Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
EFX 
Equifax Inc (EFX)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: EFX (2-star) is currently NOT-A-BUY. Pass it for now.
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 $280.5
1 Year Target Price $280.5
| 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 PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 30.04B USD | Price to earnings Ratio 47.63 | 1Y Target Price 280.5 |
Price to earnings Ratio 47.63 | 1Y Target Price 280.5 | ||
Volume (30-day avg) 23 | Beta 1.64 | 52 Weeks Range 199.60 - 308.07 | Updated Date 08/28/2025 |
52 Weeks Range 199.60 - 308.07 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 0.68% | Basic EPS (TTM) 5.12 |
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 47.63 | Forward PE 32.89 | Enterprise Value 34750681113 | Price to Sales(TTM) 5.14 |
Enterprise Value 34750681113 | Price to Sales(TTM) 5.14 | ||
Enterprise Value to Revenue 5.95 | Enterprise Value to EBITDA 19.45 | Shares Outstanding 123197000 | Shares Floating 123192011 |
Shares Outstanding 123197000 | Shares Floating 123192011 | ||
Percent Insiders 0.51 | Percent Institutions 98.02 |
Upturn AI SWOT
Equifax Inc
Company Overview
History and Background
Equifax Inc. was founded in 1899 as Retail Credit Company. It initially compiled lists of retail customers and evolved into a provider of credit reporting and related services. It went public in 1968. Over time, Equifax expanded its services to include data analytics, identity verification, and business insights.
Core Business Areas
- US Information Solutions (USIS): Provides consumer and commercial credit information, analytics, and services to businesses.
- Workforce Solutions: Offers human resources and payroll-related services, including income and employment verification.
- International: Includes credit reporting and related services in international markets, primarily Canada, Latin America, and Europe.
Leadership and Structure
Mark W. Begor is the CEO of Equifax Inc. The company has a board of directors overseeing strategic direction and various executive leadership teams managing different business units and corporate functions.
Top Products and Market Share
Key Offerings
- Credit Reports & Scores: Provides credit reports and scores to consumers and businesses. Market share is approximately 25%. Competitors include Experian and TransUnion. Revenue from this product isn't explicitly broken out in financial reports but is a core offering within USIS.
- The Work Number: A database of employment and income information used for verification purposes. Competitors include Argyle and Pinpoint. Used by over 5800 employers. Revenue is a significant portion of the Workforce Solutions segment.
- Identity Verification: Offers identity verification services to help businesses prevent fraud and comply with regulations. Market share is growing but smaller than core credit reporting. Competitors include Experian, TransUnion, and LexisNexis.
Market Dynamics
Industry Overview
The credit reporting and data analytics industry is highly regulated and competitive. It's driven by the need for risk assessment, fraud prevention, and compliance with regulations like the Fair Credit Reporting Act (FCRA).
Positioning
Equifax is one of the three major credit reporting agencies in the US. Its competitive advantages include its large database of consumer and commercial credit information and its established relationships with lenders and businesses.
Total Addressable Market (TAM)
The estimated total addressable market for the credit reporting and risk management industry is in the billions of dollars annually. Equifax is positioned to capture a significant portion of this TAM through its diverse product offerings and market presence.
Upturn SWOT Analysis
Strengths
- Established brand reputation
- Large database of consumer and commercial credit information
- Diversified product offerings
- Strong relationships with lenders and businesses
- Global presence
Weaknesses
- Past data breach and security vulnerabilities
- Reputational damage from the data breach
- Complex regulatory environment
- Dependence on the credit cycle
Opportunities
- Expanding into new markets and geographies
- Developing new data analytics and identity verification solutions
- Leveraging artificial intelligence and machine learning
- Growing demand for fraud prevention services
- Increased focus on data privacy and security
Threats
- Cybersecurity threats and data breaches
- Increased regulatory scrutiny
- Economic downturn and reduced lending activity
- Competition from other credit reporting agencies and fintech companies
- Changes in consumer behavior and credit usage
Competitors and Market Share
Key Competitors
- EFX
- TRU
- EXPGY
Competitive Landscape
Equifax competes with Experian and TransUnion in the credit reporting market. It also faces competition from fintech companies and other data analytics providers. Equifax's advantages include its large database and established relationships, while its disadvantages include its past data breach and complex regulatory environment.
Major Acquisitions
Data-Cru00e9dito
- Year: 2021
- Acquisition Price (USD millions): 210
- Strategic Rationale: Expanded its presence in Latin America and enhanced its credit reporting capabilities in the region.
Kount
- Year: 2021
- Acquisition Price (USD millions): 640
- Strategic Rationale: Expanded fraud prevention services and capabilities.
Growth Trajectory and Initiatives
Historical Growth: Equifax has experienced moderate revenue growth over the past few years, driven by its Workforce Solutions and USIS segments.
Future Projections: Analysts project moderate revenue growth in the coming years, driven by new product launches and expansion into new markets. EPS is projected to grow at a faster rate due to cost efficiencies.
Recent Initiatives: Recent initiatives include investments in technology and security, acquisitions of companies in related fields, and expansion into new geographies.
Summary
Equifax is a major player in the credit reporting industry with a strong brand and large database. The company faces challenges from cybersecurity threats and regulatory scrutiny. Workforce solutions is growing well, and Equifax needs to continue investing in data security and innovation to maintain its competitive position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Equifax Investor Relations
- SEC Filings (10-K, 10-Q)
- MarketWatch
- Yahoo Finance
- Company Press Releases
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and analyst estimates 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.