# Equifax Inc. (EFX) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Industrials / Professional Services. Price $177.05, market value $20.8 billion.

## Valuation
- **P/E (trailing): 31.2×** (5-yr avg 45.6×, 3-yr avg 49.2×). Equifax Inc. trades at 31.2× trailing earnings, well below its own five-year average of 45.6×: cheap by its own standards. The Industrials median in the September 2026 study was 25.7×. Forward P/E is 17.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.76**. A PEG of 1.76 is in the range usually read as fairly priced for its growth.
- **Price / sales: 3.2×**. Each dollar of revenue is priced at 3.2×.
- **Price / book: 4.8×**. The shares trade at 4.8× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 13.5×**. Enterprise value is 13.5× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 5.3%** (5-yr avg 2.3%). Free cash flow equals 5.3% of the market value, above its five-year average of 2.3%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 3.2%**. The inverse of the P/E: 3.2% of the price is earned each year.

## Profitability
- **Operating margin: 17.9%**. 17.9% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 10.9%**. 10.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 14.3%**. 14.3% on shareholders' equity is solid.
- **Return on invested capital: 9.6%**. Return on all capital, debt included, is 9.6%.
- **Return on assets: 5.8%**. Each dollar of assets produces 5.8% of profit.

## Growth
- **Revenue growth (1 yr): 6.9%** (3-yr 5.8%/yr, 5-yr 8.0%/yr). Revenue grew 6.9% over the last year, against 8.0% a year compounded over five years.
- **EPS growth (1 yr): 9.9%** (3-yr -2.0%/yr, 5-yr 4.6%/yr). Earnings per share rose 9.9%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 104.5%/yr**. Free cash flow has compounded at 104.5% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 1.11**. Debt is 1.11 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 2.6×**. It would take 2.6 years of operating earnings to repay net borrowings, within the comfortable range.
- **Altman Z-score: 3.11**. A Z-score of 3.11 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend yield: 1.27%** ($2.12 per share, trailing). Equifax Inc. yields 1.27%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 35%** (23% of free cash flow). 35% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): 3.9%/yr** (1-yr 21.2%). The dividend has grown 3.9% a year over five years.

## Analyst view
- **Analyst consensus: buy** (21 analysts). 21 analysts cover Equifax Inc.; the consensus is buy, with an average price target of $211.52 (+19% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -25.8%** (YTD -17.9%, 3-mo 2.9%). The shares are down 25.8% over twelve months including dividends.
- **From 52-week high: -34.9%** (17.4% above the low). Trading 35% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 43**. An RSI of 43 is neutral.
- **Beta (1 yr): 0.61** (volatility 39%). Beta of 0.61 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=EFX · Page: https://foliofundamentals.com/stocks/efx

Not investment advice.