COMPARE · Data as of August 28, 2026
EFX vs GPN
Verdict: Side-by-side breakdown using the Bull Rankings model. EFX scored 66.4, GPN scored 53.3 — EFX leads.
Compare another set
EFX
Equifax Inc.
66.4
$194.35 · $22.8B
fundamentals as of
Score gap
13.1
EFX leads
GPN
Global Payments Inc.
53.3
$91.82 · $24.3B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestEFX33.5x
- Fastest growthGPN+32.5%
- Strongest balance sheetGPN0.98
- Highest qualityEFX71 / 100
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
EFX
stronger →← stronger
GPN
71
Qualityreturns · margins · balance sheet
35
81
Growthrevenue & earnings expansion
67
51
Valuevaluation vs sector peers
65
EFX is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
EFX
GPN
$1.1bC+
FCF
$823mC+
+10.3%B
Rev
+32.5%A
1.21C
D/E
0.98C+
33.5xC+
P/E
43.9xC
1.89C+
PEG
0.27A
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
EFX
GPN
24% above
Price vs fair valuelower is cheaper
21% above
~17%/yr
Growth the price implies10-yr FCF · lower = less priced in
~15%/yr
-34%
1-yr DCF upside
-31%
-20%
5-yr DCF upside
-17%
+5%
10-yr DCF upside
+8%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
EFX
Why this score
- Buying back stock
- Raising its dividend
GPN
Why this score
- Diluting shareholders
The companies
EFXEquifax Inc.
Why now
Consulting Services · market cap $22.8b. Down 29% from 52-week high of $271.84 — deep drawdown territory. Revenue growing +10%, comfortably above the S&P median. 21 sell-side analysts rate this a Buy with a mean 1-yr target of $211.52 (implying +9% upside).
Moat
ROE 16% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 160% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Trailing P/E 33x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates.
GPNGlobal Payments Inc.
Why now
Specialty Business Services · market cap $24.3b. 4% off the 52-week high of $95.88. Revenue growing +33% — in hypergrowth territory. PEG 0.27 — paying under fair value for the growth rate. 28 sell-side analysts rate this a Buy with a mean 1-yr target of $103.00 (implying +12% upside).
Moat
Moat signals from the quantitative card are modest — profitability and capital efficiency are middle-of-pack. The thesis here depends on softer factors (switching costs, brand, distribution, regulatory protection) not captured by the quality-growth screen.
Risk
Currently unprofitable (margin -9.1%) — path to GAAP profitability is the core thesis risk. Trailing P/E 44x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. ROE -4% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where EFX and GPN diverge
On the headline score the gap is 13.1 points in favor of EFX. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
- QualityEFX 70.6 · GPN 34.8EFX +35.8
- GrowthEFX 80.9 · GPN 67.2EFX +13.7
- ValueEFX 51.4 · GPN 64.8GPN +13.4
Pillars run 0–100 against sector peers, so a score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.