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Equifax (EFX) AI Stock Analysis

MX:EFX

Equifax

(BMV:EFX)

Rating:―N/A
Action:N/A
Date:―

No summary available

Positive Factors
Proprietary Data and Recurring DemandEquifax’s proprietary credit, employment, commercial and identity data are embedded in recurring lender, employer and government workflows. That repeat usage and the ability to monetize reports, analytics and software create a durable revenue base across several customer groups.
Negative Factors
Structural Mortgage ExposureMortgage transaction weakness creates a material headwind for Equifax because revenue depends partly on credit activity tied to home originations. The expected 2027 decline extends beyond a single quarter, while possible tri-merge to bi-merge changes could add further revenue and margin pressure.

Equifax (EFX) vs. SPDR S&P 500 ETF (SPY)

-40%-30%-20%-10%0%10%20%MX:EFX-23.89%SPY+13.13%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
Market Cap
MXN 21.69B
Dividend Yield
1.26%
Average Volume (3M)
284
Price to Earnings (P/E)
29.6
Beta (1Y)
0.35
Revenue Growth
-0.53%
EPS Growth
5.10%
Country
Mexico
Employees
15,000
Sector
Industrials
Sector Strength
63
Industry
Consulting Services

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 organizations,...

Equifax Earnings Call Summary

Earnings Call Date:Oct 19, 2026(Q3-2026)|% Change Since:0.00%|Next Earnings Date:Feb 09, 2027
Earnings Call SentimentPositive

The call was broadly positive. Equifax exceeded third-quarter revenue and EPS guidance, expanded EBITDA margins, raised full-year margin guidance, delivered strong growth in diversified markets, government, talent, consumer lending, international operations, and AI-enabled products, and maintained strong free cash flow and shareholder-return plans. The principal negative was a significantly weaker U.S. mortgage market, which reduced current and expected mortgage revenue and is expected to pressure 2027 transaction volumes. Additional challenges included lower Employer Services revenue, some slowing in hiring, financial institution, and auto volumes, and inflation pressure on lower-income consumers. Highlights significantly outweighed the lowlights.

Positive Updates

Solid Third-Quarter Revenue and EPS Performance
Equifax delivered diversified markets revenue growth of over 8%, exceeding its mid-single-digit guidance, with broad-based performance across all three business units. Reported revenue was $1.693 billion, up 10% on a reported basis and 9% in constant currency. EPS grew 11% to $2.26 per share, above the high end of guidance.

Negative Updates

Significant Weakness in the U.S. Mortgage Market
Thirty-year fixed mortgage rates increased approximately 75 basis points since July, reaching about 7.5% compared with 6.6% when July guidance was provided. The resulting decline in mortgage transaction volumes reduced third-quarter U.S. mortgage revenue by approximately $20 million versus guidance and caused total revenue to be slightly below the midpoint of the July guidance range.

Company Guidance

For 2026, Equifax expects committed diversified markets revenue growth of high single digit percent year-to-year, total revenue of $6.661 billion at the midpoint, adjusted EBITDA of $2.125 billion at the midpoint, adjusted EPS of $8.50 per share, EBITDA margin ex FICO mortgage royalty up 100 basis points versus 2025, over $1 billion of free cash flow, cash flow conversion of at least 100%, and $1.5 billion in capital available; EWS revenue growth is expected to be up mid-single-digit percent, with diversified markets revenue up high single digits and Verifier diversified revenue up low double digits, while USIS revenue is expected to grow mid teens percentage at the very bottom end of the range, with mid single digit diversified markets revenue growth and EBITDA margins ex FICO mortgage royalties over 40% and up strongly. For 4Q 2026, total revenue is expected to be between $1.605 billion and $1.635 billion, diversified markets revenue up 6% to 7%, EBITDA of $529 million to $546 million, EBITDA margins ex FICO mortgage royalties up about 90 basis points, and EPS of $2.07 to $2.17 per share; U. S. Mortgage revenue is expected to be down mid single digits percent year-to-year and down mid double digit percent year-to-year excluding FICO mortgage royalty related revenue. Using current mortgage market transaction levels, 2027 mortgage market transactions are expected to be down on average high single digit percentage versus 2026, principally over the first 8 months of the year, while the long term framework calls for organic revenue growth of 7% to 10%, at least 50 basis points of margin expansion, BU revenue growth of low double digits in EWS, 6% to 8% in USIS, and 7% to 9% in international.

Equifax Risk Analysis

Equifax disclosed 29 risk factors in its most recent earnings report. Equifax reported the most risks in the "Tech & Innovation" category.

Higher RiskSector Avg.Lower RiskFinance & CorporateTech & InnovationLegal & RegulatoryProductionAbility to SellMacro & Political
Tech & Innovation - Risks related to the company’s reliance on technology and ability to make innovative products

Latest Risks Added

0 New Risks

Equifax Peers Comparison

Overall Rating

UnderperformOutperform
Sector (63)

Financial Indicators

MX:EFX against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
HURNHURN77Outperform$3.09B28.5125.53%―13.60%14.77%
BAHBAH66Neutral$10.50B13.6868.53%2.62%-6.19%-1.80%
FCNFCN64Neutral$4.98B23.0615.43%―7.77%1.87%
Sector *63Neutral$10.79B15.437.44%2.01%2.89%-14.66%
ICFIICFI62Neutral$1.71B19.658.57%0.59%-7.89%-16.13%
FORRFORR54Neutral$209.62M-4.67-35.06%―-7.68%47.26%

* Industrials Sector Average

Performance Comparison

-25%0%25%50%MX:EFXBAHFORRFCNHURNICFIDec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
MX:EFX and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
MX:EFXEquifax2971.83-932.95-23.89%
BAHBooz Allen Hamilton Holding88.495.496.62%
FORRForrester Research11.013.4345.25%
FCNFTI Consulting182.8415.469.24%
HURNHuron Consulting Group194.4329.5117.89%
ICFIIcf International95.4815.4119.25%
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.