Across 9 scored articles from Oct 16 to Nov 14, 2026 (UTC),
the average sentiment of Equifax news is Somewhat Bullish (+40)
on a scale from −100 to +100.
That is up 21 points from the previous 30 days (+19).
📈 EFX shares rallied 13% in six months, outperforming industry and S&P 500.
💰 Q3 2026 revenues grew 10% year over year across key operations.
Bullish +75
EFX Stock Rallies 13% in 6 Months: Here's What You Should Know
AI-generated analysis
Key insights
📈 EFX shares rallied 13% in six months, outperforming the industry's 14.1% return and the S&P 500 Composite.
💰 Q3 2026 revenues grew 10% year over year, supported by strong demand in Workforce Solutions, USIS, and International operations.
🤖 The company raised its net cost-savings objective to $150 million, utilizing AI to drive operational efficiency.
📊 Adjusted EBITDA margins expanded 130 basis points year over year in Q3 2026 due to prudent cost management and AI gains.
🏛️ Equifax signed government agreements worth over $550 million annually in the first nine months of 2026, including $150M in new business.
🚀 Talent Solutions revenue surged more than 20% year over year in Q3 2026 with record growth in Consumer Lending.
🔭 Management raised its 2026 margin expansion outlook to 100 basis points from the previous 75 bps forecast.
📉 EFX currently holds a Zacks Rank #3 (Hold) rating according to Zacks Investment Research.
📈 Bullish signals
📈Equifax shares rallied 13% over six months, significantly outperforming the industry average and the S&P 500 Composite.
💰Q3 2026 revenues increased 10% year over year, driven by robust demand across Workforce Solutions, USIS, and International segments.
🤖The company raised its multi-year net cost-savings objective to $150 million in July 2026, highlighting successful AI utilization for profitability.
📊Adjusted EBITDA margins expanded 130 basis points year over year in Q3 2026, excluding FICO mortgage royalty revenues.
🔭Management increased the 2026 margin expansion outlook to 100 bps from 75 bps, demonstrating enhanced profitability despite market weakness.
🏛️The company secured government agreements exceeding $550 million in annual value during the first nine months of 2026.
🚀Talent Solutions revenue grew over 20% year over year in Q3 2026, supported by expanding employment verification records.
Article
Equifax (EFX) shares have rallied 13% over the past six months, outperforming both the industry average and the S&P 500. The company demonstrated resilience against a challenging mortgage market, posting a 10% year-over-year revenue increase in the third quarter of 2026. This growth was driven by robust demand across its Workforce Solutions, U.S. Information Solutions (USIS), and International operations segments.
Equifax is leveraging artificial intelligence to drive significant operational efficiency and profitability improvements. The company raised its multi-year net cost-savings objective to $150 million from the previous $75 million in July 2026. Consequently, adjusted EBITDA margins expanded by 130 basis points year over year in Q3 2026, excluding FICO mortgage royalty revenues, reflecting successful AI deployment across technology and administrative functions.
Beyond its core mortgage business, Equifax is expanding into high-growth areas like government contracts and consumer lending. In the first nine months of 2026, the company secured government agreements exceeding $550 million in annual value, including nearly $150 million in new business. Additionally, Talent Solutions revenue grew over 20% year-over-year in Q3 2026, while Consumer Lending reached record highs, solidifying diversification prospects.
Sector and industry come from company profile data. Sentiment is the AI score of the news articles on this page, averaged per day. Not investment advice.
AI integrationCompany updateNew contractAI-generated analysis
Equifax (EFX) shares have rallied 13% over the past six months, outperforming both the industry average and the S&P 500. The company demonstrated resilience against a challenging mortgage market, posting a 10% year-over-year revenue increase in the third quarter of 2026. This growth was driven by robust demand across its Workforce Solutions, U.S. Information Solutions (USIS), and International operations segments.
Equifax is leveraging artificial intelligence to drive significant operational efficiency and profitability improvements. The company raised its multi-year net cost-savings objective to $150 million from the previous $75 million in July 2026. Consequently, adjusted EBITDA margins expanded by 130 basis points year over year in Q3 2026, excluding FICO mortgage royalty revenues, reflecting successful AI deployment across technology and administrative functions.
Beyond its core mortgage business, Equifax is expanding into high-growth areas like government contracts and consumer lending. In the first nine months of 2026, the company secured government agreements exceeding $550 million in annual value, including nearly $150 million in new business. Additionally, Talent Solutions revenue grew over 20% year-over-year in Q3 2026, while Consumer Lending reached record highs, solidifying diversification prospects.
📈 EFX shares rallied 13% in six months, outperforming industry and S&P 500.
💰 Q3 2026 revenues grew 10% year over year across key operations.
🤖 Company raised net cost-savings objective to $150 million using AI.
Equifax is reinforcing its leadership in Explainable AI (EFX.AI) within highly regulated financial environments, emphasizing the critical need for transparent decision-making to safeguard consumer interests. The company leverages proprietary data and advanced machine learning algorithms to provide lenders with logical, actionable reason codes that build trust and ensure regulatory compliance.
Backed by a multi-year investment of approximately $3 billion in the Equifax Cloud™, Equifax continues to accelerate its AI capabilities. As of early 2026, over 80% of new analytical products developed by the company utilize EFX.AI technology, supported by a portfolio of more than 470 unique patents designed to enhance model performance and product delivery.
The company's OneScore family of credit scoring models exemplifies this approach by integrating alternative data—such as on-time utility and cell phone payments—with traditional credit files. This strategy aims to create a holistic view of consumers, particularly the estimated 76 million U.S. adults who lack a robust traditional credit history, thereby expanding access to financial services.
🏛️ Equifax leads in Explainable AI for regulatory compliance and consumer trust.
💰 Company executing ~$3 billion investment to scale proprietary AI infrastructure.
📊 Over 80% of new analytical products launched in 2026 use EFX.AI.
🔍 OneScore models analyze alternative data for 76 million U.S. adults with thin files.
🏛️ Equifax maintains industry leadership in Explainable AI (EFX.AI), providing transparent decision-making processes crucial for regulatory compliance and consumer trust.
💰 The company is executing a multi-year, ~$3 billion investment in the Equifax Cloud™ to scale its proprietary AI infrastructure and data capabilities.
📊 Over 80% of new Equifax analytical products launched so far in 2026 leverage the EFX.AI technology stack.
🛡️ Equifax holds 470+ unique patents supporting its AI approach, reinforcing its technological moat in credit scoring and risk assessment.
🔍 The OneScore family of models combines traditional credit data with alternative data sources to generate predictive, holistic consumer financial profiles.
👥 Equifax's technology targets the 76 million U.S. adults with thin or no traditional credit files by analyzing everyday habits like utility and telecom payments.
🤝 Lenders utilize EFX.AI-powered solutions to responsibly expand credit access while maintaining strict transparency regarding AI-driven decisions.
Bullish Signals
Securing ~$3B investment for AI infrastructure scaling.
80%+ of new products leverage EFX.AI stack.
Holds 470+ patents reinforcing AI leadership.
OneScore models integrate alternative data effectively.
Bullish Signals
Equifax is securing a multi-year, ~$3 billion investment in the Equifax Cloud™ to scale its proprietary AI infrastructure and data capabilities.
Over 80% of new Equifax analytical products launched so far in 2026 leverage the EFX.AI technology stack, indicating strong internal adoption.
The company holds 470+ unique patents supporting its AI approach, reinforcing its technological moat and leadership in explainable AI.
Equifax's OneScore models successfully integrate alternative data with traditional credit files to create predictive, holistic consumer financial profiles.
