Equifax Inc (EFX) Fair Value & Analysis
Industrials · US · Market cap $21.4B · ISIN US2944291051
What is Equifax Inc really worth?
Equifax Inc
EFX · US
A solid business, but trading 89% above our fair value of $100.04.
Strengths
Risks
For context
Fair value as of: Aug 22, 2026
From 26 valuation models · updated 14 days ago
Share price +6.8% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
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 (63/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range ($57.05 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 Aug 22, 2026.
How to read this chart
60‑month range $145.86 – $301.98 · fair‑value band $57.05 – $145.57 · the $189.09 price screens above the $100.04 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 22, 2026.
Analysis
Equifax Inc (EFX) currently trades at $189.09, while our model-based Fair Value estimate is $100.04, implying the stock looks roughly 89.0% overvalued today. The Quality Score stands at 63/100 (solid quality), in the Industrials sector. Bull case: the DCF Models group reads highest at a median of $105.19 per share, and 0 of the 26 models we run sit above the $189.09 price. Bear case: the Asset-Based group reads lowest at $25.91, and 26 of the 26 models stay below the price. Evidence for this calculation is 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 Aug 22, 2026
Our scenario range runs from $57.05 (bear case) to $145.57 (bull case); at $189.09, 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 31% below its 52-week high and 21% above its 52-week low, currently below its 200-day average. For context, the median of 10 Industrials peers we cover trades at −2% fair-value upside, at −47%, EFX screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $2.40 per share, which is 2.4 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 26 models by family
Widest divergence: DCF Models ($105.19) versus Asset-Based ($25.91). Highest evidence: FCF DCF (78).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 22, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 32
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
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.
of which total revenue +8.4 % · buybacks/dilution −0.2 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
EFX screens 89% overvalued. Compare with Verisk Analytics, Inc →
Peer Group
Consulting Services · 80 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
Strength profile in five axes (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: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Consulting Services stocks, each showing price versus our Fair Value estimate (as of Aug 22, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Verisk Analytics, Inc VRSK | $191.77 | $145.58 | −24% |
| SGS SA SGSN | CHF 94.20 | CHF 68.96 | −27% |
| Bureau Veritas SA BVI | €27.74 | €27.81 | +0% |
| ALS Limited ALQ | A$21.94 | A$10.93 | −50% |
| Booz Allen Hamilton Holding BAH | $75.38 | $146.45 | +94% |
| DKSH Holding DKSH | CHF 66.30 | CHF 64.81 | −2% |
| FTI Consulting, Inc FCN | $151.36 | $168.44 | +11% |
| Centre Testing International Group 300012 | ¥14.98 | ¥11.90 | −21% |
| GRG Metrology & Test Group 002967 | ¥17.23 | ¥11.69 | −32% |
| Ipsos SA IPS | €38.98 | €83.21 | +113% |
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