— Know what they know.
/
Not Investment Advice

EFX

NYSE · USD
Equifax Inc.
Industrials · Consulting Services
CEO Mark W. Begor Employees 15,000 R&D / revenue 0.0%
Last price
$161.25−0.01%last session
Market cap
$18.9B
P/E (TTM)
28.1x
From 52w high
−32.5%
From 52w low
+17.7%
1-year return
−28.9%
RSI 14 · vs SMA200
59.2 · −9.9%
IS score
63.7/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)

One year, rebased to 100

EFX   SPY   XLI (sector ETF) · weekly closes
6080100120Jan 26Apr 26Jul 26Oct 26SPY 116XLI 111EFX 71

Score DNA

Each bar is a 0-100 score within the scored universe
54
Profitability
53
Growth
48
Value
81
Momentum
80
Risk (safety)
70
Quality
38
Balance sheet
67
Earnings quality

Flags

Strengths
✓ FCF yield 5%+
Warnings
None of the computed warning flags fires for EFX (Altman, Beneish, accruals, FCF, dilution).
Observations
Moat model: Weak, Efficient ScalePiotroski 6 / 9Altman Z 3.1Beta 1.302 of 4 smart-money sources active

Smart-money strip

Each disclosure source on its own window. Filings coinciding is not coordination.
INSForm 4 · 180 days
Insider open-market buys
0
15 open-market sales, $14.9M
Form 144 notices (12m): 13, $38.2M proposed, not confirmed sales
CONGSTOCK Act · 180 days
Congressional purchases
0
No disclosed purchases
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
−36
115 new holders, 138 closed
841 filers hold 101.8% · 254 added, 355 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+245
959 funds adding shares
714 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
59.0%
20-day avg 48.8%, 50-day avg 56.7%
Latest 10.2 pp over its 20-day average · a flow, not short interest

Key financials · FY2025

USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.
Income statement
Revenue$6.1B
Revenue growth YoY+6.9%
Gross margin44.6%
Operating income$1.1B
Operating margin18.0%
Net income$660.3M
Net margin10.9%
EPS (diluted)$5.32
Cash flow
Operating cash flow$1.6B
Capital expenditure$481.4M
Free cash flow$1.1B
FCF conversion (FCF / OCF)70.2%
Stock-based compensation$78.4M
FCF less SBC$1.1B
Buybacks$927.5M
Dividends$232.8M
Balance sheet & returns
Cash & short-term investments$180.8M
Total debt$5.1B
Net debt$4.9B
Shareholders' equity$4.7B
Goodwill & intangibles$6.8B
Debt / equity1.25
ROE (TTM)15.0%
ROIC (TTM)7.9%
Operating margin by fiscal year
23.1%FY202120.6%FY202217.7%FY202318.3%FY202418.0%FY2025
Revenue $4.9B (FY2021) to $6.1B (FY2025), a 5.4% CAGR.

Valuation

P/E (TTM)28.1x
EV / EBITDA12.7x
Price / sales2.94x
Price / FCF17.1x
FCF yield5.83%
Buyback yield4.90%
SBC / revenue1.4%
Price / book4.36x
Forward P/E FY202618.9x
Forward P/E FY202716.1x
Forward P/E FY202813.3x
Forward multiples divide today's price by Street EPS estimates. Street mean target $199.31 across 16 analysts last quarter is theirs, not ours.

EFX vs industry median

48 companies in Consulting Services
Gross margin 55.5% 31.4% Operating margin 17.9% 3.8% Net margin 10.7% 3.5% ROIC 7.9% 11.8%
EFX (TTM)Industry median Asset turnover 0.54 vs industry 0.87 · financial leverage 2.74

Earnings delivery

Next report 2026-10-20 · consensus EPS $2.20
75%
beat rate, 9 of 12 quarters
+3.5%
median EPS surprise
6
longest beat streak
-1+4+4+3+0+0+9+4+5+1+10+2
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-10-18 to 2026-07-21. Bars cap at ±60%.

