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Equifax Inc. (EFX) Stock Overview

Market Cap: $22.21B

Equifax Inc. operates as a data, analytics, and technology company. The company operates through three segments: Workforce Solutions, U.S.

Mar 19, 2026$181.50

1Y -25.1%

Rewards

★Free cash flow has grown at a 104.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
★Each dollar of retained earnings has created $1.94 of market value — management is creating shareholder value.
★Trailing P/E of 34.1x is 25% below the historical average of 45.6x — potentially undervalued relative to its own history.

Risks

⚠PEG ratio of 14.22 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
⚠Insiders have sold $10.4M worth of stock in the past 3 months — significant insider liquidation.

EFX Key Valuation Metrics

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Free Cash Flow

$1.00B

FCF Yield

4.51%

Trailing P/E

34.12

Forward P/E

17.53

ROIC

8.71%

ROE

13.94%

Gross Margin

56.45%

PEG Ratio

14.22

Debt / Equity

1.11

Interest Coverage

N/A

Net Debt / EBITDA

2.71

Dividend Yield

1.13%

EFX Historical Fundamentals

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Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

EFX $1 Retained Earnings Test

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Market Value

$1.94

created per $1 retained

Value Creator

Earning Power

$-0.33

created per $1 retained

Earning Power Declined

Σ Retained

$1.19B

Δ Market Cap

+$2.32B

Δ Earning Power

$-398.9M

Buffett's "$1 Test": For every $1 retained, how much value did management create?
Market Value = market's verdict (mood-sensitive) · Earning Power = owner earnings / discount rate (mood-independent)

EFX Discounted Cash Flow (DCF) Analysis

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4.1% Margin of Safety

Price is 4.1% below estimated fair value

Current Price: $181.50

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $189.27

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Parameter	Min (Bear)Value	BaseValue	Max (Bull)Value
Initial Cash Flow
Growth Rate (Yr 1-5)	%	%	%
Growth Rate (Yr 6-10)	%	%	%
Terminal Growth Rate	%	%	%
Discount Rate	%	%	%
	Bear Case $90.79 Implied EV: $16.17B	Base Case $189.27 Implied EV: $28.23B	Bull Case $303.32 Implied EV: $42.19B

Reverse DCF — Market-Implied Growth

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What growth rate is the market pricing in at $182?

+17.6%

Market-Implied Owner Earnings Growth

Standard FCF implies +11.9%

The market implies +17.6% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +11.9%, reflecting heavy growth investment.

EFX Economic Moat Score

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62/100

Narrow Moat

70+ Wide · 40-69 Narrow · <40 None

Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency would strengthen the moat.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.

EFX Forensic Accounting

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-2.83

Unlikely Manipulator

Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

EFX Management & Board

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Mr. Mark W. Begor

CEO & Director · Age 67

$3.79M

total pay

Mr. John W. Gamble Jr.

Executive VP, CFO & COO · Age 62

$1.94M

total pay

Mr. Jamil Farshchi

Executive VP & CTO · Age 47

$1.65M

total pay

Mr. Chad M. Borton

Executive VP & President of Workforce Solutions · Age 54

$1.93M

total pay

Mr. James M. Griggs

Chief Accounting Officer & Corporate Controller

Mr. Trevor Burns

Senior Vice President of Corporate Investor Relations

Ms. Julia A. Houston

Executive VP & Chief Legal Officer · Age 54

Ms. Kate Walker

Chief Marketing and Communications Officer

Mr. Sunil Bindal

EVP & Chief Corporate Development and Strategy Officer · Age 50

Ms. Carla J. Chaney

Executive VP & Chief Human Resources Officer · Age 55

EFX Ownership

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Insiders 0.7%Institutions 98.7%Retail & Other 0.6%

No. of Institutional Holders1,238

High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

EFX Insider Buying Activity

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Buys (3M)

Buys (12M)

Total value (12M): $464,928

MAO CECILIA H.

Officer

$464,928

@ $193.72 · 2026-02-18

FICHUK KAREN LINN

Director

$99,090

@ $238.77 · 2024-05-09

Open market purchases · includes direct & indirect ownership · excludes option exercises

EFX Insider Selling Activity

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Sells (3M)

Sells (12M)

Total value (12M): $30.76M

GAMBLE JOHN W JR

Chief Operating Officer

$880,740

@ $195.72 · 2026-02-23

BORTON CHAD M

Officer

$485,452

@ $191.50 · 2026-02-12

FARSHCHI JAMIL

Chief Technology Officer

$1.45M

@ $196.45 · 2026-02-11

BEGOR MARK W.

