InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$161.25

2026-10-16

Market Cap

$18.9B

Volume

2.4M

52-Wk High

$238.94

52-Wk Low

$137.01

Trailing PE

28.1

P/S

2.94

Gross Margin

55.5%

Net Margin

10.7%

ROE

15%

ROIC

8%

Piotroski

6/9

Altman Z

3.1

1-Yr Return

-28.9%

5-Yr Return

+18.8%

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.

SectorIndustrialsIndustryConsulting ServicesExchangeNYSEMarket Cap$18.9BEmployees15,000 (SEC-filed)CEOMark W. BegorIPO1980-03-17CountryUS

1550 Peachtree Street, NW, Atlanta, GA 30309 · Tel 404 885 8000 · equifax.com

INSIDERSTREET SCORE64 / 100Street mean $199.31 (16 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$15M sold / 6 mo, zero open-market buys

1 Year vs S&P 500 · EFX -28.9% · S&P 500 +15.9% · spread -44.8pp

7 Years vs S&P 500 · EFX +18.8% · S&P 500 +189.9% · spread -171.0pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE64of 100

Score Breakdown

Profitability	54/100
Growth	53/100
Momentum	81/100
Quality	70/100
Earnings Quality	67/100
Balance Sheet	38/100
Value	48/100
Risk (safety)	80/100
Overall	63.7/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
BAH	52
FCN	61
HURN	57
SNA	65
LUV	52
CW	70
EFX	64

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 66 in 26 Q1, latest 64 — -2 since. Fell in 2 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY64 / 100IS Score 63.7 / 100 · -2.1 from peak of 66

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBULLISHTechnical Score 66 / 100 · Power +33 · 16 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit above the midpoint — business quality at 64 and price structure at 66 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 63.7	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 65 → 62 → 66 → 64	the direction matters more than the level
Technical vote share back above 50%	now 55%	price structure no longer broken
Institutional holder count rises two quarters running	peak 898 → now 841	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score2 of 4top 13% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)0 buysnone disclosed

Insider Buys (180d)0none disclosed

ETF Funds (30d)967 up / 752 downnet +215 funds

Institutions Added (13F)-36managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 898 · latest 841 (-57 from peak).

Quarter	Holders	13F shares	Value	Reported own%	Guard
2026 Q2	841	120.6M	$18.7B	101.8%	ex-outlier 93.9%
2026 Q1	877	120.2M	$20.4B	101.5%	ex-outlier 93.5%
2025 Q4	898	116.7M	$23.5B	98.6%
2025 Q3	858	120.8M	$28.4B	102.0%
2025 Q2	865	119.2M	$27.9B	100.7%
2025 Q1	815	123.2M	$26.8B	104.1%
2024 Q4	852	118.8M	$27.5B	100.3%
2024 Q3	841	117.7M	$32.2B	99.4%
2024 Q2	764	120.8M	$27.1B	102.1%
2024 Q1	776	118.3M	$29.5B	99.9%
2023 Q4	733	119.4M	$27.5B	100.8%
2023 Q3	670	119.0M	$20.3B	100.5%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

Why 2026-06 reads 101.84%. Institutions cannot hold more of a company than exists. The reported 120.6M shares exceed the 118.4M outstanding, and a single filer accounts for the excess: BlackRock, Inc. reports 9,396,150 shares against 9,461,948 the prior quarter, a 1x jump, which alone would be 7.9% of the company. Excluding that filing, ownership is 93.9%. We publish both figures. 13F filings are due 45 days after quarter end and amendments keep arriving after that, so the newest quarter is provisional by construction - this is what an unsettled quarter looks like.

Why 2026-03 reads 101.54%. Institutions cannot hold more of a company than exists. The reported 120.2M shares exceed the 118.4M outstanding, and a single filer accounts for the excess: BlackRock, Inc. reports 9,461,948 shares against 9,952,005 the prior quarter, a 1x jump, which alone would be 8.0% of the company. Excluding that filing, ownership is 93.5%. We publish both figures. 13F filings are due 45 days after quarter end and amendments keep arriving after that, so the newest quarter is provisional by construction - this is what an unsettled quarter looks like.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Marcus Robert D	director	2026-09-30	A-Award	255	—	2,973
Larson Barbara A	director	2026-09-30	A-Award	209	—	552
Gamble John W Jr	EVP, CFO & COO	2026-09-03	SELL	4,500	$0.85M	69,055
Larson Barbara A	director	2026-08-10	A-Award	181	—	181
Larson Barbara A	director	2026-08-10	A-Award	160	—	341
Begor Mark W	director, CEO	2026-07-24	EXERCISE	37,791	$4.25M	309,681
Begor Mark W	director, CEO	2026-07-24	SELL	500	$0.09M	309,181
Begor Mark W	director, CEO	2026-07-24	SELL	600	$0.10M	308,581

