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EFX

EquifaxNYSE:EFX Stock Report

Market Cap

US$33.1b

7D

-0.8%

1Y

83.3%

Updated

26 Oct, 2021

Data

Company Financials +
EFX fundamental analysis
Snowflake Score
Valuation2/6
Future Growth3/6
Past Performance4/6
Financial Health3/6
Dividends0/6

EFX Overview

Equifax Inc. provides information solutions and human resources business process outsourcing services for businesses, governments, and consumers.

Equifax Competitors

Verisk Analytics

NasdaqGS:VRSK

US$34.1b

TransUnion

NYSE:TRU

US$21.8b

Dun & Bradstreet Holdings

NYSE:DNB

US$8.0b

Visa

NYSE:V

US$493.0b

Price History & Performance

Summary of all time highs, changes and price drops for Equifax
Historical stock prices
Current Share PriceUS$270.97
52 Week HighUS$135.98
52 Week LowUS$279.59
Beta1.43
1 Month Change2.06%
3 Month Change4.66%
1 Year Change83.32%
3 Year Change173.62%
5 Year Change119.16%
Change since IPO3,313.79%

Recent News & Updates

Oct 16
Is It Too Late To Consider Buying Equifax Inc. (NYSE:EFX)?

Is It Too Late To Consider Buying Equifax Inc. (NYSE:EFX)?

Equifax Inc. ( NYSE:EFX ) saw significant share price movement during recent months on the NYSE, rising to highs of...

Sep 07
Is Equifax (NYSE:EFX) A Risky Investment?

Is Equifax (NYSE:EFX) A Risky Investment?

Howard Marks put it nicely when he said that, rather than worrying about share price volatility, 'The possibility of...

Aug 25
Equifax's (NYSE:EFX) Returns Have Hit A Wall

Equifax's (NYSE:EFX) Returns Have Hit A Wall

If we want to find a potential multi-bagger, often there are underlying trends that can provide clues. Typically, we'll...

Shareholder Returns

EFXUS Professional ServicesUS Market
7D-0.8%0.7%0.9%
1Y83.3%35.0%33.4%

Return vs Industry: EFX exceeded the US Professional Services industry which returned 34.7% over the past year.

Return vs Market: EFX exceeded the US Market which returned 33.4% over the past year.

Price Volatility

Is EFX's price volatile compared to industry and market?
EFX volatility
EFX Beta1.43
Industry Beta1.07
Market Beta1

Stable Share Price: EFX is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: EFX's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
189911,400Mark Begorhttps://www.equifax.com

Equifax Inc. provides information solutions and human resources business process outsourcing services for businesses, governments, and consumers. The company operates through four segments: U.S. Information Solutions (USIS), Workforce Solutions, International, and Global Consumer Solutions.

Equifax Fundamentals Summary

How do Equifax's earnings and revenue compare to its market cap?
EFX fundamental statistics
Market CapUS$33.06b
Earnings (TTM)US$696.50m
Revenue (TTM)US$4.79b

47.5x

P/E Ratio

6.9x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
EFX income statement (TTM)
RevenueUS$4.79b
Cost of RevenueUS$1.94b
Gross ProfitUS$2.85b
ExpensesUS$2.16b
EarningsUS$696.50m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)5.71
Gross Margin59.57%
Net Profit Margin14.54%
Debt/Equity Ratio153.9%

How did EFX perform over the long term?

See historical performance and comparison

Dividends

0.6%

Current Dividend Yield

27%

Payout Ratio

Valuation

Is Equifax undervalued compared to its fair value and its price relative to the market?

26.9%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: EFX ($270.97) is trading below our estimate of fair value ($370.84)

Significantly Below Fair Value: EFX is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: EFX is poor value based on its PE Ratio (47.5x) compared to the US Professional Services industry average (26.5x).

PE vs Market: EFX is poor value based on its PE Ratio (47.5x) compared to the US market (18.3x).


