EFX
IndustrialsEquifax Inc. · Consulting Services · $20B
What is Equifax Inc.?
Equifax Inc. is a global data and analytics company helping businesses, governments, and consumers make informed decisions through credit, identity, and workforce information services.
Equifax generates revenue across three segments: Workforce Solutions, U.S. Information Solutions, and International. It sells credit data, identity verification, fraud detection, employment and income verification, and HR outsourcing services to clients in financial services, mortgage, automotive, retail, and telecommunications industries.
Founded in 1980 and headquartered in Atlanta, Georgia.
- Credit reporting and scoring
- Employment and income verification
- Fraud detection and identity management
- HR and payroll business process outsourcing
Is EFX a Good Stock to Buy?
UQS Score rates EFX as Good overall.
Equifax shows Good marks across Quality, Growth, and Valuation pillars, reflecting a business with durable revenue streams and reasonable pricing relative to its fundamentals. Its data network and multi-segment model support consistent demand.
The Risk pillar registers as Weak, pointing to meaningful exposure — likely tied to data security obligations, regulatory scrutiny, and cyclical mortgage market sensitivity.
See the exact pillar breakdown and full financial metrics by signing up for a Pro account at UQS Score. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does EFX pay dividends?
Yes — Equifax Inc. pays a dividend.
Equifax pays a regular dividend, reflecting the company's ability to return capital to shareholders alongside ongoing reinvestment in its data and technology platforms. The dividend cadence is consistent with large-cap peers in the data and analytics space.
When does EFX report earnings?
Equifax reports earnings on a quarterly cadence, typical for US-listed large-cap equities.
Equifax's three-segment structure means quarterly results are often shaped by mortgage market activity, employer demand for verification services, and international growth trends. Investors watch Workforce Solutions closely as a key revenue driver.
For the most recent quarter's results, see Equifax's investor relations page at ir.equifax.com.
EFX Price History
-15.2% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Equifax Inc.?
Based on Equifax Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Equifax do?
Equifax provides credit data, identity verification, fraud detection, and employment verification services to businesses, governments, and consumers. It operates through three segments: Workforce Solutions, U.S. Information Solutions, and International, serving industries from financial services to automotive.
Does EFX pay dividends?
Yes, Equifax pays a regular dividend. It has maintained a consistent dividend program, making it relevant for income-oriented investors alongside those seeking data-sector growth exposure.
When does EFX report earnings?
Equifax reports on a standard quarterly schedule. For confirmed dates and the most recent results, visit Equifax's official investor relations page rather than relying on third-party estimates.
Is EFX a good stock to buy?
EFX earns a Good UQS Score, with strength in Quality, Growth, and Valuation pillars. However, the Risk pillar is rated Weak, which investors should weigh carefully. The full pillar breakdown is available to Pro members at UQS Score.
Is EFX overvalued?
The UQS Valuation pillar for EFX is rated Good, suggesting the stock is not significantly stretched relative to its fundamentals. That said, valuation is one of five pillars — view the complete picture with a Pro account.
What is EFX's market cap bracket?
Equifax is classified as a large-cap company, reflecting its scale as one of the three major consumer credit bureaus in the United States with significant international operations.
Who founded Equifax?
Equifax traces its origins to a retail credit reporting business. The company's founding history is widely documented and publicly available through its official corporate history and investor relations materials.
Is EFX a long-term quality stock?
As a long-term quality indicator, EFX's Good UQS Score reflects durable data assets and multi-segment revenue. The Weak Risk rating is a factor to monitor over time. Pro members can access the full pillar trend analysis.
Unlock Full EFX Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the complete five-pillar UQS Score breakdown for EFX
- ✓Access detailed financial metrics across quality, growth, and risk dimensions
- ✓Compare EFX against sector peers on a standardized scoring framework
- ✓Track pillar changes over time with Pro-member history tools
Pro Analysis
EFX — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 19, 2026 | 61.6 | 68.1 | 58.0 | 68.7 | 30.9 | 78.2 | -0.4 |
| May 15, 2026 | 62.0 | 68.6 | 58.0 | 68.7 | 30.9 | 79.8 | +0.8 |
| May 7, 2026 | 61.2 | 67.4 | 58.0 | 68.7 | 30.9 | 76.5 | 0.0 |
| May 3, 2026 | 61.2 | 67.5 | 58.0 | 68.7 | 30.9 | 76.3 | 0.0 |
| May 1, 2026 | 61.2 | 67.5 | 58.0 | 68.7 | 30.9 | 76.5 | 0.0 |
| Apr 26, 2026 | 61.2 | 67.5 | 58.0 | 68.7 | 30.9 | 76.3 | +0.5 |
| Apr 25, 2026 | 60.7 | 67.5 | 58.0 | 68.7 | 30.9 | 72.9 | +0.2 |
| Apr 24, 2026 | 60.5 | 67.1 | 58.0 | 68.7 | 30.9 | 72.4 | 0.0 |
| Apr 23, 2026 | 60.5 | 67.1 | 58.0 | 68.7 | 30.9 | 72.6 | +0.8 |
| Apr 22, 2026 | 59.7 | 64.4 | 58.0 | 68.7 | 31.5 | 71.0 | -0.1 |
EFX — Pillar Breakdown
Quality
— 68.1/100 (25%)Equifax Inc. shows solid profitability with healthy returns on capital and reasonable margins.
How effectively capital is deployed to generate returns.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Asset productivity — how much gross profit each dollar of assets generates.
Free cash flow relative to market value.
Growth
— 68.7/100 (20%)Equifax Inc. demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 30.9/100 (15%)Equifax Inc. presents elevated risk with concerns around leverage or financial stability.
Debt levels relative to earnings capacity.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 78.2/100 (15%)Equifax Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 58/100 (25%)Equifax Inc. has meaningful competitive advantages that should protect its market position. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for EFX.
Score Composition
Financial Data
More Stock Analysis
How is the EFX UQS Score Calculated?
The UQS (Unified Quality Score) for Equifax Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Equifax Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Equifax Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.