Equifax (EFX) Stock Overview
Operates as a data, analytics, and technology company. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 3/6 |
| Past Performance | 2/6 |
| Financial Health | 2/6 |
| Dividends | 4/6 |
EFX Community Fair Values
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Analyst Price Targets
Equifax Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$166.72 |
| 52 Week High | US$271.84 |
| 52 Week Low | US$150.75 |
| Beta | 1.32 |
| 1 Month Change | 9.30% |
| 3 Month Change | -3.33% |
| 1 Year Change | -32.22% |
| 3 Year Change | -17.82% |
| 5 Year Change | -36.03% |
| Change since IPO | 7,241.80% |
Recent News & Updates
Narrative Update • Jul 21
EFX: Data Assets And AI Cost Cuts Will Support Long Term Earnings Power
Analysts have trimmed their average price target on Equifax to about $218 from roughly $223, reflecting slightly lower revenue growth assumptions and P/E expectations, partly offset by modestly stronger modeled profit margins and supported by recent target resets across firms that still highlight the value of Equifax's data assets. Analyst Commentary Recent research on Equifax points to a mix of optimism and caution, with most firms trimming price targets but still highlighting the company’s data assets, earnings power, and sector positioning.Seeking Alpha • Jul 21
Equifax Q2 Review: Not Much Excitement Going Forward
Summary Equifax delivered Q2 revenue in line with estimates but missed EPS, with guidance for Q3 and full-year 2026 below consensus expectations. EFX's margins were pressured by a $100M legal settlement accrual, while free cash flow remained solid at $326M for the last six months. Management aims to double AI-driven cost reductions to $150M over two years, targeting operational efficiency and margin improvement. I maintain a hold stance, citing weak guidance, persistent negative sentiment, and a still-rich 21x forward P/E despite a 35% share price decline. Read the full article on Seeking AlphaRecent updates
Narrative Update • Jul 21
EFX: Data Assets And AI Cost Cuts Will Support Long Term Earnings Power
Analysts have trimmed their average price target on Equifax to about $218 from roughly $223, reflecting slightly lower revenue growth assumptions and P/E expectations, partly offset by modestly stronger modeled profit margins and supported by recent target resets across firms that still highlight the value of Equifax's data assets. Analyst Commentary Recent research on Equifax points to a mix of optimism and caution, with most firms trimming price targets but still highlighting the company’s data assets, earnings power, and sector positioning.Seeking Alpha • Jul 21
Equifax Q2 Review: Not Much Excitement Going Forward
Summary Equifax delivered Q2 revenue in line with estimates but missed EPS, with guidance for Q3 and full-year 2026 below consensus expectations. EFX's margins were pressured by a $100M legal settlement accrual, while free cash flow remained solid at $326M for the last six months. Management aims to double AI-driven cost reductions to $150M over two years, targeting operational efficiency and margin improvement. I maintain a hold stance, citing weak guidance, persistent negative sentiment, and a still-rich 21x forward P/E despite a 35% share price decline. Read the full article on Seeking AlphaNarrative Update • Jun 17
EFX: Identity Protection Expansion And Q1 Execution Will Support Long Term Earnings Power
Equifax's updated analyst price target now stands slightly lower at about $223. This reflects a modest recalibration of fair value after mixed target changes from several firms, with analysts citing their latest Q1 readthroughs and refreshed views across the business and information services group.Narrative Update • Jun 02
EFX: Global Identity Partnerships And Marketing Reset Will Support Long Term Earnings Power
Analysts have trimmed their average price target on Equifax to about $224 from roughly $229, reflecting modest tweaks to revenue growth, profit margin, discount rate and future P/E assumptions after recent sector wide target resets and fresh coverage. Analyst Commentary Recent research on Equifax shows a mix of cautious recalibration and continued confidence in the company, with most price target moves coming as part of broader sector updates after first quarter results.Narrative Update • Apr 25
EFX: AI And Marketing Reset Will Support Long Term Earnings Power
Analysts trimmed the Equifax fair value estimate by about $7 to $229.19. Lower price targets from several firms, slightly higher discount rate assumptions, and a reduced revenue growth outlook were only partly balanced by a higher projected profit margin and a lower future P/E multiple.Narrative Update • Apr 11
EFX: AI Credit Tools And Marketing Reset Will Support Future Upside