Price to Earnings Growth Ratio

PEG Ratio: EFX is poor value based on its PEG Ratio (2.6x)


Price to Book Ratio

PB vs Industry: EFX is overvalued based on its PB Ratio (9.3x) compared to the US Professional Services industry average (3x).


Future Growth

How is Equifax forecast to perform in the next 1 to 3 years based on estimates from 18 analysts?

18.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: EFX's forecast earnings growth (18.5% per year) is above the savings rate (2%).

Earnings vs Market: EFX's earnings (18.5% per year) are forecast to grow faster than the US market (14.7% per year).

High Growth Earnings: EFX's earnings are forecast to grow, but not significantly.

Revenue vs Market: EFX's revenue (7.6% per year) is forecast to grow slower than the US market (9.9% per year).

High Growth Revenue: EFX's revenue (7.6% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: EFX's Return on Equity is forecast to be high in 3 years time (29.2%)


Past Performance

How has Equifax performed over the past 5 years?

-3.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: EFX has high quality earnings.

Growing Profit Margin: EFX's current net profit margins (14.5%) are higher than last year (12%).


Past Earnings Growth Analysis

Earnings Trend: EFX's earnings have declined by 3.6% per year over the past 5 years.

Accelerating Growth: EFX's earnings growth over the past year (48.3%) exceeds its 5-year average (-3.6% per year).

Earnings vs Industry: EFX earnings growth over the past year (48.3%) exceeded the Professional Services industry 21.4%.


Return on Equity

High ROE: EFX's Return on Equity (19.8%) is considered low.


Financial Health

How is Equifax's financial position?


Financial Position Analysis

Short Term Liabilities: EFX's short term assets ($2.9B) exceed its short term liabilities ($1.9B).

Long Term Liabilities: EFX's short term assets ($2.9B) do not cover its long term liabilities ($5.6B).


Debt to Equity History and Analysis

Debt Level: EFX's debt to equity ratio (153.9%) is considered high.

Reducing Debt: EFX's debt to equity ratio has increased from 102% to 153.9% over the past 5 years.

Debt Coverage: EFX's debt is well covered by operating cash flow (22.8%).

Interest Coverage: EFX's interest payments on its debt are well covered by EBIT (7.4x coverage).


Balance Sheet


Dividend

What is Equifax current dividend yield, its reliability and sustainability?

0.57%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: EFX's dividend (0.58%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.27%).

High Dividend: EFX's dividend (0.58%) is low compared to the top 25% of dividend payers in the US market (3.48%).


Stability and Growth of Payments

Stable Dividend: EFX is not paying a notable dividend for the US market, therefore no need to check if payments are stable.

Growing Dividend: EFX is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.


Current Payout to Shareholders

Dividend Coverage: EFX is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of EFX's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.1yrs

Average management tenure


CEO

Mark Begor (63 yo)

3.5yrs

Tenure

US$13,701,224

Compensation

Mr. Mark W. Begor serves as the Chief Executive Officer and Director of Equifax Inc. since April 16, 2018. Mr. Begor has been Lead Independent Director at NCR Corporation since April 20, 2021. He is Indepe...


CEO Compensation Analysis

Compensation vs Market: Mark's total compensation ($USD13.70M) is about average for companies of similar size in the US market ($USD11.15M).

Compensation vs Earnings: Mark's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: EFX's management team is considered experienced (3.1 years average tenure).


Board Members

Experienced Board: EFX's board of directors are considered experienced (3.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Equifax Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Equifax Inc.
  • Ticker: EFX
  • Exchange: NYSE
  • Founded: 1899
  • Industry: Research and Consulting Services
  • Sector: Commercial Services
  • Market Cap: US$33.059b
  • Shares outstanding: 122.00m
  • Website: https://www.equifax.com

Number of Employees


Location

  • Equifax Inc.
  • 1550 Peachtree Street, NW
  • Atlanta
  • Georgia
  • 30309
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/26 22:31
End of Day Share Price2021/10/26 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


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 here.