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EFX · NYSE

Equifax Inc.

Consulting Services · United States

USD 188.410.1% daily changeQuote 2026-11-11 · USD
Market cap (USD)
US$22.05B
Trailing P/E
30.49x
Forward P/E
19.76x
Quarterly revenue growth
9.6%
Trailing net margin
11.3%
Indicated dividend yield
1.2%

Snapshot 2026-11-11 · Latest financial period 2026-09-30 · Yahoo Finance. Quotes may be delayed; reporting periods can differ.

Company background

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 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 website

Q3 2026

Go beyond the headline.

EFX Stock: Earnings Jumped, But Cash Fell — Q3 2026

Published 2026-10-20

Q3 2026 REPORT HIGHLIGHTS

What’s changed for EFX

Equifax raises per-share earnings while mortgage guidance weakens; our cash, share-count and valuation analysis separates operating progress from a smaller denominator.

  1. Operating demand remains broad.

    Diversified Markets grew 8% reported; all three reporting segments grew revenue despite mortgage weakness.

  2. The headline EPS growth needs a bridge.

    GAAP EPS rose 38.8%; adjusted net income rose 5.7%, with a 4.8% smaller diluted share count supporting per-share growth.

  3. The outlook softened.

    Full-year revenue midpoint fell $84M to $6.661B; adjusted EPS midpoint fell only four cents to $8.50 as management targets cost offsets.

  4. Cash distributions exceed year-to-date free cash flow.

    Repurchases and dividends totaled $851.4M versus $763.2M of OCF less gross cash capital expenditures.

  5. Our model leaves little immediate cushion.

    The $175 base value is close to the $175.17 intraday quote; the $130–230 scenario band reflects mortgage, cash conversion and valuation risk.

Comparable businesses

EFX peer comparison

Same business group first, then company size. Preferred market cap: 0.5–2x; extended range: one-third–3x. Outside that range, industry benchmarks are labeled separately and excluded from peer medians.

Comparison stocks

Market metrics · missing or inapplicable values shown as —
MetricEFXEquifax Inc.Snapshot 2026-11-11Financial period: 2026-09-30VRSKVerisk Analytics, Inc.Snapshot 2026-11-11Financial period: 2026-09-30BAHBooz Allen Hamilton Holding CorporationSnapshot 2026-11-11Financial period: 2026-09-30Peer medianSimilar-size peers only
Market capMarket value, converted to USDUS$22.05BUS$26.42BUS$10.35BUS$18.39Bn=2
Forward P/EProvider forward earnings estimate19.76x23.66x12.87x18.27xn=2
EV / EBITDAEnterprise value / trailing EBITDA13.41x19.68x12.02x15.85xn=2
Revenue growthLatest quarter vs prior-year quarter9.6%5.3%-3.9%0.7%n=2
Operating marginLatest reported quarter19.2%45.0%9.6%27.3%n=2
Free cash flow yieldTrailing cash flow / market cap4.3%3.5%7.6%5.6%n=2
Net debt / EBITDANet debt / trailing EBITDA2.47x2.65x3.56x3.11xn=2
Debt / equityTotal debt / positive book equity1.13x—3.78x—
Trailing P/ETrailing twelve-month earnings30.49x31.21x13.49x22.35xn=2
Price / bookPrice / positive book equity per share4.93x—8.32x—
EV / salesEnterprise value / trailing revenue4.12x9.52x1.34x5.43xn=2
Earnings growthLatest quarter vs prior-year quarter38.8%5.4%5.6%5.5%n=2
Gross marginTrailing twelve months55.2%70.2%22.6%46.4%n=2
Net marginTrailing twelve months11.3%27.7%7.1%17.4%n=2
Return on equityProvider trailing return; positive equity only15.4%—70.0%—
Free cash flow marginTrailing free cash flow / revenue14.3%29.5%7.2%18.3%n=2
Dividend yieldIndicated annual dividend / price1.2%1.0%2.7%1.8%n=2
Earnings payoutProvider trailing dividend payout35.3%29.5%36.0%32.8%n=2
Current ratioCurrent assets / current liabilities1.09x1.07x1.44x1.25xn=2
BetaProvider historical market sensitivity1.270.670.280.48n=2

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Comparison methodology & limitations

Reviewed operating groups override broad sector classifications. Other companies are matched only within a sufficiently specific provider industry. Business mix, geography and accounting standards can still differ. Market caps are converted to USD using exchange rates captured during the snapshot refresh. Financial ratios that would mix currencies are omitted. Snapshots must be at most 14 days old and no more than seven days apart for automatic selection.

Peer medians require at least two valid similar-size peers for each metric. Negative earnings, nonpositive equity, missing data and irrelevant bank ratios are not presented as attractive valuations. A higher or lower number is not automatically a better investment. Financial statement periods are not calendar-aligned across companies.

Reported performance

Financial trends

Reporting period
Financial history
Chart style
Comparison stocks

Financial statements load separately from the research page.

Market context

Valuation & price history

Adjusted closing price

Price history

Price history loads separately.

Earnings-multiple scenario

Illustrative price = your earnings-per-share assumption × your P/E assumption. This is not a price target or a complete valuation model.

Starting assumptions, when available, use provider forward estimates as of 2026-11-11. Negative earnings require a different valuation method. This calculation omits balance-sheet, dilution and execution risks.

THE RESEARCH RECORD

Research history for EFX

All available reporting periods
Q3 20262026-10-20

EFX Stock: Earnings Jumped, But Cash Fell — Q3 2026

Presentation · 2026-10-20 · YouTube

Q1 20262026-04-21
Deep Dive2026-04-21

Reported figures

Verify material figures against company filings. Market data and AI-assisted analysis may contain errors.