AI integrationAcquisitionAnalyst upgradeAI-generated analysis
Equifax (EFX) stock fair value estimates have been updated to US$200.35 per share, rising from US$195.10, reflecting a mix of analyst confidence in recent execution and caution regarding specific sector risks. This adjustment aligns with price targets clustering in the high teens to low US$200s, driven by resilient Q3 revenue, margin performance, and AI-driven cost savings highlighted by major firms like Needham, Deutsche Bank, and Goldman Sachs.
Analysts remain divided on Equifax's outlook, with upgrades from Argus and BNP Paribas citing an improving growth path post-data breach and a new consumer credit scoring model gaining market share. Conversely, Oppenheimer and RBC have adopted a more cautious stance due to meaningful mortgage exposure, weakening mortgage fundamentals, and potential regulatory shifts from tri-merge to bi-merge data reporting.
Key value drivers for Equifax include its US$3 billion cloud transformation, AI programs, and diversified end markets supported by government contracts and international deals like the pending Círculo de Crédito acquisition. However, significant headwinds persist, including ongoing litigation costs, softer trends in government verification revenue, and broader sector concerns regarding higher interest rates and political commentary affecting credit bureaus.
📈 Fair value estimate rises to US$200.35 following constructive analyst commentary.
💰 Major firms praise solid Q3 execution with resilient revenue and margins.
🤖 AI-driven cost savings and cloud transformation support higher earnings capacity.
⚠️ Oppenheimer and RBC warn of mortgage exposure risks and weakening fundamentals.
⚖️ Regulatory risk exists regarding potential shift from tri-merge to bi-merge data.
📈 Equifax fair value estimate increases to US$200.35 per share from US$195.10 following mixed but largely constructive analyst commentary.
💰 Major firms including Needham, Deutsche Bank, and Goldman Sachs highlight solid Q3 execution with resilient revenue and margin performance.
🤖 AI-driven cost savings and cloud transformation initiatives are expected to support higher margins and earnings capacity for Equifax.
📈 Argus upgrades Equifax citing an improving growth path after the data breach and a new consumer credit scoring model gaining share.
🎯 BNP Paribas sets a US$245 price target reflecting confidence in Equifax's longer-term opportunity set.
🏛️ Government contracts, growing verification revenue, and international deals like Círculo de Crédito shape Equifax's long-term business mix.
⚠️ Oppenheimer and RBC turn cautious citing meaningful mortgage exposure and weakening mortgage fundamentals as key risks.
⚖️ Regulatory risk exists regarding a potential shift from tri-merge to bi-merge data reporting flagged by multiple firms.
📉 Barclays, BMO Capital, and TD Cowen note softer sentiment on credit bureaus due to higher rates and consumer lending pressure.
⚡ Ongoing litigation costs and softer government verification trends remain key pressure points for Equifax's revenue and margins.
Bullish Signals
Major analysts highlight solid Q3 execution with resilient revenue and margin performance.
Risk Factors
Mortgage exposure risks cited by Oppenheimer and RBC.
Regulatory shift to bi-merge threatens earnings potential.
Higher rates and lending pressure weigh on credit bureaus.
FHFA headlines reduce risk-reward trade-off for stock.
Major analysts including Needham, Deutsche Bank, BofA, Wells Fargo, Mizuho, and Goldman Sachs highlight solid Q3 execution with resilient revenue and margin performance.
Argus upgrades Equifax pointing to an improving growth path after the data breach and a new consumer credit scoring model gaining market share.
BNP Paribas sets a US$245 price target reflecting confidence in the company's longer-term opportunity set.
Rothschild & Co Redburn and Needham point to cloud and AI-driven productivity and bundled solutions like The Work Number as key supports for growth.
The pending Círculo de Crédito acquisition is highlighted as a key support for Equifax's growth story alongside diversified end markets.
Equifax is utilizing its US$3 billion cloud transformation and AI programs to support higher margins and earnings capacity.
Risk Factors
Oppenheimer and RBC have turned more cautious citing Equifax's meaningful mortgage exposure and weakening mortgage fundamentals.
Multiple firms flag the potential shift from tri-merge to bi-merge as a regulatory risk for Equifax's earnings.
Barclays, BMO Capital, and TD Cowen highlight softer sentiment on credit bureaus generally due to higher rates and consumer lending pressure.
Headline risk from FHFA and political commentary is weighing on the risk or reward trade-off for Equifax's stock.
Ongoing litigation costs are flagged as a key pressure point that could impact Equifax's financial performance.
Equifax (NYSE: EFX) EVP John Gamble, Jr. sold 4,000 shares of company stock on October 29th for a total transaction value of $710,720.00 at an average price of $177.68 per share. Executed under a pre-arranged Rule 10b5-1 trading plan, the sale reduced his direct ownership by 5.78%, leaving him with 65,145 shares valued at approximately $11.57 million following the transaction.
The company recently reported quarterly earnings on October 20th, beating consensus estimates with EPS of $2.26 versus expectations of $2.20. Revenue for the quarter reached $1.69 billion, matching analyst predictions and representing a 9.6% year-over-year increase. Equifax also declared a quarterly dividend of $0.56 per share, paid on September 15th to investors of record as of August 31st.
Analyst sentiment remains mixed but generally positive regarding the stock's valuation. Deutsche Bank reissued a 'buy' rating with a $201 price target on October 21st, while Loop Capital set a lower objective at $169. Institutional investors continue to hold significant stakes, with hedge funds and other institutions owning 96.20% of the company's outstanding shares.
📉 EVP John Gamble sold 4,000 shares for $710,720 on Oct 29.
💰 EVP retains 65,145 shares worth ~$11.57 million after sale.
📈 Q3 EPS of $2.26 beat consensus by $0.06.
💵 Revenue hit $1.69 billion, up 9.6% year-over-year.
🏦 Institutional investors own 96.20% of outstanding shares.
📉 Equifax EVP John Gamble, Jr. sold 4,000 shares for $710,720 on October 29th under a pre-arranged Rule 10b5-1 trading plan.
💰 The executive vice president retains 65,145 shares worth approximately $11.57 million after the sale.
📈 Equifax reported Q3 earnings of $2.26 EPS, beating the consensus estimate of $2.20 by $0.06.
💵 Revenue for the quarter was $1.69 billion, matching analyst expectations and growing 9.6% year-over-year.
📉 Deutsche Bank reissued a 'buy' rating with a $201 price target on October 21st.
📉 Loop Capital set a lower price objective of $169 in a report dated October 20th.
💰 The company declared a quarterly dividend of $0.56 per share, yielding 1.2% annually.
🏦 Institutional investors own 96.20% of Equifax's outstanding shares as of the latest filings.
Bullish Signals
EPS beat at $2.26 vs $2.20 consensus.
Risk Factors
Loop Capital lowered price target to $169, below current price.
Robert W. Baird cut target to $232 due to valuation.
Bullish Signals
Equifax beat Q3 earnings expectations with EPS of $2.26 versus a consensus of $2.20.
Equifax UK&I has appointed Adam Bassett as its new Banking Director to lead the commercial growth and strategic alignment of its banking practice. This leadership move is designed to help financial institutions unlock greater value from data, analytics, and cloud technology solutions provided by Equifax.
With over 20 years of experience in financial services, Adam Bassett brings a strong track record in advising institutional banks on risk management, commercial strategy, and digital transformation. His appointment reinforces Equifax's commitment to leveraging predictive intelligence to assist lenders in achieving sustainable growth while ensuring fairer outcomes for consumers.
Based in London and reporting to Chief Commercial Officer Ryan Peacey, Bassett will capitalize on Equifax's extensive investments in cloud infrastructure, security, and data architecture. The company aims to expand its advisory and technology footprint across the banking sector by combining internal bank views with Equifax's market-wide insights to drive confident decision-making.
