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Equifax Inc Stock Research

EFX

198.27USD+2.85(+1.46%)Delayedas of 29 Mar 2023, 10:20 am

Market Summary

USD198.27+2.85
Delayedas of 29 Mar 2023, 10:20 am
1.46%

EFX Stock Price

EFX RSI Chart

EFX Valuation

Market Cap

23.9B

Price/Earnings (Trailing)

34.39

Price/Sales (Trailing)

4.67

EV/EBITDA

17.31

Price/Free Cashflow

31.62

EFX Price/Sales (Trailing)

EFX Profitability

EBT Margin

18.15%

Return on Equity

17.6%

Return on Assets

6.03%

Free Cashflow Yield

3.16%

EFX Fundamentals

EFX Revenue

Revenue (TTM)

5.1B

Revenue Y/Y

-4.41%

Revenue Q/Q

-3.73%

EFX Earnings

Earnings (TTM)

696.2M

Earnings Y/Y

-11.38%

Earnings Q/Q

-34.7%

Price Action

52 Week Range

145.69242.01
(Low)(High)

Last 7 days

-3.7%

Last 30 days

-2.4%

Last 90 days

2.7%

Trailing 12 Months

-17.6%

EFX Financial Health

Current Ratio

0.68

Debt/Equity

1.34

Debt/Cashflow

0.14

EFX Investor Care

Dividend Yield

0.8%

Dividend/Share (TTM)

1.56

Shares Dilution (1Y)

0.33%

Diluted EPS (TTM)

5.65

Peers (Alternatives to Equifax)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
29.0B
2.5B
9.33% -11.30%
30.44
11.63
1.40% 43.19%
23.9B
5.1B
-2.36% -17.62%
34.39
4.67
4.03% -6.45%
11.2B
3.7B
-11.05% -43.26%
37.59
2.99
26.46% -78.55%
10.1B
3.5B
0.43% 43.61%
18.72
2.84
-17.23% -31.38%
MID-CAP
8.2B
7.2B
-2.89% -33.82%
12.49
1.14
12.02% 9.90%
4.7B
4.9B
-8.15% -20.57%
13.17
0.96
7.60% 5.03%
4.6B
1.7B
1.28% -14.18%
60.84
2.68
8.28% 0.34%
4.1B
19.8B
-5.70% -15.64%
10.98
0.21
-4.33% -2.25%
4.0B
4.6B
-9.04% -30.02%
14.85
0.87
14.26% -34.59%
2.5B
1.4B
-3.85% 21.33%
23.32
1.74
27.79% 48.62%
SMALL-CAP
1.4B
618.3M
-3.18% -54.90%
-15.71
2.28
22.98% -59.82%
600.0M
1.1B
-9.77% 14.64%
12.69
0.57
10.38% 24.13%
590.9M
1.1B
-0.50% -22.95%
7.43
0.55
7.45% 9.53%
571.5M
2.3B
-6.98% -40.04%
9.18
0.25
3.71% 1.04%

Financials for Equifax

Income Statement (Last 12 Months)
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Revenue-1.1%5,1225,1775,1565,0744,924
  S&GA Expenses-0.2%1,3291,3321,3581,3561,325
Costs and Expenses0.5%4,0664,0453,9943,9103,786
EBITDA1.8%1,6731,6431,6531,636-
EBITDA Margin2.9%0.33*0.32*0.32*0.32*-
Earnings Before Taxes0.3%930927972985949
EBT Margin1.4%0.18*0.18*0.19*0.19*-
Interest Expenses9.6%183167155148146
Net Income-2.0%696710750764744
Net Income Margin-0.9%0.14*0.14*0.15*0.15*-
Free Cahsflow-7.3%757817861993-
Balance Sheet
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Assets2.1%11,54811,30811,22111,39211,041
  Current Assets5.8%1,3711,2951,3531,2641,121
    Cash Equivalents18.0%285242224201225
  Net PPE6.7%1,5871,4871,4341,3831,316
  Goodwill1.3%6,3846,3046,2396,3786,258
Liabilities0.6%7,5757,5327,4007,5417,440
  Current Liabilities-0.2%2,0152,0192,6332,3432,291
  Long Term Debt12.8%5,3004,7004,9005,325-
    LT Debt, Non Current0.0%4,8204,8194,0744,4724,470
Shareholder's Equity5.3%3,9573,7593,8213,8513,584
  Retained Earnings1.2%5,2565,1965,0784,9264,752
  Additional Paid-In Capital0.9%1,5941,5801,5631,5491,537
Accumulated Depreciation3.1%1,0951,0621,0341,018961
Shares Outstanding0.1%123122122122122
Minority Interest1.2%17.0017.0016.0017.0017.00
Cashflow (Last 12 Months)
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Cashflow From Operations-7.3%7578178619931,335
  Share Based Compensation3.5%63.0061.0058.0057.0055.00
Cashflow From Investing65.3%-959-2,765-2,631-2,692-3,398
Cashflow From Financing42.7%2741921,5631,151618
  Dividend Payments0.2%191191191190190
  Buy BacksNaN%0.000.000.0036.0070.00

Risks for EFX

What is the probability of a big loss on EFX?

