EQUIFAX INC (EFX.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:EFX • US2944291051

160 EUR
-5 (-3.03%)
Last: Feb 5, 2026, 07:00 PM
Fundamental Rating

5

Taking everything into account, EFX scores 5 out of 10 in our fundamental rating. EFX was compared to 34 industry peers in the Professional Services industry. While EFX is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, EFX is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year EFX was profitable.
  • EFX had a positive operating cash flow in the past year.
  • In the past 5 years EFX has always been profitable.
  • Each year in the past 5 years EFX had a positive operating cash flow.
EFX.DE Yearly Net Income VS EBIT VS OCF VS FCFEFX.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

1.2 Ratios

  • EFX has a better Return On Assets (5.57%) than 70.59% of its industry peers.
  • The Return On Equity of EFX (13.34%) is better than 64.71% of its industry peers.
  • EFX has a better Return On Invested Capital (9.15%) than 67.65% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for EFX is below the industry average of 11.75%.
  • The last Return On Invested Capital (9.15%) for EFX is above the 3 year average (8.03%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5.57%
ROE 13.34%
ROIC 9.15%
ROA(3y)5.2%
ROA(5y)5.55%
ROE(3y)14.07%
ROE(5y)15.88%
ROIC(3y)8.03%
ROIC(5y)8.32%
EFX.DE Yearly ROA, ROE, ROICEFX.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

1.3 Margins

  • The Profit Margin of EFX (11.08%) is better than 79.41% of its industry peers.
  • In the last couple of years the Profit Margin of EFX has declined.
  • With an excellent Operating Margin value of 20.14%, EFX belongs to the best of the industry, outperforming 82.35% of the companies in the same industry.
  • In the last couple of years the Operating Margin of EFX has declined.
  • EFX's Gross Margin of 56.26% is in line compared to the rest of the industry. EFX outperforms 50.00% of its industry peers.
  • In the last couple of years the Gross Margin of EFX has remained more or less at the same level.
Industry RankSector Rank
OM 20.14%
PM (TTM) 11.08%
GM 56.26%
OM growth 3Y-6.25%
OM growth 5YN/A
PM growth 3Y-11.06%
PM growth 5YN/A
GM growth 3Y-2.34%
GM growth 5Y-0.34%
EFX.DE Yearly Profit, Operating, Gross MarginsEFX.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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3

2. Health

2.1 Basic Checks

  • EFX has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • The number of shares outstanding for EFX has been increased compared to 1 year ago.
  • Compared to 5 years ago, EFX has more shares outstanding
  • EFX has a better debt/assets ratio than last year.
EFX.DE Yearly Shares OutstandingEFX.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
EFX.DE Yearly Total Debt VS Total AssetsEFX.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • EFX has an Altman-Z score of 3.54. This indicates that EFX is financially healthy and has little risk of bankruptcy at the moment.
  • With an excellent Altman-Z score value of 3.54, EFX belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
  • EFX has a debt to FCF ratio of 4.82. This is a neutral value as EFX would need 4.82 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 4.82, EFX perfoms like the industry average, outperforming 58.82% of the companies in the same industry.
  • EFX has a Debt/Equity ratio of 0.84. This is a neutral value indicating EFX is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.84, EFX is in line with its industry, outperforming 47.06% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.84
Debt/FCF 4.82
Altman-Z 3.54
ROIC/WACC1.2
WACC7.6%
EFX.DE Yearly LT Debt VS Equity VS FCFEFX.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

2.3 Liquidity

  • EFX has a Current Ratio of 0.74. This is a bad value and indicates that EFX is not financially healthy enough and could expect problems in meeting its short term obligations.
  • EFX's Current ratio of 0.74 is on the low side compared to the rest of the industry. EFX is outperformed by 64.71% of its industry peers.
  • EFX has a Quick Ratio of 0.74. This is a bad value and indicates that EFX is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Quick ratio value of 0.74, EFX is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.74
Quick Ratio 0.74
EFX.DE Yearly Current Assets VS Current LiabilitesEFX.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • EFX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.17%, which is quite good.
  • EFX shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.38% yearly.
  • Looking at the last year, EFX shows a small growth in Revenue. The Revenue has grown by 6.35% in the last year.
  • Measured over the past years, EFX shows a quite strong growth in Revenue. The Revenue has been growing by 10.12% on average per year.
EPS 1Y (TTM)10.17%
EPS 3Y-1.55%
EPS 5Y5.38%
EPS Q2Q%10.27%
Revenue 1Y (TTM)6.35%
Revenue growth 3Y4.88%
Revenue growth 5Y10.12%
Sales Q2Q%7.15%

