Equifax, Incorporated
Services-Consumer Credit Reporting, Collection Agencies
Along with Experian and TransUnion, Equifax is one of the leading credit bureaus in the United States. Equifax's credit reports provide credit histories on millions of consumers, and the firm's services are critical to lenders' credit decisions.
It is a $17.1B technology company. Revenue grew 10.3% over the last year, it keeps 11¢ of every dollar of sales as profit, and its net debt equals ~4.4 years of free cash flow. It trades at 24.8× earnings — near the lowest of its own history.
- Website
- equifax.com
- Location
- Atlanta, GA
- Employees
- 15 000
- Sector
- Technology
- Founded
- 1899
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong valuation; Growth, Health and Moat lag behind.
Valuation85
- P/E vs own history1th pct · 25/25
- FCF yield6.5% · 20/25
- P/S2.7x · 20/25
- EV/EBITDA11.9x · 20/25
Growth43
- Revenue CAGR5.4% · 12/25
- Net income CAGR-2.9% · 0/25
- EPS CAGR ~5Y4.7% · 6/25
- Fwd implied growth50.4% · 25/25
Profitability57
- ROIC6.9% · 5/25
- ROE15.0% · 12/25
- Net margin10.7% · 20/25
- Operating margin17.9% · 20/25
Health23
- Altman Zn/a · 0/25
- Current ratio0.60 · 0/25
- Interest coverage5.2x · 18/25
- Net cash / debtD/A 41% · 5/25
Quality71
- Piotroski F6/9 · 15/25
- Beneish M-2.82 · 25/25
- FCF conversion160% · 25/25
- Margin stabilityσ 17.5% · 6/25
Moat24
- ROIC >12% years1/10 yrs · 0/25
- Median gross margin19.5% · 6/25
- FCF-positive years9/10 yrs · 18/25
- Worst-year net marginworst -11.4% · 0/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- 2023AcquisitionIt was announced Equifax had acquired the Barueri-headquartered credit bureau, Boa Vista Serviços…
- FY2021FinancialBest year on record$744M net income
- FY2020FinancialPositive free cash flow every year since6-year streak
- FY2016FinancialFirst recorded profitable year$489M net income
- FY2016FinancialRevenue already above $1B$3.14B in first reported year
- 2016AcquisitionEquifax acquired the Australasian company Veda, the largest credit reference agency in Australia…
- 2015AcquisitionVeda had previously acquired the Australian market research and opinion polling company ReachTEL in September 2015
- 2011AcquisitionEquifax purchased eThority, a business intelligence (BI) company headquartered in Charleston, South Carolina, in…
- 2010ProductEquifax announced it was acquiring Anakam, an identity verification software company headquartered…
- 2001AcquisitionAlso in 2001, Equifax spun off its payment services division, forming the publicly listed company Certegy
- 1999MilestoneEquifax began offering services to the credit consumer sector in addition, such as credit fraud and…
- 1997MilestoneThe company also had a division selling specialist credit information to the insurance industry but spun off this…
- 1994AcquisitionEquifax acquired HealthChex Inc., a company that specialized in profiling physicians and reviewing…
- 1899FoundedEquifax was founded as the Retail Credit Company by Cator and Guy Woolford in Atlanta, Georgia, in 1899
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- High gross margin (55.5%)
- Revenue growing 10.3% year over year
- Strong cash conversion — FCF is 17.1% of revenue
- Interest covered 5.2× by operating earnings
Watch-outs
- Loss-making in 1 of the recent years
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+10.3% YoY
- Profitable — makes more than it spends$691M TTM
- Profit growing — earnings are higher than last year-2.0% YoY
- Generates cash — cash left after running and investing$1.10B TTM
- Debt under control — could handle its obligations~4.4y of cash flow to repay
- Established company — not a micro-cap — lower blow-up risk$17.1B market cap
- Not printing shares — share count not ballooning — you keep your slice+1.1% shares over ~5y
- Proven track record — years of profitability behind it9/10 profitable years
- Financially stable — balance sheet not near distresshealth score 18/100
- Pays a dividend — returns cash to shareholdersyield 1.49%
- Valuation not extreme — price not wildly above earningsP/E 24.8
Peer comparisonEquifax, Incorporated vs 6 largest technology peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| EFX this company | $17.1B | 24.8 | +10.3% | 10.7% | Strained |
| NVDA Nvidia Corp | $5.5T | 28.6 | +83.4% | 63.7% | Mixed |
| AAPL Apple Inc. | $4.9T | 38.1 | +14.2% | 27.6% | Strong |
| GOOGL Alphabet Inc. | $4.3T | 17.6 | +20.1% | 54.8% | Mixed |
| MSFT Microsoft Corp | $4.0T | 29.7 | +17.8% | 40.3% | Strong |
| SPCX Space Exploration Technologies Corp. | $2.1T | — | +33.2% | -34.0% | Strained |
| META Meta Platforms, Inc. | $1.8T | 26.9 | +27.7% | 29.8% | Mixed |
Head-to-head: EFX vs NVDA · EFX vs AAPL · EFX vs GOOGL
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/EFX
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of EFX on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $145.78 · market cap $17.1B.