Chief Executive Officer

$7.63M

@ $201.89 · 2026-02-10

GAMBLE JOHN W JR

Chief Operating Officer

$520,925

@ $208.37 · 2025-11-20

FARSHCHI JAMIL

Chief Technology Officer

$1.18M

@ $238.94 · 2025-10-27

GAMBLE JOHN W JR

Chief Operating Officer

$742,050

@ $247.35 · 2025-08-18

BEGOR MARK W.

Chief Executive Officer

$11.67M

@ $241.71 · 2025-07-28

GAMBLE JOHN W JR

Chief Operating Officer

$518,200

@ $259.10 · 2025-05-06

BEGOR MARK W.

Chief Executive Officer

$5.69M

@ $256.61 · 2025-04-28

GAMBLE JOHN W JR

Chief Operating Officer

$848,085

@ $242.31 · 2025-02-28

BEGOR MARK W.

Chief Executive Officer

$5.60M

@ $252.63 · 2025-02-13

FARSHCHI JAMIL

Chief Technology Officer

$4.69M

@ $248.18 · 2025-02-12

NELSON LISA M

Officer

$136,995

@ $248.18 · 2025-02-12

FARSHCHI JAMIL

Chief Technology Officer

$3.83M

@ $260.39 · 2024-11-26

NELSON LISA M

Officer

$143,475

@ $260.39 · 2024-11-26

BEGOR MARK W.

Chief Executive Officer

$15.77M

@ $270.49 · 2024-10-25

KELLEY JOHN J III

Officer

$272,920

@ $272.92 · 2024-10-25

KELLEY JOHN J III

Officer

$914,977

@ $304.99 · 2024-08-28

CHANEY CARLA

Officer

$845,544

@ $281.85 · 2024-08-07

CHANEY CARLA

Officer

$838,440

@ $279.48 · 2024-08-01

GAMBLE JOHN W JR

Chief Operating Officer

$373,260

@ $276.49 · 2024-07-30

BEGOR MARK W.

Chief Executive Officer

$15.71M

@ $269.47 · 2024-07-26

HOUSTON JULIA A

Officer

$1.10M

@ $228.63 · 2024-05-31

CHANEY CARLA

Officer

$937,874

@ $228.53 · 2024-05-31

GRIGGS JAMES M.

Officer

$91,483

@ $228.71 · 2024-05-31

GAMBLE JOHN W JR

Chief Operating Officer

$836,732

@ $229.24 · 2024-05-30

HOUSTON JULIA A

Officer

$1.02M

@ $238.63 · 2024-05-24

CHANEY CARLA

Officer

$1.24M

@ $238.63 · 2024-05-24

GRIGGS JAMES M.

Officer

$575,015

@ $238.60 · 2024-05-24

BEGOR MARK W.

Chief Executive Officer

$13.14M

@ $225.45 · 2024-04-26

PLODER RODOLFO O

Officer

$3.18M

@ $225.45 · 2024-04-26

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

EFX 🎭 Mr. Market's Mood

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😨Fear(28/100)

"Market is pessimistic — investigate whether fears are temporary or structural"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

EFX ⚖️ Buffett Signal

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⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Fear (28)

EFX Investment Checklist & Notes

Learn more →

Do I understand this business?

Does it have a durable competitive advantage (moat)?

Is management honest and competent?

Is management allocating capital rationally?

Is the price reasonable (margin of safety)?

Is this within my circle of competence?

Auto-saved • Last updated: 3/20/2026, 4:31:59 AM

EFX Insider Buying Activity

Learn more →

Buys (3M)

Buys (12M)

Total value (12M): $464,928

MAO CECILIA H.

Officer

$464,928

@ $193.72 · 2026-02-18

FICHUK KAREN LINN

Director

$99,090

@ $238.77 · 2024-05-09

Open market purchases · includes direct & indirect ownership · excludes option exercises

EFX Insider Selling Activity

Learn more →

Sells (3M)

Sells (12M)

Total value (12M): $30.76M

GAMBLE JOHN W JR

Chief Operating Officer

$880,740

@ $195.72 · 2026-02-23

BORTON CHAD M

Officer

$485,452

@ $191.50 · 2026-02-12

FARSHCHI JAMIL

Chief Technology Officer

$1.45M

@ $196.45 · 2026-02-11

BEGOR MARK W.