David Bernard, CEO of Equifax UK&I, stated that Bassett's deep sector expertise will enhance the company's banking proposition as banks adapt to changing markets. The new director is expected to strengthen client relationships and support the delivery of strategic insights and cloud innovation needed by financial institutions to serve their own clients effectively.
👤 Equifax appoints Adam Bassett as Banking Director with 20+ years experience.
☁️ Role leverages Equifax's cloud infrastructure investments for banking sector clients.
📍 New London-based director reports to CCO Ryan Peacey to drive growth.
💡 Strategy combines internal bank views with Equifax market-wide insights.
📈 Equifax UK&I appoints Adam Bassett as Banking Director to steer commercial growth and strategic alignment within its banking practice.
👤 Adam Bassett brings over 20 years of experience advising institutional banks on risk, strategy, and digital transformation.
☁️ The appointment builds on Equifax's extensive investments in cloud infrastructure, security, and data architecture for the banking sector.
🤝 David Bernard, CEO of Equifax UK&I, notes that Bassett will strengthen relationships with banking clients to deliver strategic insights.
💡 Adam Bassett aims to combine internal bank views with Equifax market-wide insights to help financial institutions make stronger decisions.
📍 The new Banking Director will be based in London and report directly to Chief Commercial Officer Ryan Peacey.
Bullish Signals
Appoints Adam Bassett with 20+ years banking experience.
Expands advisory footprint via cloud infrastructure investments.
Enhances banking proposition for adapting institutions.
Bullish Signals
Equifax UK&I strengthens its banking practice leadership by appointing Adam Bassett, a veteran with over 20 years of experience advising institutional banks on digital transformation and risk.
The appointment reinforces Equifax's strategic commitment to expanding its advisory and technology footprint across the banking sector following significant investments in cloud infrastructure and data architecture.
David Bernard, CEO of Equifax UK&I, highlights that Bassett's expertise will enhance the company's banking proposition as financial institutions adapt to changing market conditions.
Equifax CEO Mark Begor sold 37,792 shares of company stock on October 23rd for a total value of $6.9 million under a pre-arranged Rule 10b5-1 trading plan. Following the transaction, the CEO retains direct ownership of approximately 289,922 shares, representing an 11.53% decrease in his personal stake. The sale was executed at an average price of $182.80 per share.
The company recently reported quarterly earnings on October 20th, beating analyst consensus estimates with earnings per share of $2.26 compared to the expected $2.20. Revenue for the quarter reached $1.69 billion, matching expectations and marking a 9.6% year-over-year increase from the previous year's figure of $1.54 billion.
Equifax maintains a quarterly dividend paid on September 15th with an annualized yield of 1.3%. Institutional ownership remains high at 96.20%, with recent activity including new positions from Compass Wealth Management, Clearstead Trust, and Oslo Pensjonsforsikring. Analyst sentiment is mixed, with Deutsche Bank maintaining a buy rating while Barclays recently cut its target price to $155.
📉 CEO Mark Begor sold 37,792 shares for $6.9 million via Rule 10b5-1 plan.
💰 Earnings beat estimates at $2.26 per share versus $2.20 consensus.
📈 Revenue grew 9.6% year-over-year to reach $1.69 billion total.
💵 Quarterly dividend offers 1.3% annualized yield with August 31st ex-date.
🏦 Institutional ownership is 96.20% with Compass Wealth Management adding stakes.
📉 CEO Mark Begor sold 37,792 shares for $6.9 million under a pre-arranged Rule 10b5-1 trading plan on October 23rd.
💰 Equifax reported quarterly earnings of $2.26 per share, beating analyst estimates of $2.20 by $0.06.
📈 Revenue reached $1.69 billion for the quarter, representing a 9.6% year-over-year increase.
💵 The company pays a quarterly dividend with an annualized yield of 1.3% and an ex-dividend date of August 31st.
🏦 Institutional ownership stands at 96.20%, with several firms like Compass Wealth Management adding new stakes recently.
📊 Analyst ratings are mixed, with Deutsche Bank maintaining a buy rating while Barclays lowered its price target to $155.
Bullish Signals
EPS beat at $2.26 vs $2.20 estimate.
Risk Factors
Barclays cut price target to $155 and downgraded to equal weight.
Citigroup lowered price objective to $220 while maintaining buy rating.
Bullish Signals
Equifax beat quarterly earnings expectations with EPS of $2.26 versus the consensus estimate of $2.20.
The company achieved revenue growth of 9.6% year-over-year, reaching $1.69 billion for the quarter.
Deutsche Bank reaffirmed a buy rating and set a price objective of $201 on Equifax shares.
Risk Factors
Barclays cut its price target on Equifax from $200 to $155 and downgraded the rating to equal weight.
Citigroup lowered its price objective from $238 to $220, though it maintained a buy rating.
Equifax (NYSE: EFX) shares fell approximately 2.7% following a downgrade by RBC Capital analyst Ashish Sabadra, who moved the rating from Outperform to Sector Perform and raised the price target to $189. The analyst cited improved valuation after recent gains as well as three specific operating headwinds: persistent weakness in the mortgage market due to higher interest rates, potential softening in consumer lending, and regulatory risks associated with a potential shift from tri-merge to bi-merge credit reporting.
Equifax's own outlook indicates that U.S. mortgage credit inquiries could decline by more than 20% in the fourth quarter of 2026 and by a high-single-digit rate in fiscal 2027, with significant pressure expected in the first eight months of the year. RBC models a mid-teens percentage decline for the first half of 2027, noting that since mortgage revenue excluding FICO royalties carries high incremental margins, fewer inquiries will directly weigh on profitability.
The analyst highlighted that a shift to bi-merge reporting could cost Equifax approximately $80 million in annual revenue. RBC's fiscal 2027 earnings estimate of $9.00 per share sits below the roughly $9.66 consensus, and the new $189 price target implies a valuation of 21 times that estimate. Despite the initial drop, shares recovered slightly to close at $178.03, down 2.4% from the previous session.
Equifax recently reported a third quarter where adjusted earnings of $2.26 per share beat the consensus of $2.20, and revenue rose 9.6% to $1.69 billion. However, mortgage-volume weakness and a fourth-quarter outlook below Street expectations remain primary concerns for investors. The stock has been volatile recently, having experienced 14 moves greater than 5% over the last year, and is currently trading 22.3% below its 52-week high.
📉 RBC downgrades Equifax to Sector Perform while raising price target to $189.
🏠 Elevated rates drive mortgage inquiry volumes down over 20% by Q4 2026.
⚖️ Regulatory shift to bi-merge format risks costing Equifax $80 million annually.
📉 RBC forecasts mid-teens mortgage volume decline weighing on Equifax profits in 2027.
🚀 Equifax beat Q3 earnings with $2.26/share and raised dividend by double-digits.
📉 Equifax shares fell 2.7% after RBC Capital analyst Ashish Sabadra downgraded the stock from Outperform to Sector Perform.
💰 Analyst Ashish Sabadra raised the price target to $189, citing that the recent rally has balanced risk and reward for the credit reporting giant.
🏠 Equifax faces persistent weakness in the mortgage market as interest rates remain elevated, impacting inquiry volumes.
⚖️ There is a regulatory risk if mortgage credit reports shift from a tri-merge to a bi-merge format.
📉 Equifax's own outlook implies U.S. mortgage credit inquiries will drop more than 20% in Q4 2026 and by a high-single-digit rate in fiscal 2027.
💸 RBC models a mid-teens decline in mortgage volume for the first half of 2027, which will weigh on profit due to high incremental margins.
