Four consecutive earnings beats and 21.7% potential upside to analyst consensus at a roughly 3.1-to-1 reward/risk ratio make the fundamental setup attractive, but a confirmed price downtrend with the 200-day moving average sloping at -5.4% per month and an elevated put/call ratio of 2.68 mean the near-term technical environment must improve before the fundamental case can translate into price appreciation.
Thesis pillars
- Perfect Four Quarter Beat Streak↓Deteriorating
- Confirmed Price Downtrend↓Deteriorating
- Material Upside To Analyst Target→Stable
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 19, 2026
Equifax, Inc. (EFX) Stock Analysis
Recovery setup
Industrials · Consulting Services
Sell if holding. Analyst target reached at $179.39 — A.R:R 0.0:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Sector modifier (Industrials): -0.7.
Equifax provides data, analytics, and technology solutions through three segments—Workforce Solutions, U.S. Information Solutions, and International—covering consumer credit, employment/income verification, fraud detection, and HR business process services. Revenue is earned on... Read more
Sell if holding. Analyst target reached at $179.39 — A.R:R 0.0:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Sector modifier (Industrials): -0.7. Chart setup: Death cross but MACD improving, RSI 76. Score 5.6/10, moderate confidence.
Passes 7/10 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 95d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
About Equifax, Inc.
About Equifax, Inc.
Equifax maintained 209 million active and 813 million total employment records in The Work Number platform at December 31, 2025, drawing from payroll data provided by more than 4 million contributing organizations. Revenue streams are diversified across three operating segments—Workforce Solutions, U.S. Information Solutions (USIS), and International—with international clients accounting for 23% of total revenue in 2025, consistent with 24% in 2024 and 23% in 2023. The largest single client represented approximately 3% of total revenue.
Equifax earns revenue on a per-transaction basis in Verification Services, where employment and income checks are run for mortgage originators, credit card and automotive lenders, government agencies, and pre-employment screeners. Employer Services earns fees from unemployment claims management, I-9 onboarding, ACA compliance management, and tax credit processing. USIS generates revenue through Online Information Solutions (credit reports, fraud products, decisioning technology) and Financial Marketing Services (portfolio management, marketing analytics, identity verification), with clients primarily in banking, financial services, insurance, mortgage, and government verticals. The International segment covers Latin America, Europe (U.K., Spain, Portugal), Asia Pacific (Australia, New Zealand, India), and Canada, with joint ventures in Brazil, Cambodia, Malaysia, and Singapore. Equifax licenses credit information to and from Experian and TransUnion for tri-bureau mortgage products, creating competitive interdependence in the U.S. mortgage market.
Show full overview
Equifax's information supply chain depends on voluntary data contributions from lenders, employers (via The Work Number), and telecommunications and utility firms via the NCTUE database. The 10-K warns that data furnishers could withdraw or restrict data contributions for competitive, legislative, or security reasons. The company has 'previously experienced a material cybersecurity incident' that damaged key certifications and paused certain customer relationships; another breach could cause customers and government contractors to stop doing business with Equifax. Government contracts with federal, state, and local agencies represent a named revenue stream subject to suspension if compliance failures occur.
See also: Industrials · Consulting Services
From Equifax, Inc.'s most recent 10-K filing, extracted June 10, 2026.
Recent developments
updated 2026-10-30Recent Developments — Equifax, Inc.
Latest news
- NEWS Equifax (EFX) Reports Q2 Earnings Miss, Shares Drop 7% - GuruFocus — GuruFocus negative
- NEWS A Look at Equifax Inc (EFX) After 7.3% Decline -- GF Value $286. - GuruFocus — GuruFocus negative
- NEWS Senators Challenge Equifax (EFX) on Student Loan Reporting Pract - GuruFocus — GuruFocus negative
- NEWS Equifax Inc (EFX) Earnings Forecast: Future EPS & Revenue Growth Estimates - TradingKey — TradingKey neutral
- NEWS Equifax Inc (EFX) Risk Assessment: Volatility, Financial Risk & Investment Risk - TradingKey — TradingKey neutral
Generated 2026-10-30T11:22:45Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- LOWGeographicinternational revenue23%10-K Item 1: 'Revenue from international clients, including end users and resellers, amounted to 23% of our total revenue in 2025'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $179.39 — A.R:R 0.0:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Sector modifier (Industrials): -0.7. Chart setup: Death cross but MACD improving, RSI 76. Prior stop was $166.83. Score 5.6/10, moderate confidence.
Analyst target: $180.31 (+0.5% upside). Prior stop was $166.83. Stop-loss: $166.83.
Analyst target reached - limited upside remaining; Sector modifier (Industrials): -0.7; Leverage penalty (D/E 1.1): -0.5.
Equifax, Inc. trades at a P/E of 29.0 (forward 18.8). TrendMatrix value score: 5.6/10. Verdict: Sell.
30 analysts cover EFX with a consensus score of 4.0/5. Average price target: $200.
What does Equifax, Inc. do?Equifax provides data, analytics, and technology solutions through three segments—Workforce Solutions, U.S. Information...
Equifax provides data, analytics, and technology solutions through three segments—Workforce Solutions, U.S. Information Solutions, and International—covering consumer credit, employment/income verification, fraud detection, and HR business process services. Revenue is earned on a per-transaction and subscription basis from financial institutions, corporations, government agencies, and consumers in North America, Latin America, Europe, and Asia Pacific.