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Upturn AI SWOT - About
EFX 
Equifax Inc (EFX)
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Upturn Advisory Summary
06/27/2025: EFX (2-star) is a SELL. SELL since 1 days. Profits (-5.36%). Updated daily EoD!
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
23 Analysts rated it
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $287.62
1 Year Target Price $287.62
| 11 | Strong Buy |
| 5 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.44% | Avg. Invested days 49 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 32.21B USD | Price to earnings Ratio 53.04 | 1Y Target Price 287.62 |
Price to earnings Ratio 53.04 | 1Y Target Price 287.62 | ||
Volume (30-day avg) 23 | Beta 1.63 | 52 Weeks Range 199.60 - 308.07 | Updated Date 07/1/2025 |
52 Weeks Range 199.60 - 308.07 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 0.78% | Basic EPS (TTM) 4.89 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.68% | Operating Margin (TTM) 16.35% |
Management Effectiveness
Return on Assets (TTM) 5.64% | Return on Equity (TTM) 12.52% |
Valuation
Trailing PE 53.04 | Forward PE 34.48 | Enterprise Value 36982405264 | Price to Sales(TTM) 5.62 |
Enterprise Value 36982405264 | Price to Sales(TTM) 5.62 | ||
Enterprise Value to Revenue 6.45 | Enterprise Value to EBITDA 21.23 | Shares Outstanding 124199000 | Shares Floating 123573078 |
Shares Outstanding 124199000 | Shares Floating 123573078 | ||
Percent Insiders 0.53 | Percent Institutions 100.64 |
Analyst Ratings
Rating 5 | Target Price 287.62 | Buy 5 | Strong Buy 11 |
Buy 5 | Strong Buy 11 | ||
Hold 7 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Equifax Inc
Company Overview
History and Background
Equifax Inc. was founded in 1899 as Retail Credit Company. It evolved into a global information solutions company, becoming Equifax in 1975. A major milestone was its IPO, allowing expansion into various credit and data solutions.
Core Business Areas
- USIS (United States Information Solutions): Provides credit information, analytics, and decisioning solutions to businesses and consumers in the United States.
- International: Offers similar services to USIS, but focuses on international markets across North America (excluding US), Latin America, Europe and Asia Pacific.
- Workforce Solutions: Delivers verification, onboarding, and HR solutions to employers, including income and employment verification.
Leadership and Structure
Equifax is led by CEO Mark W. Begor. The company has a board of directors overseeing strategic direction. Its organizational structure includes various functional departments and business units.
Top Products and Market Share
Key Offerings
- Credit Reports and Scores: Provides consumer and commercial credit reports and scores. Equifax competes with Experian and TransUnion. Market share data suggests Equifax holds approximately 25% of the US credit bureau market, based on revenue (estimated).
- Verification Services: Offers income and employment verification solutions through its Workforce Solutions segment. Competitors include The Work Number (owned by Equifax), Argyle, and Pinwheel. Equifax is a leader in this sector.
- Identity Protection Services: Offers identity theft protection and fraud prevention services. Competitors include LifeLock (Norton), Experian IdentityWorks, and TransUnion IDVision. Market share data is fragmented, with Equifax holding a competitive position but not necessarily a dominant one.
Market Dynamics
Industry Overview
The credit information and risk management industry is driven by economic cycles, regulatory changes, and technological advancements. Increasing demand for data analytics and fraud prevention solutions fuels growth.
Positioning
Equifax is a leading player in the credit reporting and information solutions industry. Its competitive advantage lies in its vast data assets, sophisticated analytics, and established relationships with lenders and businesses.
Total Addressable Market (TAM)
The estimated TAM for Equifax's key markets (credit reporting, verification services, identity protection) is roughly $20 billion globally. Equifax is positioned to capture a significant portion of this market through product innovation and strategic expansion.
Upturn SWOT Analysis
Strengths
- Large data assets
- Established brand recognition
- Strong relationships with lenders and businesses
- Diversified product portfolio
- Technological capabilities
Weaknesses
- Past data breaches and security vulnerabilities
- Negative brand perception due to past incidents
- Regulatory scrutiny
- Complexity of IT infrastructure
- Exposure to economic cycles
Opportunities
- Expansion into new markets
- Development of innovative data analytics solutions
- Growing demand for fraud prevention services
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Data security breaches
- Increased competition
- Regulatory changes
- Economic downturns
- Reputational damage
Competitors and Market Share
Key Competitors
- Experian (EXPGY)
- TransUnion (TRU)
- The Intercontinental Exchange (ICE)
Competitive Landscape
Equifax has a strong presence, but faces stiff competition from Experian and TransUnion. Equifax needs to invest in technology and security to maintain its edge.
Major Acquisitions
Appriss Insights
- Year: 2021
- Acquisition Price (USD millions): 1825
- Strategic Rationale: Expanded workforce solutions capabilities and strengthened data assets.
Growth Trajectory and Initiatives
Historical Growth: Equifax's historical growth has been driven by acquisitions, product innovation, and expansion into new markets. Past performance data required to provide specifics.
Future Projections: Future growth projections are based on analyst estimates and company guidance. Data is real-time and not available.
Recent Initiatives: Recent initiatives include investments in cloud technology, data security enhancements, and product development in areas such as AI-powered analytics.
Summary
Equifax is a major player in the credit and information services industry, bolstered by vast data assets and strong brand recognition. While the company faces ongoing security concerns and stiff competition, its growth trajectory is promising due to strategic acquisitions and expansion into new markets. Continued investments in technology and maintaining data security are critical for future success. Investors should be aware of market and economic factors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Market Research Reports
- Analyst Estimates
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Equifax Inc
Exchange NYSE | Headquaters Atlanta, GA, United States | ||
IPO Launch date 1971-05-11 | CEO & Director Mr. Mark W. Begor | ||
Sector Industrials | Industry Consulting Services | Full time employees 15000 | Website https://www.equifax.com |
Full time employees 15000 | Website https://www.equifax.com | ||
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 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, 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 services to support debt collections and recovery management. It 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.
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