📉 A potential shift to bi-merge reporting could cost Equifax approximately $80 million in annual revenue.
📊 RBC's fiscal 2027 earnings estimate of $9.00 is below the roughly $9.66 market consensus.
🚀 Equifax reported Q3 adjusted earnings of $2.26 per share, beating the $2.20 consensus and raising revenue to $1.69 billion.
📈 Argus analyst John Eade previously upgraded Equifax to Buy, citing a new consumer credit-scoring model gaining market share.
💹 Equifax recently announced a double-digit dividend increase, signaling management confidence in the cash-flow outlook.
📉 The stock is currently trading 22.3% below its 52-week high of $229.02 set in October 2025.
Equifax (EFX) reported total revenue of $1.69 billion for the quarter ending September 2026, representing a 9.6% year-over-year increase. The company's international operations contributed significantly to this growth, with specific regional breakdowns showing mixed performance against Wall Street consensus estimates.
International revenue highlights included a surprise miss in Canada ($72.2 million vs $72.8M expected) and Europe ($105.5 million vs $105.99M expected), which collectively accounted for roughly 10.5% of total revenue. Conversely, the Asia Pacific region delivered a strong beat with $107.7 million in revenue, exceeding analyst projections by 8.25%, while Latin America also posted a positive surprise of 4.15%.
Analysts project Equifax to generate $1.62 billion in revenue for the ongoing fiscal quarter and $6.68 billion for the full year, reflecting continued growth expectations. The stock has outperformed its sector and the broader market recently, gaining 23.1% over the past month compared to a decline in the S&P 500 composite.
📈 Q3 revenue hit $1.69B, up 9.6% year over year.
🌏 Asia Pacific beat estimates by 8.25% at $107.7M.
📊 Stock surged 23.1% monthly, outperforming the S&P 500.
📅 Full-year revenue forecast stands at $6.68B (+10%).
Equifax reported Q3 2026 results where revenue of $1.69 billion matched Wall Street expectations, representing a 9.6% year-over-year increase. However, the company missed analyst estimates for its Q4 2026 revenue guidance, projecting $1.62 billion compared to the expected $1.68 billion. Despite the guidance miss, Equifax's non-GAAP profit per share reached $2.26, beating consensus estimates by 2.8%.
The company maintained its full-year adjusted EPS guidance at $8.50 and achieved an operating margin of 21%, up from 17.1% in the prior year. Long-term data shows Equifax has grown revenue at a 6.6% compounded annual rate over the last five years, with more recent two-year growth accelerating to 8.6%. Key segments include Workforce Solutions and U.S. Information Solutions.
Equifax holds detailed financial records for over 800 million consumers worldwide, dating back to 1899, serving lenders, employers, and other businesses globally. While the stock price rose 2.2% immediately following the earnings release, management's softer outlook for the next quarter suggests a mixed performance. Analysts expect full-year EPS to grow 10.4% over the next 12 months.
Wall Street analysts project Equifax (EFX) to report quarterly earnings of $2.20 per share, representing a 7.8% year-over-year increase, with revenues estimated at $1.69 billion, up 9.6% from the prior-year quarter. However, consensus EPS estimates have seen a downward revision of 0.4% over the last 30 days, reflecting analysts' collective reconsideration of initial forecasts.
Detailed analyst projections indicate strong growth across specific business segments. Operating revenue for Workforce Solutions is expected to reach $703.66 million (+8.4%), while U.S. Information Solutions- Online Information Solutions is forecast at $535.08 million (+14.5%). International operations also show positive momentum, with Asia Pacific revenue projected to rise 10.4% and Latin America up 7.3%.
Despite the detailed segment growth projections, Equifax shares have underperformed the broader market recently, dropping 8.2% over the past month compared to the S&P 500's gain of 1.4%. The stock currently carries a Zacks Rank #4 (Sell), suggesting analysts expect it to lag overall market performance in the near future despite the positive revenue outlook.
📈 Analysts forecast Equifax quarterly earnings at $2.20, up 7.8%.
💰 Revenue expected to reach $1.69 billion, a 9.6% rise.
📉 Consensus EPS estimates revised downward by 0.4% recently.
🚀 Workforce Solutions revenue projected at $703.66 million, up 8.4%.
📉 Shares declined 8.2% this month with a Zacks Rank #4.
📈 Analysts project Equifax quarterly earnings at $2.20 per share, marking a 7.8% year-over-year increase.
💰 Revenue is forecast to reach $1.69 billion, representing a 9.6% growth from the same quarter last year.
📉 Consensus EPS estimates have been revised downward by 0.4% over the past 30 days.
🚀 Workforce Solutions operating revenue is expected to hit $703.66 million, up 8.4% from the prior-year quarter.
🌐 U.S. Information Solutions- Online Information Solutions revenue is projected at $535.08 million, a 14.5% increase.
📊 Asia Pacific operating revenue is forecast to reach $99.49 million, showing a 10.4% year-over-year change.
📉 Equifax shares have declined 8.2% over the past month, underperforming the S&P 500 composite's 1.4% gain.
⚠️ The stock currently holds a Zacks Rank #4 (Sell), indicating expectations of lagging market performance.
Bullish Signals
Analysts project quarterly earnings of $2.20/share, up 7.8%.
Revenue forecast reaches $1.69 billion, a 9.6% growth.
Workforce Solutions revenue estimated at $703.66 million, up 8.4%.
U.S. Information Solutions revenue projected at $535.08 million, up 14.5%.
Asia Pacific operating revenue expected to grow 10.4% to $99.49M.
Risk Factors
Consensus EPS estimates revised down 0.4% in last 30 days.
Shares declined 8.2% over past month, underperforming S&P 500.
Equifax (EFX) stock has faced significant pressure over the past five years, declining by 43.2% despite the company's strategic push into mortgage credit scoring and verification services. The current share price of US$149.08 is being scrutinized to determine if it remains sensible relative to the earnings supporting the business, particularly as the market weighs the durability of these earnings against the company's valuation multiple.
Analysts and investors are closely monitoring Equifax's initiatives to accelerate the adoption of VantageScore 4.0 and roll out Mortgage Ultimate, which aim to reshape how the company converts its data assets into profit. These strategic moves are central to the debate regarding whether Equifax's current P/E ratio of 25.3x is appropriately supported by the quality and durability of its earnings streams compared to peers.
Simply Wall St analysis suggests that for Equifax's shares to be materially more valuable, the company must successfully transform its growing Work Number record base and government contracts into durable, less cyclical revenue. The current valuation implies the market is neither overly optimistic nor aggressively pessimistic about these initiatives, leaving shareholders to assess if the earnings power justifies paying a multiple slightly below the peer group average of 27.9x.
A top community narrative currently rates Equifax as 28% undervalued, contingent on the company turning its specific growth drivers into stable analytics revenue. This perspective highlights that while price and current earnings define Equifax's present state, professional coverage focuses on future conditions required for significant re-rating, noting that the analysis relies on historical data and forecasts rather than recent price-sensitive announcements.
📉 Equifax stock dropped 43.2% over five years despite strategic expansions.
💰 EFX trades at 25.3x P/E, below the 27.9x peer group average.
🚀 Company accelerates VantageScore 4.0 and Mortgage Ultimate rollout.
📊 Community rates EFX as 28% undervalued pending Work Number conversion.
🏛️ Leveraging government contracts to build a less cyclical business model.
📉 Equifax stock has declined by 43.2% over the past five years despite strategic expansions into mortgage credit scoring and verification services.
💰 The company currently trades at a P/E ratio of 25.3x, which is slightly below the peer group average of 27.9x for Professional Services stocks.
