EFX Stock - Equifax Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $5.68B | $5.27B | $5.12B | $4.92B | $4.13B |
| Gross Profit | $3.16B | $2.93B | $2.94B | $2.94B | $2.39B |
| Gross Margin | 55.7% | 55.7% | 57.5% | 59.8% | 57.9% |
| Operating Income | $1.04B | $933.60M | $1.06B | $1.14B | $676.60M |
| Net Income | $604.10M | $545.30M | $696.20M | $744.20M | $520.10M |
| Net Margin | 10.6% | 10.4% | 13.6% | 15.1% | 12.6% |
| EPS | $4.88 | $4.44 | $5.69 | $6.11 | $4.28 |
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.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 13th 2025 | Oppenheimer | Initiation | Outperform | $271 |
| October 1st 2025 | Seaport Research Partners | Initiation | Neutral | - |
| July 10th 2025 | BMO Capital Markets | Initiation | Market Perform | $280 |
| June 23rd 2025 | BofA Securities | Downgrade | Neutral | $285 |
| April 10th 2025 | BofA Securities | Resumed | Buy | $280 |
| April 4th 2025 | Barclays | Downgrade | Equal Weight | $260 |
| March 20th 2025 | RBC Capital Mkts | Upgrade | Outperform | $300 |
| March 14th 2025 | Exane BNP Paribas | Downgrade | Neutral | $265 |
| February 11th 2025 | Argus | Downgrade | Hold | - |
| December 16th 2024 | Exane BNP Paribas | Upgrade | Outperform | $305 |
| December 12th 2024 | Wolfe Research | Downgrade | Peer Perform | - |
| December 12th 2024 | Morgan Stanley | Upgrade | Overweight | $320← $275 |
| October 1st 2024 | UBS | Initiation | Buy | $360 |
| September 19th 2024 | Exane BNP Paribas | Upgrade | Neutral | $310 |
| August 13th 2024 | Wells Fargo | Initiation | Overweight | $340 |
Earnings History & Surprises
EFXEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 20, 2026 | — | — | — | — |
Q1 2026 | Feb 5, 2026 | $2.04 | — | — | — |
Q4 2025 | Oct 21, 2025 | $1.94 | $2.04 | +5.2% | ✓ BEAT |
Q2 2025 | Apr 22, 2025 | $1.41 | $1.06 | -24.8% | ✗ MISS |
Q1 2025 | Feb 6, 2025 | $2.12 | $2.12 | 0.0% | = MET |
Q4 2024 | Oct 16, 2024 | $1.85 | $1.85 | 0.0% | = MET |
Q3 2024 | Jul 17, 2024 | $1.76 | $1.82 | +3.4% | ✓ BEAT |
Q2 2024 | Apr 17, 2024 | $1.44 | $1.50 | +4.2% | ✓ BEAT |
Q1 2024 | Feb 7, 2024 | $1.74 | $1.81 | +4.0% | ✓ BEAT |
Q4 2023 | Oct 18, 2023 | $1.78 | $1.76 | -1.1% | ✗ MISS |
Q3 2023 | Jul 19, 2023 | $1.67 | $1.71 | +2.4% | ✓ BEAT |
Q2 2023 | Apr 19, 2023 | $1.37 | $1.43 | +4.4% | ✓ BEAT |
Q1 2023 | Feb 8, 2023 | $1.48 | $1.52 | +2.7% | ✓ BEAT |
Q4 2022 | Oct 19, 2022 | $1.63 | $1.73 | +6.1% | ✓ BEAT |
Q3 2022 | Jul 20, 2022 | $2.00 | $2.09 | +4.5% | ✓ BEAT |
Q2 2022 | Apr 20, 2022 | $2.14 | $2.22 | +3.7% | ✓ BEAT |
Q1 2022 | Feb 9, 2022 | $1.81 | $1.84 | +1.7% | ✓ BEAT |
Q4 2021 | Oct 20, 2021 | $1.72 | $1.85 | +7.6% | ✓ BEAT |
Q3 2021 | Jul 21, 2021 | $1.71 | $1.98 | +15.8% | ✓ BEAT |
Q2 2021 | Apr 21, 2021 | $1.55 | $1.97 | +27.1% | ✓ BEAT |
Latest News
Equifax Secured 27 Patents In H2 2025, Bringing The Total Number Of New Patents Secured For The Year To 62
📈 PositiveMorgan Stanley Maintains Overweight on Equifax, Lowers Price Target to $280
➖ NeutralEquifax Launches New Tool to Help Get Pre-Approved for a Mortgage Faster
📈 PositiveBMO Capital Maintains Market Perform on Equifax, Lowers Price Target to $234
➖ NeutralEquifax Canada Joins Canadian Anti-Scam Coalition To Help Protect Canadians Against Scams And Financial Fraud
📈 PositiveEquifax Announces Acquires Vault Verify; Terms Not Disclosed
📈 PositiveStifel Maintains Buy on Equifax, Lowers Price Target to $253
➖ NeutralBMO Capital Maintains Market Perform on Equifax, Lowers Price Target to $245
➖ NeutralNeedham Reiterates Buy on Equifax, Maintains $295 Price Target
📈 PositiveEquifax shares are trading lower after the company reported Q3 financial results and issued Q4 adjusted EPS guidance with its midpoint below estimates.
📉 NegativeEquifax Exec Says We're Expanding Vantage 4.0 Mortgage Credit Score Offerings In Response To FICO's Aggressive Price Actions
➖ NeutralEquifax Raises FY2025 Adj EPS Guidance from $7.33-$7.63 to $7.55-$7.65 vs $7.55 Est; Raises FY2025 Sales Guidance from $5.970B-$6.040B to $6.030B-$6.060B vs $6.015B Est
📈 PositiveEquifax Sees Q4 Adj EPS $1.98-$2.08 vs $2.08 Est; Sees Sales $1.506B-$1.536B vs $1.513B Est
➖ NeutralEquifax Q3 Adj. EPS $2.04 Beats $1.94 Estimate, Sales $1.545B Beat $1.522B Estimate
📈 PositiveWells Fargo Maintains Overweight on Equifax, Lowers Price Target to $285
➖ NeutralOppenheimer Assumes Equifax at Outperform, Lowers Price Target of $271
📈 PositiveNeedham Reiterates Buy on Equifax, Maintains $295 Price Target
📈 PositiveB of A Securities Maintains Neutral on Equifax, Lowers Price Target to $250
➖ NeutralMarket-Moving News for October 2nd
➖ NeutralShares of credit bureau stocks are trading lower after FICO launched its Mortgage Direct License Program, which allows tri-merge resellers to calculate and distribute FICO scores directly to customers, bypassing credit bureau channels.
📉 NegativeFrequently Asked Questions about EFX
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