Peers

Market-cap band, not the industry cohort above
CompanyMkt capP/EROENet marginRev growth12m return
EFX Equifax Inc. $18.9B28.1x15.0%10.7%+6.9% −28.9%
BAH Booz Allen Hamilton Holding $8.9B11.6x68.6%7.1%−7.3% −23.1%
FCN FTI Consulting, Inc. $4.1B18.1x15.6%5.8%+7.1% −2.1%
HURN Huron Consulting Group Inc. $2.8B25.6x26.9%6.6%+16.3% +18.8%
SNA Snap-on Incorporated $19.0B18.4x17.6%21.1%+0.1% +7.5%
LUV Southwest Airlines Co. $19.3B23.8x11.1%2.8%+9.5% —
CW Curtiss-Wright Corporation $18.6B34.4x19.7%16.4%+10.5% —
WWD Woodward, Inc. $19.4B35.5x22.3%13.2%+22.3% —
12-month window: SPY +15.9%, sector ETF XLI +10.7%. Past returns describe history only.

Recent 8-K filings

2026-07-29Other Events; Exhibits
2026-07-21Earnings Release; Exhibits
2026-06-16Bylaws Amendment; Exhibits
2026-05-13Shareholder Vote
2026-04-24Material Agreement; Financial Obligation; Exhibits
2026-04-21Earnings Release; Exhibits

Context

Shares outstanding117,484,896
Free float99.6%
Institutional ownership101.8%
Beta1.30
Dividend yield1.35%
Last dividend$0.56 on 2026-08-31
50 / 200-day average$167.88 / $179.27
Large-cap Industrials median P/E29.8x

Full factsheet

The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).

Read it in the browser Download (PDF)

All fundamentals · 140 measures in 13 categories

Percentile = where EFX sits among 7 scored companies in Consulting Services (0 = lowest value, 100 = highest). It is a position, not a grade.
ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)

Valuation

MeasureEFXIndustry medianIndustry percentileSector median
P/E (TTM) 27.4x 18.1x
100th		 25.4x
PEG (P/E ÷ 3-yr EPS CAGR) 2.49 1.67
80th		 1.42
Price / sales 2.9x 1.4x
83rd		 2.0x
Price / book 4.3x 4.3x
50th		 2.9x
Price / tangible book —
Price / free cash flow 17.1x 9.0x
80th		 20.8x
Price / operating cash flow 11.7x 8.8x
80th		 14.5x
Enterprise value $24.2B $3.6B
100th		 $4.8B
EV / sales 3.8x 1.6x
100th		 2.4x
EV / EBITDA 12.8x 11.9x
83rd		 13.6x
EV / EBIT 20.9x 16.1x
100th		 19.9x
EV / free cash flow 21.9x 11.9x
80th		 24.3x
Earnings yield 3.6% 5.5%
0th		 3.3%
FCF yield 5.8% 10.1%
33rd		 3.8%
Operating cash flow yield 8.5% 9.8%
33rd		 6.2%
Graham number (per share) $69.25 $69.25
50th		 $38.21

Profitability (TTM)

MeasureEFXIndustry medianIndustry percentileSector median
Gross margin 55.5% 35.6%
83rd		 30.5%
EBITDA margin 29.5% 12.9%
83rd		 14.3%
Operating margin 17.9% 10.0%
83rd		 9.8%
EBIT margin 18.0% 9.8%
83rd		 9.9%
Net margin 10.7% 6.4%
83rd		 6.0%
NOPAT margin 13.2% 8.2%
83rd		 7.8%
FCF margin 17.1% 10.6%
83rd		 7.0%
Operating cash flow margin 25.0% 10.8%
83rd		 11.2%
R&D / revenue 0.0% 0.0%
0th		 0.0%
SG&A / revenue 26.2% 22.1%
83rd		 14.1%
Stock comp / revenue 1.4% 1.0%
83rd		 0.6%
Effective tax rate 26.0% 26.0%
50th		 21.0%

Returns on capital

MeasureEFXIndustry medianIndustry percentileSector median
ROE (on average equity) 14.6% 19.3%
17th		 11.9%
ROA 5.8% 7.4%
17th		 4.8%
ROIC 8.8% 12.5%
17th		 8.7%
ROCE 12.4% 14.7%
17th		 9.4%
Return on tangible assets 9.7% 12.2%
17th		 7.9%
Cash ROIC (OCF / invested capital) 16.7% 16.6%
67th		 12.8%
Gross profitability (GP / assets) 23.9% 32.0%
0th		 19.2%
ROIC, 3-yr average 6.2% 9.2%
17th		 7.8%
ROIC, 5-yr average 7.8% 10.4%
20th		 8.6%
ROE, 5-yr average 14.6% 17.0%
20th		 12.5%
Incremental ROIC -245.1% -35.5%
17th		 20.5%

