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Equifax
(NYSE:EFX)
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Rating:69Neutral
Price Target:
$205.00
â–²(18.81% Upside)
Action:Downgraded
Date:07/30/26
EFX’s score is supported primarily by solid financial performance (profitability plus strong free cash flow) and a positive, execution-focused earnings update with margin expansion and intact guidance. Offsetting this are a relatively expensive valuation and only mixed technical positioning (below the 200-day average), alongside ongoing leverage and mortgage/FICO-Vantage related risks.
Positive Factors
Free Cash Flow Strength
Sustained FCF (~$1.1B TTM) and strong operating cash flow provide durable internal funding for buybacks, dividends, bolt-on M&A, and debt paydown. Reliable cash conversion supports capital allocation flexibility even if revenue growth moderates, underpinning long-term shareholder returns.
Negative Factors
Moderate Leverage
Meaningful net debt (>$5B) and D/E just above 1x constrain strategic optionality and increase sensitivity to rising rates or weaker cash flow. While leverage has improved, sustained high debt levels reduce buffer for large opportunistic investments or downturns and lengthen deleveraging timelines.
Read all positive and negative factors
Positive Factors
Negative Factors
Free Cash Flow Strength
Sustained FCF (~$1.1B TTM) and strong operating cash flow provide durable internal funding for buybacks, dividends, bolt-on M&A, and debt paydown. Reliable cash conversion supports capital allocation flexibility even if revenue growth moderates, underpinning long-term shareholder returns.
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
$20.28B
Dividend Yield1.23%
Average Volume (3M)1.91M
Price to Earnings (P/E)30.1
Beta (1Y)1.05
Revenue Growth10.35%
EPS Growth11.11%
CountryUS
Employees15,000
SectorIndustrials
Sector Strength72
IndustryConsulting Services
Share Statistics
EPS (TTM)5.73
Shares Outstanding117,484,890
10 Day Avg. Volume2,149,552
30 Day Avg. Volume1,913,729
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$209.89Price Target Upside21.65% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering20
EPS Forecast (FY)8.58
Revenue Forecast (FY)$6.75B
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 primarily by selling data-driven services and decisioning tools to business and government customers, along with select consumer-facing products. Key revenue streams include: (1) Credit and risk solutions for lenders and other ...
Equifax Earnings Call Summary
Earnings Call Date:Jul 21, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 21, 2026
Earnings Call Sentiment Positive
The call conveyed strong underlying operating performance: revenue and EPS beat expectations, meaningful EBITDA and margin expansion (notably ex-FICO), solid free cash flow and shareholder returns, rapid AI-driven product and productivity momentum, and an accretive strategic acquisition (CÃrculo). Headwinds include a legal settlement charge, near-term mortgage market weakness related to higher rates (pressuring origination volumes), some international softness, timing of government revenue recognition (many benefits push to 2027), FX headwinds, and potential longer-term shifts if VantageScore adoption reduces FICO royalties. On balance the positive operational execution, margin gains, cash generation, AI progress and strategic M&A materially outweigh the near-term challenges.Positive Updates
Revenue and EPS Beat
Total revenue $1.7B, up 11% reported and 10% constant currency, $5M above April guidance midpoint; EPS $2.25, up 13% and $0.05 above the April midpoint.
Negative Updates
Legal Settlement Charge
Recorded a $40M charge (net of insurance) in Q2 related to a legal settlement for a previously disclosed coding issue.
Read all updates
Q2-2026 Updates
Positive
Negative
Revenue and EPS Beat
Total revenue $1.7B, up 11% reported and 10% constant currency, $5M above April guidance midpoint; EPS $2.25, up 13% and $0.05 above the April midpoint.
