EQUIFAX INC (EFX) Fundamental Analysis & Valuation

NYSE:EFX • US2944291051

Current stock price

172.47 USD
-2.46 (-1.41%)
At close:
172.47 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

  • 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 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 has a Return On Assets of 5.85%. This is in the better half of the industry: EFX outperforms 63.95% of its industry peers.
  • EFX's Return On Equity of 15.39% is fine compared to the rest of the industry. EFX outperforms 66.28% of its industry peers.
  • EFX has a Return On Invested Capital of 9.39%. This is in the better half of the industry: EFX outperforms 63.95% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for EFX is significantly below the industry average of 12.85%.
  • The last Return On Invested Capital (9.39%) for EFX is above the 3 year average (7.84%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5.85%
ROE 15.39%
ROIC 9.39%
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

  • Looking at the Profit Margin, with a value of 11.12%, EFX is in the better half of the industry, outperforming 79.07% of the companies in the same industry.
  • EFX's Profit Margin has declined in the last couple of years.
  • EFX's Operating Margin of 19.03% is amongst the best of the industry. EFX outperforms 83.72% of its industry peers.
  • EFX's Operating Margin has improved in the last couple of years.
  • EFX's Gross Margin of 56.12% is fine compared to the rest of the industry. EFX outperforms 73.26% 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 19.03%
PM (TTM) 11.12%
GM 56.12%
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

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3

2. EFX Health Analysis

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.
  • EFX has less shares outstanding than it did 1 year ago.
  • EFX has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for EFX is higher compared to a year ago.
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

  • EFX has an Altman-Z score of 3.24. This indicates that EFX is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 3.24, EFX is in the better half of the industry, outperforming 63.95% of the companies in the same industry.
  • The Debt to FCF ratio of EFX is 4.66, which is a neutral value as it means it would take EFX, 4.66 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of EFX (4.66) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.89 indicates that EFX is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.89, EFX is doing worse than 72.09% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF 4.66
Altman-Z 3.24
ROIC/WACC1.2
WACC7.81%
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 0.61 indicates that EFX may have some problems paying its short term obligations.
  • EFX has a worse Current ratio (0.61) than 89.53% of its industry peers.
  • A Quick Ratio of 0.61 indicates that EFX may have some problems paying its short term obligations.
  • EFX has a Quick ratio of 0.61. This is amonst the worse of the industry: EFX underperforms 87.21% of its industry peers.
Industry RankSector Rank
Current Ratio 0.61
Quick Ratio 0.61
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

  • EFX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.15%, which is quite good.
  • Measured over the past 5 years, EFX shows a small growth in Earnings Per Share. The EPS has been growing by 2.20% on average per year.
  • The Revenue has grown by 9.55% in the past year. This is quite good.
  • The Revenue has been growing by 8.04% on average over the past years. This is quite good.
EPS 1Y (TTM)9.15%
EPS 3Y0.44%
EPS 5Y2.2%
EPS Q2Q%21.57%
Revenue 1Y (TTM)9.55%
Revenue growth 3Y5.85%
Revenue growth 5Y8.04%
Sales Q2Q%14.35%

3.2 Future

  • EFX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.30% yearly.
  • Based on estimates for the next years, EFX will show a quite strong growth in Revenue. The Revenue will grow by 9.52% on average per year.
EPS Next Y14.03%
EPS Next 2Y16.76%
EPS Next 3Y18.25%
EPS Next 5Y16.3%
Revenue Next Year11.44%
Revenue Next 2Y10.43%
Revenue Next 3Y10.04%
Revenue Next 5Y9.52%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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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4

4. EFX Valuation Analysis

4.1 Price/Earnings Ratio

  • EFX is valuated rather expensively with a Price/Earnings ratio of 21.59.
  • The rest of the industry has a similar Price/Earnings ratio as EFX.
  • When comparing the Price/Earnings ratio of EFX to the average of the S&P500 Index (27.42), we can say EFX is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 16.52, which indicates a correct valuation of EFX.
  • EFX's Price/Forward Earnings ratio is in line with the industry average.
  • EFX's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.24.
Industry RankSector Rank
PE 21.59
Fwd PE 16.52
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.
  • EFX's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 18.26
EV/EBITDA 13.58
EFX Per share dataEFX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • The 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 18.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.54
PEG (5Y)9.81
EPS Next 2Y16.76%
EPS Next 3Y18.25%