3.2 Future

  • Based on estimates for the next years, EFX will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.93% on average per year.
  • EFX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.68% yearly.
EPS Next Y5.45%
EPS Next 2Y10.19%
EPS Next 3Y13.75%
EPS Next 5Y16.93%
Revenue Next Year6.15%
Revenue Next 2Y7.4%
Revenue Next 3Y8.27%
Revenue Next 5Y8.68%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
EFX.DE Yearly Revenue VS EstimatesEFX.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B
EFX.DE Yearly EPS VS EstimatesEFX.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15

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3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 24.54, the valuation of EFX can be described as rather expensive.
  • The rest of the industry has a similar Price/Earnings ratio as EFX.
  • Compared to an average S&P500 Price/Earnings ratio of 27.92, EFX is valued at the same level.
  • Based on the Price/Forward Earnings ratio of 21.33, the valuation of EFX can be described as rather expensive.
  • EFX's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. EFX is more expensive than 64.71% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of EFX to the average of the S&P500 Index (27.78), we can say EFX is valued slightly cheaper.
Industry RankSector Rank
PE 24.54
Fwd PE 21.33
EFX.DE Price Earnings VS Forward Price EarningsEFX.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as EFX.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as EFX.
Industry RankSector Rank
P/FCF 23.12
EV/EBITDA 14.46
EFX.DE Per share dataEFX.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • EFX has a very decent profitability rating, which may justify a higher PE ratio.
  • EFX's earnings are expected to grow with 13.75% in the coming years. This may justify a more expensive valuation.
PEG (NY)4.5
PEG (5Y)4.56
EPS Next 2Y10.19%
EPS Next 3Y13.75%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • EFX has a yearly dividend return of 0.98%, which is pretty low.
  • EFX's Dividend Yield is comparable with the industry average which is at 2.44.
  • Compared to an average S&P500 Dividend Yield of 1.83, EFX's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.98%

5.2 History

  • The dividend of EFX has a limited annual growth rate of 0.02%.
Dividend Growth(5Y)0.02%
Div Incr YearsN/A
Div Non Decr YearsN/A
EFX.DE Yearly Dividends per shareEFX.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2025 0.5 1 1.5

5.3 Sustainability

  • EFX pays out 33.46% of its income as dividend. This is a sustainable payout ratio.
  • EFX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.46%
EPS Next 2Y10.19%
EPS Next 3Y13.75%
EFX.DE Yearly Income VS Free CF VS DividendEFX.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M 800M
EFX.DE Dividend Payout.EFX.DE Dividend Payout, showing the Payout Ratio.EFX.DE Dividend Payout.PayoutRetained Earnings

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EQUIFAX INC

FRA:EFX (2/5/2026, 7:00:00 PM)

