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Equifax

NYSE:EFX
Snowflake Description

Established dividend payer with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
EFX
NYSE
$13B
Market Cap
  1. Home
  2. US
  3. Commercial Services
Company description

Equifax Inc. provides information solutions and human resources business process outsourcing services for businesses, governments, and consumers. The last earnings update was 116 days ago. More info.


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EFX Share Price and Events
7 Day Returns
1.9%
NYSE:EFX
3.3%
US Professional Services
1.2%
US Market
1 Year Returns
-6.9%
NYSE:EFX
8.3%
US Professional Services
0.9%
US Market
EFX Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Equifax (EFX) 1.9% 4.9% 8.3% -6.9% 5.8% 56.5%
US Professional Services 3.3% 10.5% 4.4% 8.3% 40.2% 40.9%
US Market 1.2% 6.6% 1.2% 0.9% 44.3% 41.3%
1 Year Return vs Industry and Market
  • EFX underperformed the Professional Services industry which returned 8.3% over the past year.
  • EFX underperformed the Market in United States of America which returned 0.9% over the past year.
Price Volatility
EFX
Industry
5yr Volatility vs Market
Related Companies

Value

 Is Equifax undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Equifax to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Equifax.

NYSE:EFX Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Average of 17 Analyst Estimates (S&P Global) See below
Discount Rate (Cost of Equity) See below 10.7%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NYSE:EFX
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 7.3%
Professional Services Unlevered Beta Simply Wall St/ S&P Global 0.94
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.943 (1 + (1- 21%) (19.97%))
1.092
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.09
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.092 * 7.27%)
10.67%

Discounted Cash Flow Calculation for NYSE:EFX using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for Equifax is arrived at by discounting future cash flows to their present value using the 2 stage method. We use analyst's estimates of cash flows going forward 5 years for the 1st stage, the 2nd stage assumes the company grows at a stable rate into perpetuity.

NYSE:EFX DCF 1st Stage: Next 5 year cash flow forecast
2019 2020 2021 2022 2023
Levered FCF (USD, Millions) 552.98 779.03 825.50 893.00 965.50
Source Analyst x7 Analyst x4 Analyst x2 Analyst x2 Analyst x2
Present Value
Discounted (@ 10.67%)
499.68 636.07 609.04 595.33 581.61
Present value of next 5 years cash flows $2,921.72
NYSE:EFX DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2023 × (1 + g) ÷ (Discount Rate – g)
= $965.50 × (1 + 2.73%) ÷ (10.67% – 2.73%)
$12,494.22
Present Value of Terminal Value = Terminal Value ÷ (1 + r)5
= $12,494.22 ÷ (1 + 10.67%)5
$7,526.42
NYSE:EFX Total Equity Value
Calculation Result
Total Equity Value = Present value of next 5 years cash flows + Terminal Value
= $2,921.72 + $7,526.42
$10,448.14
Equity Value per Share
(USD)
= Total value / Shares Outstanding
= $10,448.14 / 120.58
$86.65
NYSE:EFX Discount to Share Price
Calculation Result
Value per share (USD) From above. $86.65
Current discount Discount to share price of $109.31
= -1 x ($109.31 - $86.65) / $86.65
-26.1%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Equifax is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Equifax's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Equifax's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NYSE:EFX PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-09-30) in USD $3.71
NYSE:EFX Share Price ** NYSE (2019-02-15) in USD $109.31
United States of America Professional Services Industry PE Ratio Median Figure of 33 Publicly-Listed Professional Services Companies 25.41x
United States of America Market PE Ratio Median Figure of 3,045 Publicly-Listed Companies 16.97x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Equifax.

NYSE:EFX PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NYSE:EFX Share Price ÷ EPS (both in USD)

= 109.31 ÷ 3.71

29.44x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Equifax is overvalued based on earnings compared to the US Professional Services industry average.
  • Equifax is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does Equifax's expected growth come at a high price?
Raw Data
NYSE:EFX PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 29.44x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 17 Analysts
26.5%per year
United States of America Professional Services Industry PEG Ratio Median Figure of 32 Publicly-Listed Professional Services Companies 1.07x
United States of America Market PEG Ratio Median Figure of 2,115 Publicly-Listed Companies 1.36x

*Line of best fit is calculated by linear regression .

