| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 48 | 29.6x | 17.8x | Around median | |
Growth | 71 | 10.3% | 7.1% | Top tier | |
Quality | 78 | 9.1% | 4.5% | Top tier | |
Safety | 61 | 2.8x | 2.6x | Around median | |
Capital Return | 51 | 1.25% | 2.12% | Around median | |
Momentum | 21 | -28.4% | 2.9% | Bottom tier | |
Sentiment | 63 | 19 | 3 | Around median |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Equifax Inc. provides credit data, income and employment verification, analytics, and decision-making tools to lenders, government agencies, employers, and consumers. Its business drivers include Workforce Solutions, which relies on The Work Number database for income and employment verification, USIS for credit data and mortgage solutions, and international operations; the company says more than 90% of its revenue comes from proprietary data sources, including more than 100 data exchange platforms globally. It also expands its offerings through EFX.AI and the Ignite and InterConnect platforms, while new products achieved a vitality index of 16% in Q2 FY2026.
In Q2 FY2026, revenue reached $1.7 billion, up 11% on a reported basis and 10% in constant currency, while net income according to EDGAR data was approximately $183.9 million and reported earnings per share were $1.54. On an adjusted basis as presented by management, EBITDA was approximately $552 million at a margin of 32.5%, while the margin excluding the impact of FICO royalties was approximately 35% and increased 120 basis points year over year, and adjusted earnings per share reached $2.25, up 13%. By segment, Workforce Solutions revenue grew 7%, USIS grew 17% or 6% excluding FICO, and international revenue grew approximately 4% in constant currency.
The operating mix showed clear divergence in Q2 FY2026: US mortgage revenue rose 25% and 7% excluding FICO, and diversified markets within Workforce Solutions grew due to high double-digit growth in talent solutions and consumer lending, but government revenue declined approximately 4% due to a difficult comparison with a large contract in FY2025. The EBITDA margin was 52.1% in Workforce Solutions, 32.8% in USIS or 40.5% excluding FICO, and 27.6% in international operations, with a year-over-year improvement of 120 basis points. On a trailing twelve-month basis through Q2 FY2026, revenue was $6.4 billion, net income was $691.4 million, and earnings per share were approximately $5.80.
The average analyst price target is $214.36 within a wide range of $182 to $245, with a consensus rating of “Buy”; the average is approximately 21% below the 52-week range high of $271.84 and above its low of $150.75. No price-to-earnings multiple is provided in the data despite earnings per share of approximately $5.80 on a trailing twelve-month basis through Q2 FY2026, making the target range and its breadth between $182 and $245 a clearer valuation reference, while considering the risks of mortgage weakness, the delayed financial impact of government contracts, and uncertainty regarding VantageScore adoption.
Figures in the text are as of 2026-08-28; the live price is shown at the top of the page.
Equifax revenue reached approximately $1.7 billion in Q2 FY2026, up 11% on a reported basis and 10% in constant currency. Workforce Solutions grew 7% and USIS grew 17%, while US mortgage revenue rose 25% despite market weakness. High double-digit growth in talent solutions and consumer lending also helped offset an approximately 4% decline in government revenue.
The Work Number ended Q2 FY2026 with 217 million active records, up 10%, including 124 million current active records covering 108 million unique Social Security numbers. Equifax uses this data for instant income and employment verification for lenders and government agencies. During the four months preceding the July 21, 2026 call, this competitive position contributed to the signing of approximately $300 million in government contracts, including $100 million in new business.
VantageScore volume reached approximately 2.2 million transactions in Q2 FY2026, nearly three times the Q1 FY2026 volume. Approximately 1,200 lenders used the score free alongside FICO to test systems, while approximately 100 lenders used it exclusively at a price of $1, and the volume of these transactions did not exceed approximately 10 thousand. Management says a full transition could add $40-50 million to the margin, but it assumed limited VantageScore revenue in its FY2026 guidance.
Automated analysis for informational purposes only — not investment advice.
Equifax agreed to acquire Círculo de Crédito at an enterprise value of $750 million, with closing expected in Q4 FY2026 after regulatory approvals. Círculo serves more than 1,700 clients and holds 2 billion credit lines covering 80 million verified identities in Mexico. It achieved a 23% revenue CAGR between 2023 and 2025, while its revenue increased 31% during the twelve months ended June 30, 2026, with adjusted EBITDA margins in the mid-40s.
Equifax launched 54 products incorporating artificial intelligence capabilities during the first half of FY2026, and the new-product vitality index reached 16%. The products include Ignite AI Advisor, which provides insights and recommendations through a language interface, Equifax IQ for improving credit policies and detecting fraud, as well as TWN Indicator solutions. On the cost side, the company raised its artificial intelligence-related savings target from $75 million to $150 million during 2026-2028 after expanding its use in operations, technology, and administrative functions.
The rise in the 30-year fixed mortgage rate to approximately 6.6% weakened mortgage origination volumes, and the company expects a low-single-digit market decline during FY2026. Government activity in Workforce Solutions also declined approximately 4% in Q2 FY2026, and most of the impact from the $100 million in new contracts will not appear before 2027. Other risks include a slow paid transition to VantageScore, completing and integrating Círculo de Crédito, and the legal exposure reflected in the $40 million net settlement cost during the quarter.