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	15	86,037	$14.9M	Counted
M — Exercises (paired A/D)	2	75,582	$8.5M	None — mechanics
F — Tax withholding	1	1,934	$0.3M	None — compensation
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$14.9M15 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-09-03	Gamble John W Jr	4,500	$0.8M
2026-07-24	Begor Mark W	37,791	$6.5M
2026-05-07	Borton Chad M	2,455	$0.4M
2026-05-01	Gamble John W Jr	3,500	$0.6M
Trailing 12 mo	14 filings	199,566	$39M

Filed	Form	Reporting person	% of class	Shares
2026-05-14	SCHEDULE 13G/A	Capital International Investors	3.20%	3.8M sh
2026-04-29	SCHEDULE 13G	Vanguard Capital Management	7.47%	9.0M sh
2026-02-17	SCHEDULE 13G	Harris Associates, Inc.	6.20%	7.6M sh
2026-02-13	SCHEDULE 13G/A	Capital International Investors	5.40%	6.6M sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	SELL	$1,001 - $15,000	2026-09-25	2026-10-09
Gilbert Cisneros	House	SELL	$1,001 - $15,000	2026-04-14	2026-05-11
Gilbert Cisneros	House	SELL	$1,001 - $15,000	2026-04-14	2026-05-11

House 12-Mo7 trades3 purchases

Senate 12-Mo0 tradesNone purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)877

13F Shares120M101.5% of shares out

New / Closed138 / 142positions, QoQ

Increased / Reduced328 / 280positions, QoQ

Put/Call (13F)0.65option positions

Free Float99.6%117M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Assenagon Asset Management S.A.	248,656	$34M
Trinity Street Asset Management Ll	167,461	$23M
Fisher Funds Management Ltd	87,991	$12M
Y-Intercept	62,150	$9M
Fjarde Ap-Fonden /Fourth Swedish N	39,511	$5M
Mn Services Vermogensbeheer B.V.	35,440	$5M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.0%	$512M
VSMPX	0.0%	$512M
VTI	0.0%	$512M
VTSAX	0.0%	$512M
VOO	0.0%	$423M
VFFSX	0.0%	$423M

13F Filers Holding EFX — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session59.0%2026-10-15

20-Day Avg48.8%50-day 56.7%

TrendFalling20d vs 50d

By Market CenterQ: 58% · N: 78% · B: 71%latest session

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Weekly Notional ($B)

Where EFX Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	2.8M	33 sh
Ubsa Ubs Ats	2.8M	45 sh
Sgmt Sigma X2	1.8M	33 sh
Ebxl Level Ats	1.7M	32 sh
Mlix Instinct X	1.4M	46 sh
Mspl Ms Pool (Ats-4)	1.1M	87 sh

Where a dollar of Equifax Inc. revenue goes. All values FY2025 filings, live.

Region	Revenue	Share
UNITED STATES	$4.7B	88%
UNITED KINGDOM	$326M	6%
AUSTRALIA	$318M	6%

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EFX (live moat model)Peer median: BAH · FCN · HURN · SNA · LUV

Component scores from the live moat model. Peer median illustrative.

Moat score 54/100 — Weak; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Mark W. Begor	Chief Executive Officer & Director
John W. Gamble Jr.	Executive Vice President, Chief Financial Officer & Chief Operating Officer
Chad Borton	Executive Vice President & President of Workforce Solutions
Jamil Farshchi	Executive Vice President & Chief Technology Officer

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Quarterly EPS — Actual vs. Consensus