Growth

MeasureEFXIndustry medianIndustry percentileSector median
Revenue growth (TTM YoY) 10.3% 7.1%
67th		 8.6%
Revenue growth (QoQ) 3.1% 4.9%
33rd		 9.9%
Revenue CAGR, 3 yr 8.4% 8.4%
50th		 5.0%
Revenue CAGR, 5 yr 6.8% 7.6%
20th		 8.3%
Gross profit CAGR, 3 yr 0.6% 5.0%
33rd		 6.5%
Operating income CAGR, 3 yr 10.1% 11.2%
33rd		 6.4%
Net income growth (TTM YoY) 8.1% 1.2%
67th		 11.3%
Net income CAGR, 3 yr 9.6% 11.0%
33rd		 6.6%
EPS growth (TTM YoY) 13.3% 6.8%
67th		 13.3%
EPS CAGR, 3 yr 11.0% 11.8%
33rd		 5.6%
EPS CAGR, 5 yr -0.5% 7.5%
0th		 8.3%
FCF growth (TTM YoY) 20.5% 20.5%
50th		 14.7%
FCF CAGR, 3 yr 33.6% 30.3%
75th		 12.2%
Operating cash flow CAGR, 3 yr 13.8% 13.8%
50th		 8.8%
Book value CAGR, 3 yr 2.8% 2.8%
50th		 7.3%
Dividend CAGR, 3 yr 8.6% — 2.7%
Sustainable growth rate 9.2% 18.4%
17th		 11.0%

Margin history & stability

MeasureEFXIndustry medianIndustry percentileSector median
Gross margin, 3-yr average 51.9% 36.3%
83rd		 30.6%
Operating margin, 3-yr average 18.2% 10.3%
83rd		 10.0%
Net margin, 3-yr average 10.8% 7.1%
83rd		 6.2%
FCF margin, 3-yr average 15.1% 8.4%
83rd		 7.1%
Revenue stability (0-1) 0.96 0.94
67th		 0.81
Earnings stability (0-1) 0.08 0.38
0th		 0.47
Margin stability (0-1) 0.89 0.96
0th		 0.90

Liquidity (latest quarter)

MeasureEFXIndustry medianIndustry percentileSector median
Cash & short-term investments $170.1M $163.7M
67th		 $249.6M
Net cash (− = net debt) −$5.3B −$833.3M
0th		 −$666.5M
Working capital −$1.0B $180.9M
0th		 $376.4M
Current ratio 0.60 1.59
0th		 1.79
Quick ratio 0.60 1.59
0th		 1.33
Cash ratio (cash + ST investments / current liabilities) 0.06 0.10
33rd		 0.32
Defensive interval (days) 272 days 516 days
17th		 614 days

Leverage & solvency (latest quarter)

MeasureEFXIndustry medianIndustry percentileSector median
Total debt $5.5B $864.5M
100th		 $919.8M
Debt / equity 1.25 1.06
67th		 0.65
Net debt / equity 1.21 0.96
67th		 0.46
Debt / assets 45.6% 35.9%
67th		 29.3%
Debt / capital 55.5% 51.5%
67th		 39.5%
Debt / EBITDA 2.88 2.91
33rd		 2.44
Net debt / EBITDA 2.79 2.79
50th		 1.86
Interest coverage (EBIT / interest) 5.2x 11.5x
17th		 5.0x
Cash interest coverage 7.3x 10.6x
33rd		 6.1x
Debt payback (years of OCF) 3.4 yrs 3.3 yrs
60th		 3.2 yrs
Liabilities / assets 62.3% 62.3%
50th		 56.7%
IS credit model rating BBB — —
Implied credit spread (bps) 275 225
67th		 200

Efficiency

MeasureEFXIndustry medianIndustry percentileSector median
Asset turnover 0.54 1.12
17th		 0.75
Fixed asset turnover 1.89 11.08
0th		 5.14
Inventory turnover —
Receivables turnover 6.0 4.1
83rd		 6.7
Days sales outstanding 61 days 89 days
17th		 54 days
Days inventory outstanding —
Days payables outstanding 15 days 22 days
17th		 41 days
Cash conversion cycle (days) 45 days 56 days
33rd		 63 days
Capex / revenue 7.9% 1.1%
100th		 3.0%
Capex / depreciation 0.69 0.49
100th		 0.76
Operating expense ratio 36.0% 28.8%
83rd		 17.7%

