Market Cap
US$19.3b
Last Updated
2020/02/19 23:56 UTC
Data Sources
Company Financials +
Executive Summary
Equifax Inc. provides information solutions and human resources business process outsourcing services for businesses, governments, and consumers.
Rewards
Risk Analysis
Snowflake Analysis
Reasonable growth potential second-rate dividend payer.
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 has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
4.8%
EFX
1.4%
US Professional Services
0.5%
US Market
1 Year Return
49.7%
EFX
31.4%
US Professional Services
20.3%
US Market
Return vs Industry: EFX exceeded the US Professional Services industry which returned 31.4% over the past year.
Return vs Market: EFX exceeded the US Market which returned 20.3% over the past year.
Shareholder returns
| EFX | Industry | Market | |
|---|---|---|---|
| 7 Day | 4.8% | 1.4% | 0.5% |
| 30 Day | 5.8% | 3.8% | 2.0% |
| 90 Day | 17.3% | 14.0% | 9.4% |
| 1 Year | 51.6%49.7% | 32.6%31.4% | 22.8%20.3% |
| 3 Year | 30.3%25.4% | 63.6%58.3% | 50.1%40.4% |
| 5 Year | 84.7%73.9% | 83.3%73.3% | 73.1%54.1% |
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
5 days ago | Simply Wall St
Equifax Inc. Just Reported And Analysts Have Been Lifting Their Price Targets1 week ago | Simply Wall St
At US$155, Is It Time To Put Equifax Inc. (NYSE:EFX) On Your Watch List?4 weeks ago | Simply Wall St
Something To Consider Before Buying Equifax Inc. (NYSE:EFX) For The 1.0% DividendValuation
Is Equifax undervalued compared to its fair value and its price relative to the market?
7.61x
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: EFX ($161.88) is trading above our estimate of fair value ($124.62)
Significantly Below Fair Value: EFX is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: EFX is unprofitable, so we can't compare its PE Ratio to the Professional Services industry average.
PE vs Market: EFX is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate EFX's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: EFX is overvalued based on its PB Ratio (7.6x) compared to the US Professional Services industry average (2.7x).
Next Steps
Future Growth
How is Equifax forecast to perform in the next 1 to 3 years based on estimates from 17 analysts?
82.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: EFX is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.7%).
Earnings vs Market: EFX is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: EFX's is expected to become profitable in the next 3 years.
Revenue vs Market: EFX's revenue (6% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: EFX's revenue (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 (22.5%)
Next Steps
Past Performance
How has Equifax performed over the past 5 years?
-30.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EFX is currently unprofitable.
Growing Profit Margin: EFX is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: EFX is unprofitable, and losses have increased over the past 5 years at a rate of -30.8% per year.
Accelerating Growth: Unable to compare EFX's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: EFX is unprofitable, making it difficult to compare its past year earnings growth to the Professional Services industry (10.6%).
Return on Equity
High ROE: EFX has a negative Return on Equity (-14.98%), as it is currently unprofitable.
Return on Assets
Return on Capital Employed
Next Steps
Financial Health
How is Equifax's financial position?
Financial Position Analysis
Short Term Liabilities: EFX's short term assets ($1.2B) do not cover its short term liabilities ($1.4B).
Long Term Liabilities: EFX's short term assets ($1.2B) do not cover its long term liabilities ($3.9B).
Debt to Equity History and Analysis
Debt Level: EFX's debt to equity ratio (125%) is considered high.
Reducing Debt: EFX's debt to equity ratio has increased from 68.3% to 125% over the past 5 years.
Balance Sheet
Inventory Level: EFX has a low level of unsold assets or inventory.
Debt Coverage by Assets: EFX's debt is not covered by short term assets (assets are 0.4x debt).
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: EFX has been profitable on average in the past, therefore cash runway is not a concern.
Forecast Cash Runway: EFX has been profitable on average in the past, therefore cash runway is not a concern.
Next Steps
Dividend
What is Equifax's current dividend yield, its reliability and sustainability?
0.96%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: EFX's dividend (0.96%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.44%).
High Dividend: EFX's dividend (0.96%) is low compared to the top 25% of dividend payers in the US market (3.73%).
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: EFX is paying a dividend but the company is unprofitable.
Future Payout to Shareholders
Future Dividend Coverage: EFX's dividends in 3 years are forecast to be well covered by earnings (22.7% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.0yrs
Average management tenure
CEO
Mark Begor (61yo)
1.8yrs
Tenure
US$20,013,712
Compensation
Mr. Mark W. Begor serves as the Chief Executive Officer and Director of Equifax Inc. since April 16, 2018. He served as Managing Director of Industrial and Business Services Group at Warburg Pincus LLC sin ...
CEO Compensation Analysis
Compensation vs Market: Mark's total compensation ($USD20.01M) is above average for companies of similar size in the US market ($USD10.78M).
Compensation vs Earnings: Insufficient data to compare Mark's compensation with company performance.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 1.8yrs | US$20.01m | 0.0072% $1.4m | |
| Corporate VP & CFO | 5.8yrs | US$3.88m | 0.037% $7.2m | |
| Chief Technology Officer | 1.7yrs | US$6.38m | 0.0069% $1.3m | |
| Corporate VP | 7.1yrs | US$3.24m | 0.012% $2.3m | |
| Chief Information Security Officer | 2yrs | US$3.89m | 0.0048% $926.7k | |
| Chief Accounting Officer & Corporate Controller | 1.4yrs | no data | 0.0032% $626.8k | |
| Chief Information Officer for Equifax international business unit | 2.4yrs | no data | no data | |
| Senior Vice President of Investor relations | 2.1yrs | no data | no data | |
| Senior Vice President of Enterprise Risk & Compliance | 0yrs | no data | no data | |
| Chief Communications Officer | 0.7yrs | no data | no data |
2.0yrs
Average Tenure
56yo
Average Age
Experienced Management: EFX's management team is considered experienced (2 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 1.8yrs | US$20.01m | 0.0072% $1.4m | |
| Independent Director | 1.9yrs | US$422.62k | no data | |
| Independent Chairman of the Board | 2.4yrs | US$330.41k | 0.013% $2.5m | |
| Independent Director | 13.5yrs | US$287.77k | 0.026% $5.0m | |
| Independent Director | 11.3yrs | US$290.40k | 0.021% $4.0m | |
| Independent Director | 6.3yrs | US$290.40k | 0.0071% $1.4m | |
| Independent Director | 2.3yrs | US$277.49k | no data | |
| Independent Director | 3.3yrs | US$296.41k | 0.0044% $843.5k | |
| Independent Director | 3.1yrs | US$293.57k | 0.0011% $205.1k | |
| Independent Director | 1yrs | no data | no data |
2.8yrs
Average Tenure
61.5yo
Average Age
Experienced Board: EFX's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
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$19.347b
- Shares outstanding: 121.20m
- Website: https://www.equifax.com
Number of Employees
Location
- Equifax Inc.
- 1550 Peachtree Street, N.W.
- 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 |
| 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 | 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. 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 Internet. The company 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, India, the United Kingdom, Spain, Portugal, Argentina, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru, Uruguay, Brazil, the Republic of Ireland, Russia, India, Cambodia, Malaysia, Singapore, and the United Arab Emirates. Equifax Inc. was founded in 1899 and is headquartered in Atlanta, Georgia.
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/02/19 23:56 |
| End of Day Share Price | 2020/02/19 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/12/31 |
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.