EQUIFAX INC (EFX) Fundamental Analysis & Valuation

NYSE:EFX • US2944291051

Current stock price

180.07 USD
+2.67 (+1.51%)
At close:
180.07 USD
0 (0%)
After Hours:

This EFX fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. EFX Profitability Analysis

1.1 Basic Checks

  • EFX had positive earnings in the past year.
  • In the past year EFX had a positive cash flow from operations.
  • 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 Yearly Net Income VS EBIT VS OCF VS FCFEFX 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 2025 0 500M 1B 1.5B

1.2 Ratios

  • EFX's Return On Assets of 5.57% is fine compared to the rest of the industry. EFX outperforms 62.07% of its industry peers.
  • EFX's Return On Equity of 14.34% is fine compared to the rest of the industry. EFX outperforms 65.52% of its industry peers.
  • EFX has a Return On Invested Capital (8.30%) which is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for EFX is significantly below the industry average of 13.12%.
  • The 3 year average ROIC (7.84%) for EFX is below the current ROIC(8.30%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.57%
ROE 14.34%
ROIC 8.3%
ROA(3y)5.05%
ROA(5y)5.58%
ROE(3y)12.99%
ROE(5y)15.46%
ROIC(3y)7.84%
ROIC(5y)8.35%
EFX Yearly ROA, ROE, ROICEFX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

1.3 Margins

  • EFX has a better Profit Margin (10.87%) than 78.16% of its industry peers.
  • In the last couple of years the Profit Margin of EFX has declined.
  • EFX has a Operating Margin of 18.85%. This is amongst the best in the industry. EFX outperforms 81.61% of its industry peers.
  • In the last couple of years the Operating Margin of EFX has grown nicely.
  • The Gross Margin of EFX (56.45%) is better than 73.56% of its industry peers.
  • EFX's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 18.85%
PM (TTM) 10.87%
GM 56.45%
OM growth 3Y-3.66%
OM growth 5Y1.89%
PM growth 3Y-7.18%
PM growth 5Y-2.91%
GM growth 3Y-0.61%
GM growth 5Y-0.51%
EFX Yearly Profit, Operating, Gross MarginsEFX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

More info and screens

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3

2. EFX Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), EFX is creating some value.
  • The number of shares outstanding for EFX has been reduced compared to 1 year ago.
  • The number of shares outstanding for EFX has been reduced compared to 5 years ago.
  • Compared to 1 year ago, EFX has a worse debt to assets ratio.
EFX Yearly Shares OutstandingEFX Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
EFX Yearly Total Debt VS Total AssetsEFX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • An Altman-Z score of 3.26 indicates that EFX is not in any danger for bankruptcy at the moment.
  • With a decent Altman-Z score value of 3.26, EFX is doing good in the industry, outperforming 64.37% of the companies in the same industry.
  • EFX has a debt to FCF ratio of 4.49. This is a neutral value as EFX would need 4.49 years to pay back of all of its debts.
  • EFX has a Debt to FCF ratio of 4.49. This is comparable to the rest of the industry: EFX outperforms 49.43% of its industry peers.
  • EFX has a Debt/Equity ratio of 1.05. This is a high value indicating a heavy dependency on external financing.
  • EFX has a Debt to Equity ratio of 1.05. This is in the lower half of the industry: EFX underperforms 72.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF 4.49
Altman-Z 3.26
ROIC/WACC1.05
WACC7.87%
EFX Yearly LT Debt VS Equity VS FCFEFX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

2.3 Liquidity

  • A Current Ratio of 0.60 indicates that EFX may have some problems paying its short term obligations.
  • EFX's Current ratio of 0.60 is on the low side compared to the rest of the industry. EFX is outperformed by 89.66% of its industry peers.
  • A Quick Ratio of 0.60 indicates that EFX may have some problems paying its short term obligations.
  • EFX has a worse Quick ratio (0.60) than 88.51% of its industry peers.
Industry RankSector Rank
Current Ratio 0.6
Quick Ratio 0.6
EFX Yearly Current Assets VS Current LiabilitesEFX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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. EFX Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.08% over the past year.
  • EFX shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.20% yearly.
  • EFX shows a small growth in Revenue. In the last year, the Revenue has grown by 6.92%.
  • EFX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.04% yearly.
EPS 1Y (TTM)5.08%
EPS 3Y0.44%
EPS 5Y2.2%
EPS Q2Q%-1.42%
Revenue 1Y (TTM)6.92%
Revenue growth 3Y5.85%
Revenue growth 5Y8.04%
Sales Q2Q%9.24%

