Equifax Inc. is an American multinational consumer credit reporting agency and is one of the three largest consumer credit reporting agencies, along with Experian and TransUnion. In addition to credit and demographic data and services to business, Equifax sells credit monitoring and fraud prevention services directly to consumers.
| Revenue (TTM) | $6.44B |
| Gross Profit (TTM) | $3.58B |
| EBITDA | $1.92B |
| Operating Margin | 17.30% |
| Return on Equity | 14.30% |
| Return on Assets | 6.16% |
| Revenue/Share (TTM) | $53.37 |
| Book Value | $37.25 |
| Price-to-Book | 4.76 |
| Price-to-Sales (TTM) | 3.41 |
| EV/Revenue | 4.054 |
| EV/EBITDA | 13.68 |
| Quarterly Earnings Growth (YoY) | 0.70% |
| Quarterly Revenue Growth (YoY) | 10.60% |
| Shares Outstanding | $117.48M |
| Float | $116.98M |
| % Insiders | 0.65% |
| % Institutions | 108.06% |
Volatility is currently expanding
EFX's 22.7% one-year decline has improved its valuation, but limited target upside, weak momentum and lower estimates keep the setup mixed.
EFX is using AI savings, rising mortgage scoring adoption and a Mexico acquisition to support growth, but execution and momentum risks remain.
Explore how Equifax's (EFX) revenue from international markets is changing and the resulting impact on Wall Street's predictions and the stock's prospects.
Equifax remains a Hold as Q2 growth broadened beyond mortgage, with ex-FICO margin improvement, but upside appears limited at current valuation. Government contracts and the Circulo acquisition offer credible diversification, yet revenue conversion and cross-sell potential remain unproven near-term. Mortgage share gains are real, but EFX cannot drive underlying loan demand, and reported revenue growth is inflated by low-margin FICO pass-through.
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Equifax Inc. (EFX) Q2 2026 Earnings Call Transcript
Equifax delivered Q2 revenue in line with estimates but missed EPS, with guidance for Q3 and full-year 2026 below consensus expectations. EFX's margins were pressured by a $100M legal settlement accrual, while free cash flow remained solid at $326M for the last six months. Management aims to double AI-driven cost reductions to $150M over two years, targeting operational efficiency and margin improvement.
After seeing early productivity gains from its implementation of artificial intelligence and agentic-based solutions across its internal processes, Equifax doubled its forecast of the cost savings it expects to see over the next three years, according to a presentation released Tuesday (July 21) in conjunction with the company's second-quarter earnings call. Equifax CEO Mark W.
Equifax beats Q2'26 earnings estimates as USIS, mortgage and verification growth lifts revenues, while AI savings and a Mexico deal shape its outlook.
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