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EQUIFAX INC (EFX) Stock Fundamental Analysis

NYSE:EFX - New York Stock Exchange, Inc. - US2944291051 - Common Stock - Currency: USD

255.7  +2.31 (+0.91%)

After market: 255.7 0 (0%)

Fundamental Rating

5

Taking everything into account, EFX scores 5 out of 10 in our fundamental rating. EFX was compared to 82 industry peers in the Professional Services industry. EFX has a medium profitability rating, but doesn't score so well on its financial health evaluation. EFX is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

6

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.
EFX had positive earnings in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

1.2 Ratios

EFX has a Return On Assets of 5.16%. This is comparable to the rest of the industry: EFX outperforms 59.26% of its industry peers.
With a Return On Equity value of 12.29%, EFX perfoms like the industry average, outperforming 58.02% of the companies in the same industry.
The Return On Invested Capital of EFX (8.25%) is comparable to the rest of the industry.
EFX had an Average Return On Invested Capital over the past 3 years of 8.03%. This is below the industry average of 12.61%.
The 3 year average ROIC (8.03%) for EFX is below the current ROIC(8.25%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.16%
ROE 12.29%
ROIC 8.25%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

1.3 Margins

EFX has a Profit Margin of 10.68%. This is amongst the best in the industry. EFX outperforms 82.72% of its industry peers.
In the last couple of years the Profit Margin of EFX has declined.
EFX's Operating Margin of 19.21% is amongst the best of the industry. EFX outperforms 86.42% of its industry peers.
EFX's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 55.56%, EFX is in the better half of the industry, outperforming 67.90% of the companies in the same industry.
EFX's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 19.21%
PM (TTM) 10.68%
GM 55.56%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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
The debt/assets ratio for EFX has been reduced compared to a year ago.
EFX Yearly Shares OutstandingEFX Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

An Altman-Z score of 4.26 indicates that EFX is not in any danger for bankruptcy at the moment.
EFX has a better Altman-Z score (4.26) than 74.07% of its industry peers.
The Debt to FCF ratio of EFX is 6.14, which is on the high side as it means it would take EFX, 6.14 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of EFX (6.14) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.87 indicates that EFX is somewhat dependend on debt financing.
The Debt to Equity ratio of EFX (0.87) is worse than 65.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 6.14
Altman-Z 4.26
ROIC/WACC1
WACC8.22%
EFX Yearly LT Debt VS Equity VS FCFEFX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

2.3 Liquidity

A Current Ratio of 0.85 indicates that EFX may have some problems paying its short term obligations.
EFX has a Current ratio of 0.85. This is amonst the worse of the industry: EFX underperforms 82.72% of its industry peers.
EFX has a Quick Ratio of 0.85. 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 0.85, EFX is not doing good in the industry: 82.72% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.85
Quick Ratio 0.85
EFX Yearly Current Assets VS Current LiabilitesEFX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

6

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.96% over the past year.
The Earnings Per Share has been growing slightly by 5.38% on average over the past years.
The Revenue has been growing slightly by 7.12% in the past year.
EFX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.12% yearly.
EPS 1Y (TTM)7.96%
EPS 3Y-1.55%
EPS 5Y5.38%
EPS Q2Q%2%
Revenue 1Y (TTM)7.12%
Revenue growth 3Y4.88%
Revenue growth 5Y10.12%
Sales Q2Q%3.79%

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 18.10% yearly.
Based on estimates for the next years, EFX will show a quite strong growth in Revenue. The Revenue will grow by 9.32% on average per year.
EPS Next Y5.43%
EPS Next 2Y13.66%
EPS Next 3Y18.82%
EPS Next 5Y18.1%
Revenue Next Year5.28%
Revenue Next 2Y7.91%
Revenue Next 3Y9.6%
Revenue Next 5Y9.32%

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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B
EFX Yearly EPS VS EstimatesEFX Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15

2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 34.93 indicates a quite expensive valuation of EFX.
61.73% of the companies in the same industry are cheaper than EFX, based on the Price/Earnings ratio.
EFX is valuated rather expensively when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 27.15 indicates a quite expensive valuation of EFX.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EFX is on the same level as its industry peers.
EFX's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 21.03.
Industry RankSector Rank
PE 34.93
Fwd PE 27.15
EFX Price Earnings VS Forward Price EarningsEFX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

EFX's Enterprise Value to EBITDA is on the same level as the industry average.
EFX's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 39.26
EV/EBITDA 20.39
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 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.
A more expensive valuation may be justified as EFX's earnings are expected to grow with 18.82% in the coming years.
PEG (NY)6.44
PEG (5Y)6.49
EPS Next 2Y13.66%
EPS Next 3Y18.82%