NYSE:EFX PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 29.44x ÷ 26.5%

1.11x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Equifax is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Equifax's assets?
Raw Data
NYSE:EFX PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-09-30) in USD $26.41
NYSE:EFX Share Price * NYSE (2019-02-15) in USD $109.31
United States of America Professional Services Industry PB Ratio Median Figure of 56 Publicly-Listed Professional Services Companies 2.19x
United States of America Market PB Ratio Median Figure of 5,122 Publicly-Listed Companies 1.82x
NYSE:EFX PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NYSE:EFX Share Price ÷ Book Value per Share (both in USD)

= 109.31 ÷ 26.41

4.14x

* Primary Listing of Equifax.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Equifax is overvalued based on assets compared to the US Professional Services industry average.
X
Value checks
We assess Equifax's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Professional Services industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Professional Services industry average (and greater than 0)? (1 check)
  5. Equifax has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Equifax expected to perform in the next 1 to 3 years based on estimates from 17 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
26.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Equifax expected to grow at an attractive rate?
  • Equifax's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Equifax's earnings growth is expected to exceed the United States of America market average.
  • Equifax's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NYSE:EFX Future Growth Rates Data Sources
Data Point Source Value (per year)
NYSE:EFX Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 17 Analysts 26.5%
NYSE:EFX Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 17 Analysts 4.4%
United States of America Professional Services Industry Earnings Growth Rate Market Cap Weighted Average 18.4%
United States of America Professional Services Industry Revenue Growth Rate Market Cap Weighted Average 6.8%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NYSE:EFX Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 17 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NYSE:EFX Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-12-31 4,292 2
2022-12-31 4,069 2
2021-12-31 3,860 2
2020-12-31 3,735 1,094 649 12
2019-12-31 3,536 826 524 17
2018-12-31 3,418 652 374 17
NYSE:EFX Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-09-30 3,415 715 447
2018-06-30 3,416 842 504
2018-03-31 3,396 832 525
2017-12-31 3,362 816 587
2017-09-30 3,325 888 538
2017-06-30 3,294 854 575
2017-03-31 3,249 819 540
2016-12-31 3,145 823 489
2016-09-30 3,010 750 478
2016-06-30 2,873 751 463
2016-03-31 2,740 747 443
2015-12-31 2,664 769 429

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Equifax's earnings are expected to grow significantly at over 20% yearly.
  • Equifax's revenue is expected to grow by 4.4% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NYSE:EFX Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 17 Analyst Estimates (S&P Global) See Below

All data from Equifax Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:EFX Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-12-31 7.45 7.45 7.45 1.00
2022-12-31 6.78 6.78 6.78 1.00
2021-12-31 6.16 6.16 6.16 1.00
2020-12-31 5.42 6.04 4.29 6.00
2019-12-31 4.31 5.28 3.26 9.00
2018-12-31 3.07 3.43 2.48 10.00
NYSE:EFX Past Financials Data
Date (Data in USD Millions) EPS *
2018-09-30 3.71
2018-06-30 4.20
2018-03-31 4.37
2017-12-31 4.89
2017-09-30 4.48
2017-06-30 4.79
2017-03-31 4.52
2016-12-31 4.10
2016-09-30 4.01
2016-06-30 3.90
2016-03-31 3.74
2015-12-31 3.61

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Equifax is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Equifax's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Equifax has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Equifax performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Equifax's growth in the last year to its industry (Professional Services).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Equifax's year on year earnings growth rate has been positive over the past 5 years.
  • Equifax's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Equifax's 1-year earnings growth is negative, it can't be compared to the US Professional Services industry average.
Earnings and Revenue History
Equifax's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Equifax Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:EFX Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-09-30 3,415.20 446.50 1,182.10
2018-06-30 3,415.80 504.40 1,129.00
2018-03-31 3,395.70 524.90 1,098.10
2017-12-31 3,362.20 587.30 1,039.10
2017-09-30 3,324.90 538.00 988.20
2017-06-30 3,294.30 574.50 905.70
2017-03-31 3,248.80 540.00 910.80
2016-12-31 3,144.90 488.80 912.40
2016-09-30 3,010.10 477.70 923.70
2016-06-30 2,873.30 462.80 907.50
2016-03-31 2,740.10 442.90 894.50
2015-12-31 2,663.60 429.10 863.60
2015-09-30 2,621.90 415.20 835.20
2015-06-30 2,567.90 390.00 815.80
2015-03-31 2,503.70 371.80 780.60
2014-12-31 2,436.40 367.40 751.70
2014-09-30 2,390.30 346.10 728.80
2014-06-30 2,348.90 337.50 704.40
2014-03-31 2,321.90 335.20 707.40
2013-12-31 2,303.90 333.40 706.50
2013-09-30 2,259.20 301.20 701.10
2013-06-30 2,207.20 294.00 689.20
2013-03-31 2,133.60 277.60 659.50
2012-12-31 2,073.00 266.60 634.80
2012-09-30 2,048.90 295.00 619.40
2012-06-30 2,019.30 284.80 599.60
2012-03-31 1,993.10 245.20 585.50