Cash flow & earnings quality

MeasureEFXIndustry medianIndustry percentileSector median
Operating cash flow / net income 2.33 1.57
83rd		 1.50
FCF / net income 1.60 1.53
67th		 1.15
FCF / operating cash flow 68.5% 90.4%
0th		 74.0%
Capex / operating cash flow 31.5% 9.6%
100th		 26.1%
Accruals ratio -7.7% -5.8%
17th		 -4.0%
Sloan accruals ratio -11.2% -1.0%
0th		 -2.4%
Earnings quality score (0-1) 0.75 0.75
17th		 1.00

Dividends & buybacks

MeasureEFXIndustry medianIndustry percentileSector median
Dividend yield 1.4% 0.6%
83rd		 0.6%
Dividend per share (TTM) $2.18 $0.56
67th		 $0.44
Payout ratio (dividends / net income) 37.0% 11.6%
100th		 22.5%
Dividends / FCF 23.1% 2.6%
80th		 19.6%
Dividend growth (YoY) 29.4% — 5.6%
Buyback yield 7.1% 7.1%
50th		 0.5%
Shareholder yield (dividends + buybacks) 8.5% 8.5%
50th		 2.0%
Share count change (YoY) -4.6% -4.6%
50th		 0.0%
Buybacks, last 5 years $4.0B $666.0M
100th		 $76.0M

Scores & forensic checks

MeasureEFXIndustry medianIndustry percentileSector median
IS score 64 57
83rd		 53
IS profitability 54 49
67th		 37
IS growth 53 46
83rd		 54
IS value 48 61
0th		 47
IS momentum 81 75
83rd		 76
IS risk (safety) 80 80
33rd		 80
IS quality 70 68
83rd		 67
IS balance sheet 38 51
17th		 56
IS earnings quality 67 66
83rd		 70
IS cash flow 67 67
50th		 54
Piotroski F-score (0-9) 6 6
17th		 6
Altman Z-score 3.1 3.2
33rd		 3.3
Beneish M-score −2.83 −2.67
0th		 −2.52
Ohlson O-score −7.31 −7.31
33rd		 −7.49
IS credit score 56 63
17th		 65

Per share

MeasureEFXIndustry medianIndustry percentileSector median
EPS, diluted (TTM) $5.80 $6.44
33rd		 $2.21
Book value per share $36.75 $28.52
67th		 $18.38
Tangible book per share −$20.00 −$14.99
17th		 $4.39
Revenue per share $54.06 $100.90
17th		 $36.64
FCF per share $9.27 $9.27
50th		 $2.70
Operating cash flow per share $13.53 $10.89
100th		 $4.28
Cash per share $1.43 $1.91
17th		 $3.02

Size (TTM)

MeasureEFXIndustry medianIndustry percentileSector median
Market cap $18.9B $2.8B
100th		 $3.9B
Revenue $6.4B $1.8B
83rd		 $2.7B
EBITDA $1.9B $233.6M
100th		 $394.8M
Net income $691.3M $115.6M
83rd		 $136.3M
Free cash flow $1.1B $198.5M
83rd		 $162.9M
Total assets $12.0B $2.1B
100th		 $3.5B
Shareholders' equity $4.4B $1.0B
100th		 $1.4B
Employees 15,000 8,124
83rd		 6,050

Insider transactions, last 6 months

Form 4 · most recent 12
DateInsiderTypeSharesPriceValueOwned after
2026-09-30Marcus Robert D
Director
 Award / grant 255——2,973
2026-09-30Larson Barbara A
Director
 Award / grant 209——552
2026-09-03Gamble John W Jr
EVP, CFO & COO
 Open-market sale 4,500$187.96$845,82069,055
2026-08-10Larson Barbara A
Director
 Award / grant 181——181
2026-08-10Larson Barbara A
Director
 Award / grant 160——341
2026-07-24Begor Mark W
Director, CEO
 Option exercise 37,791$112.46$4.2M309,681
2026-07-24Begor Mark W
Director, CEO
 Open-market sale 500$175.85$87,926309,181
2026-07-24Begor Mark W
Director, CEO
 Open-market sale 600$169.86$101,915308,581
2026-07-24Begor Mark W
Director, CEO
 Open-market sale 600$168.47$101,085307,981
2026-07-24Begor Mark W
Director, CEO
 Open-market sale 1,300$174.91$227,386306,681
2026-07-24Begor Mark W
Director, CEO
 Open-market sale 2,936$173.79$510,241303,745
2026-07-24Begor Mark W
Director, CEO
 Open-market sale 4,112$172.79$710,512299,633

