Equifax (EFX)
Credit, workforce, and identity data for lending and employment decisions.
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Sells employment and income verification, credit data and scores, mortgage reports, identity and fraud tools, and employer-compliance services across U.S. and international markets. Services are primarily delivered per transaction, with subscriptions also used; data quality, regulation, mortgage demand, and hiring activity shape results.
Organizes its data, analytics, and decisioning services into three segments. Workforce Solutions sells employment, income, education, and background verification through The Work Number, alongside Employer Services for payroll tax, onboarding, and workforce-compliance workflows. U.S. Information Solutions supplies consumer and commercial credit data, scores, mortgage reports, identity and fraud tools, and financial marketing services.
Extends similar credit, decisioning, fraud, and recovery services through International operations across Latin America, Europe, Asia Pacific, and Canada. Proprietary credit, employment, income, and identity data feed cloud-based analytics and software used by lenders, employers, government agencies, and other businesses, with much of the service delivered transactionally.
Revenue remains sensitive to mortgage and hiring activity. Operations depend on secure, accurate data, available outsourced cloud systems, and compliance with consumer-reporting, privacy, cybersecurity, and artificial-intelligence rules.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 22, 2026 | Wells Fargo | Reiterate | Rating: —Target: $212 | Target: $200 |
| Sep 8, 2026 | BNP Paribas | Downgrade | Rating: —Target: $305 | Target: $245 |
| Aug 21, 2026 | Citigroup | Downgrade | ||
| Aug 21, 2026 | William Blair | Initiate | Rating: — | |
| Aug 21, 2026 | HSBC | Downgrade | Rating: — |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $170.1M · Total debt $5.47B · Total assets $11.98B · Shareholders' equity $4.38B
- Revenue
- $1.70B
- Operating income
- $314.2M
- Net income
- $183.9M
HistoryDividendAnnual yield
| Institutions | ≈ 101.81% | 119.61M shares | |
|---|---|---|---|
| 862 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 0.64% | 746.7K shares | |
| 25 holders · as of Sep 8, 2026 | |||
| Adds to | 102.45% | ||
117.48M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
These groups come from separate filings that can overlap, so they add to 102.45%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Massachusetts Financial Services Company ("MFS")Institution | 9.12% | 10.72M | filed Feb 2, 2022 |
BlackRock, Inc.Institution | 8.00% | 9.40M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 6.62% | 7.78M | as of Jun 30, 2026 |
Harris Associates L PInstitution | 6.34% | 7.45M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 4.46% | 5.24M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 3, 2026 | John W. Jr Gamble | officer: EVP, CFO & COO | −4,500 | $187.96 |
| Jul 24, 2026 | Mark W. Begor | director, officer: CEO | −37,791 | $172.16 |
| May 7, 2026 | Chad M. Borton | officer: EVP, Pres Workforce Solutions | −2,455 | $173.89 |
| May 1, 2026 | John W. Jr Gamble | officer: EVP, CFO & COO | −3,500 | $176.54 |
| Apr 24, 2026 | Mark W. Begor | director, officer: CEO | −37,791 | $172.40 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Equifax | $159.13 | +0.32% | $18.64B | 27.9 | 17.4 | 2.9 | +10.6% |
| TransUnion | $71.82 | +0.57% | $13.68B | 18.8 | 13.9 | 2.8 | +14.9% |
| FICO | $915.03 | −1.03% | $19.97B | 26.7 | 18.1 | 8.3 | +25.7% |
| RELX (ADR) | $32.86 | −1.65% | $58.33B | 20.2 | — | 4.5 | +1.0% |
| Moody's | $467.72 | +0.11% | $80.94B | 29.7 | 26.3 | 9.9 | +15.1% |
| ADP | $268.19 | −0.65% | $107.90B | 24.7 | 21.9 | 4.9 | +6.8% |
| Median | 24.7 | 20.0 | 4.9 | +14.9% |