🚀 Equifax is accelerating the adoption of VantageScore 4.0 and rolling out Mortgage Ultimate to reshape data asset monetization.
📊 A top community narrative rates Equifax as 28% undervalued, contingent on converting its Work Number base into durable revenue.
🏛️ The company is leveraging its growing government contracts and mortgage traction to build a less cyclical verification business model.
🤔 Investors are debating whether the current earnings quality justifies the valuation multiple given recent share price underperformance.
Bullish Signals
Trades at 25.3x P/E, below peer average of 27.9x.
Rated 28% undervalued with strong data asset potential.
Risk Factors
Share price declined 43.2% over past five years.
Earnings quality uncertain amid strategic shifts.
Bullish Signals
Equifax trades at a P/E of 25.3x, which is slightly below the peer group average of 27.9x, suggesting the market may not be aggressively marking down the company.
A top community narrative currently rates Equifax as 28% undervalued based on its potential to transform data assets into durable revenue streams.
Risk Factors
Equifax has experienced a significant share price decline of 43.2% over the past five years, raising questions about current valuation support.
The company faces uncertainty regarding whether its earnings quality and durability can justify the current multiple amidst strategic shifts in mortgage scoring.
Goldman Sachs has lowered its price target for Equifax Inc. (EFX) from USD 171.00 to USD 148.00, maintaining a Neutral rating. This adjustment reflects a broader market reset in expectations ahead of the company's next earnings release, with Barclays also reducing its target significantly while retaining an Equal Weight rating.
Equifax reported strong second-quarter financial results for the period ended June 30, 2026, posting revenue of USD 1.70 billion, which represents a 10.60% increase year-over-year. The company beat analyst consensus estimates with adjusted earnings per share reaching USD 2.25 compared to the expected USD 2.20.
Despite the positive operational performance and a slight daily stock gain of 0.16% to EUR 127.23, the simultaneous downgrades from major analysts suggest caution regarding the company's forward valuation setup. The stock is currently trading near the lower end of its recent 52-week range, highlighting the divergence between short-term earnings beats and long-term analyst sentiment.
📉 Goldman Sachs cut EFX price target to USD 148.00 with Neutral rating.
Equifax Inc. reported strong second-quarter financial results for 2026, with revenue reaching USD 1.70 billion, representing a 10.60 percent year-over-year increase. Adjusted earnings per share came in at USD 2.25, beating the consensus estimate of USD 2.20 by a margin of 2.3 percent. The company's stock traded at EUR 124.90 on October 5, 2026, reflecting a slight gain against the prior close.
Despite the positive operating performance, major investment banks have lowered their price targets for Equifax stock following the earnings release. BMO Capital Markets reduced its target from USD 179.00 to USD 160.00 while maintaining a Market Perform rating, citing a broader reassessment of credit-bureau expectations. Similarly, Goldman Sachs analyst George Tong cut his target to USD 171.00 from USD 199.00, keeping a Neutral rating.
Management highlighted that U.S. mortgage conditions were weaker than expected during the earnings call, which likely influenced the downgrades. Looking ahead, Equifax provided third-quarter guidance expecting revenue between USD 1.68 billion and USD 1.71 billion, with adjusted earnings per share projected in the range of USD 2.15 to USD 2.25. The company's future performance will depend on its ability to navigate mortgage demand challenges while leveraging its diversified markets businesses.
Equifax maintains a market capitalization of approximately USD 16.4 billion and trades within a 52-week range of USD 137.01 to USD 244.37. The divergence between the company's solid quarterly beat and the analyst downgrades suggests investors are weighing current operational success against potential headwinds in the mortgage sector and broader credit-bureau outlook.
⚠️ Equifax Q2 revenue rose 10.6% to $1.70B, beating estimates.
Equifax Inc. delivered robust second-quarter revenue growth of 10.60 percent year over year, reaching USD 1.70 billion.
The company beat analyst expectations for adjusted earnings per share, reporting USD 2.25 versus a consensus of USD 2.20.
Management highlighted that the business is diversified across multiple markets, providing resilience against sector-specific volatility.
Risk Factors
Major analysts including BMO Capital Markets and Goldman Sachs lowered their price targets following the earnings release due to a reassessment of credit-bureau expectations.
Equifax management explicitly stated that U.S. mortgage conditions were weaker than expected, posing a potential headwind for future growth.
The divergence between strong quarterly results and analyst downgrades suggests market concerns regarding the sustainability of current performance amidst mortgage sector pressure.
Equifax Inc. reported second-quarter 2026 results that exceeded market expectations, with earnings per share (EPS) reaching $2.25 against a consensus estimate of $2.20. The company's revenue for the quarter totaled $1.70 billion, representing a 10.6% year-over-year increase compared to Q2 2025. These figures were released on September 22, 2026, driving the stock price up 0.94% to close at $160.11 on the NYSE.
The earnings beat was primarily driven by EPS performance rather than revenue surprises, as the top-line growth matched analyst consensus exactly. Comparatively, the Q2 2026 EPS of $2.25 marked a significant improvement over the $2.00 reported in the same quarter of the prior year. This financial strength positions Equifax favorably ahead of its next scheduled reporting date on October 20, 2026.
Looking forward, Equifax has provided guidance for Q3 2026 EPS between $2.15 and $2.25, with a full-year 2026 EPS target range of $8.39 to $8.69. The annual midpoint stands at $8.54, setting clear benchmarks for the upcoming October report where hitting the top end would require Q3 EPS of $2.25. Analysts maintain a Moderate Buy rating with an average price target of $214.53, suggesting potential upside from current levels.
📈 Equifax Q2 EPS beat estimates at $2.25, driving stock up 0.94%.
💰 Revenue hit $1.7B with 10.6% year-over-year growth in Q2 2026.
📊 Earnings rose $0.25 sequentially to $2.25 compared to last quarter.
🎯 Company guides Q3 EPS between $2.15 and $2.25 for full year.
👥 Analysts rate Equifax Moderate Buy with average price target of $214.53.
📈 Equifax stock closed at $160.11 on September 22, 2026, gaining 0.94% following a Q2 EPS beat of $2.25 versus the $2.20 consensus estimate.
💰 The company generated $1.70 billion in Q2 2026 revenue, matching analyst expectations while growing 10.6% year-over-year compared to Q2 2025.
📊 Q2 2026 earnings of $2.25 represent a $0.25 increase over the $2.00 reported in Q2 2025, highlighting strong sequential performance.
🎯 Equifax set Q3 2026 EPS guidance between $2.15 and $2.25 with a full-year 2026 target range of $8.39 to $8.69.
📉 The stock trades at $160.11, which is $9.37 above its 52-week low of $150.74 but still significantly below the yearly high of $258.42.
👥 MarketBeat lists a consensus rating of Moderate Buy with an average price target of $214.53 based on 21 analysts.
Bullish Signals
EPS beat estimates by $0.05 at $2.25/share.
Revenue grew 10.6% YoY to $1.70 billion in Q2.
EPS rose $0.25 from prior year's $2.00.
Bullish Signals
Equifax beat Q2 EPS expectations by $0.05, reporting $2.25 per share against the $2.20 consensus estimate.
Revenue grew 10.6% year-over-year to reach $1.70 billion in Q2 2026, demonstrating solid top-line expansion.
Earnings per share increased by $0.25 compared to the prior year's Q2 2025 results of $2.00.
Equifax Inc. stock closed at USD 243.80 on the New York Stock Exchange on September 21, 2026, marking a gain of 1.6 percent from the prior session. The quarterly update for the second quarter of 2026 revealed revenue of USD 1.70 billion, which represented a 10.6 percent increase compared to the same period in 2025 and matched analyst consensus expectations.