Beats (>2%)3 of 6recent quarters

Avg Surprise-1.0%

Next Report2026-10-20

Income Quality2.31OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

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Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+19.3%	+4.0%	+2.8%	+7.9%	+6.9%
Gross profit	+23.1%	+0.1%	-0.5%	+7.9%	-14.3%
Operating income	+68.2%	-7.2%	-11.6%	+11.6%	+5.1%
Net income	+43.1%	-6.4%	-21.7%	+10.8%	+9.3%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	4.9	5.1	5.3	5.7	6.1
Cost of revenue	2.0	2.2	2.3	2.5	3.4
Gross profit	2.9	2.9	2.9	3.2	2.7
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	1.4	1.3	1.4	1.5	1.6
Operating income	1.1	1.1	0.9	1.0	1.1
EBITDA	1.6	1.7	1.6	1.7	1.8
D&A	0.5	0.6	0.6	0.7	0.7
Pretax income	0.9	0.9	0.7	0.8	0.9
Income tax	0.2	0.2	0.2	0.2	0.2
Net income	0.7	0.7	0.5	0.6	0.7
Diluted EPS ($)	6.02	5.65	4.40	4.84	5.32
Diluted shares (M)	124	123	124	125	124

Operating CF$2B

CapEx$0B

Free cash flow$1B

SBC$0B

Buybacks$1B

Net cash change$0B

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	0.3	0.2	0.2	0.2
ST investments	0.0	0.0	0.0	0.0
Receivables (net)	0.9	0.9	1.0	1.0
Total current assets	1.4	1.4	1.4	1.4
PP&E (net)	1.6	1.8	1.9	1.9
Goodwill + intangibles	8.3	8.8	8.2	6.8
Total assets	11.5	12.3	11.8	11.9
Accounts payable	0.3	0.2	0.1	0.2
Short-term debt	1.0	1.0	0.7	1.0
Deferred revenue	0.1	0.1	0.1	0.1
Total current liabilities	2.0	2.0	1.8	2.3
Long-term debt	4.8	4.7	4.3	4.1
Total liabilities	7.6	7.6	6.8	7.1
Shareholders' equity	4.0	4.7	4.9	4.7

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	0.7	0.6	0.6	0.7
D&A	0.6	0.6	0.7	0.7
Stock-based compensation	0.1	0.1	0.1	0.1
Working capital change	(0.6)	(0.0)	0.0	0.1
Operating cash flow	0.8	1.1	1.3	1.6
Capital expenditures	(0.6)	(0.6)	(0.5)	(0.5)
Investing cash flow	(1.0)	(0.9)	(0.5)	(0.6)
Buybacks	0.0	0.0	0.0	(0.9)
Dividends paid	(0.2)	(0.2)	(0.2)	(0.2)
Debt issuance / (repay)	0.5	(0.1)	(0.7)	0.1
Financing cash flow	0.3	(0.3)	(0.8)	(1.1)
Free cash flow	0.1	0.5	0.8	1.1

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	22.0%	18.5%	12.8%	12.9%	14.0%	15%
ROA	7.2%	6.2%	4.6%	5.0%	5.6%	5.8%
ROIC	10.4%	8.4%	7.2%	8.1%	8.5%	7.9%
Gross margin	59.8%	57.5%	55.7%	55.7%	44.6%	55.5%
Operating margin	23.1%	20.6%	17.7%	18.3%	18.0%	17.9%
Net margin	15.1%	13.6%	10.4%	10.6%	10.9%	10.7%
EBITDA margin	32.2%	32.8%	30.0%	30.3%	30.1%	29.5%
FCF margin	17.6%	2.6%	9.8%	14.3%	18.7%	—
VALUATION
P/E	47.31	33.69	55.64	52.36	40.19	28.1
P/B	9.82	5.93	6.69	6.59	5.76	4.4
P/S	7.15	4.58	5.76	5.57	4.37	2.94
P/FCF	40.66	176.92	58.85	38.91	23.39	17.1
EV/EBITDA	25.42	17.23	22.69	21.20	17.22	12.7
EV/Revenue	8.18	5.65	6.81	6.42	5.18	3.8
Earnings yield	2.1%	3.0%	1.8%	1.9%	2.5%	3.62%
FCF yield	2.5%	0.6%	1.7%	2.6%	4.3%	5.83%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	0.49	0.68	0.67	0.75	0.60	0.60
Quick ratio	0.49	0.68	0.67	0.75	0.60	0.60
Debt / equity	1.48	1.46	1.26	1.04	1.11	1.25
Debt / assets	48.0%	50.1%	46.5%	42.6%	42.9%	45.6%
Net debt / EBITDA	3.20	3.27	3.48	2.81	2.69	2.79
Interest coverage	7.52	6.08	3.97	4.54	5.22	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.48	0.45	0.44	0.47	0.51	0.54
Receivables turnover	7.25	6.46	5.96	6.09	6.17	5.8
DSO (days)	50	56	61	60	59	63
DPO (days)	34	39	35	24	19	16
Cash conversion cycle	16	18	26	36	41	46
GROWTH (YoY)
Revenue growth	19.3%	4.0%	2.8%	7.9%	6.9%	—
Net income growth	39.6%	-6.4%	-21.7%	10.8%	9.3%	—
EPS growth	38.8%	-6.1%	-22.4%	10.2%	11.8%	—
FCF growth	64.9%	-84.7%	288.8%	57.7%	39.5%	—
PER SHARE ($)
EPS (diluted, TTM)	6.01	5.65	4.38	4.83	5.40	5.84
Book value / share	28.95	32.09	36.45	38.34	37.65	38.17
Revenue / share	39.77	41.54	42.32	45.41	49.67	54.43
FCF / share	6.99	1.08	4.14	6.50	9.27	9.33
Cash / share	1.82	2.31	1.74	1.36	1.48	1.44
SHAREHOLDER RETURN & SCORES
Buyback yield	0.2%	0.0%	0.0%	0.0%	3.5%	7.13%
Altman Z-Score	4.09	3.19	3.66	4.22	3.72	3.1
Piotroski F-Score	6	6	5	8	6	6/9
Beneish M-Score	-2.43	-2.31	-2.63	-2.73	-0.61	-2.83