Read all positive updates
Company Guidance
Equifax kept full‑year 2026 guidance largely intact (raised on a constant‑currency basis after the Q2 beat) and gave Q3 detail: Q3 revenue $1.68–$1.71B (midpoint ≈ +10% reported y/y; ≈ +9.5% constant currency), ex‑FICO revenue up ~7% at the midpoint; Q3 EPS $2.15–$2.25 (≈ +8% y/y midpoint); Q3 EBITDA $547–$564M (midpoint ≈ +10%) with EBITDA margin ~32.8% (ex‑FICO 34.6%–35%, up >90 bps y/y). For full‑year 2026 they expect diversified‑markets growth at the midpoint of high single digits, U.S. mortgage revenue up just above 20% (market originations down low single digits), revenue ex‑FICO +7.2%–8.4%, EBITDA margin expansion ex‑FICO of ~75 bps, >$1B free cash flow with cash conversion ≥100%, about $1.5B of capital capacity for M&A/returns, and leverage kept below 3x EBITDA.Equifax Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
66
Positive
Cash Flow
73
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.44B | 6.07B | 5.68B | 5.27B | 5.12B | 4.92B |
| Gross Profit | 2.86B | 2.71B | 3.16B | 2.93B | 2.94B | 2.94B |
| EBITDA | 1.90B | 1.83B | 1.72B | 1.58B | 1.68B | 1.58B |
| Net Income | 691.30M | 660.30M | 604.10M | 545.30M | 696.20M | 744.20M |
Balance Sheet | ||||||
| Total Assets | 11.98B | 11.86B | 11.76B | 12.28B | 11.55B | 11.04B |
| Cash, Cash Equivalents and Short-Term Investments | 170.10M | 180.80M | 169.90M | 216.80M | 285.20M | 224.70M |
| Total Debt | 5.47B | 5.09B | 5.01B | 5.71B | 5.79B | 5.29B |
| Total Liabilities | 7.46B | 7.13B | 6.84B | 7.59B | 7.57B | 7.44B |
| Stockholders Equity | 4.38B | 4.60B | 4.80B | 4.53B | 3.96B | 3.58B |
Cash Flow | ||||||
| Free Cash Flow | 1.10B | 1.13B | 813.00M | 515.50M | 132.60M | 865.80M |
| Operating Cash Flow | 1.61B | 1.62B | 1.32B | 1.12B | 757.10M | 1.33B |
| Investing Cash Flow | -582.00M | -554.30M | -511.50M | -878.20M | -959.50M | -3.40B |
| Financing Cash Flow | -1.03B | -1.06B | -846.40M | -306.20M | 273.70M | 617.70M |
Equifax Technical Analysis
Positive
172.54
Price Trends
168.08
Positive
172.09
Positive
190.52
Negative
Market Momentum
2.85
Positive
53.92
Neutral
47.49
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 172.54 is below the 20-day moving average (MA) of 174.11, above the 50-day MA of 168.08, and below the 200-day MA of 190.52, indicating a neutral trend. The MACD of 2.85 indicates Positive momentum. The RSI at 53.92 is Neutral, neither overbought nor oversold. The STOCH value of 47.49 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $15.06B | 20.53 | 15.50% | 0.63% | 12.37% | 90.36% | |
72 Outperform | $25.36B | 29.88 | -211.97% | 0.94% | 5.01% | 0.06% | |
69 Neutral | $20.28B | 30.13 | 14.98% | 1.23% | 10.35% | 11.11% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% |
* Industrials Sector Average
EFX
Equifax
177.12
-60.94
-25.60%
VRSK
Verisk Analytics
192.80
-69.79
-26.58%
TRU
TransUnion
81.72
-8.62
-9.54%
Equifax Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Equifax Issues $1 Billion in New Senior Notes
Positive
Jul 29, 2026
On July 22, 2026, Equifax Inc. entered into an underwriting agreement to issue and sell $1 billion of senior notes, split evenly between $500 million of 5.000% notes due 2029 and $500 million of 5.650% notes due 2033, under an indenture dated July...
Business Operations and Strategy
Equifax Updates Bylaws on Shareholder Special Meeting Rights
Neutral
Jun 16, 2026
On June 16, 2026, Equifax Inc. amended its Amended and Restated Bylaws to change how shareholders can request a special meeting, effective immediately. The new provisions allow the company’s Secretary to call a special meeting upon the prope...
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...
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.