Financial performance metrics showed that Equifax beat earnings per share (EPS) estimates by USD 0.05, reporting actual EPS of USD 2.25 against a consensus of USD 2.20. The company reported a net margin of 10.73 percent and a return on equity of 21.61 percent for the quarter, indicating solid profitability despite the revenue being in line with forecasts rather than exceeding them.
Looking ahead, Equifax provided guidance for the third quarter of 2026 with an EPS range between USD 2.15 and USD 2.25, and a full-year 2026 EPS forecast between USD 8.39 and USD 8.69. The midpoint of the full-year guidance aligns closely with the analyst consensus of USD 8.55, suggesting management expects performance to remain broadly in line with market expectations for the remainder of the fiscal year.
Trading activity on September 21 saw a volume of 1.25 million shares, which was below the recent weekly average, indicating a measured trading session rather than a surge in investor interest. With a market capitalization of USD 18.67 billion and a price-to-earnings ratio of 27.93, the stock's valuation remains central to future market assessments as investors weigh the company's consistent earnings delivery against its growth trajectory.
📈 EFX stock gained 1.6% to close at USD 243.80 on Sept 21, 2026.
💰 Q2 2026 revenue hit USD 1.70 billion, up 10.6% year-over-year.
🎯 EFX beat EPS estimates by USD 0.05 at USD 2.25 per share.
📊 Net margin reached 10.73% with ROE of 21.61% for the quarter.
🔮 Q3 2026 EPS guidance set between USD 2.15 and USD 2.25.
📈 Equifax Inc. stock closed at USD 243.80 on September 21, 2026, gaining 1.6 percent from the previous close.
💰 Second-quarter 2026 revenue reached USD 1.70 billion, a 10.6 percent increase year-over-year that matched consensus estimates.
🎯 The company beat EPS expectations by USD 0.05, reporting actual earnings per share of USD 2.25 versus the USD 2.20 consensus.
📊 Net margin for the quarter stood at 10.73 percent with a return on equity of 21.61 percent.
🔮 Equifax set third-quarter 2026 EPS guidance between USD 2.15 and USD 2.25 per share.
📅 Full-year 2026 earnings guidance ranges from USD 8.39 to USD 8.69 per share, with a midpoint near analyst consensus.
📉 Trading volume of 1.25 million shares was below the recent weekly average, reflecting measured market activity.
💵 Market capitalization is valued at USD 18.67 billion as of September 22, 2026.
🏦 The company operates in the Financials sector with a focus on Consumer Finance services.
Bullish Signals
Stock gained 1.6% after strong quarterly performance.
Revenue rose 10.6% year-over-year to USD 1.70 billion.
Beat EPS estimates by USD 0.05 at USD 2.25.
Net margin reached 10.73% with ROE of 21.61%.
Bullish Signals
Equifax Inc. stock gained 1.6 percent to close at USD 243.80 following a strong quarterly performance where revenue rose 10.6 percent year-over-year.
The company beat earnings per share estimates by USD 0.05, reporting actual EPS of USD 2.25 against the consensus forecast of USD 2.20.
Equifax demonstrated robust profitability with a net margin of 10.73 percent and a return on equity of 21.61 percent for the second quarter.
Revenue growth of 10.6 percent to reach USD 1.70 billion indicates continued demand for the company's credit reporting services.
Equifax Inc. reported solid top-line growth in the second quarter of 2026, with revenue reaching approximately USD 1.7 billion, an increase of about 11% year over year. This double-digit expansion highlights continued demand for Equifax's data and analytics services despite a challenging macroeconomic environment. The company's Workforce Solutions segment delivered revenues of USD 705.4 million, up 7%, driven by high growth in Talent Solutions and Consumer Lending which offset softer volumes in mortgage-related activity.
International operations added another pillar to the company's growth, with international revenues increasing 8% year over year on a reported basis to USD 383.1 million. Asia-Pacific led this international growth with revenues up 17%, supported by online business-to-business and commercial offerings, while Latin America, Canada, and Europe also saw double-digit or single-digit growth. This mix of domestic and international expansion serves as an important counterweight to mounting macro headwinds affecting the broader economy.
However, Equifax's management has flagged significant stress in interest-rate-sensitive parts of the economy, which could weigh on certain revenue streams. Specifically, housing-market activity has fallen by about 50% compared with prior periods as mortgage rates around 7% curb new loan demand and refinancing activity. This slowdown represents a clear headwind for Equifax's US mortgage-verification business, historically a meaningful contributor to Workforce Solutions revenue, while higher interest rates may intensify pressure on lower-credit-score borrowers.
Looking ahead, analyst expectations still point to continued profit growth, with third-quarter 2026 earnings projected to increase 8.3% year over year. Full-year 2026 and 2027 earnings are expected to rise 11.8% and 17.7%, respectively, implying that analysts expect the company to sustain high-single- to low-double-digit top-line expansion even amid tighter credit conditions. Despite these fundamentals, Equifax shares have declined roughly 26.8% from the start of the year, trading near USD 159 as investors weigh the resilience of its workforce solutions against cyclical housing pressures.
⚠️ High mortgage rates cut US verification business by ~50%.
📈 Q2 revenue rose 11% to $1.7B; Workforce Solutions up 7%.
🌏 International revenue grew 8%, led by 17% Asia-Pacific expansion.
🔮 Analysts project Q3 earnings up 8.3% and full-year growth.
📉 Stock trades at $159, down 26.8% from year start.
📈 Equifax reported second-quarter 2026 revenue of approximately USD 1.7 billion, representing an 11% increase year over year.
💼 The Workforce Solutions segment delivered revenues of USD 705.4 million in Q2 2026, up 7% year over year.
🌍 International revenues grew 8% year over year to USD 383.1 million, with Asia-Pacific leading the expansion at 17% growth.
📉 Housing-market activity has fallen by about 50% compared with prior periods due to mortgage rates around 7%.
⚠️ The slowdown in new mortgage originations poses a clear headwind for Equifax's US mortgage-verification business.
🔮 Analysts project third-quarter 2026 earnings to increase 8.3% year over year with continued profit growth expected.
📊 Full-year 2026 and 2027 earnings are anticipated to rise 11.8% and 17.7%, respectively, sustaining top-line expansion.
📉 Equifax stock trades around USD 159, roughly 26.8% below its level at the start of the year.
Bullish Signals
Q2 2026 revenue rose 11% to USD 1.7 billion.
Workforce Solutions segment grew 7% to USD 705.4 million.
International revenues expanded 8% with Asia-Pacific up 17%.
Analysts project Q3 earnings growth of 8.3% year over year.
Full-year 2026-2027 earnings expected to rise 11.8%-17.7%.
Slow mortgage originations hurt US verification business revenue.
High rates may increase borrower delinquencies and limit credit access.
Bullish Signals
Equifax reported second-quarter 2026 revenue of approximately USD 1.7 billion, representing a robust 11% increase year over year.
The Workforce Solutions segment delivered revenues of USD 705.4 million in Q2 2026, up 7% year over year, driven by high growth in Talent Solutions and Consumer Lending.
International revenues grew 8% year over year to USD 383.1 million, with Asia-Pacific leading the expansion at 17% growth supported by online business-to-business offerings.
Analysts project third-quarter 2026 earnings to increase 8.3% year over year with continued profit growth expected in the coming quarters.
Full-year 2026 and 2027 earnings are anticipated to rise 11.8% and 17.7%, respectively, implying sustained high-single- to low-double-digit top-line expansion.
Risk Factors
Housing-market activity has fallen by about 50% compared with prior periods as mortgage rates around 7% curb new loan demand and refinancing activity.
