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Equifax Inc (EFX)

Valor Justo
IndustrialsConsulting ServicesUnited States

Fundamental

65

Precio

$140.31

Capitalización Bursátil

$17.13B

Parte 1 · Cuánto vale la empresa

Resumen

Equifax Inc. operates as a data, analytics, and technology company. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment offers services that enables customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure, and sanctions of people in the United States; and employer customers with services that that assist them in complying with and automating certain payroll-related and human resource management processes throughout the entire cycle of the employment relationship. The U.S. Information Solutions segment provides consumer and commercial information services, such as credit information and credit scoring, credit modeling and portfolio analytics, locate, fraud detection and prevention, identity verification, and other consulting services; mortgage services; financial marketing services; identity management services; and credit monitoring products. The International segment offers information service products, which include consumer and commercial services comprising credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as information, technology, and services to support debt collections and recovery management. The company also provides information solutions for businesses, governments and consumers; and human resources business process automation and outsourcing services for employers. It operates in Argentina, Australia, Brazil, Canada, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, India, Ireland, Mexico, New Zealand, Paraguay, Peru, Portugal, Spain, the United Kingdom, Uruguay, and the United States. The company was founded in 1899 and is headquartered in Atlanta, Georgia.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

Compare

Generated on 18 de septiembre de 2026 with claude-haiku-4-5 — shared with all users

P/E: 16.9Score: 72Market cap: $12.76B

The third US consumer credit bureau: its reports sit next to Equifax's in the tri-merge file that mortgage lenders pull, and it sells the same risk, identity and fraud products to banks and insurers.

P/E: 17.1Score: 77Market cap: $18.16B

Competes with Equifax for the budget lenders spend on credit scoring, decisioning and fraud-analytics software, and reaches consumers directly with subscription credit monitoring.

Experian plcEXPN

One of the three US consumer credit bureaus alongside Equifax and TransUnion, selling credit reports, scores, fraud and marketing data to the same lenders, and competing directly in employment and income verification.

Dun & Bradstreet Holdings, Inc.Not tracked

Sells commercial credit reports and business risk data to the same corporate customers as Equifax's commercial solutions unit; taken private by Clearlake Capital in August 2025, so it no longer has a listed share.

Truework, Inc.Not tracked

A private US company that sells income and employment verifications to mortgage lenders and employers, the market Equifax's The Work Number dominates.

Balance y Liquidez

Ingresos

$6.44B

Últimos 12 meses (hasta 30/6/2026)

Beneficio Neto

$691M

Últimos 12 meses (hasta 30/6/2026)

Flujo de Caja Libre

$1.13B

Patrimonio Neto Total

$4.60B

Pasivo Total

$7.13B

Ratio de Liquidez

0.60

Cobertura de Intereses

5.19

Deuda/EBITDA

3.00

Beneficio Por Acción

Ingresos y Beneficio Neto

Flujo de Caja Libre

Desglose de Ingresos

Estado histórico

Márgenes en el tiempo

La deuda en el tiempo

Cuánto pesa la deuda

Cuadro de crecimiento

Crecimiento — Ingresos

Estimación de Valor Justo

Caso generalValoración Justa

Valor Justo

$138.01

Precio Actual

$140.31

Margen de Seguridad

-1.7%

Rango de Valor Justo

$89.71 - $186.32

Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.

Métodos de Estimación

Precio objetivo de los analistas:$214.38
Flujo de caja descontado (DCF):$120.96
Múltiplo sobre beneficios (P/E):$93.71
Fórmula de crecimiento de Graham:$89.33
Valor de la capacidad de generar beneficios (EPV):$65.28
P/B justificado:$54.68
Descuento de dividendos (Gordon):$25.80
P/FFO, fondos de operaciones:$188.92
Beneficios de mitad de ciclo:$275.44
Múltiplo sobre ingresos:$153.75
Consenso de Analistas:Comprar (21B / 9H / 0S)
Última Sorpresa de Resultados:+1.23%

Métricas de Valoración

Ratio P/E

24.12

ROE

14.3%

Ratio P/B

3.68

P/FCF

14.59

Margen Bruto

-

ROIC

9.7%

Radar de Rentabilidad

Creación de Valor (Ventaja Competitiva)

ROIC

9.7%

WACC

9.6%

ROIC − WACC

+0.1 pp

El ROIC está en línea con el coste del capital: la empresa apenas cubre su coste de capital.