Model	Score	Zone	Note
Piotroski F-Score	6 / 9	Middling
Altman Z-Score	3.1	Safe (>2.99)	Safe
Income quality	2.31	Cash-backed	OCF ÷ net income
Beneish M-Score	-2.83	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.73
Interest burden	0.81
Operating margin	18.0%
Asset turnover	0.54×
Financial leverage	2.52×
= ROE	15%

Growth Quality (live)	Value
Revenue stability	0.96
Earnings stability	0.08
Earnings persistence	0.97
Revenue CAGR 3y	8.4%
EPS CAGR 3y	11.0%
FCF CAGR 3y	33.6%

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Buyback Yield7.13%

Dividend Yield1.35%

Total Shareholder Return8.28%cash yield

SBC / Revenue1.4%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
BAH	$8.9B	11.6	69%	7.1%	-7.3%	6/9	-23.1%
FCN	$4.1B	18.1	16%	5.8%	+7.1%	6/9	-2.1%
HURN	$2.8B	25.6	27%	6.6%	+16.3%	6/9	+18.8%
SNA	$19.0B	18.4	18%	21.1%	+0.1%	6/9	+7.5%
LUV	$19.3B	23.8	11%	2.8%	+9.5%	7/9	—
CW	$18.6B	34.4	20%	16.4%	+10.5%	8/9	—
WWD	$19.4B	35.5	22%	13.2%	+22.3%	7/9	—
NDSN	$18.0B	32.5	18%	18.7%	+7.0%	9/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

36 Analysts

Str Sell (0)Sell (1)Hold (12)Buy (23)Str Buy (0)

Mean Target (qtr)$199.3116 targets

Target vs. Price+23.6%last-quarter mean

Next Report2026-10-20street $2.20

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$6.73B	$6.78B / $6.69B	$8.52	$8.66 / $8.15	14
FY2027	$7.29B	$7.54B / $7.00B	$10.00	$10.59 / $8.99	14
FY2028	$8.00B	$8.63B / $7.45B	$12.10	$12.21 / $11.97	4

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$168.50	+4.5%	6
Last Quarter	$199.31	+23.6%	16
Last Year	$215.14	+33.4%	36
All Time	$247.27	+53.3%	94

Rolling mean of published targets vs. last close $161.25. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

B

DCF

3/5

ROE

4/5

ROA

4/5

Debt/Eq

1/5

P/E

2/5

P/B

2/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

EFX -28.9% vs S&P 500 +15.9% — spread -44.8pp

Sector — XLI +10.7%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$148.11	+13.14	+8.87%	Above
SMA 50	$167.48	-6.23	-3.72%	Below
SMA 200	$178.90	-17.65	-9.87%	Below
EMA 9	$152.05	+9.20	+6.05%	Above
EMA 21	$152.82	+8.43	+5.52%	Above
EMA 50	$160.81	+0.44	+0.27%	Above
EMA 200	$180.49	-19.24	-10.66%	Below

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBULLISHPower Score +3316 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%60

Momentum 25%82

Volume 20%69

Volatility 10%67

Patterns 15%50

This Week55% bullishof 11 price-based votes

4 Weeks Ago0%+55 pts since

12 Weeks Ago27%+28 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$148.11

Price vs SMA 50$167.48

Price vs SMA 200$178.90

EMA 9/21 Cross152.1/152.8

SMA 50/200Death

ADX DirectionADX 28

Supertrend$147

Parabolic SAR$144

SMA Slope0.120

RSI59.2

Stochastic K/D95/83

StochRSI K/D100/100

Williams %R-12

CCI150

TSI vs Signal-17.9

CMO18.4

ROC15.12%

OBV SignalAccum

Chaikin MF-0.010

MFI77

Force Index3M

Elder Ray Bull11.61

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 83

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$158.24 / $164.51 / $167.77	S1 / S2	$154.98 / $148.71
Bollinger (20,2)	$133.50 – $162.73	Squeeze	Off
52-wk range	$137.01 – $238.38	Off 52-wk high	-32.4%
ATR (14)	$5.17 (3.2%)	Historical vol	38.9%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

+1.5%Jan65%

-2.1%Feb35%

+1.9%Mar62%

+3.6%Apr70%

+0.2%May55%

+1.3%Jun50%

+1.7%Jul60%

+0.3%Aug65%

-2.2%Sep40%

-1.8%Oct50%

+4.5%Nov75%

+3.7%Dec75%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	EFX	S&P 500
Weekly volatility (σ, 1y)	5.70%	1.83%
Best / worst week (1y)	+10.8% / -12.1%	—
Max drawdown (5y, monthly)	-50.9%	—
1-week VaR (95%)	-11.7%	—
Beta (5y)	1.30	1.00

EFX EQUITY WEATHER (LIVE)CLOUDY · -6

Trend-4

Momentum+65

Volume-42

Volatility-60

Breadth-32

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 189 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-5.7+1.7 vs industry

Trend-4.0-3.2 vs industry

Momentum+64.5+65.0 vs industry

Volume-42.1-45.4 vs industry

Reading	EFX	Consulting Services n=120	Industrials n=9,922	All US symbols n=70,435
Overall	-5.7	-7.4	-24.1	-20.5
Trend	-4.0	-0.7	-26.2	-21.3
Momentum	+64.5	-0.5	-24.5	-15.8
Volume	-42.1	+3.2	-22.6	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Mark W. Begor Chief Executive Officer	$23.4M	76% equity+incentive
John W. Gamble, Jr. EVP, Chief Financial Off	$8.1M	70% equity+incentive
Chad M. Borton EVP, President, Workforce Sol	$7.0M	70% equity+incentive
Todd Horvath Former EVP, President, U.S. Inf	$6.9M	8% equity+incentive
Jamil Farshchi EVP, Chief Technology Officer	$6.1M	69% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	46
Social	52
Governance	63
Composite ESG	54

Composite ESG Trend

Filed	8-K contents	Items
2026-07-29	Other Events; Exhibits	8.01,9.01
2026-07-21	Earnings Release; Exhibits	2.02,9.01
2026-06-16	Bylaws Amendment; Exhibits	5.03,9.01
2026-05-13	Shareholder Vote	5.07
2026-04-24	Material Agreement; Financial Obligation; Exhibits	1.01,2.03,9.01
2026-04-21	Earnings Release; Exhibits	2.02,9.01
2026-02-04	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01
2025-10-21	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-10-21 to 2026-07-21
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	123 rows · 1995 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-07-24 to 2026-09-30
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	4 rows · 2026-02-13 to 2026-05-14
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Equifax Inc. (EFX)

Equifax Inc. (EFX)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Equifax Inc. (EFX)

Institutions holding — 12 quarters

Equifax Inc. (EFX)

Monthly Net Insider Flow (000 shares)

Signal Summary

Equifax Inc. (EFX)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding EFX — quarterly

Institutional Put/Call — quarterly

Equifax Inc. (EFX)

Where EFX Trades in the Dark

Equifax Inc. (EFX)

3.8 · Employees (SEC filings)

Equifax Inc. (EFX)

Equifax Inc. (EFX)

Equifax Inc. (EFX)

Balance Sheet — Full

Cash Flow Statement — Full

Equifax Inc. (EFX)

Equifax Inc. (EFX)

Equifax Inc. (EFX)

Equifax Inc. (EFX)

Street Price Target — Trajectory

Third-Party Composite Rating

Equifax Inc. (EFX)

Equifax Inc. (EFX)

Family Scores (site weights)

Equifax Inc. (EFX)

Equifax Inc. (EFX)

Equifax Inc. (EFX)