The pronounced slowdown in new mortgage originations represents a clear headwind for Equifax's US mortgage-verification business, historically a meaningful contributor to Workforce Solutions revenue.
Higher long-term interest rates and reduced housing-market transactions are intensifying pressure on lower-credit-score borrowers, potentially increasing delinquencies or limiting access to new credit.
Equifax Inc. (NYSE: EFX) shares finished the trading session on September 14, 2026, at a closing price of USD 170.73, representing a gain of approximately 1.0 percent from the previous close of USD 169.00. The stock traded on the New York Stock Exchange with volume consistent with recent sessions, indicating steady investor interest without an exceptional surge in activity.
Despite the positive performance for Equifax, the broader market context was mixed as the Nasdaq Composite slipped 0.56 percent to 26,186.41. This divergence occurred against a backdrop of pressure on technology and artificial intelligence-related names, while financial and credit services sectors held up better amid investor concerns regarding Federal Reserve tightening policies.
As trading opens on September 15, 2026, attention remains focused on broader macroeconomic data and sector sentiment rather than company-specific catalysts. With no major earnings releases or annual meetings flagged for the immediate future, Equifax shares are expected to trade primarily in response to incoming economic data that influences expectations for consumer and corporate borrowing activity.
Analysts and investors are monitoring how Equifax navigates this environment where credit services demand is sensitive to Federal Reserve policy shifts. The company's stock performance reflects a resilience within the financial sector compared to the wider technology-heavy backdrop, though specific drivers for the daily gain were not explicitly detailed beyond general sector rotation.
📈 EFX stock gained 1.0% to close at USD 170.73 on September 14, 2026.
📊 Trading volume remained steady with no exceptional surge in activity.
🌍 Nasdaq fell 0.56%, creating a mixed backdrop for EFX performance.
🏦 Credit services held up better than tech amid Fed tightening concerns.
📅 No major company-specific events like earnings are scheduled for EFX soon.
📈 Equifax stock closed at USD 170.73 on September 14, 2026, marking a 1.0 percent gain from the prior close of USD 169.00.
📊 Trading volume for Equifax remained in line with recent sessions, suggesting steady interest rather than an exceptional surge in activity.
🌍 The Nasdaq Composite fell 0.56 percent to 26,186.41 on the same day, creating a mixed backdrop for Equifax's performance.
🏦 Financial and credit services names held up better than technology stocks amid investor concerns over Federal Reserve tightening.
📅 No major company-specific events like earnings releases are scheduled for Equifax in the immediate future.
🔍 Investors are watching Equifax primarily for broader macro and sector cues affecting credit services demand.
Bullish Signals
Stock gained 1.0% to close at USD 170.73 on September 14, 2026.
Trading volume remained consistent with recent sessions and normal patterns.
Bullish Signals
Equifax stock gained 1.0 percent to close at USD 170.73 on September 14, 2026, outperforming the Nasdaq Composite which slipped 0.56 percent.
Trading volume for Equifax was consistent with recent sessions, indicating steady investor interest and normal trading patterns relative to its 52-week range.
Equifax (NYSE:EFX) EVP John Gamble, Jr. sold 4,500 shares of the company's stock on Thursday, September 3rd, for a total value of $845,820. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan, resulting in a 6.12% decrease in his direct ownership position to 69,055 shares. This insider sale is disclosed in an SEC filing and represents a routine liquidity event rather than a change in the company's strategic direction.
Equifax recently reported strong quarterly financial performance with earnings per share of $2.25, beating analyst consensus estimates by $0.05. The credit services provider generated revenue of $1.70 billion, matching expectations exactly, while achieving a 10.6% year-over-year growth in revenue. Key profitability metrics included a return on equity of 21.61% and a net margin of 10.73%, demonstrating robust operational efficiency.
Analyst sentiment remains cautiously positive despite recent price target reductions from major institutions like JPMorgan Chase, Morgan Stanley, and Citigroup. The average analyst price target stands at $215.16 with a 'Moderate Buy' consensus rating. Institutional ownership is heavily concentrated at 96.20%, indicating strong confidence among large investors in Equifax's long-term position as a major consumer credit reporting agency.
📉 EVP John Gamble sold 4,500 shares for $845,820 under Rule 10b5-1 plan.
💰 Q2 earnings beat estimates at $2.25 per share.
📈 Revenue grew 10.6% to reach $1.70 billion this quarter.
🏦 Firm achieved 21.61% return on equity and 10.73% net margin.
💵 Quarterly dividend of $0.56 payable September 15th to record holders.
📉 EVP John Gamble, Jr. sold 4,500 shares of Equifax stock for $845,820 on September 3rd under a pre-arranged Rule 10b5-1 trading plan.
💰 The company reported Q2 earnings of $2.25 per share, surpassing the consensus estimate of $2.20 by $0.05.
📈 Equifax revenue reached $1.70 billion for the quarter, representing a 10.6% increase compared to the same period last year.
🏦 The firm achieved a return on equity of 21.61% and a net margin of 10.73% during the reported quarter.
📊 Analysts have set an average price target of $215.16 with a consensus rating of 'Moderate Buy' for Equifax shares.
💵 Equifax announced a quarterly dividend of $0.56 per share, payable on September 15th to investors of record as of August 31st.
📉 JPMorgan Chase cut its price target from $230.00 to $210.00 while Morgan Stanley and Citigroup also lowered their objectives recently.
🏛️ Institutional investors own 96.20% of Equifax's outstanding stock, with significant holdings from Canada Post and the Canada Pension Plan Investment Board.
📉 The stock currently trades at a price-to-earnings ratio of 30.19 with a market capitalization of $20.18 billion.
Bullish Signals
EPS beat consensus by $0.05 at $2.25.
Revenue grew 10.6% YoY to $1.70B.
ROE reached 21.61% with 10.73% net margin.
Institutional ownership stands at 96.20%.
Bullish Signals
Equifax reported Q2 earnings of $2.25 per share, beating analyst consensus estimates by $0.05.
The company achieved revenue growth of 10.6% year-over-year, reaching $1.70 billion for the quarter.
Equifax demonstrated strong profitability with a return on equity of 21.61% and a net margin of 10.73%.
The firm maintains a high institutional ownership level of 96.20%, signaling strong investor confidence.
Major hedge funds including Canada Post Corp Registered Pension Plan significantly increased their stakes in the company.
Risk Factors
JPMorgan Chase reduced its price target from $230.00 to $210.00 following recent earnings.
Morgan Stanley lowered its price objective from $243.00 to $225.00 while maintaining an overweight rating.
Citigroup cut its target price from $238.00 to $220.00 despite assigning a buy rating to the stock.
Needham & Company LLC reduced its price objective from $265.00 to $245.00 in a recent research report.
Equifax Inc. (EFX) is a global data and analytics company operating through three primary divisions: Workforce Solutions, U.S. Information Solutions (USIS), and International. The company provides credit reporting, employment verification, fraud detection, and identity management services to clients in financial services, mortgage, healthcare, government, and other sectors across more than a dozen countries.
As of September 2026, EFX pays an annual dividend of $2.18 per share ($0.56 quarterly), resulting in a yield of 1.23% at a stock price of $177.05. The company has increased its dividend for 17 consecutive years, with the most recent increase occurring in 2025 to reach $1.89 per share after a seven-year freeze at $1.56.
Equifax maintains a conservative payout ratio of 37.0%, retaining the majority of earnings to support future growth and dividend sustainability. While the current yield is low compared to high-yield alternatives, the company's diversified revenue streams and broad client base provide recurring demand across credit, employment, and fraud services.
The stock carries a beta of 1.305, indicating above-average price volatility, making it more suitable for investors prioritizing dividend growth over steady, low-risk income. Historical data shows a compound annual growth rate (CAGR) of 8.0% in dividends from 2011 to 2025, though recent growth has been flat following the 2025 hike.