Criterios de Análisis Fundamental

Superado (17)

  • EPS shows upward trend
  • EPS CAGR 5.65%
  • ROIC 9.7%
  • P/FCF 14.59
  • Debt/Equity ratio
  • Operating Margin 17.9%
  • Positive Free Cash Flow
  • Interest Coverage
  • Debt/EBITDA
  • Return on Tangible Assets
  • ROE 15.0%
  • Revenue Growth 5Y 8.0%
  • Analyst Consensus 70% Buy
  • Earnings Surprise avg 3.7%
  • Earnings Quality (OCF/NI) 2.33
  • Share Dilution -0.6%
  • Piotroski F-Score 6/9

Fallido (9)

  • Price CAGR 3.64%
  • P/B Ratio 3.68
  • CapEx intensity
  • Current Ratio
  • Low reliance on intangibles
  • Price below Graham Number
  • DCF valuation (Overvalued)
  • PEG Ratio 5.35
  • Net Margin Trend 10.7% vs 11.0%

No disponible (2)

  • Gross Margin NaN%
  • Dividend Payout NaN%

Piotroski F-Score

6/9

Señales mixtas: algunas áreas requieren atención

score
criteria

Calidad de los Beneficios

2.33

Alta calidad: beneficios respaldados por efectivo

Dilución de Acciones

-0.6%

Recomprando acciones. Favorable para el accionista

Participaciones institucionales

Gobernanza

Equipo Directivo

NombreCargoEdad
Mr. Mark W. BegorCEO & Director67
Mr. John W. Gamble Jr.Executive VP, CFO & COO62
Mr. Jamil FarshchiExecutive VP & CTO47
Ms. Julia A. HoustonExecutive VP & Chief Legal Officer54
Mr. Chad M. BortonExecutive VP & President of Workforce Solutions54
Mr. James M. GriggsChief Accounting Officer & Corporate Controller-
Mr. Trevor BurnsSenior Vice President of Corporate Investor Relations-
Ms. Kathryn Q. WalkerExecutive VP and Chief Marketing & Communications Officer47
Mr. Sunil BindalExecutive VP & Chief Corporate Development and Strategy Officer50
Ms. Carla J. ChaneyExecutive VP & Chief Human Resources Officer55

Riesgo de Auditoría

1

Riesgo del Consejo

4

Riesgo de Compensación

8

Riesgo de Derechos del Accionista

8

Parte 2 · El precio y el momento de entrar

Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.

Documentos

  • Informe anual (10-K)

    Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.

    Presentado el 2026-02-19

    Ver documento
  • Informe trimestral (10-Q)

    Una actualización del desempeño financiero de los últimos tres meses.

    Presentado el 2026-07-21

    Ver documento
  • Informe de hecho relevante (8-K)

    Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.

    Presentado el 2026-07-29

    Ver documento

via SEC EDGAR

Historial de Resultados

via SEC EDGAR

Latest News

Recent headlines for EFX, sourced from Markets Gazette.

  • 4/21/2026NEUTRAL
    Equifax Q1 2026 Earnings Call: Complete Transcript

    Equifax Inc. will host its Q1 2026 Earnings Call on April 21, 2026, at 2:29 PM UTC. The company will discuss its financial performance and strategic initiatives for the first quarter. While the earnings call itself is an informational event, the actual financial results and forward-looking statements made during the call will determine the market's reaction. Investors will be scrutinizing revenue growth, profitability metrics, and any guidance provided for the upcoming quarters to assess the company's trajectory.

  • 4/21/2026POSITIVE
    Equifax Posts Fastest Revenue Growth Since 2021 on Mortgages

    Equifax Inc. announced its strongest revenue growth since 2021, propelled by a significant increase in mortgage application volumes. This surge indicates a robust recovery and expansion in the housing market, directly benefiting Equifax's data and analytics services. The company's performance suggests a positive outlook for its core business segments and highlights its ability to capitalize on market upturns. Investors will likely view this acceleration as a sign of underlying business strength and potential for continued earnings growth.

via Markets Gazette