Equifax Inc. (EFX) AI Stock Analysis

Equifax Inc. specializes in providing information solutions and human resources business process automation outsourcing services across businesses, governments, and consumers. The company operates through three key segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. Workforce Solutions provides employment and income verification, criminal history checks, payroll-based transaction tools, employment tax management, and identity theft protection. The USIS segment delivers consumer and commercial credit information, credit scoring, credit modeling, fraud detection, identity verification, mortgage reporting, and portfolio analytics. The International segment provides localized credit reporting, financial information, scoring, and debt collections support across countries including Canada, Australia, and New Zealand.

Equifax grew its annual revenue from $4.92B in FY2021 to $6.07B in FY2025, reflecting a 5-year revenue CAGR of 8.0%. Annual net income moved from $744.2M in FY2021 to $545.3M in FY2023, before rebounding to $660.3M in FY2025 alongside a 10.9% net margin. Operating margin moderated from 23.1% in FY2021 to 18.0% in FY2025. Over the trailing twelve months ended June 30, 2026, revenue stood at $6.44B with a 17.3% operating margin and EPS of $5.68. For the latest quarter ended June 30, 2026, quarterly revenue increased 10.6% year-over-year, while quarterly earnings grew 0.7%.

As of June 30, 2026, Equifax held $170.1M in cash and short-term investments against $5.47B in total debt, resulting in net debt of $5.30B. The company recorded a current ratio of 0.60 and a debt-to-equity ratio of 1.25 on shareholders' equity of $4.38B. Operating cash flow reached $1.62B in FY2025, supporting free cash flow of $1.13B. Capital expenditures were $481.4M in FY2025, alongside $927.5M in share buybacks and $232.8M in dividend payments.

At a share price of $161.25, Equifax carries a market cap of $18.94B and an enterprise value of $23.54B. The stock trades at a trailing P/E of 28.4x, which aligns closely with the median of its S&P 500 Industrials peers at 28.5x. Its forward P/E of 16.1x is lower than the peer median of 20.7x, and its EV/EBITDA of 12.3x is below the peer median of 17.7x. The company has underperformed the broader market, posting a 1-year return of -28.2% compared to a 16.8% return for the S&P 500.

Equifax pays an annual forward dividend of $2.24 per share, resulting in a dividend yield of 1.39%. Its dividend payout ratio stands at 26.5%, supported by 42 consecutive years of dividend payments. Over the past 5 years, the dividend grew at an annualized rate of 3.9%, and the company's last ex-dividend date occurred on August 31, 2026.

Wall Street analysts show positive sentiment, reporting 13 Strong Buy, 6 Buy, and 5 Hold ratings. The mean price target is $196.35, representing a 21.8% upside relative to the last close of $161.25. Consensus estimates project full-year revenue of $6.73B and EPS of $8.50 for the fiscal year ending December 31, 2026. Equifax has beat EPS estimates in each of the last 4 quarters, and its next earnings date is October 20, 2026.

This page is an AI-written research summary of Equifax Inc. (EFX). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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