Equifax (EFX)
Industrials · Credit reporting and business information services
A global data and analytics company that combines consumer credit files, employment verification, and fraud detection to power lending, hiring, and identity decisions across North America and emerging markets.
What Equifax does
Equifax is a global data, analytics and technology company providing information solutions to financial institutions, corporations, government agencies and consumers. The company maintains comprehensive databases of consumer and business information including credit history, financial assets, employment, income, educational history, criminal justice records, and demographic data. Using advanced statistical techniques, artificial intelligence and machine learning, Equifax creates customized insights and decisioning solutions across three operating segments: Workforce Solutions (employment verification and HR services), U.S. Information Solutions (consumer/commercial credit and fraud protection), and International (similar products across Latin America, Europe, Asia Pacific and Canada).
Themes: ["Credit risk and decisioning","Identity verification","Fraud prevention and detection","Employment and workforce verification","Consumer data and privacy","HR business process outsourcing","Cloud infrastructure and modernization","AI and machine learning analytics","Emerging markets expansion","Financial inclusion"]
Fundamentals
- Price$166.66 as of 2026-07-09 close
- Market cap$19.9B as of 2026-07-10
- 1-year return-37.3% as of 2026-07-09 close
- P/E28.43 as of 2026-07-10
- Net margin+11.1% as of 2026-07-10
- Gross margin+56.1% as of 2026-07-10
- ROE+14.6% as of 2026-07-10
- Debt / equity1.17 as of 2026-07-10
- Revenue growth (YoY)+9.6% as of 2026-07-10
- Revenue CAGR (3y)+5.8% SEC XBRL
- Beta1.30 as of 2026-07-10
Dividend: yield +1.3%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Regulatory scrutiny and compliance risks around consumer data privacy and security, given historical data breaches and sensitivity of personal information maintained","Exposure to economic downturns and credit cycle deterioration, which could reduce demand for decisioning and credit monitoring services from financial institution clients","Cybersecurity threats and data breach risks, with potential for significant operational and reputational damage given reliance on sensitive personal and financial data assets"]
Competitors & peers
- Experian
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.