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Earnings transcript
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EFX
Equifax Inc.
$182.39
2.73
(1.52%)
| Exchange: | NYSE |
| Market Cap: | 22.003B |
| Shares Outstanding: | 83.182M |
About The Company
| Sector: | Industrials | |||||
| Industry: | Consulting Services | |||||
| CEO: | Mark W. Begor | |||||
| Full Time Employees: | 15000 | |||||
| Address: |
| |||||
| Website: | https://www.equifax.com |
Equifax Inc. provides information solutions and human resources business process automation outsourcing services for businesses, governments, and consumers. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment offers employment, income, criminal history, and social security number verification services, as well as payroll-based transaction, employment tax management, and identity theft protection products. The USIS segment provides consumer and commercial information services, such as credit information and credit scoring, credit modeling and portfolio analytics, locate, fraud detection and prevention, identity verification, and other consulting; mortgage services; financial marketing services; identity management services; credit monitoring products; and online information, decisioning technology solutions, as well as portfolio management, mortgage reporting, and consumer credit information services. The International segment offers information service products, which include consumer and commercial services, such as credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as offers information, technology, and other services to support debt collections and recovery management. The company serves customers in financial services, mortgage, employers, consumer, commercial, telecommunication, retail, automotive, utility, brokerage, healthcare, and insurance industries, as well as state, federal, and local governments. It operates in the United States, Canada, Australia, New Zealand, India, the United Kingdom, Spain, Portugal, Argentina, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru, Uruguay, Brazil, the Republic of Ireland, Russia, Cambodia, Malaysia, Singapore, and the United Arab Emirates. The company was founded in 1899 and is headquartered in Atlanta, Georgia.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 5,265,200 | 5,681,100 | 6,074,500 |
| Gross Profit | 2,930,100 | 3,162,400 | 2,709,400 |
| EBITDA | 1,579,100 | 1,720,200 | 1,826,700 |
| Operating Income | 933,600 | 1,042,100 | 1,095,200 |
| Net Income | 545,300 | 604,100 | 660,300 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 12,280,000 | 11,759,400 | 11,864,200 |
| Total Liabilities | 7,592,500 | 6,839,800 | 7,126,000 |
| Total Stockholders Equity | 4,534,100 | 4,796,900 | 4,604,300 |
| Total Debt | 5,711,200 | 5,010,500 | 5,093,300 |
| Cash and Cash Equivalents | 216,800 | 169,900 | 180,800 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 1,116,800 | 1,324,500 | 1,615,700 |
| Capital Expenditure | -601,300 | -511,500 | -481,400 |
| Free Cash Flow | 515,500 | 813,000 | 1,134,300 |
| Net Income | 551,700 | 607,300 | 664,300 |
| Net Change in Cash | -68,400 | -46,900 | 10,900 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 8,711,148.280 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 9,507,761.997 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 8,962,339.246 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 2,706,444.941 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 2,953,942.871 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 2,784,486.836 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 2,001,399.187 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 2,241,406.107 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 2,077,079.090 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 2,310,269.281 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 2,521,537.892 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 2,376,887.223 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 16.740 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 18.060 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 16.130 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 6 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Revenue Performance: EFX has demonstrated consistent revenue growth as per recent income statements, reflecting robust demand for its credit information and analytics services. This aligns with positive industry trends in the Financial Services sector, where data-driven decision-making is increasingly critical.
- Healthy Profitability Metrics: Key metrics such as gross profit margin TTM and net profit margin TTM indicate efficient cost management and strong operational performance, positioning EFX favorably against industry peers.
- Solid Cash Flow Generation: Free cash flow TTM and operating cash flow from cash flow statements highlight EFX's ability to generate significant liquidity, supporting reinvestment in innovation and debt management.
- Market Position and Scale: With a substantial market capitalization and a large employee base as per the company profile, EFX benefits from economies of scale and a strong foothold in the credit reporting industry.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates EFX intrinsic value between $95.78 – $162.23 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about EFX valuation
Is Equifax Inc. (EFX) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Equifax Inc. (EFX) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is EFX a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether EFX trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is EFX’s P/E ratio?
You can see EFX’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for EFX?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is EFX a good long-term investment?
Whether EFX fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
EFX
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Daily snapshot
1.52
Trading Metrics:
| Open: | 178.66 | Previous Close: | 179.66 | |
| Day Low: | 177.38 | Day High: | 185.12 | |
| Year Low: | Year High: | |||
| Price Avg 50: | Price Avg 200: | |||
| Volume: | Average Volume: |
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