-1.28%
9.42%
3.93%
-2.59%
9.77%
13.44%
80.46%
AI Spotlight on EFX
Company Description
Equifax Inc.provides information solutions and human resources business process automation outsourcing services for businesses, governments, and consumers.The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International.
The Workforce Solutions segment offers employment, income, criminal history, and social security number verification services, as well as payroll-based transaction, employment tax management, and identity theft protection products.The USIS 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; mortgage services; financial marketing services; identity management services; credit monitoring products; and online information, decisioning technology solutions, as well as portfolio management, mortgage reporting, and consumer credit information services.The International segment offers information service products, which include consumer and commercial services, such as credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as offers information, technology, and other services to support debt collections and recovery management.
The company serves customers in financial services, mortgage, employers, consumer, commercial, telecommunication, retail, automotive, utility, brokerage, healthcare, and insurance industries, as well as state, federal, and local governments.It operates in the United States, Canada, Australia, New Zealand, India, the United Kingdom, Spain, Portugal, Argentina, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru, Uruguay, Brazil, the Republic of Ireland, Russia, Cambodia, Malaysia, Singapore, and the United Arab Emirates.The company was founded in 1899 and is headquartered in Atlanta, Georgia.
Market Data
| Last Price | 274.78 |
| Change Percentage | -1.28% |
| Open | 277.24 |
| Previous Close | 278.34 |
| Market Cap ( Millions) | 34060 |
| Volume | 760102 |
| Year High | 309.63 |
| Year Low | 213.02 |
| M A 50 | 260.33 |
| M A 200 | 263.38 |
Financial Ratios
| FCF Yield | 2.30% |
| Dividend Yield | 0.57% |
| ROE | 12.03% |
| Debt / Equity | 111.46% |
| Net Debt / EBIDTA | 301.28% |
| Price To Book | 6.94 |
| Price Earnings Ratio | 60.52 |
| Price To FCF | 43.47 |
| Price To sales | 6.09 |
| EV / EBITDA | 23.52 |
News
- Jan -28 - Akero: Reversal Of Cirrhosis With EFX Is A 'First' In F4 MASH Patients
- Jan -22 - Equifax Announces Earnings Release Date and Conference Call for Fourth Quarter 2024 Results
- Jan -17 - Equifax to Settle CFPB Allegations That It Didn't Ensure Accuracy of Credit Reports
- Jan -17 - US consumer bureau fines Equifax $15 million for issues fixing consumer disputes
- Jan -13 - CRAI vs. EFX: Which Stock Is the Better Value Option?
- Jan -07 - The 'New Equifax' Will Be More Profitable On New Cloud
- Dec -26 - CRAI or EFX: Which Is the Better Value Stock Right Now?
- Dec -17 - 3 of the Best Companies to Own in 2025 and Beyond
- Dec -14 - KBW Announces Index Rebalancing for Fourth-Quarter 2024
- Dec -10 - EVTC or EFX: Which Is the Better Value Stock Right Now?
- Dec -06 - Equifax Benefits From Strategic Buyouts Amid Declining Liquidity
- Dec -06 - Equifax and Mastercard Partner on Fraud Management in Latin America
- Dec -05 - Equifax and Mastercard Join Forces to Combat Payment Fraud in Latin America
- Nov -26 - Interest Rate Cuts Begin to Ease Consumer Credit Burden - But Not for Everyone
- Nov -22 - Is the Options Market Predicting a Spike in Equifax (EFX) Stock?
- Nov -15 - Here's Why You Should Retain Equifax Stock in Your Portfolio Now
- Nov -11 - Equifax Announces Participation in November Investor Conferences
- Nov -08 - FIS or EFX: Which Is the Better Value Stock Right Now?
- Nov -07 - Equifax CEO Mark W. Begor to Continue Company Leadership Beyond 2025
- Nov -07 - Equifax Board of Directors Declares Quarterly Dividend
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Workforce Solutions
Expected Growth : 10 %
What the company do ?
Workforce Solutions from Equifax Inc. provides HR and payroll services, including employment verification, unemployment claims management, and tax compliance solutions.
