EQUIFAX INC (EFX) Stock Fundamental Analysis

NYSE:EFX • US2944291051

188.43 USD
-9.03 (-4.57%)
At close: Feb 23, 2026
189.4 USD
+0.97 (+0.51%)
After Hours: 2/23/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

EFX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 88 industry peers in the Professional Services industry. There are concerns on the financial health of EFX while its profitability can be described as average. EFX has a correct valuation and a medium growth rate.


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.
  • EFX had positive earnings in 4 of the past 5 years.
  • EFX had a positive operating cash flow in 4 of the past 5 years.
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 0 500M 1B

1.2 Ratios

  • EFX's Return On Assets of 5.57% is fine compared to the rest of the industry. EFX outperforms 62.50% of its industry peers.
  • The Return On Equity of EFX (13.34%) is better than 64.77% of its industry peers.
  • The Return On Invested Capital of EFX (9.15%) is better than 63.64% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for EFX is below the industry average of 12.89%.
  • 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 Yearly ROA, ROE, ROICEFX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

1.3 Margins

  • EFX has a better Profit Margin (11.08%) than 77.27% of its industry peers.
  • In the last couple of years the Profit Margin of EFX has declined.
  • EFX has a better Operating Margin (20.14%) than 85.23% of its industry peers.
  • EFX's Operating Margin has declined in the last couple of years.
  • EFX's Gross Margin of 56.26% is fine compared to the rest of the industry. EFX outperforms 73.86% of its industry peers.
  • EFX's Gross Margin has been stable in the last couple of years.
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 Yearly Profit, Operating, Gross MarginsEFX 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so EFX is still creating some value.
  • EFX has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
EFX Yearly Shares OutstandingEFX Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B 10B

2.2 Solvency

  • An Altman-Z score of 3.60 indicates that EFX is not in any danger for bankruptcy at the moment.
  • EFX has a Altman-Z score of 3.60. This is in the better half of the industry: EFX outperforms 71.59% 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's Debt to FCF ratio of 4.82 is in line compared to the rest of the industry. EFX outperforms 54.55% of its industry peers.
  • EFX has a Debt/Equity ratio of 0.84. This is a neutral value indicating EFX is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.84, EFX is not doing good in the industry: 64.77% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.84
Debt/FCF 4.82
Altman-Z 3.6
ROIC/WACC1.2
WACC7.63%
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 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.
  • The Current ratio of EFX (0.74) is worse than 85.23% 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.
  • Looking at the Quick ratio, with a value of 0.74, EFX is doing worse than 84.09% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.74
Quick Ratio 0.74
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 500M 1B 1.5B 2B

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

4

3. Growth

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.
EPS 1Y (TTM)5.08%
EPS 3Y0.44%
EPS 5Y2.2%
EPS Q2Q%-1.42%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 13.98% on average per year.
  • Based on estimates for the next years, EFX will show a quite strong growth in Revenue. The Revenue will grow by 8.31% on average per year.
EPS Next Y14.81%
EPS Next 2Y17.89%
EPS Next 3Y21.61%
EPS Next 5Y13.98%
Revenue Next Year11.4%
Revenue Next 2Y10.54%
Revenue Next 3Y10.11%
Revenue Next 5Y8.31%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

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4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 24.60, the valuation of EFX can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of EFX is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, EFX is valued at the same level.
  • EFX is valuated rather expensively with a Price/Forward Earnings ratio of 21.43.
  • The rest of the industry has a similar Price/Forward Earnings ratio as EFX.
  • EFX is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.75, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 24.6
Fwd PE 21.43
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

  • EFX's Enterprise Value to EBITDA ratio is in line with the industry average.
  • EFX's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 22.7
EV/EBITDA 14.81
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.
  • EFX has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as EFX's earnings are expected to grow with 21.61% in the coming years.
PEG (NY)1.66
PEG (5Y)11.18
EPS Next 2Y17.89%
EPS Next 3Y21.61%

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.02%, EFX has a reasonable but not impressive dividend return.
  • EFX's Dividend Yield is a higher than the industry average which is at 1.55.
  • Compared to an average S&P500 Dividend Yield of 1.80, EFX's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.02%

5.2 History

  • The dividend of EFX has a limited annual growth rate of 0.02%.
  • EFX has been paying a dividend for at least 10 years, so it has a reliable track record.
  • EFX has decreased its dividend recently.
Dividend Growth(5Y)0.02%
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 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 2Y17.89%
EPS Next 3Y21.61%
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 0 200M -200M 400M 600M 800M
EFX Dividend Payout.EFX Dividend Payout, showing the Payout Ratio.EFX Dividend Payout.PayoutRetained Earnings

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EQUIFAX INC

NYSE:EFX (2/23/2026, 8:04:00 PM)

After market: 189.4 +0.97 (+0.51%)

188.43

-9.03 (-4.57%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-04
Earnings (Next)04-20
Inst Owners100.55%
Inst Owner Change-6.85%
Ins Owners0.48%
Ins Owner Change6.46%
Market Cap22.69B
Revenue(TTM)N/A
Net Income(TTM)658.60M
Analysts77.93
Price Target266.86 (41.62%)
Short Float %3.02%
Short Ratio1.93
Dividend
Industry RankSector Rank
Dividend Yield 1.02%
Yearly Dividend1.56
Dividend Growth(5Y)0.02%
DP33.46%
Div Incr Years0
Div Non Decr Years1
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)-1.61%
PT rev (3m)-2.1%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)0.3%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.06%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.05%
Valuation
Industry RankSector Rank
PE 24.6
Fwd PE 21.43
P/S 3.82
P/FCF 22.7
P/OCF 15.44
P/B 4.59
P/tB N/A
EV/EBITDA 14.81
EPS(TTM)7.66
EY4.07%
EPS(NY)8.79
Fwd EY4.67%
FCF(TTM)8.3
FCFY4.41%
OCF(TTM)12.21
OCFY6.48%
SpS49.36
BVpS41.02
TBVpS-26.49
PEG (NY)1.66
PEG (5Y)11.18
Graham Number84.08
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 3.6
F-Score8
WACC7.63%
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)5.08%
EPS 3Y0.44%
EPS 5Y2.2%
EPS Q2Q%-1.42%
EPS Next Y14.81%
EPS Next 2Y17.89%
EPS Next 3Y21.61%
EPS Next 5Y13.98%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.24%
Revenue Next Year11.4%
Revenue Next 2Y10.54%
Revenue Next 3Y10.11%
Revenue Next 5Y8.31%
EBIT growth 1Y17.7%
EBIT growth 3Y-1.67%
EBIT growth 5YN/A
EBIT Next Year50.08%
EBIT Next 3Y23.9%
EBIT Next 5Y18.73%
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 FAQ

What is the fundamental rating for EFX stock?

ChartMill assigns a fundamental rating of 4 / 10 to EFX.


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

ChartMill assigns a valuation rating of 4 / 10 to EQUIFAX INC (EFX). This can be considered as Fairly Valued.


What is the profitability of EFX stock?

EQUIFAX INC (EFX) 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) is 24.6 and the Price/Book (PB) ratio is 4.59.


Can you provide the expected EPS growth for EFX stock?

The Earnings per Share (EPS) of EQUIFAX INC (EFX) is expected to grow by 14.81% in the next year.