Upside case
Bull case
$333+116.6%
EFX would need investors to value it at roughly 39x earnings — about 21x more generous than today's 18x forward P/E. That requires meaningful multiple expansion on top of continued earnings growth.
Analysis OverviewBuyUpdated Jun 18, 2026
Equifax Inc. (EFX) Stock Analysis
Wall Street verdict, consensus price target, and analyst rating breakdown — everything needed to frame the risk/reward at today's price.
Analyst consensus
Buy
Covering
34
analysts
22 bullish · 1 bearish · 34 covering EFX
Strong Buy
0
Buy
22
Hold
11
Sell
1
Strong Sell
0
Consensus Target
$226
+47.1% vs today
Scenario Range
$159 – $333
Model bear to bull value window
Coverage
34
Published analyst ratings
Valuation Context
17.9x
Forward P/E · Market cap $18.6B
EFX price targets
Three scenarios for where EFX stock could go
Current
~$154
Confidence
50 / 100
Updated
Jun 18, 2026
Where we are now
Current · $154
Bear
$159
Base
$253
Bull
$333
Market caseClosest to today
Base case
$253+64.4%
At 29x on FY1 earnings, the base case reflects a reasonable but not stretched valuation. It prices in continued growth without assuming an exceptional setup.
Stress case
Bear case
$159+3.5%
The bear case assumes sentiment or fundamentals disappoint enough to push EFX down roughly 4% from the current price.
Not financial advice. Model confidence reflects internal scenario assumptions, not a guarantee of returns. Past performance does not predict future results.
Equifax Inc.
EFX · NYSEIndustrialsConsulting ServicesDecember year-end
Equifax is one of the three major credit bureaus that collects and sells consumer credit data to lenders, businesses, and individuals. It generates revenue primarily through its three segments: Workforce Solutions (verification services), U.S. Information Solutions (credit reports and scores), and International operations — with USIS being the largest contributor. The company's moat comes from its massive proprietary database of consumer credit information, regulatory barriers to entry, and network effects from being one of the dominant players in the credit reporting oligopoly.
Market Cap
$18.6B
Revenue TTM
$6.3B
Net Income TTM
$699M
Net Margin
11.1%
EFX Revenue and Earnings Performance
Quarterly beat-or-miss track record against analyst estimates, plus forward revenue and EPS outlook for the next two fiscal years.
EPS Beat Rate
75%Exceptional
12 quarters tracked
Revenue Beat Rate
50%Exceptional
vs consensus estimates
Avg EPS Surprise
+3.5%
above Street consensus
Beat / Miss Record
BeatMissLeft = EPS · Right = Revenue
Q3 2025
Q4 2025
Q1 2026
Q2 2026
Last 4 Quarters
EPS beats: 4 of 4Q3 2025
EPS
$2.00/$1.93
Revenue
$1.5B/$1.5B
Q4 2025
EPS
$2.04/$1.94
Revenue
$1.5B/$1.5B
Q1 2026
EPS
$2.09/$2.06
Revenue
$1.6B/$1.5B
Q2 2026
EPS
$1.86/$1.69
Revenue
$1.6B/$1.6B
| Quarter | EPS (Actual / Est) | EPS Surprise | Revenue (Actual / Est) | Rev Surprise |
|---|---|---|---|---|
| Q3 2025 | $2.00/$1.93 | +3.6% | $1.5B/$1.5B | +1.6% |
| Q4 2025 | $2.04/$1.94 | +5.2% | $1.5B/$1.5B | +1.5% |
| Q1 2026 | $2.09/$2.06 | +1.5% | $1.6B/$1.5B | +1.5% |
| Q2 2026 | $1.86/$1.69 | +10.1% | $1.6B/$1.6B | +2.0% |
FY1–FY2 Estimates
Revenue Outlook
FY1
$6.7B
+7.0% YoY
FY2
$7.2B
+7.6% YoY
EPS Outlook
FY1
$7.47
+29.2% YoY
FY2
$8.22
+10.0% YoY
Trailing FCF (TTM)$1.1B
FCF Margin: 18.1%
Next Earnings
July 21, 2026
Expected EPS
$2.25
Expected Revenue
$1.7B
EFX beat EPS estimates in 4 of 4 tracked quarters. A perfect track record raises the bar for the upcoming report.
EFX Revenue Breakdown by Segment
Product and geographic revenue mix from the latest annual disclosure, with year-over-year growth by segment.