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Equifax has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Equifax used its assets more efficiently than the US Professional Services industry average last year based on Return on Assets.
  • Equifax's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Equifax's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Professional Services industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Equifax has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Equifax's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Equifax's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Equifax is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Equifax's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Equifax's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is not covered by short term assets, assets are 0.3x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Equifax Company Filings, last reported 4 months ago.

NYSE:EFX Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-09-30 3,241.50 2,632.50 253.40
2018-06-30 3,279.70 2,632.40 327.40
2018-03-31 3,336.90 2,628.10 249.30
2017-12-31 3,239.00 2,704.30 336.40
2017-09-30 3,165.70 2,706.50 315.40
2017-06-30 3,081.40 2,832.30 403.90
2017-03-31 2,952.20 2,669.20 123.20
2016-12-31 2,721.30 2,672.20 129.30
2016-09-30 2,787.40 2,843.00 111.50
2016-06-30 2,583.40 2,946.20 96.80
2016-03-31 2,532.80 3,069.20 96.80
2015-12-31 2,350.40 1,187.70 93.30
2015-09-30 2,267.50 1,332.70 108.50
2015-06-30 2,206.60 1,480.90 84.20
2015-03-31 2,189.70 1,523.30 95.00
2014-12-31 2,234.60 1,526.10 128.30
2014-09-30 2,371.00 1,554.60 116.20
2014-06-30 2,441.20 1,555.40 94.50
2014-03-31 2,395.50 1,634.00 101.40
2013-12-31 2,341.00 1,442.00 235.90
2013-09-30 2,193.40 1,444.20 131.90
2013-06-30 2,120.00 1,505.60 104.90
2013-03-31 2,044.50 1,622.30 107.60
2012-12-31 1,959.20 1,730.70 146.80
2012-09-30 1,883.20 968.30 267.20
2012-06-30 1,827.90 968.80 183.10
2012-03-31 1,824.60 982.30 132.70
  • Equifax's level of debt (81.2%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (65.8% vs 81.2% today).
  • Debt is well covered by operating cash flow (27.1%, greater than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 5.4x coverage).
X
Financial health checks
We assess Equifax's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Equifax has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.43%
Current annual income from Equifax dividends. Estimated to be 1.47% next year.
If you bought $2,000 of Equifax shares you are expected to receive $29 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Equifax's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.43%).
  • Equifax's dividend is below the markets top 25% of dividend payers in United States of America (3.59%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NYSE:EFX Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 17 Analyst Estimates (S&P Global) See Below
United States of America Professional Services Industry Average Dividend Yield Market Cap Weighted Average of 20 Stocks 1.8%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1998 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NYSE:EFX Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31
2020-12-31 1.62 6.00
2019-12-31 1.60 9.00
2018-12-31 1.57 9.00
NYSE:EFX Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2018-11-09 1.560 1.559
2018-08-07 1.560 1.260
2018-05-03 1.560 1.281
2018-03-01 1.560 1.317
2017-11-09 1.560 1.332
2017-08-04 1.560 1.332
2017-05-04 1.560 1.120
2017-04-27 1.560 1.147
2017-04-26 1.560 1.135
2017-02-22 1.560 1.157
2017-02-08 1.560 1.210
2016-11-03 1.320 1.112
2016-08-05 1.320 1.008
2016-05-05 1.320 1.038
2016-04-29 1.320 1.098
2016-04-27 1.320 1.103
2016-02-24 1.320 1.181
2016-02-10 1.320 1.323
2015-11-05 1.160 1.085
2015-10-22 1.160 1.091
2015-10-21 1.160 1.109
2015-05-01 1.160 1.163
2015-02-11 1.160 1.241
2014-11-06 1.000 1.227
2014-08-08 1.000 1.319
2014-05-02 1.000 1.380
2014-02-13 1.000 1.439
2013-11-07 0.880 1.290
2013-08-01 0.880 1.423
2013-05-02 0.880 1.439
2013-02-06 0.880 1.545
2012-11-08 0.720 1.324
2012-08-17 0.720 1.501
2012-05-03 0.720 1.551
2012-02-10 0.720 1.652
2011-11-03 0.640 1.695
2011-08-15 0.640 2.005
2011-05-05 0.640 1.838
2011-02-11 0.640 1.727
2010-11-08 0.640 1.798
2010-08-17 0.160 0.513
2010-05-07 0.160 0.531
2010-02-05 0.160 0.472
2009-11-06 0.160 0.522
2009-08-14 0.160 0.572
2009-05-08 0.160 0.600
2009-02-19 0.160 0.657

