Equifax (EFX)
Industrials · $18.7B market cap · SEC CIK 0000033185
fundamentals score out of 100
Next reports on Oct 21, 2026, after the close, with analysts expecting $2.24 in earnings per share.
The case for EFX
- Generated $1.1B of free cash flow in FY2025, 19% of revenue.
- Revenue growing 10.3% year over year.
- Gross margin of 56% absorbs cost shocks.
The case against
- Down 38.4% over the past year.
- Current liabilities exceed current assets (ratio 0.60).
- Near the bottom of its 52-week range, 39% below the high. Falling prices usually have a reason; find it first.
- Long-term debt of $4.1B against $181M of cash.
What the score is made of
Each factor is half a curve over reported figures and half a rank among the other Industrials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. It describes the last filing and the current price. It is not a forecast.
| Valuewhat you pay for the earnings, sales, assets and cash | 62 |
|---|---|
| Growthhow fast revenue and earnings are moving, this year and over five | 61 |
| Profitabilityhow much of the revenue becomes profit, and how much of that is cash | 54 |
| Momentumhow the price has behaved lately | 25 |
| Stabilityhow violently it moves, what it owes and what it pays you | 37 |
- Each factor except momentum is half fixed thresholds, half rank among the 79 Industrials companies.
Key numbers
| Price / earnings | 27.1× |
|---|---|
| Price / book | 4.31× |
| Price / sales | 2.9× |
| Revenue growth (YoY) | +10.3% |
| EPS growth (YoY) | +11.2% |
| Gross margin | 56% |
| Operating margin | 18% |
| Net margin | 11% |
| Return on equity | 15% |
| Debt / equity | 1.25× |
| Current ratio | 0.60 |
| Dividend yield | 0.74% |
| Beta | 1.30 |
| 52-week range | $150.75 – $262.30 |
| Position in that range | 8% of the way up |
| 3-month return | +3.0% |
| 1-year return | -38.4% |
Five years of financials, as filed
Pulled from Equifax's XBRL filings on SEC EDGAR. Italic rows are derived from the rows above.
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|
| Revenue | $6.1B | $5.7B | $5.3B | $5.1B | $4.9B |
| Operating income | $1.1B | $1.0B | $934M | $1.1B | $1.1B |
| Net income | $660M | $604M | $545M | $696M | $744M |
| Operating cash flow | $1.6B | $1.3B | $1.1B | $757M | $1.3B |
| Capital expenditure | $481M | $512M | $601M | $625M | $469M |
| Total assets | $11.9B | $11.8B | $12.3B | $11.5B | $11.0B |
| Total liabilities | $7.1B | $6.8B | $7.6B | $7.6B | $7.4B |
| Shareholder equity | $4.6B | $4.8B | $4.5B | $4.0B | $3.6B |
| Cash | $181M | $170M | $217M | $285M | $225M |
| Long-term debt | $4.1B | $4.3B | $4.7B | $4.8B | $4.5B |
| Free cash flow | $1.1B | $813M | $516M | $133M | $866M |
| Operating margin | 18.0% | 18.3% | 17.7% | 20.6% | 23.1% |
| Net margin | 10.9% | 10.6% | 10.4% | 13.6% | 15.1% |
| Diluted shares | 124M | 125M | 124M | 123M | 124M |
Share count is essentially flat over 4 years.
What Equifax says it does
Overview Equifax Inc. is a global data, analytics and technology company. We provide information solutions for businesses, governments and consumers, and we provide human resources business process automation and outsourcing services for employers. We have a large and diversified group of clients, including financial institutions, corporations, government agencies and individuals. Our services are based on comprehensive databases of consumer and business information derived from numerous sources including credit, financial assets, telecommunications and utility payments, employment, income, educational history, criminal justice, healthcare professional licensure and sanctions, demographic and marketing data. We use advanced statistical techniques, artificial intelligence and machine learning, as well as proprietary software tools to analyze available data for the creation of customized insights, decision-making and process automation…
Risk factors EFX lists in its 10-K
- Key Performance Indicators Twelve Months Ended December 31,
- (In millions, except per share data)
- Operational and Financial Highlights
- Selling, General and Administrative Expenses
- Operating Income and Operating Margin
- Interest Expense and Other Income (Expense), net
- Consolidated Interest and Other Income (Expense), net
- (In millions, except per share amounts)
- Workforce Solutions Operating Margin
- U.S. Information Solutions Operating Margin
- Acquisitions, Divestitures and Investments
- Borrowings and Credit Facility Availability
- Contractual Obligations, Commercial Commitments and Other Contingencies
- Data Processing, Outsourcing Agreements and Other Purchase Obligations