Equifax Inc. (EFX)

FairStock Score: 50/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Equifax is a data, analytics and technology company whose Workforce Solutions, U.S. Information Solutions and International segments sit inside customers' verification and compliance workflows. That creates switching costs and recurring data demand, though it is not a classic consumer franchise. The filed record shows steady progress: fiscal year 2023 revenue was $5.3B and net income $545.3M; fiscal year 2024 revenue $5.7B and net income $604.1M; fiscal year 2025 revenue $6.1B and net income $660.3M. In fiscal Q3 2026, the quarter ended 2026-09-30, revenue was $1.7B, net income $211.7M and diluted EPS $1.79, versus revenue $1.5B, net income $160.2M and diluted EPS $1.29 in the quarter ended 2025-09-30. The moat comes from data assets, integration and compliance routines; the risk is that growth is more cyclical and regulated than it first appears. At the 2026-10-26 close of $178.56, FairStock calculations show P/E 31.38, P/B 4.79, FCF yield 5.3%, Graham Number $69.78 and margin of safety -161.34%. Piotroski 9/9 and Altman 2.79 suggest resilience, but ROCE 6.16 and D/E 1.21 are not fortress-like. FairStock's Lynch category is slow grower, with profit 4.9% a year over five years and revenue 8.0%; that does not justify a premium multiple without better profit conversion. I would want the data-asset advantage to show up in higher returns on capital and consistent free cash flow before paying a rich price.

In plain English: Equifax is a data and analytics company that helps employers and lenders verify income, employment, and other records. Sales have been rising and the business generates about $1.1B of cash a year, but profit has not grown as smoothly as sales. At $178.56, the shares look expensive compared with the company's earnings and a conservative estimate of value.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-09-30) · fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer