Equifax Inc (EFX)
Industrials · Research & Consulting Services · US stock · S&P 500 component
$161.25
▼ -0.01 (0.01%)
Fair valueFair
$152 −5.9% to fair value
$76fair band $106–$197$228
Day's range
$159.40 – $164.33
52-week range
$137.01 – $236.24
About Equifax Inc
Equifax is a credit reporting and data analytics company. It collects and organises information on consumers and businesses, and it sells credit reports, scores, identity verification, fraud prevention and employment and income verification services to lenders, employers and government agencies. Revenue comes from data and analytics fees, often tied to transaction volumes such as loan applications, so activity in mortgage and consumer credit markets matters.
Trailing twelve-month revenue stands at $6.4 billion, while revenue grew by 5.8% a year over the past three years. Return on invested capital is 9%, alongside an operating margin of 17.9%. Net debt is 2.8 times EBITDA. The company pays a dividend, and the yield is 1.4%. On the X-Ray Score, it is rated 50 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $137.01 – $236.24Volume 2,351,800Daily, split-adjusted
Vitals
Market cap$19.2B
52-week range$137.01 – $236.24
Volume (last day)2,351,800
P/E (TTM)28.5
EBIT / EV yield4.7%
Free-cash-flow yield5.7%
Dividend yield1.4%
Revenue (TTM)$6.4B
Net income (TTM)$691M
Operating margin17.9%
Return on capital8.8%
Debt incl. leases$5.5B
Cash & securities$170M
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$152model spread $144 – $161
Fair
−5.9% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.
Price $161
Undervalued < $106Fair $106 – $197Overvalued > $197
10-year DCF (market-scaled)
$117
Peer multiples
$166
Earnings power floor (not blended)
$51
Fundamentals-adjusted multiple
$172
Growth the price implies
15.5%/yr
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Industrials peers. Open a lens to see the numbers behind it.
Valuation
Fair
58/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield4.7%
Free-cash-flow yield5.7%
Fair value vs price0.9×
Growth
Fair
65/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)5.8%
EPS growth (3y)-2.0%
Growth consistency100%
Profitability
Weak
48/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital8.8%
Operating margin17.9%
Financial health
Weak
25/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score6 / 9
Net debt / EBITDA2.8×
Interest cover5.2×
Dividends
Fair
61/100
Dividend is typical for its sector.
See the numbers →
Dividend yield1.4%
Dividends vs free cash flow24%
Dividend growth6.8%
Quarterly results: last 6 quarters
+3.8%
Mar '25
+7.4%
Jun '25
+7.2%
Sep '25
+9.2%
Dec '25
+14.3%
Mar '26
+10.6%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $1.7B, diluted EPS $1.54.
Compare with peers
VRSK Verisk Analytics, Inc.59Other Research & Consulting Services companies by X-Ray Score.
Fundamentals checklist
● 4 Good · ● 6 Average · ● 5 BadCash quality
Earnings backed by cashGood
Free-cash-flow yieldGood
Risk models
Altman Z''Average
Piotroski F-ScoreAverage
Growth
EPS growth (3y)Bad
Free-cash-flow growth (3y)Good
Revenue growth (3y)Average
Growth consistencyGood
Balance sheet
Current ratioBad
Net debt / EBITDABad
Interest coverBad
Valuation
Fair value vs priceAverage
EBIT / EV yieldAverage
Profitability
Return on invested capitalBad
Operating marginAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 49/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $4.9B | $5.1B | $5.3B | $5.7B | $6.1B |
| Operating income | $1.1B | $1.1B | $934M | $1.0B | $1.1B |
| Net income | $744M | $696M | $545M | $604M | $660M |
| Operating cash flow | $1.3B | $757M | $1.1B | $1.3B | $1.6B |
| Operating margin | 23.1% | 20.6% | 17.7% | 18.3% | 18.0% |
| Free cash flow | $866M | $133M | $516M | $813M | $1.1B |
| Diluted EPS | $6.02 | $5.65 | $4.40 | $4.84 | $5.32 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bearish
6 bullish · 1 neutral · 9 bearish
Weekly
Strongly bearish
1 bullish · 1 neutral · 10 bearish
Monthly
Strongly bearish
0 bullish · 1 neutral · 7 bearish
Moving averages (daily)
| SMA 10 | 148.8 | Bullish |
| EMA 10 | 151.7 | Bullish |
| SMA 20 | 148.1 | Bullish |
| EMA 20 | 152.5 | Bullish |
| SMA 50 | 167.4 | Bearish |
| EMA 50 | 160.7 | Bullish |
| SMA 100 | 167.8 | Bearish |
| EMA 100 | 167.6 | Bearish |
| SMA 200 | 178.1 | Bearish |
| EMA 200 | 179.8 | Bearish |
Oscillators (daily)
| RSI (14) | 59.36 | Neutral |
| MACD (12, 26) | -3.13 | Bearish |
| Momentum (12) | 17.49 | Bullish |
| Stochastic %K (14) | 88.73 | Bearish |
| Williams %R (14) | -11.27 | Bearish |
| CCI (20) | 149.6 | Bearish |
Pivot points (classic, last session)
S3 154.1 | S2 156.7 | S1 159.0 | Pivot 161.7 | R1 163.9 | R2 166.6 | R3 168.9 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
2.18 USD
Yield on today's price
1.35%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 31 Aug 2026 | 0.5600 |
| 22 May 2026 | 0.5600 |
| 9 Mar 2026 | 0.5600 |
| 24 Nov 2025 | 0.5000 |
| 2 Sep 2025 | 0.5000 |
| 23 May 2025 | 0.5000 |
| 21 Feb 2025 | 0.3900 |
| 22 Nov 2024 | 0.3900 |
| 3 Sep 2024 | 0.3900 |
| 23 May 2024 | 0.3900 |
| 22 Feb 2024 | 0.3900 |
| 22 Nov 2023 | 0.3900 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
EFX SEC filings
29 Jul 2026
8-KSEC EDGAR
Other events
21 Jul 2026
10-QSEC EDGAR
Quarterly report
21 Jul 2026
8-KSEC EDGAR
Results of operations
16 Jun 2026
8-KSEC EDGAR
Current report
13 May 2026
8-KSEC EDGAR
Shareholder vote results
24 Apr 2026
8-KSEC EDGAR
Entered a material agreement
21 Apr 2026
10-QSEC EDGAR
Quarterly report
21 Apr 2026
8-KSEC EDGAR
Results of operations
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.