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Equifax's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (2.4x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (4.3x coverage).
X
Income/ dividend checks
We assess Equifax's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Equifax afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Equifax has a total score of 5/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Equifax's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Mark Begor
AGE 60
TENURE AS CEO 0.8 years
CEO Bio

Mr. Mark W. Begor serves as the Chief Executive Officer and Director of Equifax Inc. since April 16, 2018. He served as Managing Director of Industrial and Business Services Group at Warburg Pincus LLC since June 27, 2016 and had been its Managing Partner since June 2016. Mr. Begor worked with Warburg Pincus' portfolio companies to accelerate growth and enhance operations, as well as help to identify and evaluate investment opportunities. He joined Warburg Pincus from General Electric ("GE"), where he spent 35 years. His roles during his tenure at GE, also included leadership positions in Commercial Real Estate, Capital Restructuring Operations and U.S. Consumer Credit Card businesses. He served as the Chief Executive Officer and President at GE Energy Management, Inc. from April 2014 to October 1, 2015. Mr. Begor served as the President and Chief Executive Officer of GE Real Estate (also known as GE Capital Real Estate) from April 1, 2011 to April 2014. He served as Chief Executive Officer & President of GE Capital Restructuring Operations at General Electric Company since April 1, 2011. He served as the Chief Executive Officer and President of Retail Finance & Restructuring Operations at GE Corporate Financial Services, Inc. and General Electric Company since 2008. He served as the Chief Executive Officer and President at GE Capital Retail Bank (formerly GE Money Bank, Synchrony Bank) (Stamford, CT) since 2003. Mr. Begor joined GE Money as the Chief Operating Officer in January 2002. He was a Senior Vice President of GE Consumer Finance Americas Operations at General Electric Co. since July 2005. He served as the Chief Executive Officer and President of GE Money Americas at General Electric Co. He also served as GE's Investor Relations leader. Beyond his operating experience, he oversaw a large number of acquisitions and dispositions during his GE career. At NBCUniversal Media, LLC, he served as an Executive Vice President, Head of Business Development and Chief Financial Officer from April 1998 to 2002. Mr. Begor worked at ValueVision Media Inc. (now EVINE Live Inc.). Mr. Begor was responsible for its global finance, accounting, tax and information technology activities. He began his career at GE in 1980 and held various financial positions in GE and GE Plastics, including Manager of Finance and Business Development for GE Plastics Pacific in Singapore and as General Manager of Global Sourcing and Petrochemicals operations at GE Plastics since October 1993. From 1989 to 1993, Mr. Begor worked in a variety of roles at GE Plastics, including three years in Singapore as the Chief Financial Officer and Business Development Leader. From August 1995 to March 1998, he was the Head/Manager of Investor Communications at GE. Mr. Begor was a Corporate Officer at GE since December 1996. He was a Member of Corporate Audit Staff at GE. He serves as a Director of BAC COM - GECF INC. Mr. Begor serves on Corporate Executive Council of GE. He serves on the Boards of MasterCard International. Mr. Begor is a Director of Crossmark, Hygiena, and Service Logic and was that of Total Safety. He served as a Director of Fair Isaac Corporation since March 21, 2016 until April 2, 2018. Mr. Begor serves as a Director of Kids in Crisis and St. Luke's School. He served as a Director of General Electric Capital Corporation (now GE Capital Global Holdings, LLC) and General Electric Capital Services, Inc. He served as Director of NBCUniversal Media, LLC and NBC Internet, Inc. since November 1999. He served as a Member of the Board of Managers of Snap LLC since November 1999. Mr. Begor was twice named Investor Relations Officer of the Year by Investor Relations magazine. He is a graduate of GE's Financial Management Program. Mr. Begor received an M.B.A. from Rensselaer Polytechnic Institute and a B.S. in Finance and Marketing from Syracuse University.