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 16.46% on average per year.
  • EFX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.56% yearly.
EPS Next Y14.2%
EPS Next 2Y16.93%
EPS Next 3Y18.26%
EPS Next 5Y16.46%
Revenue Next Year11.76%
Revenue Next 2Y10.57%
Revenue Next 3Y10.17%
Revenue Next 5Y9.56%

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 Yearly Revenue VS EstimatesEFX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2B 4B 6B 8B
EFX Yearly EPS VS EstimatesEFX Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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3

4. EFX Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 23.51, EFX is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Earnings ratio of EFX is on the same level as its industry peers.
  • EFX's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.35.
  • Based on the Price/Forward Earnings ratio of 20.58, the valuation of EFX can be described as rather expensive.
  • The rest of the industry has a similar Price/Forward Earnings ratio as EFX.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.61, EFX is valued at the same level.
Industry RankSector Rank
PE 23.51
Fwd PE 20.58
EFX Price Earnings VS Forward Price EarningsEFX 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 19.09
EV/EBITDA 13.62
EFX Per share dataEFX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • EFX's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of EFX may justify a higher PE ratio.
  • EFX's earnings are expected to grow with 18.26% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.66
PEG (5Y)10.68
EPS Next 2Y16.93%
EPS Next 3Y18.26%

More info and screens

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

5

5. EFX Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.28%, EFX has a reasonable but not impressive dividend return.
  • EFX's Dividend Yield is a higher than the industry average which is at 1.81.
  • EFX's Dividend Yield is slightly below the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.28%

5.2 History

  • The dividend of EFX has a limited annual growth rate of 4.08%.
  • EFX has paid a dividend for at least 10 years, which is a reliable track record.
  • EFX has decreased its dividend recently.
Dividend Growth(5Y)4.08%
Div Incr Years0
Div Non Decr Years1
EFX Yearly Dividends per shareEFX Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • EFX pays out 35.25% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of EFX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP35.25%
EPS Next 2Y16.93%
EPS Next 3Y18.26%
EFX Yearly Income VS Free CF VS DividendEFX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B
EFX Dividend Payout.EFX Dividend Payout, showing the Payout Ratio.EFX Dividend Payout.PayoutRetained Earnings

More info and screens

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EFX Fundamentals: All Metrics, Ratios and Statistics

EQUIFAX INC

NYSE:EFX (3/31/2026, 5:16:57 PM)

After market: 180.07 0 (0%)

