07
-89.25
-34.15%
VRSK
Verisk Analytics
188.35
-117.04
-38.33%
TRU
TransUnion
78.31
-12.62
-13.88%
Equifax Corporate Events
Executive/Board ChangesShareholder Meetings
Equifax Shareholders Reaffirm Board, Adjust Special Meeting Rules
Positive
May 13, 2026
At its May 7, 2026 annual meeting, Equifax shareholders elected ten directors to serve until the next annual meeting, reaffirmed the company’s board slate with strong support, and ratified Ernst Young LLP as the independent auditor for fisc...
Business Operations and StrategyPrivate Placements and Financing
Equifax Expands Revolving Credit Facility to Boost Liquidity
Positive
Apr 24, 2026
On April 23, 2026, Equifax Inc. and several international subsidiaries amended their existing revolving credit agreement, expanding the unsecured facility from $1.5 billion to $2 billion and raising swingline loan availability from $150 million to...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.