CEO Compensation
  • Insufficient data for Mark to compare compensation growth.
  • Insufficient data for Mark to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Equifax management team in years:

1.4
Average Tenure
57
Average Age
  • The average tenure for the Equifax management team is less than 2 years, this suggests a new team.
Management Team

John Gamble

TITLE
Corporate VP & CFO
COMPENSATION
$3M
AGE
55
TENURE
4.8 yrs

John Kelley

TITLE
Chief Legal Officer
COMPENSATION
$2M
AGE
57
TENURE
6.1 yrs

Rudy Ploder

TITLE
President of Workforce Solutions
COMPENSATION
$3M
AGE
57
TENURE
3.3 yrs

Paulino do Rego Barros

TITLE
Executive
COMPENSATION
$4M
AGE
62

Mark Begor

TITLE
CEO & Director
AGE
60
TENURE
0.8 yrs

Andy Bodea

TITLE
Chief Global Operations Officer
TENURE
8.8 yrs

James Griggs

TITLE
Chief Accounting Officer & Corporate Controller
TENURE
0.4 yrs

Bryson Koehler

TITLE
Chief Technology Officer
AGE
42
TENURE
0.7 yrs

Mark Rohrwasser

TITLE
Chief Information Officer for Equifax international business unit
TENURE
1.4 yrs

Trevor Burns

TITLE
Senior Vice President of Investor relations
TENURE
1.1 yrs
Board of Directors Tenure

Average tenure and age of the Equifax board of directors in years:

2.1
Average Tenure
61
Average Age
  • The average tenure for the Equifax board of directors is less than 3 years, this suggests a new board.
Board of Directors

Mark Feidler

TITLE
Non-Executive Chairman of the Board
COMPENSATION
$304K
AGE
61
TENURE
1.4 yrs

Mark Begor

TITLE
CEO & Director
AGE
60
TENURE
0.8 yrs

Siri Marshall

TITLE
Director
COMPENSATION
$288K
AGE
69
TENURE
12.5 yrs

John McKinley

TITLE
Director
COMPENSATION
$292K
AGE
60
TENURE
10.3 yrs

Rob Marcus

TITLE
Director
COMPENSATION
$287K
AGE
52
TENURE
5.3 yrs

Tom Hough

TITLE
Director
COMPENSATION
$287K
AGE
63
TENURE
2.3 yrs

Elane Stock

TITLE
Director
COMPENSATION
$450K
AGE
53
TENURE
2.1 yrs

Scott McGregor

TITLE
Director
COMPENSATION
$193K
AGE
62
TENURE
1.3 yrs

Bob Selander

TITLE
Independent Director
AGE
68
TENURE
0.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
30. May 18 Buy Mark Begor Individual 25. May 18 25. May 18 8,700 $115.01 $1,000,627
X
Management checks
We assess Equifax's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Equifax has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Equifax Inc.’s (NYSE:EFX) Investment Returns Are Lagging Its Industry

In particular, we'll consider its Return On Capital Employed (ROCE), as that can give us insight into how profitably the company is able to employ capital in its business. … Return On Capital Employed (ROCE): What is it? … ROCE measures the 'return' (pre-tax profit) a company generates from capital employed in its business.

Simply Wall St -

Does Equifax Inc (NYSE:EFX) Generate Enough Cash?

I’ve analysed below, the health and outlook of Equifax’s cash flow, which will help you understand the stock from a cash standpoint. … Equifax generates cash through its day-to-day business, which needs to be reinvested into the company in order for it to continue operating. … There are two methods I will use to evaluate the quality of Equifax’s FCF: firstly, I will measure its FCF yield relative to the market index yield; secondly, I will examine whether its operating cash flow will continue to grow into the future, which will give us a sense of sustainability

Simply Wall St -

Is Now An Opportune Moment To Examine Equifax Inc (NYSE:EFX)?

saw significant share price volatility over the past couple of months on the NYSE, rising to the highs of $138.06 and falling to the lows of $96.62. … A question to answer is whether Equifax's current trading price of $96.62 reflective of the actual value of the? … Let’s take a look at Equifax’s outlook and value based on the most recent financial data to see if there are any catalysts for a price change

Simply Wall St -

Is Equifax Inc (NYSE:EFX) Attractive At Its Current PE Ratio?