Latest disclosure
FY 2025
Total disclosed revenue $8.2B
Product Mix
Latest annual revenue by segment or product family
United States Consumer Information Solutions
51.0%
+119.6% YoY
Tap, hover, or focus a slice to inspect segment detail.
Geographic Mix
Latest annual revenue by reported region
UNITED STATES
87.9%
+7.7% YoY
Tap, hover, or focus a slice to inspect segment detail.
United States Consumer Information Solutions is the largest disclosed segment at 51.0% of FY 2025 revenue, up 119.6% YoY.
UNITED STATES is the largest reported region at 87.9%, up 7.7% YoY.
EFX Valuation Snapshot
Current multiples compared to the S&P 500, the company's sector, and its own five-year average.
Relative Value Signal
Slightly cheap versus peers
Fair value est. $166 — implies +7.5% from today's price.
Upside to Fair Value
7.5%
potential upside
Deep DiscountFair ValueVery Expensive
vs S&P 500 Trailing P/E
EFX
28.9x
vs
S&P 500
24.4x
+18% premium
vs Industrials Trailing P/E
EFX
28.9x
vs
Industrials
25.6x
+13% premium
vs EFX 5Y Avg P/E
Today
28.9x
vs
5Y Average
46.5x
38% discount
Forward PE
17.9x
S&P 500
18.8x
-5%
Industrials
21.2x
-16%
5Y Avg
—
—
Trailing PE
28.9x
S&P 500
24.4x
+18%
Industrials
25.6x
+13%
5Y Avg
46.5x
-38%
PEG Ratio
6.23x
S&P 500
1.66x
+276%
Industrials
1.65x
+278%
5Y Avg
—
—
EV/EBITDA
12.9x
S&P 500
15.2x
-15%
Industrials
13.9x
-7%
5Y Avg
21.1x
-39%
Price/FCF
16.4x
S&P 500
20.7x
-21%
Industrials
20.0x
-18%
5Y Avg
69.0x
-76%
Price/Sales
3.1x
S&P 500
3.1x
-1%
Industrials
1.6x
+96%
5Y Avg
5.6x
-45%
Dividend Yield
1.22%
S&P 500
1.91%
-36%
Industrials
1.21%
+0%
5Y Avg
0.68%
+78%
| Metric | EFX | S&P 500 | Industrials | 5Y Avg EFX |
|---|---|---|---|---|
| Forward PE | 17.9x | 18.8x | 21.2x-16% | — |
| Trailing PE | 28.9x | 24.4x+18% | 25.6x+13% | 46.5x-38% |
| PEG Ratio | 6.23x | 1.66x+276% | 1.65x+278% | — |
| EV/EBITDA | 12.9x | 15.2x-15% | 13.9x | 21.1x-39% |
| Price/FCF | 16.4x | 20.7x-21% | 20.0x-18% | 69.0x-76% |
| Price/Sales | 3.1x | 3.1x | 1.6x+96% | 5.6x-45% |
| Dividend Yield | 1.22% | 1.91% | 1.21% | 0.68% |
EFX trades above S&P 500 benchmarks on 2 of 6 measured multiples — is elevated on some multiples, but competitive on others — a mixed valuation picture.
Forward P/E and PEG reflect analyst consensus estimates. Historical averages use trailing ratios where forward data is unavailable.S&P 500 and sector benchmarks both use trailing median P/E — similar readings indicate the broader index and sector are priced alike.
Open valuation toolEFX Financial Health
Verdict
Strong
EFX generates $1.1B in free cash flow at a 18.1% margin — returns 6.2% of market cap to shareholders annually.
Cash Engine
Revenue, margins, and cash generation
Revenue (TTM)
Trailing-twelve-month sales base
$6.3B
Revenue Growth
TTM vs prior year
+9.6%
Gross Margin
Gross profit as a share of revenue
44.7%
Operating Margin
Operating income divided by revenue
18.3%
Net Margin
Net income divided by revenue
11.1%
EPS (TTM)
Diluted earnings per share, trailing twelve months
$5.78
Free Cash Flow (TTM)
Cash generation after capex
$1.1B
FCF Margin
FCF as share of revenue — the primary cash quality signal
18.1%
Capital Quality
ROIC, leverage, and debt serviceability
ROIC
Return on invested capital — primary competitive quality signal
8.5%
ROA
Return on assets, trailing twelve months
5.9%
Cash & Equivalents
Liquid assets on the balance sheet
$181M
Net Debt
Total debt minus cash
$4.9B
Debt Serviceability
Net debt as a multiple of annual free cash flow
4.3× FCF
~4.3 years to full repayment at current FCF run-rate
ROE
Return on equity, trailing twelve months
14.2%
Shareholder Returns
How capital is returned to owners
Total shareholder yield
6.2%
Dividend
1.2%
Buyback
5.0%
Share Repurchases
Trailing buyback outflow — dollar magnitude of capital returned
$928M
Dividend / Share
Annualized trailing dividend per share
$1.88
Payout Ratio
Share of earnings distributed as dividends
35.3%
Shares Outstanding
Declining as buybacks retire shares
121M
All figures from the trailing twelve months. ROIC uses invested capital (equity + net debt).