Why we expect these perspectives ?
Equifax's Workforce Solutions segment growth is driven by increasing demand for employment verification, I-9 management, and unemployment claims management services. The rise of the gig economy, stricter labor laws, and the need for compliance are key factors contributing to this growth. Additionally, the segment benefits from cross-selling opportunities with Equifax's other business units, further fueling its expansion.
Segment n°2 -> United States Information Solutions
Expected Growth : 12 %
What the company do ?
United States Information Solutions from Equifax Inc. provides data and analytics to help businesses make informed decisions, mitigate risk, and optimize operations.
Why we expect these perspectives ?
The 12% growth of United States Information Solutions from Equifax Inc. is driven by increasing demand for credit reporting and verification services, expansion of online lending platforms, and growing need for identity theft protection and fraud prevention solutions, further fueled by regulatory requirements and advancements in digital technologies.
Segment n°3 -> International
Expected Growth : 9 %
What the company do ?
International from Equifax Inc. provides global credit information and insights to help businesses make informed decisions about customers and partners.
Why we expect these perspectives ?
Equifax Inc.'s 9% international growth driven by increasing demand for credit reporting and verification services, expansion into emerging markets, strategic acquisitions, and growing need for identity theft protection and fraud prevention solutions.
Equifax Inc. Products
| Product Range | What is it ? |
|---|---|
| Equifax Credit Reports | Comprehensive credit reports providing detailed information on an individual's credit history, including payment history, credit inquiries, and public records. |
| Identity Verification | Advanced identity verification solutions to help prevent fraud and ensure compliance with regulatory requirements. |
| Credit Scoring | Predictive credit scoring models that provide a numerical representation of an individual's creditworthiness. |
| Fraud Detection | Advanced fraud detection solutions that identify and prevent fraudulent activity in real-time. |
| Employment Verification | Comprehensive employment verification solutions that provide accurate and up-to-date employment information. |
| Income Verification | Accurate and reliable income verification solutions that provide detailed information on an individual's income. |
| Tenant Screening | Comprehensive tenant screening solutions that provide detailed information on an individual's rental history and creditworthiness. |
| Business Credit Reports | Comprehensive business credit reports providing detailed information on a company's credit history and financial stability. |
| Marketing Analytics | Advanced marketing analytics solutions that provide detailed insights into customer behavior and preferences. |
Equifax Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Equifax Inc. is medium due to the presence of alternative credit reporting agencies, but the company's strong brand recognition and established relationships with customers mitigate this threat.
Bargaining Power Of Customers
The bargaining power of customers is low due to the lack of negotiating power of individual consumers and the complexity of credit reporting services, making it difficult for customers to switch to alternative providers.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the limited number of suppliers of credit data and the company's strong bargaining power in negotiating contracts with these suppliers.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry, including the need for significant capital investment, regulatory approvals, and establishment of a large database of credit information.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of established competitors, such as Experian and TransUnion, and the ongoing competition for market share in the credit reporting industry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 55.74% |
| Debt Cost | 5.50% |
| Equity Weight | 44.26% |
| Equity Cost | 11.66% |
| WACC | 8.23% |
| Leverage | 125.96% |
Equifax Inc. : Quality Control
Equifax Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
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| IR | Ingersoll Rand Inc. provides various mission-critical air, fluid, energy, specialty vehicle and medical technologies in the United States, Europe, the Middle East, Africa, and the Asia Pacific. It operates through … |
| AME | AMETEK, Inc. manufactures and sells electronic instruments and electromechanical devices worldwide. It operates in two segments, Electronic Instruments (EIG) and Electromechanical (EMG). The company's EIG segment offers advanced instruments for … |
| LHX | L3Harris Technologies, Inc., an aerospace and defense technology company, provides mission-critical solutions for government and commercial customers worldwide. The company's Integrated Mission Systems segment provides multi-mission intelligence, surveillance, and reconnaissance … |
| UPS | United Parcel Service, Inc. provides letter and package delivery, transportation, logistics, and related services. It operates through two segments, U.S. Domestic Package and International Package. The U.S. Domestic Package segment … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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AMETEK
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