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Downgrading Our Moat Ratings to Narrow for Equifax and TransUnion
After reviewing Equifax's and TransUnion’s moat ratings, we are downgrading our ratings to narrow from wide.
Equifax Inc EFX
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.
News
-
U.S. Consumer Debt Hits $18.19 Trillion in Q1 2026
-
Equifax and GBG Expand Global Partnership
-
Equifax Board of Directors Declares Quarterly Dividend
-
What the growing gap between Americans with good and bad credit says about today's economy
-
Equifax Announces Participation in Upcoming Investor Conferences
-
Want the lowest mortgage rate you can get? Credit-scoring changes mean home buyers need a new strategy.
-
Equifax and Ataeva Partner to Launch Advanced Spend and Yield Tools for Financial Institutions
-
Equifax Delivers Record First Quarter Revenue - $37 Million Above Midpoint of February Guidance
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Trading Information
- Previous Close Price
- $166.06
- Day Range
- $153.91–164.26
- 52-Week Range
- $153.91–275.91
- Bid/Ask
- $154.02 / $160.88
- Shares Outstanding
- 119.07M
- Market Cap
- $19.00B
- Volume/Avg
- 3M / 2M
Key Statistics
- Price/Earnings (Normalized)
- 20.78
- Price/Sales
- 3.25
- Dividend Yield (Trailing)
- 1.26%
- Dividend Yield (Forward)
- 1.33%
- Total Yield
- 5.97%
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, about 40% of the firm’s revenue comes from Workforce Solutions, which provides income verification and employer human resources services. Equifax generates about 25% of its revenue from outside the United States.
- Sector
- Industrials
- Industry
- Consulting Services
- Stock Style Box
- Mid Core
- Total Number of Employees
- 15,000
- Website
- https://www.equifax.com
Competitors
Valuation
|
Metric
|
EFX
|
TRU
|
FICO
|
|---|---|---|---|
Price/Earnings (Normalized) | 20.78 | 15.79 | 33.90 |
Price/Book Value | 4.36 | 2.84 | — |
Price/Sales | 3.25 | 2.90 | 13.09 |
Price/Cash Flow | 12.99 | 11.21 | 31.39 |
Price/Earnings
EFX
TRU
FICO
Financial Strength
|
Metric
|
EFX
|
TRU
|
FICO
|
|---|---|---|---|
Quick Ratio | 0.51 | 1.70 | 2.07 |
Current Ratio | 0.61 | 1.93 | 2.22 |
Interest Coverage | 5.39 | 4.50 | 7.20 |
Quick Ratio
EFX
TRU
FICO
Profitability
|
Metric
|
EFX
|
TRU
|
FICO
|
|---|---|---|---|
Return on Assets (Normalized) | 8.27% | 7.71% | 45.94% |
Return on Equity (Normalized) | 20.31% | 19.23% | — |
Return on Invested Capital (Normalized) | 11.45% | 10.49% | 69.71% |
Return on Assets
EFX
TRU
FICO
Consulting Services Industry Comparables
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1-Day Chart
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United States