NYSE:EFX

Stock Analysis Report

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Executive Summary

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


Snowflake Analysis

Average dividend payer with moderate growth potential.


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

-1.9%

EFX

-2.8%

US Professional Services

-3.1%

US Market


1 Year Return

9.3%

EFX

9.6%

US Professional Services

12.7%

US Market

Return vs Industry: EFX matched the US Professional Services industry which returned 9.6% over the past year.

Return vs Market: EFX underperformed the US Market which returned 12.7% over the past year.


Shareholder returns

EFXIndustryMarket
7 Day-1.9%-2.8%-3.1%
30 Day-2.1%-3.2%-2.9%
90 Day-7.1%7.7%8.2%
1 Year10.4%9.3%10.4%9.6%15.3%12.7%
3 Year52.1%46.6%52.2%47.5%37.8%28.5%
5 Year70.4%60.6%99.8%89.1%90.9%69.4%

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

Valuation

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

2.7%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: EFX ($156.09) is trading below our estimate of fair value ($160.48)

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 (63.3x) compared to the US Professional Services industry average (20.3x).

PE vs Market: EFX is poor value based on its PE Ratio (63.3x) compared to the US market (17.8x).


Price to Earnings Growth Ratio

PEG Ratio: EFX is poor value based on its PEG Ratio (2.2x)


Price to Book Ratio

PB vs Industry: EFX is overvalued based on its PB Ratio (7x) compared to the US Professional Services industry average (2.4x).


Next Steps

Future Growth

How is Equifax forecast to perform in the next 1 to 3 years based on estimates from 19 analysts?

29.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: EFX's forecast earnings growth (29.1% per year) is above the savings rate (2.2%).

Earnings vs Market: EFX's earnings (29.1% per year) are forecast to grow faster than the US market (23.1% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: EFX's revenue (5.1% per year) is forecast to grow slower than the US market (9.9% per year).

High Growth Revenue: EFX's revenue (5.1% 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 low in 3 years time (19.4%).


Next Steps

Past Performance

How has Equifax performed over the past 5 years?

-29.8%

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 29.8% 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 (-1.7%).


Return on Equity

High ROE: EFX's Return on Equity (11.1%) is considered low.


Next Steps

Financial Health

How is Equifax's financial position?


Financial Position Analysis

Short Term Liabilities: EFX's short term assets ($2.1B) exceed its short term liabilities ($1.7B).

Long Term Liabilities: EFX's short term assets ($2.1B) do not cover its long term liabilities ($4.4B).


Debt to Equity History and Analysis

Debt Level: EFX's debt to equity ratio (156.4%) is considered high.

Reducing Debt: EFX's debt to equity ratio has increased from 66.9% to 156.4% over the past 5 years.

Debt Coverage: EFX's debt is not well covered by operating cash flow (8.1%).

Interest Coverage: EFX's interest payments on its debt are well covered by EBIT (4.6x coverage).


Balance Sheet


Next Steps

Dividend

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

1.00%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: EFX's dividend (1%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.71%).

High Dividend: EFX's dividend (1%) is low compared to the top 25% of dividend payers in the US market (4.88%).


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 reasonable payout ratio (63.3%), EFX's dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: EFX's dividends in 3 years are forecast to be well covered by earnings (21.3% payout ratio).


Next Steps

Management

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

2.1yrs

Average management tenure


CEO

Mark Begor (62 yo)

2.42yrs

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 ($USD14.28M) is about average for companies of similar size in the US market ($USD11.33M).

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


Leadership Team

NamePositionTenureCompensationOwnership
Mark Begor
CEO & Director2.42yrsUS$14.28m0.0072%
$ 1.4m
John Gamble
Corporate VP & CFO6.33yrsUS$4.85m0.025%
$ 4.7m
Rodolfo Ploder
President of Workforce Solutions4.83yrsUS$4.33m0.039%
$ 7.4m
Sid Singh
President of United States Information Solutions1.58yrsUS$6.78m0.0062%
$ 1.2m
Beverly Anderson
President of Global Consumer Solutions0.75yrUS$3.31mno data
James Griggs
Chief Accounting Officer & Corporate Controller2yrsno data0.0039%
$ 733.7k
Bryson Koehler
Chief Technology Officer2.25yrsUS$6.38m0.0067%
$ 1.3m
Dorian Hare
Senior Vice President of Corporate Investor Relationsno datano datano data
John Kelley
Corporate VP7.67yrsUS$3.24m0.0031%
$ 591.5k
Kent Lindner
Senior Vice President of Enterprise Risk & Complianceno datano datano data
Amanda Rosseter
Chief Communications Officer1.25yrsno datano data
Lindsay Parker
Chief Marketing Officer & Marketing Officer of US Information Services0.42yrno datano data

2.1yrs

Average Tenure

58yo

Average Age

Experienced Management: EFX's management team is considered experienced (2.1 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Mark Begor
CEO & Director2.42yrsUS$14.28m0.0072%
$ 1.4m
Robert Selander
Independent Director2.5yrsUS$297.53k0.0024%
$ 460.7k
Mark Feidler
Independent Chairman of the Board3yrsUS$385.03k0.015%
$ 2.9m
Siri Marshall
Independent Director14.08yrsUS$292.73k0.028%
$ 5.3m
John McKinley
Independent Director11.92yrsUS$302.77k0.023%
$ 4.4m
Robert Marcus
Independent Director6.83yrsUS$300.27k0.0095%
$ 1.8m
Scott McGregor
Independent Director2.92yrsUS$295.03k0.0024%
$ 462.6k
G. Hough
Independent Director3.92yrsUS$287.53k0.0078%
$ 1.5m
Elane Stock
Independent Director3.67yrsUS$282.77k0.0047%
$ 883.5k
Heather Wilson
Independent Director1.58yrsUS$434.87k0.0012%
$ 219.9k

3.3yrs

Average Tenure

62.5yo

Average Age

Experienced Board: EFX's board of directors are considered experienced (3.3 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$18.958b
  • Shares outstanding: 121.46m
  • Website: https://www.equifax.com

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
EFXNYSE (New York Stock Exchange)YesCommon StockUSUSDJan 1969
EFXDB (Deutsche Boerse AG)YesCommon StockDEEURJan 1969
0II3LSE (London Stock Exchange)YesCommon StockGBUSDJan 1969
E1FX34BOVESPA (Bolsa de Valores de Sao Paulo)BDR EACH 4 REPR 1 COM USD1.25BRBRLJan 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/09/23 06:14
End of Day Share Price2020/09/22 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.