180.07

+2.67 (+1.51%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-04
Earnings (Next)04-22
Inst Owners97.92%
Inst Owner Change-6.73%
Ins Owners0.67%
Ins Owner Change13.67%
Market Cap21.66B
Revenue(TTM)6.07B
Net Income(TTM)660.40M
Analysts78.62
Price Target240.63 (33.63%)
Short Float %4.29%
Short Ratio2.67
Dividend
Industry RankSector Rank
Dividend Yield 1.28%
Yearly Dividend1.91
Dividend Growth(5Y)4.08%
DP35.25%
Div Incr Years0
Div Non Decr Years1
Ex-Date03-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.62%
Min EPS beat(2)0.77%
Max EPS beat(2)4.48%
EPS beat(4)4
Avg EPS beat(4)4.1%
Min EPS beat(4)0.77%
Max EPS beat(4)7.93%
EPS beat(8)7
Avg EPS beat(8)2.98%
EPS beat(12)10
Avg EPS beat(12)2.49%
EPS beat(16)14
Avg EPS beat(16)2.66%
Revenue beat(2)2
Avg Revenue beat(2)0.57%
Min Revenue beat(2)0.56%
Max Revenue beat(2)0.58%
Revenue beat(4)4
Avg Revenue beat(4)0.64%
Min Revenue beat(4)0.56%
Max Revenue beat(4)0.77%
Revenue beat(8)4
Avg Revenue beat(8)-0.39%
Revenue beat(12)6
Avg Revenue beat(12)-0.48%
Revenue beat(16)9
Avg Revenue beat(16)-0.23%
PT rev (1m)-0.11%
PT rev (3m)-11.27%
EPS NQ rev (1m)-0.46%
EPS NQ rev (3m)-5.63%
EPS NY rev (1m)-0.53%
EPS NY rev (3m)-1.69%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)4.08%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)3.31%
Valuation
Industry RankSector Rank
PE 23.51
Fwd PE 20.58
P/S 3.57
P/FCF 19.09
P/OCF 13.4
P/B 4.7
P/tB N/A
EV/EBITDA 13.62
EPS(TTM)7.66
EY4.25%
EPS(NY)8.75
Fwd EY4.86%
FCF(TTM)9.43
FCFY5.24%
OCF(TTM)13.43
OCFY7.46%
SpS50.51
BVpS38.28
TBVpS-29.66
PEG (NY)1.66
PEG (5Y)10.68
Graham Number81.23
Profitability
Industry RankSector Rank
ROA 5.57%
ROE 14.34%
ROCE 12.02%
ROIC 8.3%
ROICexc 8.45%
ROICexgc 44.06%
OM 18.85%
PM (TTM) 10.87%
GM 56.45%
FCFM 18.67%
ROA(3y)5.05%
ROA(5y)5.58%
ROE(3y)12.99%
ROE(5y)15.46%
ROIC(3y)7.84%
ROIC(5y)8.35%
ROICexc(3y)7.99%
ROICexc(5y)8.54%
ROICexgc(3y)50.62%
ROICexgc(5y)109.77%
ROCE(3y)10.81%
ROCE(5y)11.37%
ROICexgc growth 3Y-19.59%
ROICexgc growth 5YN/A
ROICexc growth 3Y-1.02%
ROICexc growth 5Y-2.74%
OM growth 3Y-3.66%
OM growth 5Y1.89%
PM growth 3Y-7.18%
PM growth 5Y-2.91%
GM growth 3Y-0.61%
GM growth 5Y-0.51%
F-Score8
Asset Turnover0.51
Health
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF 4.49
Debt/EBITDA 2.57
Cap/Depr 66.23%
Cap/Sales 7.92%
Interest Coverage 5.46
Cash Conversion 86.31%
Profit Quality 171.76%
Current Ratio 0.6
Quick Ratio 0.6
Altman-Z 3.26
F-Score8
WACC7.87%
ROIC/WACC1.05
Cap/Depr(3y)79.47%
Cap/Depr(5y)88.8%
Cap/Sales(3y)9.45%
Cap/Sales(5y)10.01%
Profit Quality(3y)133.63%
Profit Quality(5y)107.26%
High Growth Momentum
Growth
EPS 1Y (TTM)5.08%
EPS 3Y0.44%
EPS 5Y2.2%
EPS Q2Q%-1.42%
EPS Next Y14.2%
EPS Next 2Y16.93%
EPS Next 3Y18.26%
EPS Next 5Y16.46%
Revenue 1Y (TTM)6.92%
Revenue growth 3Y5.85%
Revenue growth 5Y8.04%
Sales Q2Q%9.24%
Revenue Next Year11.76%
Revenue Next 2Y10.57%
Revenue Next 3Y10.17%
Revenue Next 5Y9.56%
EBIT growth 1Y5.04%
EBIT growth 3Y1.97%
EBIT growth 5Y10.08%
EBIT Next Year71%
EBIT Next 3Y29.61%
EBIT Next 5Y21.19%
FCF growth 1Y39.52%
FCF growth 3Y104.52%
FCF growth 5Y16.66%
OCF growth 1Y21.99%
OCF growth 3Y28.75%
OCF growth 5Y11.3%

EQUIFAX INC / EFX Fundamental Analysis FAQ

What is the fundamental rating for EFX stock?

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


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

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


Can you provide the profitability details for EQUIFAX INC?

EQUIFAX INC (EFX) has a profitability rating of 7 / 10.


What are the PE and PB ratios of EQUIFAX INC (EFX) stock?

The Price/Earnings (PE) ratio for EQUIFAX INC (EFX) is 23.51 and the Price/Book (PB) ratio is 4.7.


Can you provide the dividend sustainability for EFX stock?

The dividend rating of EQUIFAX INC (EFX) is 5 / 10 and the dividend payout ratio is 35.25%.