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Equifax Inc (EFX)

合理估值
IndustrialsConsulting ServicesUnited States

基本面

65

价格

$140.31

市值

$17.13B

第一部分 · 这家公司值多少

概览

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 2026年9月18日 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.

资产负债表与流动性

营收

$6.44B

最近12个月(截至2026/6/30)

净利润

$691M

最近12个月(截至2026/6/30)

自由现金流

$1.13B

股东权益合计

$4.60B

负债合计

$7.13B

流动比率

0.60

利息覆盖率

5.19

债务/EBITDA

3.00

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

债务负担有多重

增长一览表

增长 — 营业收入

公允价值估算

一般情形合理估值

公允价值

$138.01

当前价格

$140.31

安全边际

-1.7%

公允价值区间

$89.71 - $186.32

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$214.38
现金流折现法(DCF):$120.96
市盈率法(P/E):$93.71
格雷厄姆成长公式:$89.33
盈利能力价值(EPV):$65.28
合理市净率(P/B):$54.68
股息折现模型(戈登模型):$25.80
P/FFO(运营资金):$188.92
周期中段收益:$275.44
市销率法(P/S):$153.75
分析师共识:买入 (21B / 9H / 0S)
最近财报超预期:+1.23%

估值指标

市盈率(P/E)

24.12

ROE

14.3%

市净率(P/B)

3.68

P/FCF

14.59

毛利率

-

ROIC

9.7%

盈利能力雷达图

价值创造(经济护城河)

ROIC

9.7%

WACC

9.6%

ROIC − WACC

+0.1 pp

ROIC 与资本成本大致持平:公司仅仅覆盖了资本成本。

基本面分析标准

通过(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

未通过(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%

不可用(2)

  • Gross Margin NaN%
  • Dividend Payout NaN%

Piotroski F-评分

6/9

信号混杂:部分领域需关注

score
criteria

盈利质量

2.33

高质量:盈利有现金流支撑

股权稀释

-0.6%

正在回购股份,对股东友好

机构持股

公司治理

管理团队

姓名职位年龄
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

审计风险

1

董事会风险

4

薪酬风险

8

股东权利风险

8

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-19

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-07-21

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-07-29

    查看文件

via SEC EDGAR

损益历史

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