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Upturn AI Summary - About
Equifax Inc(EFX)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for EFX
11/10/2026: EFX (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Equifax Inc is a prominent global data and analytics company that specializes in credit reporting and employment verification services. The company maintains a leading position due to its unique, proprietary access to payroll data through its Work Number platform. Its primary growth opportunity lies in leveraging cloud technology and AI to provide advanced risk and fraud-prevention insights. However, the company faces material risks, including ongoing regulatory scrutiny, mortgage market cyclicality, and the constant threat of cybersecurity challenges. Equifax is well-suited for long-term investors seeking exposure to the growing demand for data-driven financial decision-making, though they should monitor regulatory developments and technology execution closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | Equifax is expanding its data-driven analytics and workforce solutions, which are high-margin growth drivers. |
| Momentum investor | Mixed fit | Momentum depends on market cycles like mortgage volume and tech adoption, making it conditional on positive trend signals. |
| Value investor | Mixed fit | Valuation is often tied to market premiums for data moat quality, which can make the stock look expensive relative to broad averages. |
| Dividend investor | Strong fit | The company offers a stable, consistent dividend supported by recurring, non-cyclical revenue streams. |
| Low-risk investor | Mixed fit | While the business model is durable, the company is subject to regulatory and cybersecurity risks that can impact volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is sensitive to interest rate changes and mortgage market fluctuations. |
| Valuation risk | Medium | Equifax often commands a premium multiple, which can lead to corrections if growth expectations are not met. |
| Competition risk (Data Analytics/Credit) | Medium | While the big three dominate, competition from alternative data and AI-focused fintech remains a long-term risk. |
| Business quality | Strong | The company possesses high barriers to entry and a deep, unique data moat. |
| Dividend income | Low | Dividends are reliable but typically do not provide high-yield income. |
| Execution risk | Medium | Successfully integrating new data products and maintaining high cybersecurity standards is critical to long-term performance. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -0.15% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/10/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 22.13B USD | Price to earnings Ratio 30.47 | 1Y Target Price 201.1 |
Price to earnings Ratio 30.47 | 1Y Target Price 201.1 | ||
Volume (30-day avg) 2.0M shares | Beta 1.27 | 52 Weeks Range 137.01 - 226.62 | Updated Date 11/10/2026 |
52 Weeks Range 137.01 - 226.62 | Updated Date 11/10/2026 | ||
Dividends yield (FY) 1.15% | Basic EPS (TTM) 6.18 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Workforce Solutions | Employment and income verification services through The Work Number. | This is a high-growth, high-margin segment that provides unique data others do not have. |
| US Information Solutions | Credit reports and fraud prevention services. | This is a steady, core business that tracks financial behavior for US consumers. |
| International | Global credit reporting and analytics. | Provides geographic diversification and entry into developing credit markets. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-20 | When Before Market | Estimate 2.19 | Actual 2.26 |
Profitability
Profit Margin 11.27% | Operating Margin (TTM) 20.99% |
Management Effectiveness
Return on Assets (TTM) 6.67% | Return on Equity (TTM) 15.44% |
Valuation
Trailing PE 30.47 | Forward PE 19.27 | Enterprise Value 27.14B | Price to Sales(TTM) 3.36 |
Enterprise Value 27.14B | Price to Sales(TTM) 3.36 | ||
Enterprise Value to Revenue 4.14 | Enterprise Value to EBITDA 13.56 | Shares Outstanding 117.48M | Shares Floating 116.52M |
Shares Outstanding 117.48M | Shares Floating 116.52M | ||
Percent Insiders 0.64 | Percent Institutions 105.46 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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