Morningstar

Equifax Inc EFX

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Stock XNYS Rating as of
$290.39 −0.23 (0.08%)
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As of Delayed Price Post-Trading: $290.39 0.00

Company Report

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Equifax: Anecdotal Datapoints Suggest Government Contracts Have Strong Pricing

Rajiv Bhatia

Equifax's government business has been the firm's star in recent years, with government revenue growing from 6% of Equifax's firmwide revenue mix in 2020 to 13% in 2023. Notably, in Equifax's higher-margin Workforce Solutions segment, government revenue has gone from 11% of segment revenue mix in 2020 to 25% of segment revenue mix in 2023. And, with government revenue growing over 30% in the first half of 2024, we expect government to be a bigger part of the firm's revenue mix in the years ahead.

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Price vs Fair Value

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EFX is trading at a 392% premium.
Price
$290.62
Fair Value
$446.00
Uncertainty
High
1-Star Price
$555.18
5-Star Price
$969.00
Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

The workforce solutions segment is a fast-growing business built on unique data and can contribute meaningfully to earnings growth. Equifax can increase use cases in nonmortgage applications for income verification.

Bears

Mortgage volume drives Equifax's core credit bureau business and its workforce solutions segment, but it is difficult to predict, given its sensitivity to mortgage rates and homebuying activity. In addition, higher rates will weigh on the purchasing and refinancing mortgage market.

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News

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Trading Information

Previous Close Price
$290.62
Day Range
$289.47–292.94
52-Week Range
$159.95–309.63
Bid/Ask
$276.00 / $300.00
Market Cap
$35.93 Bil
Volume/Avg
745,650 / 853,712

Key Statistics

Price/Earnings (Normalized)
42.19
Price/Sales
6.61
Dividend Yield (Trailing)
0.54%
Dividend Yield (Forward)
0.54%
Total Yield
0.54%

Company Profile

Along with Experian and TransUnion, Equifax is one of the leading credit bureaus in the United States. Equifax’s credit reports provide credit histories on millions of consumers, and the firm's services are critical to lenders’ credit decisions. In addition, over 40% of the firm’s revenue comes from workforce solutions, which provides income verification and employer human resources services. Equifax generates just over 20% of its revenue from outside the United States.
Sector
Industrials
Industry
Consulting Services
Stock Style Box
Mid Growth
Total Number of Employees
14,900
Website
https://www.equifax.com

Competitors

Valuation

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Metric
EFX
MCO
TRU
Price/Earnings (Normalized)
 42.1942.0628.92
Price/Book Value
 7.6522.854.92
Price/Sales
 6.6113.275.10
Price/Cash Flow
 29.7734.8625.97
Price/Earnings
EFX
MCO
TRU

Financial Strength

Metric
EFX
MCO
TRU
Quick Ratio
 0.671.391.42
Current Ratio
 0.791.521.66
Interest Coverage
 4.187.880.58
Quick Ratio
EFX
MCO
TRU

Profitability

Metric
EFX
MCO
TRU
Return on Assets (Normalized)
 5.38%14.06%6.32%
Return on Equity (Normalized)
 14.61%60.77%17.19%
Return on Invested Capital (Normalized)
 8.13%20.67%9.40%
Return on Assets
EFX
MCO
TRU

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