76.9%


Probability that Equifax stock will be more than 20% underwater in next one year

60.8%


Probability that Equifax stock will be more than 30% underwater in next one year.

11.2%


Probability that Equifax stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does EFX drawdown profile look like?

Y-axis is the maximum loss one would have experienced if Equifax was unfortunately bought at previous high price.

Drawdowns

Returns for EFX

Cumulative Returns on EFX

14.3%


10-Year Cumulative Returns

9.3%


7-Year Cumulative Returns

11.7%


5-Year Cumulative Returns

18.7%


3-Year Cumulative Returns

What are the long-term rolling returns for EFX?

FIve years rolling returns for Equifax.

Annualized Returns

Which funds bought or sold EFX recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-03-23
MetLife Investment Management, LLC
reduced
-1.76
682,812
6,681,320
0.05%
2023-03-17
American Portfolios Advisors
reduced
-1.39
-1,977
24,343
-%
2023-03-15
B. Riley Wealth Advisors, Inc.
added
13.79
101,539
455,539
0.01%
2023-03-10
VICTORY CAPITAL MANAGEMENT INC
added
16.36
2,787,880
11,520,900
0.01%
2023-03-08
Capital Asset Advisory Services LLC
reduced
-56.09
-224,032
271,968
0.02%
2023-03-06
NORTH STAR ASSET MANAGEMENT INC
added
1.83
2,779,060
20,764,100
1.29%
2023-03-06
Rockefeller Capital Management L.P.
reduced
-8.25
12,000
315,000
-%
2023-03-06
Aldebaran Financial Inc.
unchanged
-
209,138
1,856,140
1.99%
2023-03-02
OLIVER LAGORE VANVALIN INVESTMENT GROUP
reduced
-1.49
1,828
12,828
0.01%
2023-02-28
Voya Investment Management LLC
added
1.93
1,585,330
11,774,300
0.02%

1–10 of 44

Latest Funds Activity

Are funds buying EFX calls or puts?
Calls
Puts
Are funds bullish or bearish(Calls - Puts)?
Net Call Options
No. of funds that own EFX
No. of Funds

Equifax News

MarketBeat

Thompson Investment Management Inc. Acquires 730 Shares of ....

MarketBeat,
4 hours ago

Marketscreener.com

Schedule 13G FIlings of Equifax

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Feb 14, 2023
t. rowe price investment management, inc.
7.3%
8,935,666
SC 13G
Feb 13, 2023
capital international investors
6.1%
7,524,775
SC 13G
Feb 09, 2023
vanguard group inc
11.05%
13,532,743
SC 13G/A
Feb 08, 2023
massachusetts financial services co /ma/
9.4%
11,567,998
SC 13G/A
Feb 07, 2023
blackrock inc.
6.9%
8,452,346
SC 13G/A
May 02, 2022
massachusetts financial services co /ma/
10.4%
12,740,177
SC 13G/A
Feb 14, 2022
generation investment management llp
1.80%
2,200,635
SC 13G/A
Feb 14, 2022
price t rowe associates inc /md/
3.5%
4,275,173
SC 13G/A
Feb 11, 2022
capital international investors
4.4%
5,392,909
SC 13G/A
Feb 10, 2022
vanguard group inc
10.56%
12,880,896
SC 13G/A

EFX Fair Value

Equifax fair value in different scenarios

The table shows the Fair Value estimates for Equifax for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
Fair ValueVery PessimisticPessimisticBase CaseOptimisticVery Optimistic
Very Low Inflation

73.58

-62.89%

92.29

-53.45%

124.25

-37.33%

162.53

-18.03%

207.26

4.53%
Current Inflation

68.11

-65.65%

84.19

-57.54%

111.16

-43.94%

143.38

-27.68%

181.05

-8.69%
Very High Inflation

61.32

-69.07%

74.36

-62.50%

95.63

-51.77%

121.03

-38.96%

150.75

-23.97%

Historical Equifax Fair Value Estimates


Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price

Recent SEC filings of Equifax

View All Filings
Date Filed Form Type Document
Mar 23, 2023
ARS
ARS
Mar 23, 2023
DEF 14A
DEF 14A
Mar 23, 2023
DEFA14A
DEFA14A
Mar 07, 2023
425
Prospectus Filed
Mar 06, 2023
S-4
Mergers and Acquisition
Feb 23, 2023
4
Insider Trading
Feb 23, 2023
4
Insider Trading
Feb 23, 2023
4
Insider Trading
Feb 23, 2023
4
Insider Trading
Feb 23, 2023
4
Insider Trading