5

5. Dividend

5.1 Amount

With a yearly dividend of 0.79%, EFX is not a good candidate for dividend investing.
EFX's Dividend Yield is a higher than the industry average which is at 2.14.
With a Dividend Yield of 0.79, EFX pays less dividend than the S&P500 average, which is at 2.44.
Industry RankSector Rank
Dividend Yield 0.79%

5.2 History

The dividend of EFX has a limited annual growth rate of 0.02%.
EFX has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of EFX decreased 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

EFX pays out 31.60% 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.
DP31.6%
EPS Next 2Y13.66%
EPS Next 3Y18.82%
EFX Yearly Income VS Free CF VS DividendEFX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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

EQUIFAX INC

NYSE:EFX (6/20/2025, 8:04:00 PM)

After market: 255.7 0 (0%)

255.7

+2.31 (+0.91%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)04-22 2025-04-22/bmo
Earnings (Next)07-16 2025-07-16/amc
Inst Owners99.87%
Inst Owner Change3.14%
Ins Owners0.49%
Ins Owner Change4.57%
Market Cap31.76B
Analysts81.48
Price Target295.82 (15.69%)
Short Float %2.61%
Short Ratio3.16
Dividend
Industry RankSector Rank
Dividend Yield 0.79%
Yearly Dividend1.56
Dividend Growth(5Y)0.02%
DP31.6%
Div Incr Years0
Div Non Decr Years1
Ex-Date05-23 2025-05-23 (0.5)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.98%
Min EPS beat(2)0.03%
Max EPS beat(2)7.93%
EPS beat(4)3
Avg EPS beat(4)3.05%
Min EPS beat(4)-0.16%
Max EPS beat(4)7.93%
EPS beat(8)6
Avg EPS beat(8)2.23%
EPS beat(12)10
Avg EPS beat(12)2.62%
EPS beat(16)14
Avg EPS beat(16)3.48%
Revenue beat(2)1
Avg Revenue beat(2)-0.81%
Min Revenue beat(2)-2.38%
Max Revenue beat(2)0.77%
Revenue beat(4)1
Avg Revenue beat(4)-0.79%
Min Revenue beat(4)-2.38%
Max Revenue beat(4)0.77%
Revenue beat(8)2
Avg Revenue beat(8)-1%
Revenue beat(12)5
Avg Revenue beat(12)-0.59%
Revenue beat(16)8
Avg Revenue beat(16)0.1%
PT rev (1m)1.88%
PT rev (3m)-0.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.1%
EPS NY rev (1m)0.11%
EPS NY rev (3m)0.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.93%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.3%
Valuation
Industry RankSector Rank
PE 34.93
Fwd PE 27.15
P/S 5.54
P/FCF 39.26
P/OCF 24.51
P/B 6.38
P/tB N/A
EV/EBITDA 20.39
EPS(TTM)7.32
EY2.86%
EPS(NY)9.42
Fwd EY3.68%
FCF(TTM)6.51
FCFY2.55%
OCF(TTM)10.43
OCFY4.08%
SpS46.17
BVpS40.11
TBVpS-25.59
PEG (NY)6.44
PEG (5Y)6.49
Profitability
Industry RankSector Rank
ROA 5.16%
ROE 12.29%
ROCE 10.88%
ROIC 8.25%
ROICexc 8.42%
ROICexgc 47.23%
OM 19.21%
PM (TTM) 10.68%
GM 55.56%
FCFM 14.11%
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%
ROICexcg growth 3Y-45.57%
ROICexcg 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 Turnover0.48
Health
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 6.14
Debt/EBITDA 2.41
Cap/Depr 70.51%
Cap/Sales 8.49%
Interest Coverage 250
Cash Conversion 72.32%
Profit Quality 132.11%
Current Ratio 0.85
Quick Ratio 0.85
Altman-Z 4.26
F-Score8
WACC8.22%
ROIC/WACC1
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)7.96%
EPS 3Y-1.55%
EPS 5Y5.38%
EPS Q2Q%2%
EPS Next Y5.43%
EPS Next 2Y13.66%
EPS Next 3Y18.82%
EPS Next 5Y18.1%
Revenue 1Y (TTM)7.12%
Revenue growth 3Y4.88%
Revenue growth 5Y10.12%
Sales Q2Q%3.79%
Revenue Next Year5.28%
Revenue Next 2Y7.91%
Revenue Next 3Y9.6%
Revenue Next 5Y9.32%
EBIT growth 1Y11.15%
EBIT growth 3Y-1.67%
EBIT growth 5YN/A
EBIT Next Year51.38%
EBIT Next 3Y27.37%
EBIT Next 5Y20.64%
FCF growth 1Y68.45%
FCF growth 3Y-2.08%
FCF growth 5YN/A
OCF growth 1Y17.1%
OCF growth 3Y-0.26%
OCF growth 5Y33.38%