Open full ratios pageEFX Stock Risk Factors
Key factors that could pressure the stock price, compress the multiple, or weigh on future results.
AI analysis · updated June 18, 2026
High Risk
Stock Price Decline
Equifax stock experienced a significant bearish movement, dropping 5.2% and extending its year-to-date decline to 23%.
Medium
AI System Risks
Equifax uses AI systems, which may face challenges related to transparency, fairness, and security, potentially impacting consumer trust.
Medium
Revenue Growth Concerns
Revenue growth forecasts show a modest 7.0%, which may not meet investor expectations in a competitive market.
Lower
Credit Monitoring Competition
Equifax faces competition in providing credit reports and identity protection tools, which could pressure margins.
High Risk
Valuation De-rating
AI models predict a -6.4% decline in stock price, indicating potential overvaluation or market skepticism.
These are risk mechanisms, not predictions. The key question is which would force a cut to earnings estimates or a lower multiple than the market currently prices in.
Why EFX Stock Could Outperform
Structural drivers behind the upside case and why the stock could outperform over the next 12 months.
AI analysis · updated June 18, 2026
Credit reporting dominance
Equifax is one of the three largest consumer credit reporting agencies, providing essential credit reports and scores for businesses and consumers.
Diversified analytics powerhouse
The company has evolved from a traditional credit bureau into a diversified analytics and verification powerhouse, leveraging data and human capital.
AI-driven innovation
Equifax utilizes AI systems transparently and securely to enhance consumer benefits, operational efficiency, and business analytics.
Identity protection services
Offering credit monitoring, alerts, and identity theft protection tools, Equifax capitalizes on growing demand for cybersecurity and personal data security.
Global economic role
As a global data and analytics company, Equifax plays a critical role in the economy by serving financial institutions, employers, and government agencies.
Strong market positioning
Headquartered in the U.S. and operating in the industrials sector, Equifax maintains a robust market presence with a focus on consulting services.
Investor confidence
The company attracts investor interest through detailed equity research, valuation multiples, and analyst coverage, reinforcing its bullish case.
A real bull case compounds — each driver matters most when it strengthens margins, supports capital returns, and keeps the company above the market's minimum growth bar simultaneously.
EFX Stock Price Performance
52-week range context and price returns across multiple time horizons. Dividend contribution is shown separately in the Capital Return section.
Current Price
$153.93
52W Range Position
1%
52-Week Range
Current price plotted between the 52-week low and high.
52-Week Low
$152.96
+0.6% from the low
52-Week High
$275.91
-44.2% from the high
1 Month
-6.27%
3 Month
-16.25%
YTD
-28.1%
1 Year
-39.3%
3Y CAGR
-12.2%
5Y CAGR
-7.9%
10Y CAGR
+2.2%
Range context matters because valuation compression and earnings misses rarely hit from the same starting point. A stock already far below its high can still fall, but it is no longer carrying the same embedded optimism as one pressing a fresh peak.
EFX vs Peers
Valuation, growth, and margin comparison against the closest publicly traded peers for this company.
Peer Set
Accurate peer set
Forward PE
17.9x
vs 22.7x median
-21% below peer median
Revenue Growth
+7.0%
vs +6.3% median
+12% above peer median
Net Margin
11.1%
vs 30.4% median
-63% below peer median
| Company | Mkt Cap | Fwd PE | Rev Grw | Margin | Rating | Upside |
|---|---|---|---|---|---|---|
EFX EFX Equifax Inc. | $18.6B | 17.9x | +7.0% | 11.1% | Buy | +47.1% |
TRU TRU TransUnion | $12.5B | 13.5x | +9.2% | 14.9% | Buy | +42.9% |
FIC FICO Fair Isaac Corporation | $25.4B | 25.5x | +13.3% | 33.7% | Buy | +46.3% |
VRS VRSK Verisk Analytics, Inc. | $22.8B | 22.7x | +5.8% | 29.3% | Hold | +30.1% |
MCO MCO Moody's Corporation | $79.9B | 27.0x | +6.3% | 31.7% | Buy | +20.1% |
SPG SPGI S&P Global Inc. | $121.6B | 20.9x | +6.2% | 30.4% | Buy | +33.4% |
This peer comparison reflects companies with similar business models, product lines, or market positioning, supplemented by industry grouping when direct matches are limited.
