Equifax, Inc. (EFX) Stock Analysis
Recovery setup
Industrials · Consulting Services
Wait for pullback to $159.97. BUY gates pass at $167.13, but leverage penalty (D/E 1.1): -0.5 and below 200-MA, MA slope -5.4%/30d (confirmed downtrend) argue for a more patient entry. Engine's entry $159.97 (1 ATR pullback) is the shallowest technical level that clears the 2:1 A.R:R minimum.
Equifax provides data, analytics, and technology solutions through three segments—Workforce Solutions, U.S. Information Solutions, and International—covering consumer credit, employment/income verification, fraud detection, and HR business process services. Revenue is earned on... Read more
Wait for pullback to $159.97. BUY gates pass at $167.13, but leverage penalty (D/E 1.1): -0.5 and below 200-MA, MA slope -5.4%/30d (confirmed downtrend) argue for a more patient entry. Engine's entry $159.97 (1 ATR pullback) is the shallowest technical level that clears the 2:1 A.R:R minimum. Chart setup: Death cross but MACD improving, RSI 54. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 6.1/10, moderate confidence.
Passes 8/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news boost analyst 0.50, earnings proximity 34d clear, semi cycle peak clear, materials cycle peak clear). Suitability: aggressive.
About Equifax, Inc.
About Equifax, Inc.
Equifax maintained 209 million active and 813 million total employment records in The Work Number platform at December 31, 2025, drawing from payroll data provided by more than 4 million contributing organizations. Revenue streams are diversified across three operating segments—Workforce Solutions, U.S. Information Solutions (USIS), and International—with international clients accounting for 23% of total revenue in 2025, consistent with 24% in 2024 and 23% in 2023. The largest single client represented approximately 3% of total revenue.
Equifax earns revenue on a per-transaction basis in Verification Services, where employment and income checks are run for mortgage originators, credit card and automotive lenders, government agencies, and pre-employment screeners. Employer Services earns fees from unemployment claims management, I-9 onboarding, ACA compliance management, and tax credit processing. USIS generates revenue through Online Information Solutions (credit reports, fraud products, decisioning technology) and Financial Marketing Services (portfolio management, marketing analytics, identity verification), with clients primarily in banking, financial services, insurance, mortgage, and government verticals. The International segment covers Latin America, Europe (U.K., Spain, Portugal), Asia Pacific (Australia, New Zealand, India), and Canada, with joint ventures in Brazil, Cambodia, Malaysia, and Singapore. Equifax licenses credit information to and from Experian and TransUnion for tri-bureau mortgage products, creating competitive interdependence in the U.S. mortgage market.
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Equifax's information supply chain depends on voluntary data contributions from lenders, employers (via The Work Number), and telecommunications and utility firms via the NCTUE database. The 10-K warns that data furnishers could withdraw or restrict data contributions for competitive, legislative, or security reasons. The company has 'previously experienced a material cybersecurity incident' that damaged key certifications and paused certain customer relationships; another breach could cause customers and government contractors to stop doing business with Equifax. Government contracts with federal, state, and local agencies represent a named revenue stream subject to suspension if compliance failures occur.
See also: Industrials · Consulting Services
From Equifax, Inc.'s most recent 10-K filing, extracted June 10, 2026.
Recent developments
updated 2026-06-17Recent Developments — Equifax, Inc.
Latest news
- NEWS Will Equifax (EFX) Beat Estimates Again in Its Next Earnings Report? - Yahoo Finance — Yahoo Finance positive
- NEWS EFX Maintained by UBS -- Price Target Raised to $215 - GuruFocus — GuruFocus positive
- NEWS Will Equifax’s (EFX) New Work Number Integration Reshape Its Data-Driven Lending Narrative? - Sahm — Sahm positive
- NEWS Equifax (EFX) to Release Quarterly Earnings on Tuesday - MarketBeat — MarketBeat neutral
- NEWS EFX Maintained by UBS -- Price Target Lowered to $220 - GuruFocus — GuruFocus neutral
Generated 2026-06-17T09:36:57Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- LOWGeographicinternational revenue23%10-K Item 1: 'Revenue from international clients, including end users and resellers, amounted to 23% of our total revenue in 2025'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
10 dimensions · all in-band
Price Targets
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Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $159.97. BUY gates pass at $167.13, but leverage penalty (D/E 1.1): -0.5 and below 200-MA, MA slope -5.4%/30d (confirmed downtrend) argue for a more patient entry. Engine's entry $159.97 (1 ATR pullback) is the shallowest technical level that clears the 2:1 A.R:R minimum. Chart setup: Death cross but MACD improving, RSI 54. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $200.91 (+20.2%), stop $149.29 (−11.9%), Setup A.R:R 3.8:1. Score 6.1/10, moderate confidence.
Take-profit target: $200.91 (+25.6% upside). Target $200.91 (+20.2%), stop $149.29 (−11.9%), Setup A.R:R 3.8:1. Stop-loss: $149.29.
Leverage penalty (D/E 1.1): -0.5; Below 200-MA, MA slope -5.4%/30d (confirmed downtrend).
Equifax, Inc. trades at a P/E of 29.1 (forward 16.1). TrendMatrix value score: 6.3/10. Verdict: Buy (Wait for Entry).
30 analysts cover EFX with a consensus score of 3.9/5. Average price target: $223.
What does Equifax, Inc. do?Equifax provides data, analytics, and technology solutions through three segments—Workforce Solutions, U.S. Information...
Equifax provides data, analytics, and technology solutions through three segments—Workforce Solutions, U.S. Information Solutions, and International—covering consumer credit, employment/income verification, fraud detection, and HR business process services. Revenue is earned on a per-transaction and subscription basis from financial institutions, corporations, government agencies, and consumers in North America, Latin America, Europe, and Asia Pacific.