Independent equity research
Is Equifax Inc. (EFX) a Buy, Hold or Sell?
Equifax Inc. — our independent, AI-built valuation and rating, in brief.
BUY (accumulate)
12-mo fair value
$215.00
To fair value
+25%
Report dated 2026-07-24 · fair value derived independently of the market price.
The thesis, in brief
BUY(accumulate)/$215 on Q2 2026. Workforce-data compounder (The Work Number/EWS); de-rated to 2nd pctile of 3-yr P/E (~16x FY27E) on beat-but-guide-light; FCF inflecting + mortgage/hiring trough = free optionality
How we value it
We value Equifax Inc. using P/E + FCF/DCF. The 12-month fair value is set from that intrinsic estimate first, then compared to the market to read the upside or downside — never anchored to the current price.
What the full report covers
- Business & moat + industry cycle
- Earnings quality & normalized EPS
- Returns on capital (ROIC vs WACC)
- Balance-sheet safety
- Two independent valuations (DCF + multiples)
- Bear / base / bull fair values
- Earnings-call analysis
- Insider activity & positioning
- Technicals (RSI / ADX)
- A falsifiable thesis
Read the full Equifax Inc. report
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