Equifax Inc

Finance
Finance: Consumer Services
www.equifax.com

Earnings Score
Moat Score
Safety Score

Market Cap $32.65B
PE 58
Debt $6.25B
Cash $468.20M
EV $38.43B
FCF $783.50M

Earnings

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Sales & Net Margins

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Earnings	$562.50M
EBIT	$999.10M
ROE	11%
ROA	8%
FCF	$783.50M
Equity	$4.93B
Growth Stability	-87%
PE	58.04
PEG	7.22
PB	6.63
P/FCF	41.67
P/S	5.84
Price/Cash	0.01
Debt/Equity	1.27
Debt/FCF	7.98
Net Margins	10%
Gross Margins	56%
Op. Margins	18%
Earnings CAGR	3%
Sales Growth YoY	9%
Sales Growth QoQ	1%
Sales CAGR	9%
FCF CAGR	-1%
Equity CAGR	7%
Earnings Stability	0.12
Earnings Growth YoY	-13%
Earnings Growth QoQ	-14%
Earnings CAGR 5Y	8%

Sales CAGR 5Y	9%
FCF CAGR 5Y	-0%
Equity CAGR 5Y	14%
Earnings CAGR 3Y	3%
Sales CAGR 3Y	3%
FCF CAGR 3Y	24%
Equity CAGR 3Y	11%
Market Cap	$32.65B
Revenue	$5.59B
Dividend Yield	1%
Payout Ratio	34%
Assets	$12.34B
Total Debt	$6.25B
Cash	$468.20M
Shares Outstanding	123.59M
EV	38.43B
Earnings Score	7%
Moat Score	89%
Safety Score	46%
Final Score	47%
Working Capital	-221.3M
Current Ratio	0.88
Gross Profit	$3.10B
Shares Growth 3y	1%
Equity Growth QoQ	5%
Equity Growth YoY	14%

Assets & ROA

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Stockholders Equity & ROE

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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 a third of the firm's revenue comes from workforce solutions, which provides income verification and employer human resources services. Equifax generates over 20% of its revenue from outside the United States.

SEC Filings

Direct access to Equifax Inc (EFX) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Equifax Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Equifax Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 3%

Stability 12%

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Equifax Inc Discounted Cash Flow

Fully customizable DCF calculator online for Equifax Inc.

Years

Calculation mode

= $7.2B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$784M	$774M	$764M	$755M	$746M	$737M	$728M	$719M	$710M	$702M	$693M	$6.9B
DCF		$704M	$632M	$567M	$510M	$458M	$411M	$369M	$331M	$298M	$267M	$2.7B
Value	$7.2B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	15%	16%	16%	17%	9%	-11%	13%	15%	14%	10%	10%
ROA	-	16%	12%	12%	6%	-4%	9%	10%	9%	8%	8%
ROE	-	18%	18%	18%	10%	-15%	16%	21%	18%	12%	11%

Good Net Margins (10.09%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	2.09	5.26	6.16	7.59	-39.7	10.48	7.1	51.16	13.01	7.98
Debt over Equity	0.85	0.53	1.2	1.14	0.84	1.3	1.71	1.71	1.71	1.47	1.27
Growth Stability	-	-	-	100%	60%	-87%	100%	100%	100%	83%	-87%

Bad Debt/FCF ratio (7.98)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Neutral Debt/Equity ratio (1.27)

The company has a balance between equity and debt that is not too good nor too bad.

Bad Graham’s Stability (-87%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	9%	18%	7%	1%	3%	18%	19%	4%	3%	9%
Earnings YoY growth	-	17%	14%	20%	-49%	-233%	-230%	43%	-6%	-22%	8%
Equity YoY growth	-	5%	16%	19%	-3%	-17%	22%	12%	10%	15%	14%
FCF YoY growth	-	12%	4%	-4%	-41%	-124%	-712%	65%	-85%	289%	-0%