Stock Analysis
Equifax, IncorporatedEFX
P/E 27.40×· 5Y range 23.34–68.72×· bottom 3% of history
Sector: Technology · Industry: Services-Consumer Credit Reporting, Collection Agencies
AnalystsStrong Buy30 analystsP/E 27.4× sits at the 3rd percentile of its 5.086926762491444-year history.
Cash covers 3% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Profitability72
- Quality71
Risks
- Financial Health33
- Growth37
Mixed business trading cheap — priced for skepticism.
Bull Case
- ✓ROE 15.3% — efficient capital deployment
- ✓P/E 27.4× at bottom 3% of 5-year history
What's happening with EFX
Profile
Strong valuation; moat, financial health and growth lag behind.
How is each axis scored?
- Valuation77/100 · Strong
- P/E vs own history (3th pct)25/25
- FCF yield (5.8%)20/25
- P/S (2.9x)20/25
- EV/EBIT (21.1x)12/25
- Growth37/100 · Weak
- Revenue CAGR (5.4%)12/25
- Net income CAGR (-2.9%)0/25
- EPS CAGR 5Y (-3.0%)0/25
- Fwd implied growth (66.4%)25/25
- Profitability72/100 · Moderate
- ROIC (9.3%)12/25
- ROE (15.3%)20/25
- Net margin (10.7%)20/25
- Operating margin (17.9%)20/25
- Financial Health33/100 · Weak
- Altman Z (2.67)18/25
- Current ratio (0.60)0/25
- Interest coverage (3.8x)10/25
- Net cash / debt (D/A 44%)5/25
- Quality71/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.82)25/25
- FCF conversion (160%)25/25
- Margin stability (σ 17.5%)6/25
- Moat24/100 · Weak
- ROIC >12% years (1/10 yrs)0/25
- Median gross margin (19.5%)6/25
- FCF-positive years (9/10 yrs)18/25
- Worst-year net margin (worst -11.4%)0/25
About Equifax, Incorporated
Along with Experian and TransUnion, Equifax is one of the leading credit bureaus in the United States. Show more
Equifax's credit reports provide credit histories on millions of consumers, and the firm's services are critical to lenders' credit decisions. In addition, about 40% of the firm's revenue comes from Workforce Solutions, which provides income verification and employer human resources services. Equifax generates about 25% of its revenue from outside the United States.
Headquarters: ATLANTA, GA · Employees: 15,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
77B+P/E (TTM)27.4xC
Grade C: ExpensivePrice / TTM EPS (own statements) — vs own 5Y history: 23.3x–68.7x · 3rd pct
P/FCF17.0xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield5.8%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 0.7%–6.8% · 97th pct
P/S (TTM)2.94xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.5x–7.7x · 2nd pct
EV/EBIT21.1xC
Grade C: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 19.0x–45.9x · 2nd pct
EV/Sales3.7xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E16.5xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio4.19xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.89B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.36%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio37.0%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
72B+ROIC9.3%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE15.3%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA5.8%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin10.7%A
Grade A: HighNet Income / Revenue
Operating Margin17.9%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin17.9%D
Grade D: LowGross Profit / Revenue
FCF Margin17.1%A
Grade A: HighFCF / Revenue
True FCF Margin15.7%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
37DRevenue CAGR5.4%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-2.9%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-3.0%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth66.4%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-4.8%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income13.3%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.4%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
33DAltman Z-Score2.67C
Grade C: Gray zoneBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.60xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.54xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage3.8xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment4.8yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT4.6xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity1.21xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.03xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
71B+Piotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.82A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion159.8%A
Grade A: StrongFCF / Net Income
Margin Stability17.5%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue7.9%C
Grade C: AverageTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.54xC
Grade C: AverageRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Larson Barbara A Filed | Larson Barbara A | Grant / award | +209 | |
