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Equifax Inc (EFX)

Juste valeur
IndustrialsConsulting ServicesUnited States

Fondamental

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

Compare

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

P/E: 16.9Score: 80Market 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: 82Market 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.

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

Cas généralJustement valorisé

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

Objectif de cours des analystes:$214.38
Flux de trésorerie actualisés (DCF):$120.96
Multiple de résultat (P/E):$93.71
Formule de croissance de Graham:$89.33
Valeur de la capacité bénéficiaire (EPV):$65.28
P/B justifié:$54.68
Actualisation des dividendes (Gordon):$25.80
P/FFO, les fonds provenant de l'exploitation:$188.92
Bénéfices de milieu de cycle:$275.44
Multiple sur le chiffre d'affaires:$153.75
Consensus des analystes:Acheter (21B / 9H / 0S)
Dernière surprise sur les résultats:+1.23%

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

6/9

Signaux mixtes : certains domaines nécessitent attention

score
criteria

Qualité des bénéfices

2.33

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

-0.6%

Rachat d'actions. Favorable aux actionnaires

Participations institutionnelles

Gouvernance

Équipe dirigeante

NomTitreÂge
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

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

  • 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

    Voir le document

via SEC EDGAR

Historique des résultats

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