Equifax Inc (EFX) Fair Value & Analysis
Industrials · US · Market cap $21.4B
Equifax Inc
EFX · US
Fair value as of: Jul 18, 2026
From 26 valuation models · updated 20 days ago
Share price +0.7% over the past month.
A solid business, but screening 42% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($145.57). The favourable scenario is already priced in.
- Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range ($58.36 to $145.57) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.
How to read this chart
60‑month range $145.86 – $301.98 · fair‑value band $58.36 – $145.57 · the $175.79 price screens above the $101.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.
Analysis
Equifax Inc (EFX) currently trades at $175.79, while our model-based Fair Value estimate is $101.34, implying the stock looks roughly 42.4% overvalued today. We read business quality at 51/100 (solid quality), in the Industrials sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Equifax Inc generated revenue of $6.3B at a net margin of 11.1%. Revenue grew 14.3% year over year. It earns a return on equity of 14.4%. Net debt stands at $4.9B. Fundamentals as of Jul 18, 2026
Our scenario range runs from $58.36 (bear case) to $145.57 (bull case); at $175.79, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The last reported earnings sit well below what analysts expect (earnings in transition, for example after write-downs or an earnings dip); whether the stock is cheap or expensive hinges on the expected recovery actually arriving. Read the fair value with that caveat. The share trades about 36% below its 52-week high and 13% above its 52-week low, currently below its 200-day average. For context, the median of 10 Industrials peers we cover trades at -4% fair-value upside, at -42%, EFX screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: Growth DCF ($108.22) versus Asset-Based ($25.91). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 27
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Equifax Inc. operates as a data, analytics, and technology company. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International.
Full company description
Equifax Inc. operates as a data, analytics, and technology company. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment offers services that enables customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure, and sanctions of people in the United States; and employer customers with services that that assist them in complying with and automating certain payroll-related and human resource management processes throughout the entire cycle of the employment relationship. The U.S. Information Solutions 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 services; mortgage services; financial marketing services; identity management services; and credit monitoring products. The International segment offers information service products, which include consumer and commercial services comprising credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as information, technology, and services to support debt collections and recovery management. The company also provides information solutions for businesses, governments and consumers; and human resources business process automation and outsourcing services for employers. It operates in Argentina, Australia, Brazil, Canada, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, India, Ireland, Mexico, New Zealand, Paraguay, Peru, Portugal, Spain, the United Kingdom, Uruguay, and the United States. The company was founded in 1899 and is headquartered in Atlanta, Georgia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Equifax Inc reported revenue of $6.1B in FY2025 versus $4.9B in FY2021, a compound +5.4%/yr. Reported net income was $660M in FY2025, compounding −2.9%/yr from FY2021.
EFX screens 42% overvalued. Compare with Verisk Analytics, Inc →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Equifax’s (EFX) Essential Datasets Drive Consistent Growth
- Equifax (EFX) Just Raised $1 Billion Through Two Back To Back Note Sales
- Equifax (EFX) Looks Attractive Defying Mortgage Weakness and AI Fears
- Is Equifax Stock Attractive After Its Steep One-Year Price Decline?
Peer Group
Consulting Services · 83 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Consulting Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 42/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Consulting Services stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).
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|---|---|---|---|
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| ALS Limited ALQ | A$21.96 | A$11.02 | -50% |
| Booz Allen Hamilton Holding BAH | $63.94 | $120.62 | +89% |
| DKSH Holding DKSH | CHF 67.60 | CHF 64.81 | -4% |
| FTI Consulting, Inc FCN | $156.86 | $171.64 | +9% |
| Centre Testing International Group 300012 | ¥14.06 | ¥11.90 | -15% |
| GRG Metrology & Test Group 002967 | ¥16.56 | ¥11.69 | -29% |
| Ipsos SA IPS | €34.88 | €85.77 | +146% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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