Shares acquired vs disposed, by month

acquired disposed · all Form 4 types
MarAprMayJunJulAugSep

By transaction type, 6 months

TypeDirectionFilingsSharesValue
Award / grantAcquired1412,303$2.0M
Open-market saleDisposed1586,037$14.9M
Option exerciseAcquired275,582$8.5M
Option exerciseDisposed275,582$8.5M
Tax withholdingDisposed11,934$334,969
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.

Form 144 notices

12 months: 13 notices · 195,013 shares · $38.2M
FiledFilerShares proposedEst. proceeds
2026-09-03Gamble John W Jr4,500$845,820
2026-07-24Begor Mark W37,791$6.5M
2026-05-07Borton Chad M2,455$426,900
2026-05-01Gamble John W Jr3,500$617,890
A Form 144 is notice of a proposed sale, not a confirmed one.

Congress trades

12 months: House 7 trades (3 purchases) · Senate 0 (0 purchases)
TradedMemberChamberTypeAmountDisclosed
2026-09-25Ro KhannaHouseSale$1,001 - $15,0002026-10-09
2026-04-14Gilbert CisnerosHouseSale$1,001 - $15,0002026-05-11
2026-04-14Gilbert CisnerosHouseSale (Full)$1,001 - $15,0002026-05-11
2026-04-13Gilbert Ray CisnerosHouseSale (Full)$1,001 - $15,0002026-05-11
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.

Largest 13F holders

Quarter to 2026-06-30, the latest most managers have filed
ManagerSharesValue% of shares out
BlackRock, Inc.9,396,150$1.5B8.00%
VANGUARD CAPITAL MANAGEMENT LLC7,780,433$1.2B6.62%
VANGUARD PORTFOLIO MANAGEMENT LLC5,242,614$832.1M4.46%
STATE STREET CORP5,199,595$825.3M4.43%
Capital International Investors5,187,147$823.3M4.42%
MASSACHUSETTS FINANCIAL SERVICES CO /MA/3,869,490$620.4M3.29%
GEODE CAPITAL MANAGEMENT, LLC3,155,753$498.9M2.69%
MORGAN STANLEY2,146,210$340.6M1.83%
Invesco Ltd.2,000,228$317.5M1.70%
PRICE T ROWE ASSOCIATES INC /MD/1,958,098$310.8M1.67%
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC1,888,519$299.7M1.61%
GENERATION INVESTMENT MANAGEMENT LLP1,832,583$290.9M1.56%
NORGES BANK1,535,111$243.7M1.31%
Egerton Capital1,481,188$235.1M1.26%
FMR LLC1,349,817$214.2M1.15%

Institutional ownership by quarter

2023-092026-06101.8%
% of shares held by 13F filers
2023-092026-06841
Number of 13F filers holding

Holder changes by quarter

QuarterHoldersOwnershipNewIncreasedReducedClosed
2026-06-30841101.8%115254355138
2026-03-31877101.5%138328280142
2025-12-3189898.6%159278318103
2025-09-30858102.0%8832626587
2025-06-30865100.7%13531126473
2025-03-31815104.1%7330326595
2024-12-31852100.3%12231126099
2024-09-3084199.4%13729624753
2024-06-30764102.1%7631022574
2024-03-3177699.9%9827026047
2023-12-31733100.8%12923524455
2023-09-30670100.5%6221425071

Schedule 13D / 13G filers

FiledFormFiler% of classShares
2026-05-14SCHEDULE 13G/ACapital International Investors3.2%3,820,844
2026-04-29SCHEDULE 13GVanguard Capital Management7.5%9,020,869
2026-02-17SCHEDULE 13GHarris Associates, Inc.6.2%7,557,127
2026-02-13SCHEDULE 13G/ACapital International Investors5.4%6,591,029
Required above 5% of a class; 13G is the passive form.

