Equifax (EFX) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Equifax

NYSE•Industrials•Consulting Services

$184.60+5.21(0.03%)Market closed

Market Cap

$22.57B

P/E

30.4x

P/S

3.4x

P/B

5.0x

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.

How this company scores

GoodMetricSide Score: 77/100

Strongest: Profitability (24/25); weakest: Balance Sheet & Red Flags (9/25).

Profitability24/25

Growth21/25

Balance Sheet & Red Flags9/25

Cash & Earnings Quality23/25

Strengths

Strong marginsHigh ROECash-backed earningsConsistent free cash flow

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 30.4x5y range 27.2x – 64.7x

Currently below its 20-quarter median.

P/S · 3.4x5y range 2.9x – 7.2x

Currently below its 20-quarter median.

P/B · 5.0x5y range 4.3x – 9.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Leverage Risk

Watch

Debt-to-equity has risen 37.5% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $22.57B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $6.59B
Q. Revenue: $1.69B
TTM EBITDA: $2.00B
TTM Op. Income: $1.24B
Q. Op. Income: $355.30M
TTM Net Income: $742.80M
Q. Net Income: $211.70M
EPS: $1.8
Shares Out.: $117.30M

$6.59B in TTM revenue grew 10.9% YoY, reaching $1.69B last quarter. TTM EBITDA of $2.00B and TTM operating income of $1.24B show growth is flowing through to the bottom line. TTM net income of $742.80M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 32.5%
Op. Margin: 21.0%
Net Margin: 12.5%

Op. margin of 21.0% is up 3.9% YoY — cost efficiency is improving. Net margin at 12.5% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 30.4x
P/S Ratio: 3.4x
P/B Ratio: 5.0x

At 30.4x P/E, the stock trades above typical market levels — the market expects above-average growth. P/S of 3.4x and P/B of 5.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 36% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $11.94B
Cash: $192.90M
Long-Term Debt: $5.05B
Book Value: $4.47B
D/E Ratio: 1.1
Debt/EBITDA: 9.2

With $11.94B in assets and $5.05B in long-term debt, D/E is 1.1and book value is $4.47B — moderate leverage. Across the last 8 quarters, debt/equity has risen for 5 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $560.40M
TTM Free Cash Flow: $1.10B
FCF Margin: 16.7%
FCF / Net Income: 1.5

TTM FCF of $1.10B on $560.40M in operating cash flow. The FCF / Net Income ratio of 1.5x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.