Full text
Earnings transcript
Read the complete earnings call transcript.
EFX
Equifax Inc.
$192.7
2.15
(1.13%)
| Exchange: | NYSE |
| Market Cap: | 22.639B |
| Shares Outstanding: | 83.182M |
Delayed data
About The Company
| Sector: | Industrials | |||||
| Industry: | Consulting Services | |||||
| CEO: | Mark W. Begor | |||||
| Full Time Employees: | 15000 | |||||
| Address: |
| |||||
| Website: | https://www.equifax.com |
Equifax Inc. operates as a global data and analytics company, delivering a range of information solutions and specialized human resources administrative process outsourcing services. Its clientele spans across businesses, governmental organizations, and individual consumers. The company’s operations are structured into three primary divisions: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment specializes in employment-related data, offering verification services for income, employment history, criminal records, and Social Security numbers. It also provides tools for payroll-based transactions, employment tax management, and products aimed at protecting against identity theft. The U.S. Information Solutions (USIS) segment provides a comprehensive suite of services for both consumers and businesses within the United States. These offerings include extensive credit data and scoring, sophisticated credit modeling and portfolio analytics, identity verification and fraud detection/prevention services, and various consulting options. Additionally, USIS supports mortgage services, financial marketing initiatives, identity management solutions, credit monitoring products, and online decisioning technology solutions, alongside portfolio management and mortgage reporting services. Globally, the International segment delivers similar information service products, encompassing consumer and commercial credit and financial data, credit scoring, and advanced modeling. This division also provides credit-related marketing products and services, as well as technology and support for debt collection and recovery management. Equifax serves a diverse array of industries, including financial services, mortgage, employment, telecommunications, retail, automotive, utilities, brokerage, healthcare, and insurance, in addition to federal, state, and local governments. With a substantial international presence, the company conducts business in numerous countries, including the United States, Canada, Australia, New Zealand, India, the United Kingdom, Spain, Portugal, Argentina, Brazil, Mexico, and many other nations across Latin America, Europe, Asia, and the Middle East. Founded in 1899, Equifax maintains its corporate headquarters in Atlanta, Georgia.
Click to read more…
Revenue Segmentation
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
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 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 8,313,131.673 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 8,968,126.587 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 8,604,441.180 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 2,582,786.154 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 2,786,284.891 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 2,673,292.378 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 1,601,171.719 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 1,766,917.199 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 1,674,887.120 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 2,204,711.952 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 2,378,422.074 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 2,281,969.667 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 13.500 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 14.240 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 12.900 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 6 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
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.
Log in with Research Access for Weaknesses, Opportunities, Threats, and the complete SWOT.
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.
[intrinsic_calculator]
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
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
1.13
Trading Metrics:
| Open: | 189.42 | Previous Close: | 190.56 | |
| Day Low: | 189.42 | Day High: | 194.04 | |
| Year Low: | 150.75 | Year High: | 271.84 | |
| Price Avg 50: | 173.77 | Price Avg 200: | 188.51 | |
| Volume: | 121305 | Average Volume: | 1.697M |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
Login — it's freeEFX full analysis
Welcome everyone, welcome to MARKETSNAP’s SWOT analysis for Equifax, a key player in the financial services space. If you’re not super familiar with Equifax, let me give you the quick rundown. This company is a global leader in credit information and data analytics, operating in the business services industry within the broader financial sector. Headquartered in the U.S., Equifax provides critical insights to businesses and consumers alike, helping with everything from credit scoring to fraud prevention. With thousands of employees…
