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Last updated 2 minutes ago

EFX·Equifax Inc.

$.
+. (+.%)
After Hours
High
$165.78
Open
$162.69
Market Cap
19.51B
52W High
$275.91
Low
$161.25
P. Close
$163.87
P/E
27.92
52W Low
$156.47
Fwd P/E
74.36
Mean Target
$223.71
Technical Score (1D)
27
SELL
News Sentiment
70
BULLISH
U.S. consumer debt reached a record $18.19 trillion in March 2026, driven by subprime borrowers opening new bank cards and increasing their balances. This trend signals a deepening "K-shaped" credit environment, marked by a greater reliance on subprime bankcards and a rise in student loan defaults. While some delinquency rates appear stable, the overall picture suggests increased financial strain for a segment of consumers. For EFX, this data is significant as it reflects the broader economic backdrop influencing credit reporting and data analytics services. The increasing complexity and potential risk within the consumer credit landscape could lead to higher demand for sophisticated risk assessment and fraud detection solutions. Investors will be watching to see how Equifax's business segments, particularly those focused on credit risk and data analytics, are positioned to capitalize on these evolving market dynamics. Furthermore, the sustained growth in consumer debt, even with potential underlying risks, could imply continued activity in lending markets, which is a key driver for credit bureaus. The company's recent strong EBIT growth and excellent profit quality, as highlighted by the Caviar Cruise screen, suggest it is well-positioned operationally to navigate these conditions. A sustainable dividend policy also indicates financial stability. Future developments to monitor include any shifts in delinquency trends and the company's strategic responses to the changing credit landscape.
Earnings Summary
Equifax is a global data and analytics firm providing critical information solutions across its Workforce Solutions, U.S. Information Solutions, and International segments, offering services from employment verification to credit information and fraud detection. Founded in 1899, Equifax operates in the Industrials sector, specifically within the Consulting Services industry. In its recent earnings reports, Equifax has shown a mixed performance against analyst estimates. For Q3 2025, EPS was $2.04, beating the estimate of $1.94, with revenue at $1.54 billion. This followed a Q2 2025 where EPS was $2.00 against an estimate of $1.92, and revenue reached $1.54 billion. The company also beat EPS estimates in Q1 2025 ($1.53 actual vs. $1.40 estimate) and Q4 2024 ($2.12 actual vs. $2.10 estimate), with revenues of $1.44 billion and $1.42 billion respectively. However, the Q1 2026 report showed a miss, with actual EPS of $1.86 against an estimate of $2.22, and revenue of $1.65 billion versus an estimate of $1.69 billion. This pattern suggests a recent deceleration in EPS performance relative to estimates. Recent news highlights significant developments, including a class action lawsuit alleging false or inaccurate credit file information and ongoing inquiries into how credit bureaus incorporate buy now, pay later data, signaling increased regulatory scrutiny. Equifax shares experienced a notable decline following a hotter-than-expected inflation report (PPI), indicating investor sensitivity to economic pressures. Despite these challenges, the company declared a quarterly dividend and shared analyst call materials. An analyst downgrade to 'Hold' cited concerns over long-term growth sustainability. Investors should watch for further developments in litigation and regulatory inquiries, the company's ability to manage costs and sustain growth, and how future guidance addresses these factors.

EPS

EstBeatMiss
$1.28$1.55$1.81$2.08$2.34Q4'24Q1'25Q2'25Q3'25Q1'26Q2'26
QtrEstActual+/−
Q2'26$2.20 - -
Q1'26$2.22$1.86-16.3%
Q3'25$1.94$2.04+5.3%
Q2'25$1.92$2.00+4.1%
Q1'25$1.40$1.53+9.0%
Q4'24$2.10$2.12+1.1%

Revenue

EstBeatMiss
$1.4B$1.5B$1.6B$1.7B$1.8BQ4'24Q1'25Q2'25Q3'25Q1'26Q2'26
QtrEstActual+/−
Q2'26$1.7B - -
Q1'26$1.7B$1.6B-2.6%
Q3'25 - $1.5B -
Q2'25 - $1.5B -
Q1'25 - $1.4B -
Q4'24 - $1.4B -
Full Earnings BreakdownEstimates, actuals, guidance, and historical context
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Market Data

EFX Stock Snapshot

EFX is currently trading at $163.84, giving Equifax Inc. a market cap of 19.51B and a P/E ratio of 27.9. Today's range spans $161.25–$165.78, with shares opening at $162.69 and moving down $0.03 (0.0%) from the prior close. DailyIQ's technical score sits at 27/100 (SELL) with a news sentiment reading of 70/100.

Over the past year EFX has traded between $156.47 and $275.91 - the current price is +4.7% off the 52-week low and -40.6% from the high. 32 analysts cover the stock with a Buy consensus and a mean 12-month target of $223.71 (range $195.00–$265.00), implying upside of +36.5%.

Earnings estimate risk is at the forefront for Equifax Inc. (EFX) - a large-cap Industrials name (19.51B market cap) showing a SELL (27/100) alongside bullish sentiment (70/100) often flags a period where consensus estimates are still catching down to what the market is already pricing in. Price: $163.84 (near 52-week lows in $156.47–$275.91). (P/E: 27.9) Active managers who track the technical-fundamental gap tend to position ahead of the revision, not after it.

The current SELL phase for EFX (27/100) at $163.84 (near 52-week lows) suggests that the market is discounting either a fundamental deterioration or a sector headwind that hasn't fully appeared in the earnings line yet. Sentiment at 70/100 (bullish) confirms that news flow is not providing a counternarrative. At 19.51B in Industrials capitalization, EFX has the liquidity for institutional exits to be orderly — but orderly doesn't mean shallow within the $156.47–$275.91 range.