Latest Insider Trading transactions for EFX

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2023-02-21
Ploder Rodolfo O
acquired
-
-
4,184
evp, pres workforce solutions
2023-02-21
Ploder Rodolfo O
sold (taxes)
-542,950
203
-2,664
evp, pres workforce solutions
2023-02-21
Farshchi Jamil
acquired
-
-
3,426
evp, ciso
2023-02-21
Begor Mark W
acquired
-
-
30,816
ceo
2023-02-21
KELLEY JOHN J III
acquired
-
-
4,567
evp, chief legal officer
2023-02-21
Chaney Carla
acquired
-
-
2,853
evp, chief hr officer
2023-02-21
Chaney Carla
sold (taxes)
-372,972
203
-1,830
evp, chief hr officer
2023-02-21
Farshchi Jamil
sold (taxes)
-447,974
203
-2,198
evp, ciso
2023-02-21
Houston Julia A
acquired
-
-
2,663
evp, strategy & mktg officer
2023-02-21
Houston Julia A
sold (taxes)
-348,311
203
-1,709
evp, strategy & mktg officer

1–10 of 50

Mark W. Begor
12700
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.

EFX Income Statement

2022-12-31
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Millions, $ in Millions
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Income Statement [Abstract]   
Operating revenue$ 5,122.2$ 4,923.9$ 4,127.5
Operating expenses:   
Cost of services (exclusive of depreciation and amortization below)2,177.21,980.91,737.4
Selling, general and administrative expenses1,328.91,324.61,322.5
Depreciation and amortization560.1480.4391.0
Total operating expenses4,066.23,785.93,450.9
Operating income1,056.01,138.0676.6
Interest expense(183.0)(145.6)(141.6)
Other income (expense), net56.7(43.2)150.2
Consolidated income before income taxes929.7949.2685.2
Provision for income taxes(229.5)(200.7)(159.0)
Consolidated net income700.2748.5526.2
Less: Net income attributable to noncontrolling interests including redeemable noncontrolling interests(4.0)(4.3)(6.1)
Net income attributable to Equifax$ 696.2$ 744.2$ 520.1
Basic earnings per common share:   
Net income attributable to Equifax (in dollars per share)$ 5.69$ 6.11$ 4.28
Weighted-average shares used in computing basic earnings per share (in shares)122.4121.9121.5
Diluted earnings per common share:   
Net income attributable to Equifax (in dollars per share)$ 5.65$ 6.02$ 4.24
Weighted-average shares used in computing diluted earnings per share (in shares)123.3123.6122.8
Dividends per common share (in dollars per share)$ 1.56$ 1.56$ 1.56

EFX Balance Sheet

2022-12-31
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Millions
Dec. 31, 2022
Dec. 31, 2021
Current assets:  
Cash and cash equivalents$ 285.2$ 224.7
Trade accounts receivable, net of allowance for doubtful accounts of $19.1 and $13.9 at December 31, 2022 and 2021, respectively857.7727.6
Prepaid expenses134.3108.4
Other current assets93.360.2
Total current assets1,370.51,120.9
Property and equipment:  
Capitalized internal-use software and system costs2,139.11,727.3
Data processing equipment and furniture281.4299.6
Land, buildings and improvements261.6250.3
Total property and equipment2,682.12,277.2
Less accumulated depreciation and amortization(1,095.1)(961.3)
Total property and equipment, net1,587.01,315.9
Goodwill6,383.96,258.1
Indefinite-lived intangible assets94.894.9
Purchased intangible assets, net1,818.51,898.0
Other assets, net293.2353.1
Total assets11,547.911,040.9
Current liabilities:  
Short-term debt and current maturities of long-term debt967.2824.8
Accounts payable250.8211.6
Accrued expenses229.0237.5
Accrued salaries and bonuses138.7257.9
Deferred revenue132.9121.3
Other current liabilities296.6638.2
Total current liabilities2,015.22,291.3
Long-term debt4,820.14,470.1
Deferred income tax liabilities, net460.3358.2
Long-term pension and other postretirement benefit liabilities100.4130.1
Other long-term liabilities178.6190.0
Total liabilities7,574.67,439.7
Commitments and Contingencies (see Note 6)
Equifax shareholders’ equity:  
Preferred stock, $0.01 par value: Authorized shares - 10.0; Issued shares - none0.00.0
Common stock, $1.25 par value: Authorized shares - 300.0;   Issued shares - 189.3 at December 31, 2022 and 2021;   Outstanding shares - 122.5 and 122.1 at December 31, 2022 and 2021, respectively236.6236.6
Paid-in capital1,594.21,536.7
Retained earnings5,256.04,751.6
Accumulated other comprehensive loss(473.7)(295.4)
Treasury stock, at cost, 66.2 shares and 66.6 shares at December 31, 2022 and 2021,     respectively(2,650.7)(2,639.2)
Stock held by employee benefits trusts, at cost, 0.6 shares at December 31, 2022 and 2021, respectively(5.9)(5.9)
Total Equifax shareholders’ equity3,956.53,584.4
Noncontrolling interests including redeemable noncontrolling interests16.816.8
Total shareholders’ equity3,973.33,601.2
Total liabilities and equity$ 11,547.9$ 11,040.9