I am writing today to help inform people who are new to the stock market. … and want to learn about the link between company’s fundamentals and stock market performance. … I will deconstruct the P/E ratio and highlight what you need to be careful of when using the P/E ratio

Simply Wall St -

Is Equifax Inc (NYSE:EFX) A Financially Sound Company?

its financial health remains the key to continued success. … Let’s take a look at Equifax’s leverage and assess its financial strength to get an idea of their ability to fund strategic acquisitions and grow through cyclical pressures. … Remember this is a very top-level look that focuses exclusively on financial health, so I recommend a deeper analysis

Simply Wall St -

Does Equifax Inc (NYSE:EFX)'s Capital Return Make The Cut?

You need to pay attention to this because your return on investment is linked to dividends and internal investments to improve the business, which can only occur if the company is expected to produce adequate earnings with the capital that has been provided. … Therefore, looking at how efficiently Equifax is able to use capital to create earnings will help us understand your potential return. … Investors use many different metrics but the analysis below focuses on return on capital employed (ROCE).

Simply Wall St -

Equifax Inc (NYSE:EFX): Earnings Expected To Remain Subdued

Based on Equifax Inc's (NYSE:EFX) earnings update in March 2018, … with earnings expected to decline by -0.78% in the upcoming year … the past 5-year average growth rate of 14.12%.

Simply Wall St -

Should You Buy Equifax Inc (NYSE:EFX)?

As a large-cap stock with high coverage by analysts, you could assume any recent changes in the company’s outlook is already priced into the stock? … However, could the stock still be trading at a relatively cheap price … Let’s take a look at Equifax’s outlook and value based on the most recent financial data to see if the opportunity still exists.

Simply Wall St -

Should You Be Tempted To Sell Equifax Inc (NYSE:EFX) At Its Current PE Ratio?

This analysis is intended to introduce important early concepts to people who are starting to invest. … and want to better understand how you can grow your money by investing in Equifax Inc (NYSE:EFX). … While EFX might seem like a stock to avoid or sell if you own it, it is important to understand the assumptions behind the P/E ratio before you make any investment decisions

Simply Wall St -

Should You Be Concerned With Equifax Inc's (NYSE:EFX) -2.80% Earnings Drop?

Understanding how Equifax Inc (NYSE:EFX) is performing as a company requires looking at more than just a years' earnings. … Today I will run you through a basic sense check to gain perspective on how Equifax is doing by comparing its latest earnings with its long-term trend as well as the performance of its professional services industry peers. … Was EFX's weak performance lately a part of a long-term decline.

Simply Wall St -

Company Info

Map
Description

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), International, Workforce Solutions, and Global Consumer Solutions. The USIS segment offers 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; mortgage loan origination information; financial marketing; and identity management services. The International segment provides information service products, which include consumer and commercial services, such as credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as offers information, technology, and services to support debt collections and recovery management. The Workforce Solutions segment provides employment, income, and social security number verification services; and payroll-based transaction and employment tax management services. The Global Consumer Solutions segment offers credit information, credit monitoring, and identity theft protection products directly to consumers through the Internet and hard-copy formats. It serves customers in financial service, mortgage, employers, consumer, commercial, telecommunication, retail, automotive, utility, brokerage, healthcare, and insurance industries, as well as state and federal governments. The company operates in the United States, Canada, Australia, New Zealand, the United Kingdom, Spain, Portugal, Argentina, Brazil, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Uruguay, Peru, the Republic of Ireland, Russia, India, Cambodia, Malaysia, Singapore, and Dubai. Equifax Inc. was founded in 1899 and is headquartered in Atlanta, Georgia.

Details
Name: Equifax Inc.
EFX
Exchange: NYSE
Founded: 1899
$13,180,061,666
120,575,077
Website: http://www.equifax.com
Address: Equifax Inc.
1550 Peachtree Street, N.W.,
Atlanta,
Georgia, 30309,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE EFX Common Stock New York Stock Exchange US USD 02. Jan 1969
DB EFX Common Stock Deutsche Boerse AG DE EUR 02. Jan 1969
LSE 0II3 Common Stock London Stock Exchange GB USD 02. Jan 1969
Number of employees
Current staff
Staff numbers
10,300
Equifax employees.
Industry
Research and Consulting Services
Commercial Services
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/02/18 01:23
End of day share price update: 2019/02/15 00:00
Last estimates confirmation: 2019/02/08
Last earnings filing: 2018/10/25
Last earnings reported: 2018/09/30
Last annual earnings reported: 2017/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.