MARCUS ROBERT D Filed | MARCUS ROBERT D | Grant / award | +255 | |
GAMBLE JOHN W JR Filed | GAMBLE JOHN W JR | SellOpen market sale | -4500 | |
Larson Barbara A Filed | Larson Barbara A | Grant / award | +160 | |
Larson Barbara A Filed | Larson Barbara A | Grant / award | +181 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Begor Mark W Filed | Begor Mark W | Option exercise | -37791 | |
Begor Mark W Filed | Begor Mark W | SellOpen market sale | -21543 | |
Begor Mark W Filed | Begor Mark W | SellOpen market sale | -6200 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
24EROIC >12% Years1/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)19.5%D
Grade D: WeakMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years9/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor-11.4%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$5.89
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$1.45
Cash & short-term investments per share (Finnhub)
Book Value / Share$37.25
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$5.47B
Total debt obligations (short + long term)
Cash & Equiv.$170.10M
Cash and short-term investments
Net Debt$5.30B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$4.52B
Shareholders' equity (book value)
Asset / Liability1.61xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$18.94B
Current Market Capitalization
Beta1.34C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Equifax, Incorporated (EFX)
Piotroski F-Score of 6/9 indicates mixed fundamentals for Equifax, Incorporated. Altman Z-Score of 2.67 falls in the grey zone (1.81–2.99) — financial distress is unlikely but not ruled out. Beneish M-Score of -2.82 suggests a low likelihood of earnings manipulation. Equifax, Incorporated converts about 17% of revenue into free cash flow — strong cash generation.
- Takes ~4.8 years to repay net debt from free cash flow.
- Equifax, Incorporated posted a net loss in 1 of 10 available completed fiscal years (2016–2025).
- At a valuation score of 77/100, EFX trades near the cheapest end of its own historical range (P/E 27.4).
See how EFX ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all EFX moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 159.68 | +6.20% | 3.54 |
| Oct 15 | After-hours | 161.26 | +7.25% | 4.09 |
| Oct 8 | Pre-market | 148.78 | +4.46% | 2.90 |
| Oct 5 | Regular | 143.83 | +2.74% | 2.25 |
Frequently Asked Questions about EFX
What is the current Equifax, Incorporated (EFX) stock price?
EFX is trading at $161.25 at the last market close, down 0.01% on the session. PreMarketPrice tracks EFX pre-market, intraday and after-hours prices.
Is EFX stock a buy right now?
PreMarketPrice's quantitative model rates Equifax, Incorporated's financial health at 33/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is EFX stock overvalued?
Equifax, Incorporated trades at a trailing P/E of 27.4 and our valuation score rates it 77/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Equifax, Incorporated report earnings?
No confirmed earnings date is currently scheduled for EFX. The Earnings section lists recent reports and updates as dates are announced.
What sector does Equifax, Incorporated operate in?
Equifax, Incorporated operates in the Technology sector, within the Services-Consumer Credit Reporting, Collection Agencies industry. The Related Stocks section lists sector peers for comparison.
What does Equifax, Incorporated do?
Along with Experian and TransUnion, Equifax is one of the leading credit bureaus in the United States.
About Equifax, Incorporated (EFX) Stock
Equifax, Incorporated (EFX) is a US-listed stock operating in the Technology sector, specifically the Services-Consumer Credit Reporting, Collection Agencies industry. As of the latest update, Equifax, Incorporated is trading at $161.25, down 0.01% on the day with a market capitalization of $18.9 billion. The financial health score for EFX is 33/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for EFX stock.
EFX Stock Analysis & Key Metrics
On PreMarketPrice, you can track Equifax, Incorporated (EFX) across multiple dimensions:
- Pre-market price & movement: Real-time EFX stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for EFX with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Equifax, Incorporated across multiple reporting periods.
- Financial health score: A composite score of 33/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for EFX.
- Sector peers: Compare EFX against 6 other technology stocks on key financial metrics.
Is EFX a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Equifax, Incorporated (EFX) as an investment. The financial health score of 33/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Equifax, Incorporated (EFX) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.