Market Cap
US$20.8b
Last Updated
2021/02/24 23:31 UTC
Data Sources
Company Financials +
Executive Summary
Equifax Inc. provides information solutions and human resources business process outsourcing services for businesses, governments, and consumers. More Details
Rewards
Risk Analysis
Snowflake Analysis
Average dividend payer with questionable track record.
Similar Companies
Share Price & News
How has Equifax's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: EFX is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: EFX's weekly volatility (4%) has been stable over the past year.
Market Performance
7 Day Return
-3.3%
EFX
-0.9%
US Professional Services
-2.5%
US Market
1 Year Return
11.3%
EFX
23.2%
US Professional Services
34.1%
US Market
Return vs Industry: EFX underperformed the US Professional Services industry which returned 23.2% over the past year.
Return vs Market: EFX underperformed the US Market which returned 34.1% over the past year.
Shareholder returns
| EFX | Industry | Market | |
|---|---|---|---|
| 7 Day | -3.3% | -0.9% | -2.5% |
| 30 Day | -4.5% | 1.3% | 0.1% |
| 90 Day | 2.8% | 4.0% | 4.5% |
| 1 Year | 12.6%11.3% | 24.1%23.2% | 37.1%34.1% |
| 3 Year | 56.9%51.1% | 58.8%54.4% | 58.0%47.9% |
| 5 Year | 69.0%59.5% | 126.7%114.4% | 131.9%106.2% |
Long-Term Price Volatility Vs. Market
How volatile is Equifax's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall St
Equifax Inc. (NYSE:EFX) Looks Like A Good Stock, And It's Going Ex-Dividend Soon3 weeks ago | Simply Wall St
Should You Be Impressed By Equifax's (NYSE:EFX) Returns on Capital?1 month ago | Simply Wall St
Equifax (NYSE:EFX) Shareholders Booked A 73% Gain In The Last Five YearsValuation
Is Equifax undervalued compared to its fair value and its price relative to the market?
19.9%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: EFX ($170.7) is trading below our estimate of fair value ($212.99)
Significantly Below Fair Value: EFX is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: EFX is poor value based on its PE Ratio (39.9x) compared to the US Professional Services industry average (28x).
PE vs Market: EFX is poor value based on its PE Ratio (39.9x) compared to the US market (21.5x).
Price to Earnings Growth Ratio
PEG Ratio: EFX is poor value based on its PEG Ratio (2.3x)
Price to Book Ratio
PB vs Industry: EFX is overvalued based on its PB Ratio (6.6x) compared to the US Professional Services industry average (3.9x).
Next Steps
Future Growth
How is Equifax forecast to perform in the next 1 to 3 years based on estimates from 19 analysts?
17.5%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: EFX's forecast earnings growth (17.5% per year) is above the savings rate (2%).
Earnings vs Market: EFX's earnings (17.5% per year) are forecast to grow slower than the US market (20.4% per year).
High Growth Earnings: EFX's earnings are forecast to grow, but not significantly.
Revenue vs Market: EFX's revenue (6.5% per year) is forecast to grow slower than the US market (10.5% per year).
High Growth Revenue: EFX's revenue (6.5% 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 (22.6%)
Next Steps
Past Performance
How has Equifax performed over the past 5 years?
-22.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EFX has high quality earnings.
Growing Profit Margin: EFX became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: EFX's earnings have declined by 22.2% per year over the past 5 years.
Accelerating Growth: EFX has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: EFX has become profitable in the last year, making it difficult to compare its past year earnings growth to the Professional Services industry (-1.1%).
Return on Equity
High ROE: EFX's Return on Equity (16.4%) is considered low.
Next Steps
Financial Health
How is Equifax's financial position?
Financial Position Analysis
Short Term Liabilities: EFX's short term assets ($2.5B) do not cover its short term liabilities ($2.5B).
Long Term Liabilities: EFX's short term assets ($2.5B) do not cover its long term liabilities ($3.9B).
Debt to Equity History and Analysis
Debt Level: EFX's debt to equity ratio (133.3%) is considered high.
Reducing Debt: EFX's debt to equity ratio has increased from 52.2% to 133.3% over the past 5 years.
Debt Coverage: EFX's debt is well covered by operating cash flow (22.1%).
Interest Coverage: EFX's interest payments on its debt are well covered by EBIT (4.9x coverage).
