Equifax Inc
Exchange: NYSESector: IndustrialsIndustry: Consulting Services
At Equifax, we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by approximately 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region.
Current Price
$164.04
+0.92%GoodMoat Value
$178.92
9.1% undervaluedProfile
Valuation (TTM)
Market Cap$19.73B
P/E28.24
EV$26.90B
P/B4.28
Shares Out120.27M
P/Sales3.14
Revenue$6.28B
EV/EBITDA13.15
Equifax Inc (EFX) Stock Analysis
GoodMoat Analysis
Equifax operates a credit data and analytics business with a durable moat built on proprietary data and high switching costs. While it demonstrates solid quality metrics, its current valuation appears full, offering only a marginal margin of safety.
Read full analysis
Equifax Inc. is a global data, analytics, and technology company, primarily known as one of the three major U.S. credit bureaus. Its core business involves collecting and aggregating consumer and business financial data to produce credit reports and scores, which are sold to lenders, employers, and other entities for risk assessment. This model creates significant competitive advantages. Applying the GoodMoat framework, Equifax scores well on Moat Identification criteria, particularly Proprietary Data (owning billions of consumer profiles), Switching Costs (its data is mission-critical for clients with embedded workflows), and Regulatory Barriers (operating in a highly regulated industry with high entry barriers). Its Moat Score is likely 5 or higher, passing the initial gate. On Quality Indicators, the company shows strength with an 18.0% operating margin, a 14.3% ROE, and positive free cash flow (5.4% yield), though its debt/equity ratio of 1.1 is elevated. The valuation assessment is less compelling. With a P/E of 32x and the GoodMoat Target price of $178.92, the stock trades at a mere 4% premium to that target, which falls into the 'Marginal' (10-20%) band and indicates a very thin margin of safety. Integrating this into the Decision Framework, the company passes Step 1 (Moat & Quality Gate) but enters Step 2 'With Caution' due to the full valuation. For a value investor, this suggests Equifax is a high-quality business but not currently priced with a sufficient discount to intrinsic value to warrant immediate, high-conviction interest without a more attractive entry point. Analysis based on data as of 2024-05-15.
Market Cap$19.73B
Current Price$164.04
P/E Ratio28.24
Forward P/E—
PEG Ratio0.84
EPS$5.32
Book Value$38.28
P/B Ratio4.28
EFX Financial Charts
FCF vs CAPEX
FCFCAPEX
Cash vs Debt
Net Debt: 4.9B
Revenue
3.5B
FY19
4.1B
FY20
4.9B
FY21
5.1B
FY22
5.3B
FY23
5.7B
FY24
6.1B
FY25
Net Income
—
FY19
520M
FY20
744M
FY21
696M
FY22
545M
FY23
604M
FY24
660M
FY25
EFX 52-Week Range
$157.18
$269.04
50-Day MA: $175.74200-Day MA: $209.22
Did you know?
Profit margin stands at 11.1%.
Equifax Inc (EFX) Financial Summary
Equifax Inc (EFX) is a Industrials company in the Consulting Services industry, listed on NYSE. The stock currently trades at $164.04 with a market capitalization of $19.73B.
Key valuation metrics include a P/E ratio of 28.24, price-to-book ratio of 4.28, and EPS of $5.32. The company reports a profit margin of 11.1% and return on equity of 15.2%.
EFX Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $19.73B |
| P/E Ratio | 28.24 |
| EPS | $5.32 |
| P/B Ratio | 4.28 |
| P/S Ratio | 3.14 |
| EV/EBITDA | 13.15 |
| Dividend Yield | 1.18% |
| Profit Margin | 11.1% |
| Return on Equity | 15.2% |
| Debt/Equity | 1.11 |
EFX Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY19 | $3.51B | $-384.10M |
| FY20 | $4.13B | $520.10M |
| FY21 | $4.92B | $744.20M |
| FY22 | $5.12B | $696.20M |
| FY23 | $5.27B | $545.30M |
| FY24 | $5.68B | $604.10M |
| FY25 | $6.07B | $660.30M |
Equifax Inc (EFX) Valuation
Based on GoodMoat's DCF model, Equifax Inc has a fair value estimate of $178.92. At the current price of $164.04, the stock appears 8.3% undervalued relative to our intrinsic value estimate.
EFX Quality Indicators
Equifax Inc maintains a profit margin of 11.1% and an operating margin of 18.0%. Return on equity stands at 15.2%. The current ratio is 0.60. Debt-to-equity ratio is 1.11.
About Equifax Inc
At Equifax, we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by approximately 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region.
EFX Free Cash Flow
Equifax Inc generated $1.13B in trailing twelve-month free cash flow, representing an FCF yield of 5.75%. This strong FCF yield suggests the company generates substantial cash relative to its market value.
EFX Shares Outstanding
Equifax Inc has 0.12 billion shares outstanding at a share price of $164.04, giving it a market capitalization of $19.73B.
EFX Recent Insider Trades
Recent insider transactions at Equifax Inc include:
| Insider | Type | Shares | Value |
|---|---|---|---|
| Borton Chad M (EVP, Pres Workforce Solutions) | SELL | 2,455 | $426899.95 |
| GAMBLE JOHN W JR (EVP, CFO & COO) | SELL | 3,500 | $617890.00 |
| Begor Mark W (CEO) | SELL | 1,717 | $299313.11 |