EFX
Equifax Inc.
EFX's fundamentals are strong and it looks cheap: trading at 30x earnings, below its usual 46x. Analysts expect earnings growth.
EFX Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| Healthy | |
| Stable |
EFX's revenue, profitability and cash flow are currently healthy, and its balance sheet is stable.
EFX PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 21x | $187 | — |
| Current | 30x | $187 | — |
| Cheap | 34x | $208 | +11% |
| Fair | 46x | $287 | +54% |
| Expensive | 58x | $359 | +92% |
Historical ranges are pointers, not guarantees.
EFX's PE is in its cheap range at 30x. If earnings grow as analysts expect, today's price would be 21x next year's earnings.
EFX Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Improving | |
| Moderate | |
| Moderate |
Analysts expect earnings and revenue growth for EFX, with profitability improving.
EFX Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.06 | +46% |
| Q3 2026 | $6.19 | +17% |
| Q2 2026 | $5.69 | +11% |
| Q1 2026 | $5.68 | +16% |
| Q4 2025 | $5.32 | +9.9% |
| Q3 2025 | $5.28 | +17% |
| Q2 2025 | $5.12 | +9.4% |
| Q1 2025 | $4.90 | +9.1% |
| Q4 2024 | $4.84 | +10% |
EFX's earnings per share have climbed steadily: $6.19 over the past year, up 17% from the year before, and higher year over year for 10 quarters in a row.
EFX Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.7B | +9.6% |
| Q2 2026 | $1.7B | +11% |
| Q1 2026 | $1.6B | +14% |
| Q4 2025 | $1.6B | +9.2% |
| Q3 2025 | $1.5B | +7.2% |
| Q2 2025 | $1.5B | +7.4% |
| Q1 2025 | $1.4B | +3.8% |
| Q4 2024 | $1.4B | +7% |
EFX's revenue has grown year over year for 14 quarters in a row: $1.7B last quarter, up 9.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 21% | +3.9 points |
| Q2 2026 | 18% | -1.7 points |
| Q1 2026 | 17% | +1.1 points |
| Q4 2025 | 18% | -2 points |
| Q3 2025 | 17% | 0 points |
| Q2 2025 | 20% | +0.5 points |
| Q1 2025 | 16% | +0.2 points |
| Q4 2024 | 20% | +1.8 points |
EFX's operating margin was 21% last quarter, up 3.9 points from the same quarter a year ago.
EFX Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $436.9M | -0.2% |
| Q2 2026 | $204.8M | -14% |
| Q1 2026 | $121.5M | +4.1% |
| Q4 2025 | $340.8M | +66% |
| Q3 2025 | $437.9M | +23% |
| Q2 2025 | $238.9M | +83% |
| Q1 2025 | $116.7M | -3.4% |
| Q4 2024 | $205.9M | +17% |
EFX generated $1.1B in free cash flow over the past year, up 10% from the year before.
EFX Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.9% | -1.1M shares |
| 1 year | -4.8% | -6M shares |
| 3 years | -4.7% | -5.8M shares |
| 5 years | -4.5% | -5.6M shares |
| Available history | -3.2% | -3.9M shares |
EFX has 118M diluted shares, down 4.8% from a year ago, with $1.2B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $92M |
| Q2 2026 | $300M |
| Q1 2026 | $260M |
| Q4 2025 | $500.1M |
| Q3 2025 | $300M |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
EFX spent $1.2B buying back its own shares over the past year.
EFX Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.5x | Moderate |
| Q2 2026 | 2.8x | Moderate |
| Q1 2026 | 2.7x | Moderate |
| Q4 2025 | 2.7x | Moderate |
| Q3 2025 | 2.6x | Moderate |
| Q2 2025 | 2.7x | Moderate |
| Q1 2025 | 2.8x | Moderate |
| Q4 2024 | 2.8x | Moderate |
EFX's net debt is about 2.5 years of its operating earnings (EBITDA), about the same as a year ago.
EFX Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.3 | Neutral |
| Stochastic | 82.1 | Overbought |
EFX's weekly RSI is 55 (neutral) and its Stochastic is 82 (overbought).
EFX PE vs Industrials Sector
| Metric | EFX | Sector median | Relative |
|---|---|---|---|
| PE | 30x | 24x | 26% above |
| PE % | 7 | 58 | 51 pts below |
EFX is trading at 30x earnings, a 26% premium to the Industrials sector's median of 24x.
EFX Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $167.3 | 12% above |
| 20 week MA | $172.7 | 8.1% above |
| 50 week MA | $183.0 | 2% above |
| 100 week MA | $214.7 | 13% below |
| 200 week MA | $224.3 | 17% below |
EFX has bounced recently, but its long-term trend is still down: it's above its 8-, 20- and 50-week averages, but 17% below its 200-week average.
EFX Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $140.2 | $194.0 | +38% |
| 2021 | $194.0 | $287.0 | +48% |
| 2022 | $287.0 | $195.7 | -32% |
| 2023 | $195.7 | $247.3 | +26% |
| 2024 | $247.3 | $256.0 | +3.5% |
| 2025 | $256.0 | $222.1 | -13% |
| 2026 YTD | $222.1 | $186.8 | -16% |
EFX has finished higher in four of the last six years. It's down 16% so far in 2026.