Balance Sheet
Next Steps
Dividend
What is Equifax current dividend yield, its reliability and sustainability?
0.91%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: EFX's dividend (0.91%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.34%).
High Dividend: EFX's dividend (0.91%) is low compared to the top 25% of dividend payers in the US market (3.75%).
Stability and Growth of Payments
Stable Dividend: EFX's dividends per share have been stable in the past 10 years.
Growing Dividend: EFX's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (36.4%), EFX's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: EFX's dividends in 3 years are forecast to be well covered by earnings (19.3% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.4yrs
Average management tenure
CEO
Mark Begor (62 yo)
2.83yrs
Tenure
US$14,281,552
Compensation
Mr. Mark W. Begor serves as the Chief Executive Officer and Director of Equifax Inc. since April 16, 2018. Mr. Begor has been Independent Director at NCR Corporation since February 2020. He brings a strong...
CEO Compensation Analysis
Compensation vs Market: Mark's total compensation ($USD14.28M) is above average for companies of similar size in the US market ($USD10.54M).
Compensation vs Earnings: Mark's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 2.83yrs | US$14.28m | 0.0071% $ 1.5m | |
| Corporate VP & CFO | 6.75yrs | US$4.85m | 0.024% $ 5.1m | |
| President of Workforce Solutions | 5.25yrs | US$4.33m | 0.039% $ 8.1m | |
| President of United States Information Solutions | 2yrs | US$6.78m | 0.0062% $ 1.3m | |
| President of Global Consumer Solutions | 1.17yrs | US$3.31m | 0.0043% $ 900.3k | |
| Chief Accounting Officer & Corporate Controller | 2.42yrs | no data | 0.0044% $ 916.9k | |
| Chief Technology Officer | 2.67yrs | US$6.38m | 0% $ 0 | |
| Senior Vice President of Corporate Investor Relations | 0.42yr | no data | no data | |
| Corporate VP | 8.08yrs | US$3.24m | 0.0029% $ 605.0k | |
| Senior Vice President of Enterprise Risk & Compliance | no data | no data | no data | |
| Chief Communications Officer | 1.67yrs | no data | no data | |
| Senior Vice President of Corporate Development | 0.33yr | no data | no data |
2.4yrs
Average Tenure
58yo
Average Age
Experienced Management: EFX's management team is considered experienced (2.4 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 2.83yrs | US$14.28m | 0.0071% $ 1.5m | |
| Independent Director | 2.92yrs | US$297.53k | 0.0024% $ 505.2k | |
| Independent Chairman of the Board | 3.42yrs | US$385.03k | 0.015% $ 3.1m | |
| Independent Director | 14.5yrs | US$292.73k | 0.028% $ 5.8m | |
| Independent Director | 12.33yrs | US$302.77k | 0.023% $ 4.8m | |
| Independent Director | 7.25yrs | US$300.27k | 0.0095% $ 2.0m | |
| Independent Director | 3.33yrs | US$295.03k | 0.0024% $ 505.2k | |
| Independent Director | 0.25yr | no data | no data | |
| Independent Director | no data | no data | no data | |
| Independent Director | 4.33yrs | US$287.53k | 0.0078% $ 1.6m | |
| Independent Director | 2yrs | US$434.87k | 0.0012% $ 241.2k |
3.4yrs
Average Tenure
62yo
Average Age
Experienced Board: EFX's board of directors are considered experienced (3.4 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 company bio, 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$20.791b
- Shares outstanding: 121.80m
- Website: https://www.equifax.com
Number of Employees
Location
- Equifax Inc.
- 1550 Peachtree Street, NW
- Atlanta
- Georgia
- 30309
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| EFX | NYSE (New York Stock Exchange) | Yes | Common Stock | US | USD | Jan 1969 |
| EFX | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Jan 1969 |
| EFX | XTRA (XETRA Trading Platform) | Yes | Common Stock | DE | EUR | Jan 1969 |
| 0II3 | LSE (London Stock Exchange) | Yes | Common Stock | GB | USD | Jan 1969 |
| E1FX34 | BOVESPA (Bolsa de Valores de Sao Paulo) | BDR EACH 4 REPR 1 COM USD1.25 | BR | BRL | Jan 2020 |
Biography
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. Informatio...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/02/24 23:31 |
| End of Day Share Price | 2021/02/24 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.