Industrials · Research & Consulting Services · US stock · price as of 16 Oct 2026
Key indicators
Price
$161.25
52-week range
$137.01 – $236.24
Market cap
$19.2B
P/E (trailing)
28.5×
EV / EBITDA
12.9×
Free-cash-flow yield
5.7%
Dividend yield
1.4%
Revenue (last 12 months)
$6.4B
Revenue growth (3y a year)
5.8%
Operating margin
17.9%
Return on invested capital
8.8%
Net debt / EBITDA
2.8×
Fair value
Blended fair value$151.74 range $144 – $161
Versus priceFair−6% to fair value
Peer multiples
$165.68
Fundamentals-adjusted multiple
$172.36
10-year DCF (market-scaled)
$117.19
Earnings power value (floor, not blended)
$51.05
Model uncertainty
Medium
X-Ray Score
51/ 100 · High confidence · ahead of 49% of sector peers
Valuation58
Growth65
Profitability48
Financial health25
Dividends61
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
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%.
StocksXray gives Equifax Inc an X-Ray Score of 51 out of 100 (high confidence), ahead of 49% of the S&P 500 stocks in its sector. Its strongest lens is growth (65) and its weakest is financial health (25).
Our fair value blend is $151.74 (range $143.69 to $160.64). At $161.25 the stock trades 6% above that blend, so the label is "Fair" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Equifax Inc (EFX)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$281.78
$188.53
$241.67
$250.55
$215.03
$161.25
Market cap
$34.8B
$23.2B
$29.9B
$31.3B
$26.7B
$19.2B
P/E
46.8×
33.4×
54.9×
51.8×
40.4×
28.5×
EV / revenue
8.1×
5.6×
6.7×
6.4×
5.2×
3.8×
EV / EBITDA
24.5×
17.7×
22.8×
21.0×
17.4×
13.0×
Price / free cash flow
40.2×
175.3×
58.1×
38.5×
23.5×
17.4×
Free-cash-flow yield
2.5%
0.6%
1.7%
2.6%
4.3%
5.7%
Price / book
9.7×
5.9×
6.6×
6.5×
5.8×
4.4×
Dividend yield
0.55%
0.83%
0.65%
0.62%
0.88%
1.35%
Fundamentals checklist ● 4 Good · ● 6 Average · ● 5 Bad · each check graded against the sector
Cash quality
Earnings backed by cash−7.7%Good
Free-cash-flow yield5.7%Good
Risk models
Altman Z score2.5×Average
Piotroski F-Score6 of 9Average
Growth
EPS growth (3y)−2.0%Bad
Free-cash-flow growth (3y)104.5%Good
Revenue growth (3y)5.8%Average
Growth consistency100%Good
Balance sheet
Current ratio0.6×Bad
Net debt / EBITDA2.8×Bad
Interest cover5.2×Bad
Valuation
Fair value vs price0.9×Average
EBIT / EV yield4.7%Average
Profitability
Return on invested capital8.8%Bad
Operating margin17.9%Average
XStocksXray
Equifax Inc (EFX)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
4,924
5,122
5,265
5,681
6,075
6,445
Gross profit
–
–
–
–
–
–
Operating income
1,138
1,056
934
1,042
1,095
1,150
Net income
744
696
545
604
660
691
Diluted EPS ($)
6.02
5.65
4.40
4.84
5.32
5.66
Free cash flow
866
133
516
813
1,134
1,105
Gross margin
–
–
–
–
–
–
Operating margin
23.1%
20.6%
17.7%
18.3%
18.0%
17.9%
Net margin
15.1%
13.6%
10.4%
10.6%
10.9%
10.7%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
11,041
11,548
12,280
11,759
11,864
11,982
Cash
225
285
217
170
181
170
Total debt
5,295
5,787
5,711
5,011
5,093
5,467
Equity
3,584
3,957
4,534
4,797
4,604
4,380
Dividend per share ($)
1.56
1.56
1.56
1.56
1.89
2.12
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value blends three models and carries a typical error of about 40%, so treat it as a range. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.