ETFs with the largest holding

ETFWeight in fundHolding value
VITSX0.02%$511.7M
VSMPX0.02%$511.7M
VTI0.02%$511.7M
VTSAX0.02%$511.7M
VOO0.02%$423.5M
VFFSX0.02%$423.5M

Share structure

Shares outstanding117,484,896
Float116,982,061
Free float99.6%

Income statement

Fiscal years, USD
FY2021FY2022FY2023FY2024FY2025
Revenue$4.9B$5.1B$5.3B$5.7B$6.1B
Cost of revenue$2.0B$2.2B$2.3B$2.5B$3.4B
Gross profit$2.9B$2.9B$2.9B$3.2B$2.7B
R&D$0$0$0$0$0
SG&A$1.4B$1.3B$1.4B$1.5B$1.6B
Operating income$1.1B$1.1B$933.6M$1.0B$1.1B
EBITDA$1.6B$1.7B$1.6B$1.7B$1.8B
Pretax income$949.2M$929.7M$717.9M$810.5M$894.9M
Income tax$200.7M$229.5M$166.2M$203.2M$230.6M
Net income$744.2M$696.2M$545.3M$604.1M$660.3M
EPS, diluted$6.02$5.65$4.40$4.84$5.32
Diluted shares123.6M123.3M123.9M124.9M124.1M

Balance sheet

FY2021FY2022FY2023FY2024FY2025
Cash & short-term investments$224.7M$285.2M$216.8M$169.9M$180.8M
Receivables$727.6M$857.7M$908.2M$957.6M$1.0B
Inventory$0$0$0$0$0
Total current assets$1.1B$1.4B$1.4B$1.4B$1.4B
PP&E, net$1.3B$1.6B$1.8B$1.9B$1.9B
Goodwill & intangibles$8.3B$8.3B$8.8B$8.2B$6.8B
Total assets$11.0B$11.5B$12.3B$11.8B$11.9B
Accounts payable$211.6M$250.8M$197.6M$138.2M$206.4M
Total current liabilities$2.3B$2.0B$2.0B$1.8B$2.3B
Long-term debt$4.5B$4.8B$4.7B$4.3B$4.1B
Total liabilities$7.4B$7.6B$7.6B$6.8B$7.1B
Shareholders' equity$3.6B$4.0B$4.7B$4.9B$4.7B

Cash flow statement

Outflows are negative
FY2021FY2022FY2023FY2024FY2025
Net income$748.5M$700.2M$551.7M$607.3M$664.3M
Depreciation & amortization$489.6M$568.6M$619.8M$680.6M$726.9M
Stock-based compensation$54.9M$62.6M$71.8M$81.6M$78.4M
Change in working capital−$26.3M−$625.6M−$42.5M$21.9M$117.1M
Operating cash flow$1.3B$757.1M$1.1B$1.3B$1.6B
Capital expenditure−$469.0M−$624.5M−$601.3M−$511.5M−$481.4M
Free cash flow$865.8M$132.6M$515.5M$813.0M$1.1B
Investing cash flow−$3.4B−$959.5M−$878.2M−$511.5M−$554.3M
Net debt issued / repaid$920.3M$491.5M−$77.6M−$704.6M$76.2M
Buybacks−$69.9M$0$0$0−$927.5M
Dividends paid−$190.0M−$191.1M−$191.8M−$193.2M−$232.8M

Ratio history

Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end
FY2021FY2022FY2023FY2024FY2025
Gross margin59.8%57.5%55.6%55.7%44.6%
Operating margin23.1%20.6%17.7%18.3%18.0%
Net margin15.1%13.6%10.4%10.6%10.9%
FCF margin17.6%2.6%9.8%14.3%18.7%
ROE22.0%18.5%12.8%12.9%14.0%
ROIC10.4%8.4%7.2%8.1%8.5%
ROA7.2%6.2%4.6%5.0%5.6%
Debt / equity1.481.461.261.041.11
Interest coverage7.5x6.1x4.0x4.5x5.2x
Current ratio0.490.680.670.750.60
Revenue growth+19.3%+4.0%+2.8%+7.9%+6.9%
EPS growth+38.8%−6.1%−22.4%+10.2%+11.8%
P/E at year end47.3x33.7x55.6x52.4x40.2x
EV / EBITDA at year end25.4x17.2x22.7x21.2x17.2x
FCF yield at year end2.46%0.57%1.70%2.57%4.27%
Dividend payout25.5%27.4%35.2%32.0%35.3%