Chief Executive Officer

$7.63M

@ $201.89 · 2026-02-10

GAMBLE JOHN W JR

Chief Operating Officer

$520,925

@ $208.37 · 2025-11-20

FARSHCHI JAMIL

Chief Technology Officer

$1.18M

@ $238.94 · 2025-10-27

GAMBLE JOHN W JR

Chief Operating Officer

$742,050

@ $247.35 · 2025-08-18

BEGOR MARK W.

Chief Executive Officer

$11.67M

@ $241.71 · 2025-07-28

GAMBLE JOHN W JR

Chief Operating Officer

$518,200

@ $259.10 · 2025-05-06

BEGOR MARK W.

Chief Executive Officer

$5.69M

@ $256.61 · 2025-04-28

GAMBLE JOHN W JR

Chief Operating Officer

$848,085

@ $242.31 · 2025-02-28

BEGOR MARK W.

Chief Executive Officer

$5.60M

@ $252.63 · 2025-02-13

FARSHCHI JAMIL

Chief Technology Officer

$4.69M

@ $248.18 · 2025-02-12

NELSON LISA M

Officer

$136,995

@ $248.18 · 2025-02-12

FARSHCHI JAMIL

Chief Technology Officer

$3.83M

@ $260.39 · 2024-11-26

NELSON LISA M

Officer

$143,475

@ $260.39 · 2024-11-26

BEGOR MARK W.

Chief Executive Officer

$15.77M

@ $270.49 · 2024-10-25

KELLEY JOHN J III

Officer

$272,920

@ $272.92 · 2024-10-25

KELLEY JOHN J III

Officer

$914,977

@ $304.99 · 2024-08-28

CHANEY CARLA

Officer

$845,544

@ $281.85 · 2024-08-07

CHANEY CARLA

Officer

$838,440

@ $279.48 · 2024-08-01

GAMBLE JOHN W JR

Chief Operating Officer

$373,260

@ $276.49 · 2024-07-30

BEGOR MARK W.

Chief Executive Officer

$15.71M

@ $269.47 · 2024-07-26

HOUSTON JULIA A

Officer

$1.10M

@ $228.63 · 2024-05-31

CHANEY CARLA

Officer

$937,874

@ $228.53 · 2024-05-31

GRIGGS JAMES M.

Officer

$91,483

@ $228.71 · 2024-05-31

GAMBLE JOHN W JR

Chief Operating Officer

$836,732

@ $229.24 · 2024-05-30

HOUSTON JULIA A

Officer

$1.02M

@ $238.63 · 2024-05-24

CHANEY CARLA

Officer

$1.24M

@ $238.63 · 2024-05-24

GRIGGS JAMES M.

Officer

$575,015

@ $238.60 · 2024-05-24

BEGOR MARK W.

Chief Executive Officer

$13.14M

@ $225.45 · 2024-04-26

PLODER RODOLFO O

Officer

$3.18M

@ $225.45 · 2024-04-26

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

EFX Investment Checklist & Notes

Learn more →

Do I understand this business?

Does it have a durable competitive advantage (moat)?

Is management honest and competent?

Is management allocating capital rationally?

Is the price reasonable (margin of safety)?

Is this within my circle of competence?

Auto-saved • Last updated: 3/20/2026, 4:31:59 AM

Equifax Inc. (EFX) Stock Overview

Rewards

Risks

EFX Key Valuation Metrics

EFX Historical Fundamentals

EFX $1 Retained Earnings Test

EFX Discounted Cash Flow (DCF) Analysis

Reverse DCF — Market-Implied Growth

EFX Economic Moat Score

EFX Forensic Accounting

M-Score Trend

EFX Management & Board

EFX Ownership

EFX Insider Buying Activity

EFX Insider Selling Activity

EFX 🎭 Mr. Market's Mood

EFX ⚖️ Buffett Signal

Compare EFX

EFX Investment Checklist & Notes

EFX Insider Buying Activity

EFX Insider Selling Activity

EFX Investment Checklist & Notes