Analysts have slightly reduced the average Equifax price target, with a modeled fair value moving from about $237.35 to $236.05. This change reflects updated views on discount rates, growth assumptions and recent target cuts across the Street.Narrative Update • Mar 26
EFX: AI Credit Tools And Marketing Shift Will Support Future Upside
Analysts have made only a small trim to the Equifax fair value estimate to $237.35, as recent price target cuts sit alongside views that the $1 VantageScore pricing move is mainly marketing and that sector wide expectations for revenue, EPS and free cash flow growth remain intact. Analyst Commentary Recent commentary around Equifax reflects a split between analysts who see the latest headlines as more noise than substance and those who are recalibrating their assumptions and price targets more cautiously.Narrative Update • Mar 11
EFX: AI Credit Tools And Buy Rating Will Shape Future Upside
Analysts have trimmed their average price target for Equifax by about $1 to $237.60, reflecting slightly higher discount rate assumptions, even as they factor in modestly stronger revenue growth, somewhat lower profit margins, and a higher future P/E after a recent wave of target reductions, alongside a fresh $250 Buy-level target from BofA. Analyst Commentary Recent Street research around Equifax reflects a mix of optimism on the long term earnings profile and caution around execution risks and valuation, especially after a cluster of price target cuts.Narrative Update • Feb 23
EFX: Credit Score Shift And AI Tools Will Shape Future Upside
Analysts have modestly trimmed their aggregate fair value estimate for Equifax to about $238.55 from $243.15, reflecting slightly higher discount rate and lower profit margin assumptions, while they continue to reference supportive long term growth expectations and a recent $250 price target from renewed coverage. Analyst Commentary Recent Street research on Equifax reflects a mix of cautious recalibration and ongoing confidence in the company’s long term earnings power.Narrative Update • Feb 08
EFX: Credit Score Shift And AI Risk Tools Will Support Future Upside
Analysts have trimmed their price targets on Equifax, reflected in a lower fair value estimate from $262.75 to $243.15, as they recalibrate P/E expectations and discount rates following a series of target cuts across the Street, while still modeling steady revenue growth and profit margins. Analyst Commentary Recent Street research on Equifax shows a clear reset in expectations, with a cluster of firms cutting price targets by amounts ranging from the mid teens to the low $40s.Narrative Update • Jan 24
EFX: Credit Score Competition And AI Fraud Tools Will Support Future Upside
Analysts have trimmed their price target on Equifax by about US$2 to US$262.75, citing updated assumptions around revenue growth, profit margins and future P/E that slightly adjust their overall valuation view. What's in the News The Federal Housing Finance Agency opened the door for VantageScore to compete with FICO in the home loan market, with Equifax, Experian and TransUnion owning VantageScore and potentially reshaping how mortgage credit scores are priced and sourced (Bloomberg).Narrative Update • Jan 08
EFX: High Entry Barriers Will Support Future Upside From Credit Score Competition
Analysts have trimmed their price targets on Equifax slightly, with one moving to a Hold at US$242 and another adjusting to US$271. These changes reflect updated views on growth, margins and future P/E assumptions following expected headwinds from FICO's Mortgage Direct License Program.Narrative Update • Dec 25
EFX: High Entry Barriers Will Support Future Outperformance Amid Mortgage Licensing Shift
Analysts have nudged their average price target for Equifax slightly lower, trimming fair value by approximately $0.50 to around $266.75 as they factor in modestly higher long term revenue growth and durable high quality assets, but also incremental earnings pressure and potential headwinds from FICO's new Mortgage Direct License Program. Analyst Commentary Analysts remain divided on Equifax, with views shaped by the competitive implications of FICO's Mortgage Direct License Program and the durability of Equifax's core data assets.Narrative Update • Dec 11
EFX: High Entry Barriers Will Sustain Resilience Amid FICO Mortgage License Headwinds
Analysts have nudged their average price target for Equifax slightly lower, trimming fair value by about $0.55 to roughly $267.25, as they factor in modestly higher long term headwinds from FICO's Mortgage Direct License Program and related credit bureau competition, despite still solid growth and margin assumptions. Analyst Commentary Street research reflects a mixed but generally constructive stance on Equifax, with views diverging around how disruptive FICO's Mortgage Direct License Program will ultimately be to the company's growth, margins, and valuation.Narrative Update • Nov 26
EFX: High Entry Barriers Will Sustain Core Resilience Amid Mortgage Score Disruption
