| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 3/6 |
| Past Performance | 4/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
EFX Overview
Equifax Inc. provides information solutions and human resources business process outsourcing services for businesses, governments, and consumers.
Equifax Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$270.97 |
| 52 Week High | US$135.98 |
| 52 Week Low | US$279.59 |
| Beta | 1.43 |
| 1 Month Change | 2.06% |
| 3 Month Change | 4.66% |
| 1 Year Change | 83.32% |
| 3 Year Change | 173.62% |
| 5 Year Change | 119.16% |
| Change since IPO | 3,313.79% |
Recent News & Updates
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...
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...
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
| EFX | US Professional Services | US Market | |
|---|---|---|---|
| 7D | -0.8% | 0.7% | 0.9% |
| 1Y | 83.3% | 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
| EFX volatility | |
|---|---|
| EFX Beta | 1.43 |
| Industry Beta | 1.07 |
| Market Beta | 1 |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1899 | 11,400 | Mark Begor | https://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
| EFX fundamental statistics | |
|---|---|
| Market Cap | US$33.06b |
| Earnings (TTM) | US$696.50m |
| Revenue (TTM) | US$4.79b |
47.5x
P/E Ratio6.9x
P/S RatioIs EFX overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| EFX income statement (TTM) | |
|---|---|
| Revenue | US$4.79b |
| Cost of Revenue | US$1.94b |
| Gross Profit | US$2.85b |
| Expenses | US$2.16b |
| Earnings | US$696.50m |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 5.71 |
| Gross Margin | 59.57% |
| Net Profit Margin | 14.54% |
| Debt/Equity Ratio | 153.9% |
How did EFX perform over the long term?
See historical performance and comparisonDividends
0.6%
Current Dividend Yield27%
Payout RatioValuation
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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/26 22:31 |
| End of Day Share Price | 2021/10/26 00:00 |
| Earnings | 2021/09/30 |
| 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.