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Upturn AI SWOT - About
EFX 
Equifax Inc (EFX)
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Upturn Advisory Summary
09/17/2025: EFX (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $281
1 Year Target Price $281
| 11 | Strong Buy |
| 5 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.43% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 32.10B USD | Price to earnings Ratio 50.99 | 1Y Target Price 281 |
Price to earnings Ratio 50.99 | 1Y Target Price 281 | ||
Volume (30-day avg) 23 | Beta 1.68 | 52 Weeks Range 199.17 - 304.88 | Updated Date 09/17/2025 |
52 Weeks Range 199.17 - 304.88 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 0.65% | Basic EPS (TTM) 5.11 |
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 10.95% | Operating Margin (TTM) 20.22% |
Management Effectiveness
Return on Assets (TTM) 5.8% | Return on Equity (TTM) 12.76% |
Valuation
Trailing PE 50.99 | Forward PE 28.65 | Enterprise Value 36811773280 | Price to Sales(TTM) 5.5 |
Enterprise Value 36811773280 | Price to Sales(TTM) 5.5 | ||
Enterprise Value to Revenue 6.3 | Enterprise Value to EBITDA 20.6 | Shares Outstanding 123197000 | Shares Floating 123192011 |
Shares Outstanding 123197000 | Shares Floating 123192011 | ||
Percent Insiders 0.51 | Percent Institutions 98 |
Upturn AI SWOT
Equifax Inc
Company Overview
History and Background
Equifax Inc. was founded in 1899 as Retail Credit Company, providing credit information to retailers. It evolved into a major credit bureau, playing a key role in consumer lending. In 1975, it was renamed Equifax. The company experienced significant growth through acquisitions and diversification of its services.
Core Business Areas
- USIS (United States Information Solutions): Provides consumer credit information and analytics to lenders and other businesses in the U.S.
- International: Offers credit and marketing solutions in international markets, primarily in Canada, Latin America, and Europe.
- Workforce Solutions: Delivers verification services, HR solutions, and tax management services.
Leadership and Structure
The current CEO is Mark W. Begor. The company has a hierarchical organizational structure with various departments and business units reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Credit Reports: Provides credit reports to consumers and businesses. Experian and TransUnion are key competitors. Market share varies significantly depending on the segment. Equifax is estimated to hold roughly 30% market share in Credit Reporting in the US.
- Identity Verification: Offers solutions for verifying identities and preventing fraud. Competitors include TransUnion, Experian, Socure and LexisNexis Risk Solutions. The market share of identity verification solutions is relatively fragmented. No specific revenue attributed to this product is publicly available.
- The Work Number: A service providing instant income and employment verification. Competitors include Experian Verify, and TransUnion. No revenue is publicly available but this represents an important and fast growing segment of revenue.
Market Dynamics
Industry Overview
The industry is characterized by increasing regulation, technological advancements, and concerns about data security and privacy. The demand for credit and risk management services continues to grow globally.
Positioning
Equifax is one of the three major credit reporting agencies in the U.S., holding a significant market share. Its competitive advantage lies in its extensive data assets, established relationships, and diversified product offerings.
Total Addressable Market (TAM)
The global credit information and risk management market is estimated at $40+ billion. Equifax is well-positioned within this TAM, with opportunities for growth in emerging markets and through new product development.
Upturn SWOT Analysis
Strengths
- Large database of consumer credit information
- Established brand reputation
- Diversified product offerings
- Global presence
Weaknesses
- Past data breach vulnerabilities
- Regulatory scrutiny
- Customer service issues
- Dependency on credit market conditions
Opportunities
- Expansion into emerging markets
- Development of new fraud prevention solutions
- Partnerships with fintech companies
- Increased demand for data analytics
Threats
- Increased competition from new entrants
- Data security breaches and cyberattacks
- Changes in regulations
- Economic downturns
Competitors and Market Share
Key Competitors
- EFX
- TRU
- ACN
Competitive Landscape
Equifax faces competition from other major credit bureaus, as well as from newer entrants offering specialized data and analytics solutions. They must constantly invest to fend off competitors.
Major Acquisitions
Kount
- Year: 2021
- Acquisition Price (USD millions): 640
- Strategic Rationale: Enhanced fraud prevention and digital identity capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by acquisitions and increased demand for credit and risk management services.
Future Projections: Please refer to analyst reports for future growth projections.
Recent Initiatives: Recent strategic initiatives have focused on cybersecurity, product innovation, and international expansion.
Summary
Equifax is a major player in the credit reporting industry with a large database and established brand. Its past data breaches remain a concern, requiring continuous investment in cybersecurity. The company is focusing on growth through product innovation and international expansion. Threats include increasing competition and regulatory scrutiny. Overall it is a middling to good company that provides an essential service.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Equifax Investor Relations
- Industry Reports
- Market Research Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and market share estimates can fluctuate.
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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