EQUIFAX INC (EFX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:EFX - US2944291051 - Common Stock
188 EUR
+3 (+1.62%)
We assign a fundamental rating of 4 out of 10 to EFX. 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.
1. Profitability
1.1 Basic Checks
EFX had positive earnings in the past year.
EFX had a positive operating cash flow in the past year.
In the past 5 years EFX has always been profitable.
In the past 5 years EFX always reported a positive cash flow from operatings.
1.2 Ratios
EFX's Return On Assets of 5.57% is fine compared to the rest of the industry. EFX outperforms 61.76% of its industry peers.
EFX has a better Return On Equity (13.34%) than 61.76% of its industry peers.
EFX has a Return On Invested Capital of 9.15%. This is in the better half of the industry: EFX outperforms 67.65% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EFX is below the industry average of 11.10%.
The 3 year average ROIC (8.03%) for EFX is below the current ROIC(9.15%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
EFX has a Profit Margin of 11.08%. This is in the better half of the industry: EFX outperforms 76.47% 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.
EFX's Operating Margin has declined in the last couple of years.
EFX has a Gross Margin of 56.26%. This is comparable to the rest of the industry: EFX outperforms 47.06% 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 Rank | Sector 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%
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.
Compared to 1 year ago, EFX has more shares outstanding
EFX has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, EFX has an improved debt to assets ratio.
2.2 Solvency
EFX has an Altman-Z score of 3.89. This indicates that EFX is financially healthy and has little risk of bankruptcy at the moment.
EFX has a better Altman-Z score (3.89) than 88.24% of its industry peers.
The Debt to FCF ratio of EFX is 4.82, which is a neutral value as it means it would take EFX, 4.82 years of fcf income to pay off all of its debts.
EFX has a Debt to FCF ratio of 4.82. This is comparable to the rest of the industry: EFX outperforms 55.88% of its industry peers.
A Debt/Equity ratio of 0.84 indicates that EFX is somewhat dependend on debt financing.
The Debt to Equity ratio of EFX (0.84) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.84 | ||
| Debt/FCF | 4.82 | ||
| Altman-Z | 3.89 |
ROIC/WACC1.19
WACC7.7%
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.
The Current ratio of EFX (0.74) is worse than 67.65% of its industry peers.
A Quick Ratio of 0.74 indicates that EFX may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.74, EFX is doing worse than 67.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.74 | ||
| Quick Ratio | 0.74 |
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.
EFX shows a small growth in Revenue. In the last year, the Revenue has grown by 6.35%.
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
The Earnings Per Share is expected to grow by 16.93% on average over the next years. This is quite good.
The Revenue is expected to grow by 8.68% on average over the next years. This is quite good.
EPS Next Y5.46%
EPS Next 2Y10.6%
EPS Next 3Y14.02%
EPS Next 5Y16.93%
Revenue Next Year6.15%
Revenue Next 2Y7.15%
Revenue Next 3Y8.12%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 28.83, which means the current valuation is very expensive for EFX.
EFX's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of EFX to the average of the S&P500 Index (26.59), we can say EFX is valued inline with the index average.
A Price/Forward Earnings ratio of 24.85 indicates a rather expensive valuation of EFX.
Based on the Price/Forward Earnings ratio, EFX is valued a bit more expensive than 67.65% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of EFX to the average of the S&P500 Index (24.03), we can say EFX is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.83 | ||
| Fwd PE | 24.85 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as EFX.
64.71% of the companies in the same industry are cheaper than EFX, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 27.14 | ||
| EV/EBITDA | 16.57 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates EFX does not grow enough to justify the current Price/Earnings ratio.
EFX has a very decent profitability rating, which may justify a higher PE ratio.
EFX's earnings are expected to grow with 14.02% in the coming years. This may justify a more expensive valuation.
PEG (NY)5.28
PEG (5Y)5.36
EPS Next 2Y10.6%
EPS Next 3Y14.02%
5. Dividend
5.1 Amount
EFX has a yearly dividend return of 0.91%, which is pretty low.
EFX's Dividend Yield is slightly below the industry average, which is at 2.41.
With a Dividend Yield of 0.91, EFX pays less dividend than the S&P500 average, which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
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
5.3 Sustainability
33.46% of the earnings are spent on dividend by EFX. This is a low number and sustainable payout ratio.
The dividend of EFX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.46%
EPS Next 2Y10.6%
EPS Next 3Y14.02%
FRA:EFX (12/22/2025, 7:00:00 PM)
188
+3 (+1.62%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)
Earnings (Next)
Inst Owners100.76%
Inst Owner ChangeN/A
Ins Owners0.48%
Ins Owner ChangeN/A
Market Cap23.01B
Revenue(TTM)5.94B
Net Income(TTM)658.60M
Analysts77.33
Price Target235.55 (25.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
Yearly Dividend1.33
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.83 | ||
| Fwd PE | 24.85 | ||
| P/S | 4.56 | ||
| P/FCF | 27.14 | ||
| P/OCF | 18.45 | ||
| P/B | 5.49 | ||
| P/tB | N/A | ||
| EV/EBITDA | 16.57 |
EPS(TTM)6.52
EY3.47%
EPS(NY)7.56
Fwd EY4.02%
FCF(TTM)6.93
FCFY3.68%
OCF(TTM)10.19
OCFY5.42%
SpS41.2
BVpS34.23
TBVpS-22.11
PEG (NY)5.28
PEG (5Y)5.36
Graham Number70.87
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3.89 |
F-Score8
WACC7.7%
ROIC/WACC1.19
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 Y5.46%
EPS Next 2Y10.6%
EPS Next 3Y14.02%
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 2Y7.15%
Revenue Next 3Y8.12%
Revenue Next 5Y8.68%
EBIT growth 1Y17.7%
EBIT growth 3Y-1.67%
EBIT growth 5YN/A
EBIT Next Year48.85%
EBIT Next 3Y23.87%
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 4 / 10 to EFX.DE.
Can you provide the valuation status for EQUIFAX INC?
ChartMill assigns a valuation rating of 2 / 10 to EQUIFAX INC (EFX.DE). This can be considered as Overvalued.
How profitable is EQUIFAX INC (EFX.DE) stock?
EQUIFAX INC (EFX.DE) has a profitability rating of 6 / 10.
Can you provide the financial health for EFX stock?
The financial health rating of EQUIFAX INC (EFX.DE) is 3 / 10.
Is the dividend of EQUIFAX INC sustainable?
The dividend rating of EQUIFAX INC (EFX.DE) is 3 / 10 and the dividend payout ratio is 33.46%.