NYSE:EFX

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

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


Market Performance


7 Day Return

-3.1%

NYSE:EFX

1.1%

US Professional Services

1.1%

US Market


1 Year Return

3.0%

NYSE:EFX

9.4%

US Professional Services

2.1%

US Market

EFX underperformed the Professional Services industry which returned 8.8% over the past year.

EFX outperformed the Market in United States of America which returned 2% over the past year.


Share holder returns

EFXIndustryMarket
7 Day-3.1%1.1%1.1%
30 Day-2.6%0.6%3.7%
90 Day5.4%5.3%2.3%
1 Year4.4%3.0%10.4%9.4%4.4%2.1%
3 Year10.5%6.4%51.6%46.4%47.0%37.4%
5 Year96.0%84.5%82.5%72.6%61.6%43.8%

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

6.65x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Equifax's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Equifax's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Equifax is loss making, we can't compare its value to the US Professional Services industry average.

Equifax is loss making, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Equifax, we can't assess if its growth is good value.


Price Based on Value of Assets

Equifax is overvalued based on assets compared to the US Professional Services industry average.


Next Steps

Future Growth

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

108.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Equifax's revenue is expected to grow by 5.6% yearly, however this is not considered high growth (20% yearly).

Equifax's earnings are expected to grow significantly at over 20% yearly.

Equifax's revenue growth is positive but not above the United States of America market average.

Equifax's earnings growth is expected to exceed the United States of America market average.

Equifax's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Equifax is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).


Next Steps

Past Performance

How has Equifax performed over the past 5 years?

-13.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Equifax does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare Equifax's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Equifax's 1-year growth to the US Professional Services industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Equifax has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Equifax has efficiently used its assets last year compared to the US Professional Services industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Equifax improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Equifax's financial position?


Financial Position Analysis

Equifax's short term (1 year) commitments are greater than its holdings of cash and other short term assets.

Equifax's long term commitments exceed its cash and other short term assets.


Debt to Equity History and Analysis

Equifax's level of debt (110.7%) compared to net worth is high (greater than 40%).

The level of debt compared to net worth has increased over the past 5 years (63.7% vs 110.7% today).

Debt is not well covered by operating cash flow (19.7%, less than 20% of total debt).

Equifax is making a loss, therefore interest payments are not well covered by earnings.


Balance Sheet

Low level of unsold assets.

Debt is not covered by short term assets, assets are 0.3x debt.


Next Steps

Dividend

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

1.15%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Equifax's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.45%).

Equifax's dividend is below the markets top 25% of dividend payers in United States of America (3.67%).

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

The company is paying a dividend however it is incurring a loss.


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (4.3x coverage).


Next Steps

Management

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

1.6yrs

Average management tenure


CEO

Mark Begor (61yo)

1.4yrs

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

Mark's remuneration is higher than average for companies of similar size in United States of America.

Insufficient data for Mark to compare compensation growth.


Management Age and Tenure

1.6yrs

Average Tenure

57yo

Average Age

The average tenure for the Equifax management team is less than 2 years, this suggests a new team.


Board Age and Tenure

2.3yrs

Average Tenure

61.5yo

Average Age

The average tenure for the Equifax board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Mark Begor (61yo)

    CEO & Director

    • Tenure: 1.4yrs
    • Compensation: US$20.01m
  • John Kelley (58yo)

    Corporate VP

    • Tenure: 6.7yrs
    • Compensation: US$3.24m
  • John Gamble (56yo)

    Corporate VP & CFO

    • Tenure: 5.3yrs
    • Compensation: US$3.88m
  • Paulino do Rego Barros (63yo)

    Executive

    • Tenure: 0.6yrs
    • Compensation: US$4.27m
  • Bryson Koehler (43yo)

    Chief Technology Officer

    • Tenure: 1.3yrs
    • Compensation: US$6.38m
  • Mark Rohrwasser

    Chief Information Officer for Equifax international business unit

    • Tenure: 2yrs
  • Jamil Farshchi (41yo)

    Chief Information Security Officer

    • Tenure: 1.6yrs
    • Compensation: US$3.89m
  • Trevor Burns

    Senior Vice President of Investor relations

    • Tenure: 1.7yrs
  • James Griggs

    Chief Accounting Officer & Corporate Controller

    • Tenure: 1yrs
  • Kent Lindner

    Senior Vice President of Enterprise Risk & Compliance

    • Tenure: 0yrs

Board Members

  • Bob Selander (69yo)

    Independent Director

    • Tenure: 1.5yrs
    • Compensation: US$422.62k
  • Mark Feidler (62yo)

    Independent Chairman of the Board

    • Tenure: 2yrs
    • Compensation: US$330.41k
  • Siri Marshall (70yo)

    Independent Director

    • Tenure: 13.1yrs
    • Compensation: US$287.77k
  • Mark Begor (61yo)

    CEO & Director

    • Tenure: 1.4yrs
    • Compensation: US$20.01m
  • John McKinley (61yo)

    Independent Director

    • Tenure: 10.9yrs
    • Compensation: US$290.40k
  • Rob Marcus (53yo)

    Independent Director

    • Tenure: 5.8yrs
    • Compensation: US$290.40k
  • Scott McGregor (63yo)

    Independent Director

    • Tenure: 1.9yrs
    • Compensation: US$277.49k
  • Tom Hough (64yo)

    Independent Director

    • Tenure: 2.9yrs
    • Compensation: US$296.41k
  • Elane Stock (54yo)

    Independent Director

    • Tenure: 2.7yrs
    • Compensation: US$293.57k
  • Heather Wilson (47yo)

    Independent Director

    • Tenure: 0.6yrs

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$16.921b
  • Shares outstanding: 120.88m
  • Website: https://www.equifax.com

Number of Employees


Location

  • Equifax Inc.
  • 1550 Peachtree Street, N.W.
  • 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

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 Analysis2019/09/16 23:35
End of Day Share Price2019/09/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.