EFX Stock Analysis — Equifax
Sector: Financial Data
AI Verdict
EFX trades at 19x next year's earnings while analysts expect a 63% profit surge—cheap for the growth on offer if its credit data moat holds, but any stumble will erase the current valuation premium fast.
Competitive Moat
Equifax owns one of the three dominant consumer credit databases in the U.S., making it a critical gatekeeper for lending and identity verification. Its defensibility comes from deep integrations with banks and lenders, plus regulatory barriers that make it nearly impossible for new entrants to replicate its data trove.
Summary
EFX is deeply oversold at an RSI of 26.0, with expectations of a sharp 63.0% EPS rebound next year.
Where It Stands
Shares are down -33.99% over the past year, trade at 19.0x forward earnings (vs. 14x sector median for financials), and the RSI of 26.0 signals extreme oversold territory.
Key Metrics
- RSI: 26 — Oversold
- Trailing P/E: 30.9x
- Forward P/E: 19.0x
- PEG Ratio: 0.52
- Earnings Growth: +0.6%
- Revenue Growth: +0.1%
- Market Cap: $20.9B
- Dividend Yield: 0.01%
- 1-Year Return: -33.99%
- 52-Week High: $281.03
- 52-Week Low: $166.02
Analyst Consensus
20 Buy · 10 Hold · 0 Sell (30 analysts)
Bull Case
With forward EPS growth expected at 63.0% and a forward P/E of 19.0x, you're paying a below-average multiple for a rare earnings snapback if execution matches expectations.
Bear Case
If the P/E reverts to the sector median of 14x, the stock could see another 26% downside from here despite the low RSI.
Catalyst to Watch
Watch for quarterly results to confirm whether the forecasted 63.0% EPS growth is materializing, as a miss could trigger further derating.