Equifax Inc.EFX
NYSE•Industrials•Consulting Services
Equifax Inc. operates as a data, analytics, and technology company. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment offers services that enables customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure, and sanctions of people in the United States; and employer customers with services that that assist them in complying with and automating certain payroll-related and human resource management processes throughout the entire cycle of the employment relationship. The U.S. Information Solutions 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 services; mortgage services; financial marketing services; identity management services; and credit monitoring products. The International segment offers information service products, which include consumer and commercial services comprising credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as information, technology, and services to support debt collections and recovery management. The company also provides information solutions for businesses, governments and consumers; and human resources business process automation and outsourcing services for employers. It operates in Argentina, Australia, Brazil, Canada, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, India, Ireland, Mexico, New Zealand, Paraguay, Peru, Portugal, Spain, the United Kingdom, Uruguay, and the United States. The company was founded in 1899 and is headquartered in Atlanta, Georgia.
Equifax, Inc. (EFX) reported trailing twelve months revenue of $6.28B as of March 2026, a 9.6% increase year-over-year. Quarterly revenue reached $1.65B, reflecting continued top-line momentum.
Equifax, Inc. generated $698.70M in TTM net income, with quarterly EBITDA of $472.50M. The operating margin expanded from 16.4% to 17.4%, suggesting improving cost efficiency and pricing discipline.
The spread between operating margin (17.4%) and net margin (10.4%) indicates moderate non-operating costs. Net margin has improved from 9.2% a year ago, signaling stronger bottom-line efficiency.
EFX trades at a P/E of 30.5x (a premium multiple) and a P/S of 3.4x. The price-to-book ratio of 4.7x reflects a moderate premium to book value.
The company generated $121.50M in free cash flow over the trailing twelve months, a 4.1% increase year-over-year, indicating cash generation ability. The balance sheet shows $11.94B in total assets with $4.06B in long-term debt against $4.54B in stockholders equity for a debt-to-equity ratio of 0.9. Data based on the most recent quarterly reports.
Competitive analysis based on 21 quarters of fundamental data
Operating margins are stable at ~18.3%, suggesting durable pricing power and cost discipline.
ROE is positive at ~13.0% on average, adequate but below the threshold typically associated with wide moats.
Free cash flow is consistently positive and growing — a hallmark of a capital-light business that can self-fund growth.
TTM revenue has grown consistently (7 of 7 quarters up), with ~14.9% growth over the period. Strong demand durability.
Data-driven red flags and warnings across 21 quarters
Margins are stable or improving at ~18.3% — no sign of cost or pricing stress.
FCF covers net income by 1.5x on average — earnings are well-supported by cash generation.
D/E ratio is 0.9 — conservative capital structure with low financial risk.
Revenue is stable or growing over recent quarters — demand appears durable.
Free cash flow is consistently positive — the business self-funds without external capital reliance.
Shares decreased 3.0% — net buybacks are reducing shares outstanding and boosting per-share value.
Quarterly standardized metrics.
Stock price and market valuation
Revenue and earnings growth across quarters
Assets, cash, debt, and leverage
Price multiples and return ratios
Operating efficiency and return metrics
Free cash flow, earnings quality, and capital allocation