Equifax Inc (EFX)
Fair ValueFundamental
65
Price
$139.94
Market Cap
$17.13B
Part 1 · What the company is worth
Overview
Equifax Inc. operates as a data, analytics, and technology company. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment offers services that enables customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure, and sanctions of people in the United States; and employer customers with services that that assist them in complying with and automating certain payroll-related and human resource management processes throughout the entire cycle of the employment relationship. The U.S. Information Solutions segment provides consumer and commercial information services, such as credit information and credit scoring, credit modeling and portfolio analytics, locate, fraud detection and prevention, identity verification, and other consulting services; mortgage services; financial marketing services; identity management services; and credit monitoring products. The International segment offers information service products, which include consumer and commercial services comprising credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as information, technology, and services to support debt collections and recovery management. The company also provides information solutions for businesses, governments and consumers; and human resources business process automation and outsourcing services for employers. It operates in Argentina, Australia, Brazil, Canada, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, India, Ireland, Mexico, New Zealand, Paraguay, Peru, Portugal, Spain, the United Kingdom, Uruguay, and the United States. The company was founded in 1899 and is headquartered in Atlanta, Georgia.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on September 18, 2026 with claude-haiku-4-5 — shared with all users
The third US consumer credit bureau: its reports sit next to Equifax's in the tri-merge file that mortgage lenders pull, and it sells the same risk, identity and fraud products to banks and insurers.
Competes with Equifax for the budget lenders spend on credit scoring, decisioning and fraud-analytics software, and reaches consumers directly with subscription credit monitoring.
One of the three US consumer credit bureaus alongside Equifax and TransUnion, selling credit reports, scores, fraud and marketing data to the same lenders, and competing directly in employment and income verification.
Sells commercial credit reports and business risk data to the same corporate customers as Equifax's commercial solutions unit; taken private by Clearlake Capital in August 2025, so it no longer has a listed share.
A private US company that sells income and employment verifications to mortgage lenders and employers, the market Equifax's The Work Number dominates.
Balance Sheet & Liquidity
Revenue
$6.44B
Trailing 12 months (through 6/30/2026)
Net Income
$691M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$1.13B
Total Equity
$4.60B
Total Liabilities
$7.13B
Current Ratio
0.60
Interest Coverage
5.19
Debt/EBITDA
3.00
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$138.01
Current Price
$139.94
Margin of Safety
-1.4%
Fair Value Range
$89.71 - $186.32
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
24.12
ROE
14.3%
P/B Ratio
3.68
P/FCF
14.59
Gross Margin
-
ROIC
9.7%
Profitability Radar
Value Creation (Economic Moat)
ROIC
9.7%
WACC
9.6%
ROIC − WACC
+0.1 pp
ROIC is roughly in line with the cost of capital — the company is barely covering its capital cost.
Fundamental Analysis Criteria
Passed (17)
- EPS shows upward trend
- EPS CAGR 5.65%
- ROIC 9.7%
- P/FCF 14.59
- Debt/Equity ratio
- Operating Margin 17.9%
- Positive Free Cash Flow
- Interest Coverage
- Debt/EBITDA
- Return on Tangible Assets
- ROE 15.0%
- Revenue Growth 5Y 8.0%
- Analyst Consensus 70% Buy
- Earnings Surprise avg 3.7%
- Earnings Quality (OCF/NI) 2.33
- Share Dilution -0.6%
- Piotroski F-Score 6/9
Failed (9)
- Price CAGR 3.64%
- P/B Ratio 3.68
- CapEx intensity
- Current Ratio
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Overvalued)
- PEG Ratio 5.35
- Net Margin Trend 10.7% vs 11.0%
Unavailable (2)
- Gross Margin NaN%
- Dividend Payout NaN%
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Mark W. Begor | CEO & Director | 67 |
| Mr. John W. Gamble Jr. | Executive VP, CFO & COO | 62 |
| Mr. Jamil Farshchi | Executive VP & CTO | 47 |
| Ms. Julia A. Houston | Executive VP & Chief Legal Officer | 54 |
| Mr. Chad M. Borton | Executive VP & President of Workforce Solutions | 54 |
| Mr. James M. Griggs | Chief Accounting Officer & Corporate Controller | - |
| Mr. Trevor Burns | Senior Vice President of Corporate Investor Relations | - |
| Ms. Kathryn Q. Walker | Executive VP and Chief Marketing & Communications Officer | 47 |
| Mr. Sunil Bindal | Executive VP & Chief Corporate Development and Strategy Officer | 50 |
| Ms. Carla J. Chaney | Executive VP & Chief Human Resources Officer | 55 |
Audit Risk
1
Board Risk
4
Compensation Risk
8
Shareholder Rights Risk
8
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-19
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-07-21
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-07-29
via SEC EDGAR
Income History
via SEC EDGAR
Latest News
Recent headlines for EFX, sourced from Markets Gazette.
- 4/21/2026NEUTRALEquifax Q1 2026 Earnings Call: Complete Transcript
Equifax Inc. will host its Q1 2026 Earnings Call on April 21, 2026, at 2:29 PM UTC. The company will discuss its financial performance and strategic initiatives for the first quarter. While the earnings call itself is an informational event, the actual financial results and forward-looking statements made during the call will determine the market's reaction. Investors will be scrutinizing revenue growth, profitability metrics, and any guidance provided for the upcoming quarters to assess the company's trajectory.
- 4/21/2026POSITIVEEquifax Posts Fastest Revenue Growth Since 2021 on Mortgages
Equifax Inc. announced its strongest revenue growth since 2021, propelled by a significant increase in mortgage application volumes. This surge indicates a robust recovery and expansion in the housing market, directly benefiting Equifax's data and analytics services. The company's performance suggests a positive outlook for its core business segments and highlights its ability to capitalize on market upturns. Investors will likely view this acceleration as a sign of underlying business strength and potential for continued earnings growth.
via Markets Gazette