Equifax's analyst price target has edged down by $0.50 to $267.80, as analysts cite near-term pressures on growth and profitability due to mortgage industry headwinds and changing competitive dynamics. Analyst Commentary Recent Street research highlights a mix of optimistic and cautious perspectives regarding Equifax's prospects, especially as the company navigates industry changes and competitive pressures.Narrative Update • Nov 09
EFX: Durable Competitive Advantages Will Offset Revenue Headwinds From Mortgage License Shift
Analysts have lowered their fair value estimate for Equifax to $268.30 from $272. They cite potential headwinds from industry changes and cautious revenue growth assumptions.Narrative Update • Oct 26
New Competitive Pressures And Regulatory Shifts Will Shape Market Leadership
Equifax's fair value estimate has been revised down from $277.70 to $272.00. Analysts cite ongoing revenue growth and margin pressures resulting from new industry headwinds and increased competition in the credit services market.Narrative Update • Oct 12
Government Verification And Cloud Migration Will Secure Future Advantage
Equifax's analyst price target has decreased from $280.50 to $277.70, as analysts note heightened industry headwinds and ongoing uncertainty following recent market and regulatory developments. Analyst Commentary Recent research reports highlight both opportunities and challenges for Equifax, as analysts adjust price targets and revisit expectations in light of evolving industry conditions and company-specific developments.Seeking Alpha • Apr 24
Equifax: Fundamentals Are Better Than Expected, But Macro Risks Haven't Cleared
Summary I maintain a hold rating on Equifax despite a strong 1Q25 performance, as macro risks like high mortgage rates and poor hiring trends persist. Equifax's 1Q25 results exceeded expectations with $1.442 billion revenue and a 29.3% adj. EBITDA margin, driven by growth in all segments. New growth drivers, including the SSA deal and The Work Number platform, are showing strong potential, enhancing Equifax's long-term outlook. Despite positive fundamentals, near-term caution is warranted due to volatile mortgage volumes and hiring trends, along with macroeconomic uncertainties. Read the full article on Seeking AlphaSeeking Alpha • Apr 14
Equifax Q1 Preview: Management's Thoughts On Outlook Should Be Interesting
Summary Analysts expect Equifax Inc.'s Q1 '25 results to show minimal growth, with EPS estimates at $1.41 adjusted and $1.00 GAAP on $1.42B revenue. Key concerns include weak U.S. mortgage and hiring markets, with 16 downward EPS revisions adding uncertainty to the upcoming results. Focus areas include U.S. mortgage inquiry declines, Workforce Solutions headwinds, and international performance, particularly in Brazil and Europe. Given the lackluster top-line growth and macroeconomic uncertainties, I don't recommend buying EFX stock before the earnings announcement. Read the full article on Seeking AlphaShareholder Returns
| EFX | US Professional Services | US Market | |
|---|---|---|---|
| 7D | -7.2% | -1.2% | -1.4% |
| 1Y | -32.2% | -22.2% | 16.4% |
Return vs Industry: EFX underperformed the US Professional Services industry which returned -22.2% over the past year.
Return vs Market: EFX underperformed the US Market which returned 16.4% over the past year.
Price Volatility
| EFX volatility | |
|---|---|
| EFX Average Weekly Movement | 5.7% |
| Professional Services Industry Average Movement | 8.0% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.3% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: EFX has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: EFX's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1899 | 15,000 | Mark Begor | www.equifax.com |
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.
Equifax Inc. Fundamentals Summary
| EFX fundamental statistics | |
|---|---|
| Market cap | US$20.03b |
| Earnings (TTM) | US$691.40m |
| Revenue (TTM) | US$6.44b |
28.3x
P/E Ratio3.0x
P/S RatioIs EFX overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| EFX income statement (TTM) | |
|---|---|
| Revenue | US$6.44b |
| Cost of Revenue | US$2.87b |
| Gross Profit | US$3.58b |
| Other Expenses | US$2.89b |
| Earnings | US$691.40m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 5.89 |
| Gross Margin | 55.54% |
| Net Profit Margin | 10.73% |
| Debt/Equity Ratio | 121.0% |
How did EFX perform over the long term?
See historical performance and comparisonDividends
1.3%
Current Dividend Yield37%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/23 21:46 |
| End of Day Share Price | 2026/07/23 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Equifax Inc. is covered by 33 analysts. 22 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jasper Hellweg | Argus Research Company |
| Jeffrey Meuler | Baird |
| Manav Patnaik | Barclays |