Equifax Inc. (EFX) Stock

Equifax Inc. (EFX) is a Technology stock trading at $192.53 (as of 2026-08-20), with a market capitalization of $22.62B and a trailing P/E of 32.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Equifax Inc. provides information solutions and human resources business process automation outsourcing services for businesses, governments, and consumers. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment offers employment, income, criminal history, and social security number verification services, as well as payroll-based transaction, employment tax management, and identity theft protection products. The USIS 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; mortgage services; financial marketing services; identity management services; credit monitoring products; and online information, decisioning technology solutions, as well as portfolio management, mortgage reporting, and consumer credit information services. 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 other services to support debt collections and recovery management. The company serves customers in financial services, mortgage, employers, consumer, commercial, telecommunication, retail, automotive, utility, brokerage, healthcare, and insurance industries, as well as state, federal, and local governments. It operates in the United States, Canada, Australia, New Zealand, India, the United Kingdom, Spain, Portugal, Argentina, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru, Uruguay, Brazil, the Republic of Ireland, Russia, Cambodia, Malaysia, Singapore, and the United Arab Emirates. The company was founded in 1899 and is headquartered in Atlanta, Georgia.

Understand Equifax Inc.: how it makes money

Equifax provides information solutions and human resources business process automation outsourcing, earning money by selling employment, income, criminal history, and identity verification services, and credit-related information services to businesses, governments, and consumers.

Equifax’s profit model depends on selling data-driven verification and information services, where overall operating revenue reflects customer demand for its Workforce Solutions and USIS products.

Revenue by segment (latest quarter)
Workforce$0.7B
USIS$0.5B
Intl$0.4B

Business quality (Solid): Segment disclosure is clear (Workforce Solutions, USIS, International), and the supplied facts support segment revenue tracking. The provided data set does not include additional operating KPIs beyond operating revenue and segment revenue, which limits how precisely investors can monitor underlying drivers.

Valuation: Trades at 27× trailing earnings · $18B market cap.

Bull case

  • Multiple information offerings across employment and credit: Workforce Solutions includes employment, income, and criminal history verification plus payroll-based transaction and employment tax management, while USIS provides consumer and commercial information services.
  • Broad customer base: Equifax serves businesses, governments, and consumers, which can diversify end-market demand within its information solutions and automation services.
  • Meaningful business mix across segments: Revenue is split across Workforce Solutions, USIS, and International, which can spread performance across different product and geographic exposures.

Bear case

  • Dependence on ongoing customer spend for outsourced and verification services: Because the company offers human resources business process automation outsourcing services and verification products, reductions in employer or government spending, or slower adoption of outsourced solutions, could pressure operating revenue.
  • Regulatory and data sensitivity risk: Verification services and credit-related information services rely on handling sensitive personal and financial data, which can increase regulatory and compliance burden and operational risk.
  • Competition and product substitution: Information and verification services can face competitive pressure from alternative providers, and customers may redesign processes that reduce reliance on specific service offerings.
Valuation — source: SEC EDGAR (first-party)
Price$192.53
Market Cap$22.62B
P/E Ratio32.7
EV / EBITDA14.7
Price / Book5.14
Price / Sales3.51
FCF Yield4.9%
DCF Value (model)$31.13
DCF Upside vs Price-83.8%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$6.07B
Net Margin10.9%
Revenue Growth (YoY)10.6%
EPS Growth (YoY)0.6%
FCF Growth (YoY)-14.3%
Financial Health — source: SEC EDGAR
Altman Z-Score3.40 (safe)
Valuation vs Sector & Industry
Stock P/E32.7
Sector P/E (Technology)33.9
Industry P/E (Business Services)30.0
vs Sector-3.6%
vs Industry9.2%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($3.25B)
Institutional Holders Tracked10
Congressional Trades (recent)10
Company
SectorTechnology
IndustryBusiness Services
CEOMark W. Begor
Employees15,000
CountryUS
IPO Date1980-03-17

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EFX earnings history · EFX institutional & insider holders · EFX KPIs & operating metrics · EFX financials · EFX investor presentations & press releases · EFX SEC filings · EFX peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.