EFX Dividend and Capital Return
EFX returns capital mainly through $928M/year in buybacks (5.0% buyback yield), with a modest 1.22% dividend — combining for 6.2% total shareholder yield.
Dividend SustainableFCF Well Covered
Total Shareholder Yield
6.2%
Dividend + buyback return per year
Buyback Yield
5.0%
Dividend Yield
1.22%
Payout Ratio
35.3%
How EFX Splits Its Return
Div 1.22%
Buyback 5.0%
Dividend 1.22%Buybacks 5.0%
Dividend Profile
Yield, cadence, and growth quality
Dividend / Share
Trailing annualized cash dividend
$1.88
Growth Streak
Consecutive years of dividend increases
1Y
3Y Div CAGR
6.6%
5Y Div CAGR
3.9%
Ex-Dividend Date
—
Payment Cadence
Quarterly
4 payments over the last 12 months
Buyback Engine
How much per-share support comes from repurchases
Repurchases (TTM)
Cash used for buybacks in the latest trailing period
$928M
Estimated Shares Retired
6M
Approx. Share Reduction
5.0%
Shares Outstanding
Current diluted share count from the screening snapshot
121M
At 5.0%/year, buybacks mechanically lift EPS even with flat earnings — each remaining share represents a slightly larger piece of the company.
| Year | Div / Share | YoY Grw | BB Yield | Total Yield |
|---|---|---|---|---|
| 2026 | $1.12 | — | — | — |
| 2025 | $1.89 | +21.2% | 3.4% | 4.3% |
| 2024 | $1.56 | 0.0% | 0.0% | 0.6% |
| 2023 | $1.56 | 0.0% | 0.0% | 0.6% |
| 2022 | $1.56 | 0.0% | 0.0% | 0.8% |
FAQ
7 questionsEFX Investor Questions
Common questions answered from live analyst data and company financials.
01Is Equifax Inc. (EFX) stock a buy or sell in 2026?
Equifax Inc. (EFX) is rated Buy by Wall Street analysts as of 2026. Of 34 analysts covering the stock, 22 rate it Buy or Strong Buy, 11 rate it Hold, and 1 rate it Sell or Strong Sell. The consensus 12-month price target is $226, implying +47.1% from the current price of $154. The bear case scenario is $159 and the bull case is $333.
02What is the EFX stock price target for 2026?
The Wall Street consensus price target for EFX is $226 based on 34 analyst estimates. The high-end target is $265 (+72.2% from today), and the low-end target is $195 (+26.7%). The base case model target is $253.
03Is Equifax Inc. (EFX) stock overvalued in 2026?
EFX trades at 17.9x times forward earnings. The stock trades at a notable premium to the broad market, which is typical for businesses with strong free cash flow and above-average growth expectations. Based on current multiples versus the peer group, the relative model signals slightly cheap versus peers. Whether the stock is over or undervalued ultimately depends on whether consensus earnings estimates are achievable.
04What are the main risks for Equifax Inc. (EFX) stock in 2026?
The primary risks for EFX in 2026 are: (1) Stock Price Decline — Equifax stock experienced a significant bearish movement, dropping 5. (2) Valuation De-rating — AI models predict a -6. (3) AI System Risks — Equifax uses AI systems, which may face challenges related to transparency, fairness, and security, potentially impacting consumer trust. Each factor has the potential to pressure earnings or compress the stock's valuation multiple.
05What is Equifax Inc.'s revenue and earnings forecast?
Analyst consensus estimates EFX will report consensus revenue of $6.7B (+7.0% year-over-year) and EPS of $7.47 (+29.2% year-over-year) for the upcoming fiscal year. The following year, analysts project $7.2B in revenue.
06When does Equifax Inc. (EFX) report its next earnings?
Equifax Inc. is expected to report its next earnings on approximately 2026-07-21. Consensus expects EPS of $2.25 and revenue of $1.7B. Over recent quarters, EFX has beaten EPS estimates 75% of the time.
07How much free cash flow does Equifax Inc. generate?
Equifax Inc. (EFX) generated $1.1B in free cash flow over the trailing twelve months — a free cash flow margin of 18.1%. EFX returns capital to shareholders through dividends (1.2% yield) and share repurchases ($928M TTM).