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Equifax Inc. (EFX) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Equifax Inc.

EFXMarket cap $17BPrice $142.5

Country🇺🇸United States

SectorIndustrials

IndustryProfessional Services

Collects and sells consumer credit data on hundreds of millions of people, deciding who gets approved for loans, mortgages, and apartments. A 2017 breach exposed 147 million Americans' data—yet it remains one of only three major credit bureaus.

In Bastion Portfolios?

52W Return-37%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+6%5

Revenue Forecast

Rev CAGR (1y)+11%6

Rev CAGR (3y)+10%7

Rev CAGR (5y)+9%7

Earnings Forecast

EPS Growth Y+1+63%10

EPS Growth Y+2+14%7

EPS Growth Y+3+19%8

Quality

Margins

EBIT Margin18%7

Net Income Margin11%6

Free Cash Flow Margin17%7

Debt

Net Debt/EBITDA2.73

Efficiency

ROE15%6

ROA6%7

Earnings Stability44

GEAR+AVERAGE56

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)165

P/E Ratio (Forward 3y)126

P/BV3.84

EV Multiples

EV/EBITDA Fwd106

EV/EBIT Fwd175

Yield

Free Cash Flow Yield6.6%8

Dividend Yield1.6%4

Momentum

Short term

1 month return-20%1

3 month return-18%2

YTD return-34%1

Mid term

Price vs 52wHigh59%2

1 year return-39%1

Long term

3 year return-20%2

5 year return-43%2

Risk Shield

Price Risk

Beta1.13

Volatility39%5

Free Cash Flow

Free Cash Flow Margin17%7

Free Cash Flow Yield6.6%8

Quality

ROCE12%7

Earnings Stability44

Net Debt/EBITDA2.73

02Growth

Is it actually growing, and how fast?

EFXEquifax

Revenue FY25$6.1B

GROWTH RATING↗

AVERAGE67 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%5

Revenue, next 1Y+11%6

Revenue, next 3Y, CAGR+10%7

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+63%10

EPS growth, FY27E+14%7

EPS growth, FY28E+19%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 67% of companies worldwide.

Revenue is set to grow 10%/yr over the next 3 years, ahead of most of the market.7/10

Revenue grew 6%/yr over the last 3 years and is set to grow 10%/yr from here.

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

Earnings are set to grow faster than sales (EPS about 19%/yr vs revenue 10%/yr), so margins should widen.

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Margin Expander

A top-tier grower that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK3 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-20%1

3-month return-18%2

YTD return-34%1

MID & LONG-TERM▾SCORE

% of 52-week high59%2

1-year return-39%1

3-year return-20%2

5-year return-43%2

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

None flagged.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-20% over three years and -43% over five), behind 80% of the market.

It's down 39% over the past year, now 41% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-20%), over three months (-18%) and so far this year (-34%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Equifax. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

EFXEquifax

Revenue FY25$6.1B

GROWTH RATING↗

AVERAGE67 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%5

Revenue, next 1Y+11%6

Revenue, next 3Y, CAGR+10%7

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+63%10

EPS growth, FY27E+14%7

EPS growth, FY28E+19%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 67% of companies worldwide.

Revenue is set to grow 10%/yr over the next 3 years, ahead of most of the market.7/10

Revenue grew 6%/yr over the last 3 years and is set to grow 10%/yr from here.

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

Earnings are set to grow faster than sales (EPS about 19%/yr vs revenue 10%/yr), so margins should widen.

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Margin Expander

A top-tier grower that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK3 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-20%1

3-month return-18%2

YTD return-34%1

MID & LONG-TERM▾SCORE

% of 52-week high59%2

1-year return-39%1

3-year return-20%2

5-year return-43%2

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

None flagged.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-20% over three years and -43% over five), behind 80% of the market.

It's down 39% over the past year, now 41% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-20%), over three months (-18%) and so far this year (-34%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Equifax. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community