Revenue by segment

FY2021FY2022FY2023FY2024FY2025
United States Consumer Information Solutions$1.8B$1.7B$1.7B$1.9B$4.2B
Workforce$2.0B$2.3B$2.3B$2.4B$2.6B
Workforce Solutions$2.0B$2.3B$2.3B$2.4B$2.6B
U.S. Information Solutions$1.8B$1.7B$1.7B$1.9B$2.1B
International$1.1B$1.1B$1.2B$1.4B$1.4B

Revenue by region · FY2025

UNITED STATES$4.7B · 88%
UNITED KINGDOM$325.9M · 6%
AUSTRALIA$318.1M · 6%

Street estimates by fiscal year

Next report 2026-10-20 · consensus EPS $2.20 · these are analysts' numbers, not ours
Fiscal yearRevenue (mean)Revenue rangeEPS (mean)EPS rangeAnalystsP/E on mean EPS
2026$6.7B$6.7B – $6.8B$8.52$8.15 – $8.661418.9x
2027$7.3B$7.0B – $7.5B$10.00$8.99 – $10.591416.1x
2028$8.0B$7.4B – $8.6B$12.10$11.97 – $12.21413.3x

Reported vs expected, every quarter on file

ReportedEPS expectedEPS actualEPS surpriseRevenue expectedRevenue actualRevenue surprise
2026-07-21$2.20$2.25+2.3%$1.7B$1.7B+0.2%
2026-04-21$1.69$1.86+10.1%$1.6B$1.6B+2.0%
2026-02-04$2.06$2.09+1.5%$1.5B$1.6B+1.5%
2025-10-21$1.94$2.04+5.2%$1.5B$1.5B+1.5%
2025-07-22$1.93$2.00+3.6%$1.5B$1.5B+1.6%
2025-04-22$1.41$1.53+8.5%$1.4B$1.4B+1.8%
2025-02-06$2.12$2.120.0%$1.4B$1.4B−1.4%
2024-10-16$1.85$1.850.0%$1.4B$1.4B−0.1%
2024-07-17$1.76$1.82+3.4%$1.4B$1.4B+0.4%
2024-04-17$1.44$1.50+4.2%$1.4B$1.4B−0.8%
2024-02-07$1.74$1.81+4.0%$1.4B$1.3B−5.9%
2023-10-18$1.78$1.76−1.1%$1.3B$1.3B−0.9%
2023-07-19$1.67$1.71+2.4%$1.4B$1.3B−2.6%
2023-04-19$1.37$1.43+4.4%$1.3B$1.3B+1.5%
2023-02-08$1.48$1.52+2.7%$1.2B$1.2B+1.1%
2022-10-19$1.63$1.73+6.1%$1.2B$1.2B+2.4%
2022-07-20$2.00$2.09+4.5%$1.3B$1.3B−0.0%
2022-04-20$2.14$2.22+3.7%$1.3B$1.4B+2.3%
2022-02-09$1.81$1.84+1.7%$1.2B$1.3B+0.3%
2021-10-20$1.72$1.85+7.6%$1.2B$1.2B+3.6%
2021-07-21$1.71$1.98+15.8%$1.2B$1.2B+4.6%
2021-04-21$1.55$1.97+27.1%$1.1B$1.2B+8.7%
2021-02-10$1.83$2.00+9.3%$1.1B$1.1B+3.6%
2020-10-21$1.60$1.87+16.9%$914.1M$1.1B+16.9%

Off-exchange (dark pool) volume, weekly

FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)
0.306-150.306-220.306-290.407-060.307-130.907-200.507-270.308-030.208-100.408-170.308-240.408-31
Week ofNotionalSharesTrades
2026-08-31$372.3M2,062,11251,269
2026-08-24$290.3M1,501,30942,565
2026-08-17$438.1M2,326,80453,142
2026-08-10$224.9M1,237,50543,535
2026-08-03$299.5M1,686,50249,973
2026-07-27$458.0M2,514,03060,786

Short-sale share of off-exchange volume

daily 20-day average
07-2310-1559.0%
DateShort shareShort volumeTotal volume
2026-10-1559.0%478,882810,981
2026-10-1451.7%261,803506,290
2026-10-1352.4%235,600449,219
2026-10-1250.7%266,596525,558
2026-10-0947.7%218,434458,332
2026-10-0862.4%338,293542,211
2026-10-0748.2%259,724538,386
2026-10-0650.9%328,002643,868
2026-10-0535.0%420,4551,202,063
2026-10-0244.8%596,9731,331,963
A daily flow measure from FINRA, not short interest.