160

-5 (-3.03%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)10-21
Earnings (Next)02-04
Inst Owners100.55%
Inst Owner ChangeN/A
Ins Owners0.48%
Ins Owner ChangeN/A
Market Cap19.58B
Revenue(TTM)5.94B
Net Income(TTM)658.60M
Analysts77.93
Price Target235.55 (47.22%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.98%
Yearly Dividend1.31
Dividend Growth(5Y)0.02%
DP33.46%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.84%
Min EPS beat(2)3.21%
Max EPS beat(2)4.48%
EPS beat(4)4
Avg EPS beat(4)3.91%
Min EPS beat(4)0.03%
Max EPS beat(4)7.93%
EPS beat(8)7
Avg EPS beat(8)3.24%
EPS beat(12)10
Avg EPS beat(12)2.53%
EPS beat(16)14
Avg EPS beat(16)2.65%
Revenue beat(2)2
Avg Revenue beat(2)0.62%
Min Revenue beat(2)0.58%
Max Revenue beat(2)0.65%
Revenue beat(4)3
Avg Revenue beat(4)-0.09%
Min Revenue beat(4)-2.38%
Max Revenue beat(4)0.77%
Revenue beat(8)4
Avg Revenue beat(8)-0.46%
Revenue beat(12)6
Avg Revenue beat(12)-0.51%
Revenue beat(16)8
Avg Revenue beat(16)-0.31%
PT rev (1m)0%
PT rev (3m)N/A
EPS NQ rev (1m)0.2%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 24.54
Fwd PE 21.33
P/S 3.89
P/FCF 23.12
P/OCF 15.72
P/B 4.68
P/tB N/A
EV/EBITDA 14.46
EPS(TTM)6.52
EY4.08%
EPS(NY)7.5
Fwd EY4.69%
FCF(TTM)6.92
FCFY4.33%
OCF(TTM)10.18
OCFY6.36%
SpS41.16
BVpS34.2
TBVpS-22.09
PEG (NY)4.5
PEG (5Y)4.56
Graham Number70.83
Profitability
Industry RankSector Rank
ROA 5.57%
ROE 13.34%
ROCE 12.15%
ROIC 9.15%
ROICexc 9.32%
ROICexgc 56.32%
OM 20.14%
PM (TTM) 11.08%
GM 56.26%
FCFM 16.82%
ROA(3y)5.2%
ROA(5y)5.55%
ROE(3y)14.07%
ROE(5y)15.88%
ROIC(3y)8.03%
ROIC(5y)8.32%
ROICexc(3y)8.22%
ROICexc(5y)8.95%
ROICexgc(3y)65.32%
ROICexgc(5y)N/A
ROCE(3y)10.58%
ROCE(5y)10.96%
ROICexgc growth 3Y-45.57%
ROICexgc growth 5YN/A
ROICexc growth 3Y-6.06%
ROICexc growth 5YN/A
OM growth 3Y-6.25%
OM growth 5YN/A
PM growth 3Y-11.06%
PM growth 5YN/A
GM growth 3Y-2.34%
GM growth 5Y-0.34%
F-Score8
Asset Turnover0.5
Health
Industry RankSector Rank
Debt/Equity 0.84
Debt/FCF 4.82
Debt/EBITDA 2.16
Cap/Depr 65.82%
Cap/Sales 7.91%
Interest Coverage 250
Cash Conversion 76.89%
Profit Quality 151.75%
Current Ratio 0.74
Quick Ratio 0.74
Altman-Z 3.54
F-Score8
WACC7.6%
ROIC/WACC1.2
Cap/Depr(3y)94%
Cap/Depr(5y)96.66%
Cap/Sales(3y)10.87%
Cap/Sales(5y)10.47%
Profit Quality(3y)82.72%
Profit Quality(5y)93.08%
High Growth Momentum
Growth
EPS 1Y (TTM)10.17%
EPS 3Y-1.55%
EPS 5Y5.38%
EPS Q2Q%10.27%
EPS Next Y5.45%
EPS Next 2Y10.19%
EPS Next 3Y13.75%
EPS Next 5Y16.93%
Revenue 1Y (TTM)6.35%
Revenue growth 3Y4.88%
Revenue growth 5Y10.12%
Sales Q2Q%7.15%
Revenue Next Year6.15%
Revenue Next 2Y7.4%
Revenue Next 3Y8.27%
Revenue Next 5Y8.68%
EBIT growth 1Y17.7%
EBIT growth 3Y-1.67%
EBIT growth 5YN/A
EBIT Next Year50.08%
EBIT Next 3Y23.9%
EBIT Next 5Y19.71%
FCF growth 1Y96.58%
FCF growth 3Y-2.08%
FCF growth 5YN/A
OCF growth 1Y31.21%
OCF growth 3Y-0.26%
OCF growth 5Y33.38%

EQUIFAX INC / EFX.DE FAQ

What is the fundamental rating for EFX stock?

ChartMill assigns a fundamental rating of 5 / 10 to EFX.DE.


What is the valuation status of EQUIFAX INC (EFX.DE) stock?

ChartMill assigns a valuation rating of 3 / 10 to EQUIFAX INC (EFX.DE). This can be considered as Overvalued.


What is the profitability of EFX stock?

EQUIFAX INC (EFX.DE) has a profitability rating of 6 / 10.


What is the valuation of EQUIFAX INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for EQUIFAX INC (EFX.DE) is 24.54 and the Price/Book (PB) ratio is 4.68.


Can you provide the expected EPS growth for EFX stock?

The Earnings per Share (EPS) of EQUIFAX INC (EFX.DE) is expected to grow by 5.45% in the next year.