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Equifax Inc EFX

Morningstar Rating
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Stock XNYS Rating as of
$271.74 +4.21 (1.57%)
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As of Delayed Price Post-Trading: $272.71 +0.96
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Company Report

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Equifax Earnings: Nonmortgage Verifier the Star of the Quarter; Some Soft Pockets Elsewhere

Rajiv Bhatia

Equifax's second-quarter financial results were decent on a consolidated basis. The firm's operating results were roughly in line with guidance and the FactSet consensus but were below our estimates. Workforce Solutions nonmortgage verification was the star of the quarter, with good growth in government, a rebound in talent solutions, and strong payroll record growth. Overall, there was little that will change our long-term view of the wide-moat firm and we will maintain our fair value estimate of $265.

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Price vs Fair Value

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EFX is trading at a 182% premium.
Price
$271.74
Fair Value
$415.00
Uncertainty
High
1-Star Price
$557.34
5-Star Price
$666.00
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
$267.53
Day Range
$266.77–272.32
52-Week Range
$159.95–276.69
Bid/Ask
$262.74 / $292.48
Market Cap
$33.62 Bil
Volume/Avg
615,529 / 761,155

Key Statistics

Price/Earnings (Normalized)
38.83
Price/Sales
6.09
Dividend Yield (Trailing)
0.57%
Dividend Yield (Forward)
0.57%
Total Yield
0.57%

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)
 38.8338.7923.15
Price/Book Value
 7.0421.073.94
Price/Sales
 6.0912.244.08
Price/Cash Flow
 27.4032.1520.78
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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Economic Moat
Market Cap
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ZbfzghptLngn$16.8 Bil
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