Equifax Inc (EFX)
Juste valeurFondamental
65
Prix
$137.24
Capitalisation boursière
$17.13B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
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
Generated on 18 septembre 2026 with claude-haiku-4-5 — shared with all users
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.
Competes with Equifax for the budget lenders spend on credit scoring, decisioning and fraud-analytics software, and reaches consumers directly with subscription credit monitoring.
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.
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.
A private US company that sells income and employment verifications to mortgage lenders and employers, the market Equifax's The Work Number dominates.
Bilan & Liquidités
Chiffre d'affaires
$6.44B
12 derniers mois (au 30/06/2026)
Résultat net
$691M
12 derniers mois (au 30/06/2026)
Flux de trésorerie libre
$1.13B
Capitaux propres totaux
$4.60B
Passif total
$7.13B
Ratio de liquidité général
0.60
Couverture des intérêts
5.19
Dette/EBITDA
3.00
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Le poids de la dette
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$138.01
Prix actuel
$137.24
Marge de sécurité
+0.6%
Fourchette de juste valeur
$89.71 - $186.32
Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
24.12
ROE
14.3%
Ratio P/B
3.68
P/FCF
14.59
Marge brute
-
ROIC
9.7%
Radar de rentabilité
Création de valeur (avantage concurrentiel)
ROIC
9.7%
WACC
9.6%
ROIC − WACC
+0.1 pp
Le ROIC est à peu près aligné sur le coût du capital — l'entreprise couvre à peine son coût du capital.
Critères d'analyse fondamentale
Réussi (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
Échoué (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%
Indisponible (2)
- Gross Margin NaN%
- Dividend Payout NaN%
Score F de Piotroski
Signaux mixtes : certains domaines nécessitent attention
Qualité des bénéfices
Qualité élevée : bénéfices soutenus par la trésorerie
Dilution du capital
Rachat d'actions. Favorable aux actionnaires
Participations institutionnelles
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| Mr. Mark W. Begor | CEO & Director | 67 |
| Mr. John W. Gamble Jr. | Executive VP, CFO & COO | 62 |
| Mr. Jamil Farshchi | Executive VP & CTO | 47 |
| Ms. Julia A. Houston | Executive VP & Chief Legal Officer | 54 |
| Mr. Chad M. Borton | Executive VP & President of Workforce Solutions | 54 |
| Mr. James M. Griggs | Chief Accounting Officer & Corporate Controller | - |
| Mr. Trevor Burns | Senior Vice President of Corporate Investor Relations | - |
| Ms. Kathryn Q. Walker | Executive VP and Chief Marketing & Communications Officer | 47 |
| Mr. Sunil Bindal | Executive VP & Chief Corporate Development and Strategy Officer | 50 |
| Ms. Carla J. Chaney | Executive VP & Chief Human Resources Officer | 55 |
Risque d'audit
1
Risque du conseil
4
Risque de rémunération
8
Risque droits des actionnaires
8
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
Documents
- Voir le document
Rapport annuel (10-K)
Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.
Déposé le 2026-02-19
- Voir le document
Rapport trimestriel (10-Q)
Une mise à jour de la performance financière des trois derniers mois.
Déposé le 2026-07-21
- Voir le document
Rapport d'événement important (8-K)
Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.
Déposé le 2026-07-29
via SEC EDGAR
Historique des résultats
via SEC EDGAR
Latest News
Recent headlines for EFX, sourced from Markets Gazette.
- 4/21/2026NEUTRALEquifax 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.
- 4/21/2026POSITIVEEquifax 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