📈 EFX achieved 17 consecutive years of dividend growth with a 2025 increase to $1.89/share.
💰 Stock trades at $177.05 offering a 1.23% yield on a $2.18 annual dividend.
🛡️ Company maintains a conservative 37.0% payout ratio to sustain dividends during earnings pressure.
📉 Beta of 1.305 indicates above-average volatility suitable for growth-and-income investors.
📅 Next ex-dividend date is August 31, 2026, with payments sourced from Yahoo Finance data.
📊 Equifax Inc. operates globally through Workforce Solutions, U.S. Information Solutions, and International divisions serving financial, mortgage, healthcare, and government clients.
💰 The company pays a $2.18 annual dividend ($0.56 quarterly) with a 1.23% yield at the current share price of $177.05.
📈 EFX has achieved 17 consecutive years of dividend growth, with the most recent increase in 2025 raising the rate to $1.89 per share.
🛡️ Equifax maintains a conservative 37.0% payout ratio, retaining most earnings to sustain dividends even if earnings face pressure.
📉 The stock has a beta of 1.305, reflecting above-average volatility and making it a fit for growth-and-income investors rather than those seeking low-risk income.
📅 The next ex-dividend date is scheduled for August 31, 2026, with payments sourced from Yahoo Finance data aggregated by MerryDiv.
Bullish Signals
Equifax has increased its dividend for 17 consecutive years, demonstrating a strong commitment to returning capital to shareholders.
The company maintains a conservative 37.0% payout ratio, providing a substantial cushion to sustain and grow dividends even if earnings face cyclical pressure.
Equifax operates in multiple high-demand sectors including credit reporting, employment verification, and fraud detection across more than a dozen countries.
Risk Factors
The current dividend yield of 1.23% is low compared to high-yield alternatives, which may limit immediate income generation for some investors.
Credit and mortgage-related services are sensitive to economic slowdowns, posing a risk that could compress earnings and tighten the dividend safety cushion.
Equifax Inc (EFX) shares fell 7.02% on September 4, driven primarily by regulatory risks and a potential structural shift in mortgage reporting requirements. The Federal Housing Finance Agency (FHFA) is evaluating a move from the traditional tri-merge credit reporting model to a bi-merge framework for Fannie Mae and Freddie Mac mortgages. This proposed change threatens to eliminate a significant portion of Equifax's recurring revenue stream, as lenders would no longer be mandated to pull data from all three major bureaus.
Compounding these regulatory headwinds, the FHFA has publicly criticized credit reporting agencies for excessive fees and restrictive pricing practices. The agency signaled that it is considering structural shifts that could lead to mandated fee reductions or expanded alternative credit scoring frameworks, such as VantageScore 4.0, which poses a direct threat to Equifax's traditional scoring structures and pricing power in the mortgage ecosystem.
Market sentiment was further dampened by insider selling activity, specifically a Form 144 filing from Chief Financial Officer John W. Gamble Jr., who submitted notice to sell approximately 4,500 shares valued at over $845,000. While Equifax reported annual revenue of $6.07 billion and net profit of $660.30 million, the immediate threat of volume cuts in domestic mortgage reporting outweighs its broader growth initiatives in the short term, leading to sustained market caution.
Technically, Equifax shows a neutral MACD signal but an RSI suggesting neutral conditions with a Williams %R indicating a sell condition. Analysts maintain Buy ratings with an average price target of $210.69, though the stock underperformed the Industrial & Commercial Services sector amid concerns that heightened government oversight could weaken its medium-term earnings trajectory.
⚖️ FHFA criticism over fees introduces risk of mandated fee reductions or intervention.
💼 CFO sold 4,500 shares worth $845,000 adding selling pressure to stock.
📊 Annual revenue reached $6.07 billion with net profit of $660.30 million.
📈 Analysts maintain Buy ratings with average price target of $210.69.
📉 Equifax shares dropped 7.02% on September 4 due to regulatory risks and a potential shift from tri-merge to bi-merge mortgage reporting requirements.
🏛️ The FHFA is evaluating a structural change allowing lenders to use only two credit bureaus, threatening Equifax's core U.S. mortgage reporting revenue stream.
⚖️ Public criticism from the FHFA regarding excessive fees and cartel-like pricing practices introduces risks of mandated fee reductions or regulatory intervention.
📉 The adoption of VantageScore 4.0 by Fannie Mae and Freddie Mac threatens Equifax's traditional scoring structures and market dynamics in government-backed loans.
💼 CFO John W. Gamble Jr. filed a Form 144 to sell approximately 4,500 shares valued at over $845,000, adding selling pressure amid sector-wide scrutiny.
📊 Equifax reported annual revenue of $6.07 billion and net profit of $660.30 million, ranking 21st in its industry by revenue.
📈 Analysts maintain Buy ratings with an average price target of $210.69, ranging from a low of $179.00 to a high of $245.00.
📉 Technical indicators show a neutral MACD signal but a Williams %R suggesting a sell condition as the stock underperforms its sector.
Bullish Signals
Analysts maintain Buy ratings with $210.69 average price target.
Diversified segments buffer against domestic mortgage volatility.
Risk Factors
FHFA bi-merge model threatens recurring revenue from Fannie Mae and Freddie Mac.
Bullish Signals
Analysts maintain Buy ratings for Equifax with an average price target of $210.69, indicating continued confidence in the company's long-term prospects despite short-term headwinds.
Equifax maintains operational diversification through its Workforce Solutions segment and international data offerings, providing a buffer against domestic mortgage reporting volatility.
Risk Factors
The FHFA is evaluating a shift to a bi-merge mortgage reporting model that could eliminate a significant portion of Equifax's recurring revenue from Fannie Mae and Freddie Mac.
The adoption of VantageScore 4.0 by government-sponsored enterprises threatens Equifax's traditional scoring structures and introduces operational uncertainties in mortgage originations.
CFO John W. Gamble Jr. filed a Form 144 to sell approximately 4,500 shares valued at over $845,000, amplifying negative market sentiment during regulatory turbulence.
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Let Meta (Facebook and Instagram) measure how our ads perform, using the Meta Pixel. Meta Platforms Ireland Ltd. receives the pages you visit and, when you confirm the email address of a new account, a "completed registration" event, together with browser identifiers and your IP address. Meta's automatic advanced matching also reads contact details you type into forms on our site, such as your email address or name, hashes them in your browser and sends them with these events so Meta can match them to a Facebook or Instagram account. Hashed details are still personal data. These events are sent from your browser and may also be forwarded to Meta through Meta's Conversions API Gateway. Our own server also sends page visits and completed-registration events directly to Meta's Conversions API, with your IP address, browser user agent and Meta browser identifiers, so Meta can count it once. To help Meta match these visits, your browser and our server also send a random visitor ID from our own cookie and, if you are signed in, your account ID, your confirmed email address and the name, city, postal code and country saved in your profile, all hashed first. We and Meta are joint controllers for collecting and sending this data, and Meta's further use, which may include processing in the USA, is described in the Meta Privacy Policy. When this is off, the Meta Pixel is not loaded and no page visit or registration event is sent to Meta. Together with analytics cookies, this choice also lets Google receive hashed contact details, as described under Analytics cookies.
Cookie
Purpose
Duration
_fbp
Identifies browsers for Meta ad measurement (Meta Pixel)
3 months
_fbc
Stores the Meta ad click that brought you here (Meta Pixel)
3 months
_bes_meid
Random visitor ID, sent to Meta only hashed, so your visits can be matched (Meta Pixel and Conversions API)