Seasonality

Average return by calendar month
+1.5Jan-2.1Feb+1.9Mar+3.6Apr+0.2May+1.3Jun+1.7Jul+0.3Aug-2.2Sep-1.8Oct+4.5Nov+3.7Dec
MonthAvg returnUp yearsYears
Jan+1.5%65%20
Feb−2.1%35%20
Mar+1.9%62%21
Apr+3.6%70%20
May+0.2%55%20
Jun+1.3%50%20
Jul+1.7%60%20
Aug+0.3%65%20
Sep−2.2%40%20
Oct−1.8%50%20
Nov+4.5%75%20
Dec+3.7%75%20
History, not a forecast.

Indicators

as of 2026-10-16
RSI 1459.2
MFI77.2
ADX28.4
Stochastic %K / %D95.2 / 82.8
Williams %R-11.9
CCI150
TSI / signal-17.9 / -33.0
Chaikin money flow-0.01
ATR$5.17
Bollinger width19.7%
Volume vs 20-day avg0.95x
SupertrendUp

Moving averages and bands

level (price vs level)
SMA 20$148.11 (+8.9%)
SMA 50$167.48 (−3.7%)
SMA 200$178.90 (−9.9%)
EMA 21$152.82 (+5.5%)
EMA 50$160.81 (+0.3%)
EMA 200$180.49 (−10.7%)
Bollinger upper$162.73 (−0.9%)
Bollinger lower$133.50 (+20.8%)
Parabolic SAR$144.16 (+11.9%)
Open the live chart, 110+ indicators

About Equifax Inc.

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.

https://www.equifax.com

Key executives

NameTitlePayBorn
Mark W. BegorChief Executive Officer & Director$5.0M1958
John W. Gamble Jr.Executive Vice President, Chief Financial Officer & Chief Operating Officer$2.4M1963
Chad BortonExecutive Vice President & President of Workforce Solutions$2.2M1971
Jamil FarshchiExecutive Vice President & Chief Technology Officer$2.1M1978
Julia A. HoustonExecutive Vice President & Chief Legal Officer$1.7M1971
Carla J. ChaneyExecutive Vice President & Chief Human Resources Officer—1970
James GriggsChief Accounting Officer & Corporate Controller——
Kathryn Q. WalkerExecutive VP and Chief Marketing & Communications Officer—1978

Executive pay, latest proxy

ExecutiveYearSalaryStock awardsIncentiveTotal
Mark W. Begor Chief Executive Officer2025$1.5M$15.0M$2.7M$23.4M
John W. Gamble, Jr. EVP, Chief Financial Officer & Chief Operations Officer2025$800,000$4.1M$1.6M$8.1M
Chad M. Borton EVP, President, Workforce Solutions2025$769,231$3.7M$1.2M$7.0M
Todd Horvath Former EVP, President, U.S. Information Solutions2025$332,039$0$545,198$6.9M
Jamil Farshchi EVP, Chief Technology Officer2025$722,116$3.1M$1.2M$6.1M
John J. Kelley III Former EVP, Chief Legal Officer (through April 1, 2025)2025$650,000$2.6M$736,698$5.1M

Employees

11k201811k201911k202013k202114k202215k202315k202415k2025

Dividends

Ex-dateAmountPaid
2026-08-31$0.562026-09-15
2026-05-22$0.562026-06-15
2026-03-09$0.562026-03-17
2025-11-24$0.52025-12-15
2025-09-02$0.52025-09-15
2025-05-23$0.52025-06-13
2025-02-21$0.392025-03-14
2024-11-22$0.392024-12-13

Moat model

Weak · Efficient Scale · 2026-06-30
Cost advantage44
Intangibles39
Switching costs59
Network effect55
Efficient scale85
Our component scores (0-100) and overall 54.3; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17

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