Stock analysis · Bull Rankings model

EFX analysis

Equifax Inc.Consulting Services. Scored on the same transparent model behind the daily rankings.

EFX
Equifax Inc. · Consulting Services
FCF$1.1bC+
Rev+10.3%B
D/E1.21C
P/E33.9xC+
PEG1.92C+
66.7Score
$192.62$22.6B
1Y Target$210.52Analyst consensus · 21 analysts
5Y Target$308.23Compound horizon
10Y Target$457.24Long-dated conviction
FCF$1.1bTTM
C+
FCF $1.1b — respectable but not differentiating
Rev+10.3%TTM YoY
B
Revenue +10.3% — at or above S&P median
D/E1.21
C
D/E 1.21 — more levered than most Industrials peers (≈90th pctile)
P/E33.9x
C+
P/E 33.9 — above the Industrials median (≈75th pctile)
PEG1.92
C+
PEG 1.92 — modest premium; above fair value

Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.

Quality-growth score · 66.7
Quality70.6
Growth80.9
Value51.9
Why this score
  • Buying back stock
  • Raising its dividend
Entry · Margin of safety
52-week rangeMid-range
29% off the 12-month high
vs DCF fair value23% aboveest. fair value ~$157
What the price assumes: free cash flow compounding at ~17% a year for the next decade — vs the ~19% a year our model projects from current growth and analyst estimates.
Quality signals · context only
Gross profitability43% · A-gross profit ÷ total assets (Novy-Marx)
ROIC9.2% · Breturn on invested capital — not score-weighted

Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.

Why now
The bull case hinges on Equifax’s Workforce Solutions segment, where its income‑verification and payroll‑automation suite is expanding at a 10.3% YoY revenue growth while generating $1.1 B of free cash flow and delivering a solid 15.8% ROE. Our Bull Rankings model awards a Quality‑Growth score of 69.6, with Growth as the strongest pillar, underscoring the compounding power of recurring data‑services contracts. The thesis rests on the persistence of these high‑margin, subscription‑type revenues to drive cash‑flow growth well above the market’s 31× P/E.
Moat
Equifax’s moat lives in its entrenched U.S. Information Solutions and Workforce Solutions data ecosystems, which lock in large employers and lenders through mandatory income, employment and credential verification. Switching costs are high because clients must integrate Equifax’s APIs into payroll and HR systems, and the breadth of its consumer‑credit database creates a network effect that rivals cannot replicate quickly.
Risk
The bear case points to an elevated valuation: a 31× P/E paired with a reverse‑DCF implied 15% FCF growth—far above the actual 10.3% revenue growth—suggests optimism is baked in. A debt‑to‑equity of 1.21 and beta of 1.3 amplify downside if interest rates rise or macro‑employment slows, which would hit the Workforce Solutions pipeline. A breach in data security or regulatory clampdown would immediately erode the high‑margin contracts and confirm the over‑priced risk.
Horizon
1-3 yr $210.52 (21-analyst consensus) — fundamentals + valuation re-rating. 5 yr $308.23 at ~10% CAGR — compounding case rests on the competitive position widening. 10 yr $457.24 if current growth sustains into durable earnings power.
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.

EFX vs the Top Picks average

PillarEFXBook avgDiff
Quality0.710.84-0.13
Growth0.810.87-0.06
Value0.520.76-0.24

Averaged across the 30 names in today's Top Picks (mean score 81.5). A name can beat these averages and still be absent from the book — it also applies concentration limits.

Trend
-4.2 over 48 daily scores
From 70.9 (Jun 22) → 66.7 (now)

One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.

Analyst estimate revisions

30-day change-0.2%
90-day change-1.3%
Forward EPS estimate$10.15

Over the last 90 days, what analysts expect EFX to earn is drifting lower (-1.3%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →

Shares to buy
10
Position size
$1,926
3.9% of portfolio
Stop price
$144.47
25% below $192.62
$ at risk if stopped
$481.55
budget $500.00 · 1% of portfolio

Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.

Latest EFX developments

Recent headlines from across the financial press · updated daily. Links open the source.

Equifax Inc. (EFX): score, valuation & FAQ

Equifax Inc. (EFX) is a Consulting Services company that scores 66.7 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.

On valuation, EFX sits about 23% above our discounted-cash-flow fair value — the current price implies roughly 17% annual free-cash-flow growth over the next decade.

Is EFX a good stock to buy?

Bull Rankings scores EFX 66.7 out of 100 on its quality-growth model, which is a solid, above-average reading. A score is a quantitative screen of Equifax Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

Why does EFX score 66.7 on Bull Rankings?

The score is carried by growth at 80.9 out of 100, and held back by value at 51.9 — the three pillars combine geometrically, so a weak one cannot be papered over by a strong one. EFX grades middle-of-pack across the graded signals. Each signal is graded against sector-aware thresholds rather than one absolute bar, so EFX is measured against Consulting Services peers, not against the market as a whole.

Is EFX overvalued or undervalued?

Based on $192.62, EFX sits about 23% above our discounted-cash-flow fair value — the current price implies roughly 17% annual free-cash-flow growth over the next decade. It trades at a 33.9x P/E (graded C+). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.

What are the main risks of investing in EFX?

The bear case points to an elevated valuation: a 31× P/E paired with a reverse‑DCF implied 15% FCF growth—far above the actual 10.3% revenue growth—suggests optimism is baked in. A debt‑to‑equity of 1.21 and beta of 1.3 amplify downside if interest rates rise or macro‑employment slows, which would hit the Workforce Solutions pipeline. A breach in data security or regulatory clampdown would immediately erode the high‑margin contracts and confirm the over‑priced risk.

New to these metrics? The guides explain free cash flow, how the score works, and more in the learn hub — or run another name through the screener.

Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.

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