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

5

5. EFX Dividend Analysis

5.1 Amount

  • EFX has a Yearly Dividend Yield of 1.28%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 1.74, EFX pays a bit more dividend than its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.81, EFX is paying slightly less dividend.
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 been paying a dividend for at least 10 years, so it has a reliable track record.
  • EFX has decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.08%
Div Incr Years1
Div Non Decr Years2
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 35.98% 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.
DP35.98%
EPS Next 2Y16.76%
EPS Next 3Y18.25%
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 (4/24/2026, 8:04:00 PM)

After market: 172.47 0 (0%)

172.47

-2.46 (-1.41%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)04-21
Earnings (Next)07-20
Inst Owners97.83%
Inst Owner Change0.16%
Ins Owners0.67%
Ins Owner Change13.67%
Market Cap20.81B
Revenue(TTM)6.28B
Net Income(TTM)698.80M
Analysts78.62
Price Target239.15 (38.66%)
Short Float %3.97%
Short Ratio2.53
Dividend
Industry RankSector Rank
Dividend Yield 1.28%
Yearly Dividend1.91
Dividend Growth(5Y)4.08%
DP35.98%
Div Incr Years1
Div Non Decr Years2
Ex-Date03-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.55%
Min EPS beat(2)0.77%
Max EPS beat(2)8.33%
EPS beat(4)4
Avg EPS beat(4)4.2%
Min EPS beat(4)0.77%
Max EPS beat(4)8.33%
EPS beat(8)7
Avg EPS beat(8)3.62%
EPS beat(12)10
Avg EPS beat(12)2.88%
EPS beat(16)14
Avg EPS beat(16)3.01%
Revenue beat(2)2
Avg Revenue beat(2)0.8%
Min Revenue beat(2)0.56%
Max Revenue beat(2)1.04%
Revenue beat(4)4
Avg Revenue beat(4)0.71%
Min Revenue beat(4)0.56%
Max Revenue beat(4)1.04%
Revenue beat(8)5
Avg Revenue beat(8)-0.04%
Revenue beat(12)6
Avg Revenue beat(12)-0.43%
Revenue beat(16)9
Avg Revenue beat(16)-0.27%
PT rev (1m)-0.72%
PT rev (3m)-11.83%
EPS NQ rev (1m)0.5%
EPS NQ rev (3m)-4.83%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)-1.83%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)3.75%
Revenue NY rev (1m)-0.29%
Revenue NY rev (3m)2.68%
Valuation
Industry RankSector Rank
PE 21.59
Fwd PE 16.52
P/S 3.31
P/FCF 18.26
P/OCF 12.73
P/B 4.58
P/tB N/A
EV/EBITDA 13.58
EPS(TTM)7.99
EY4.63%
EPS(NY)10.44
Fwd EY6.06%
FCF(TTM)9.44
FCFY5.48%
OCF(TTM)13.54
OCFY7.85%
SpS52.07
BVpS37.64
TBVpS-30.08
PEG (NY)1.54
PEG (5Y)9.81
Graham Number82.2618 (-52.3%)
Profitability
Industry RankSector Rank
ROA 5.85%
ROE 15.39%
ROCE 12.6%
ROIC 9.39%
ROICexc 9.58%
ROICexgc 78.28%
OM 19.03%
PM (TTM) 11.12%
GM 56.12%
FCFM 18.13%
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 Turnover0.53
Health
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF 4.66
Debt/EBITDA 2.1
Cap/Depr 67.27%
Cap/Sales 7.87%
Interest Coverage 250
Cash Conversion 84.61%
Profit Quality 163.01%
Current Ratio 0.61
Quick Ratio 0.61
Altman-Z 3.24
F-Score8
WACC7.81%
ROIC/WACC1.2
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)9.15%
EPS 3Y0.44%
EPS 5Y2.2%
EPS Q2Q%21.57%
EPS Next Y14.03%
EPS Next 2Y16.76%
EPS Next 3Y18.25%
EPS Next 5Y16.3%
Revenue 1Y (TTM)9.55%
Revenue growth 3Y5.85%
Revenue growth 5Y8.04%
Sales Q2Q%14.35%
Revenue Next Year11.44%
Revenue Next 2Y10.43%
Revenue Next 3Y10.04%
Revenue Next 5Y9.52%
EBIT growth 1Y8.43%
EBIT growth 3Y1.97%
EBIT growth 5Y10.08%
EBIT Next Year71.08%
EBIT Next 3Y29.54%
EBIT Next 5Y21.07%
FCF growth 1Y76.96%
FCF growth 3Y104.52%
FCF growth 5Y16.66%
OCF growth 1Y34.06%
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 4 / 10 to EQUIFAX INC (EFX). This can be considered as Fairly Valued.


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 21.59 and the Price/Book (PB) ratio is 4.58.


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 35.98%.