---
title: Equifax (EFX) — intrinsic value and fair price
canonical: https://sweetvaluelab.com/stocks/efx
ticker: EFX
as_of: 2026-10-17
sector: Industrials
industry: Consulting Services
---
# Equifax (EFX)

Equifax (EFX) closed at $161.25 on Oct 16, 2026, overvalued by 39% vs its model value of $116.17 (from a five-year discounted cash flow).

## Key figures

| Figure | Value |
| --- | ---: |
| Last close | $161.25 (Oct 16, 2026) |
| Model value (from a five-year discounted cash flow) | $116.17 |
| Price vs model | overvalued by 39% vs model |
| Range of that model | $67.13 – $268.79 |
| Market value | $18.9B |
| P/E (fiscal 2025) | 30.3 |
| Net margin (fiscal 2025) | 10.9% |
| Free cash flow (fiscal 2025) | $1.1B |
| Dividend yield (trailing twelve months) | 1.35% |
| Beta | 1.34 |
| Cost of capital (WACC) | 8.82% |
| Business classification | Mature & Stable (Low/slowing growth (~7% recent), Moderate margins (11% net margin), Pays dividends, Moderately volatile earnings, Strong FCF yield (6.0%)) |

## On the stock lists

| List | Place | Figure | Page |
| --- | ---: | ---: | --- |
| Worst performing this year | #47 | −25.7% | https://sweetvaluelab.com/lists/worst-performing-this-year |

## Dividends

| Figure | Value |
| --- | ---: |
| Trailing dividend yield | 1.35% |
| Dividends per share, last 12 months | $2.18 |
| Dividends / free cash flow (fiscal 2025) | 20.5% |
| Raised | 1 years in a row |
| Growth over 5 years | 6.9% a year |
| Latest payment | $0.56, ex-date Aug 31, 2026, paid Sep 15, 2026 |

| Year of payments | Dividends per share |
| --- | ---: |
| To Sep 3, 2021 | $1.56 |
| To Sep 2, 2022 | $1.56 |
| To Sep 5, 2023 | $1.56 |
| To Sep 3, 2024 | $1.56 |
| To Sep 2, 2025 | $1.78 |
| Trailing twelve months (to Aug 31, 2026) | $2.18 |

## Valuation models

Each model's value per share and the role the engine gave it for this business. The headline above is one model's value; every other model is listed with its own, and each has a page of its own under the valuation. Computed Oct 17, 2026.

| Model | Role | Value per share | Low | High |
| --- | --- | ---: | ---: | ---: |
| DCF · Perpetuity growth · 5y | primary | $116.17 | $67.13 | $268.79 |
| DCF · Perpetuity growth · 10y | cross check | $141.94 | $86.15 | $313.18 |
| DCF · EBITDA exit · 5y | cross check | $175.34 | $104.98 | $258.39 |
| DCF · EBITDA exit · 10y | cross check | $192.01 | $115.50 | $294.86 |
| P/E · peers | cross check | $133.75 | $124.76 | $135.53 |
| P/E · own history | cross check | $275.62 | $236.72 | $376.16 |
| PEG | sanity check | $177.22 | $177.22 | $177.22 |
| EV/EBITDA · peers | cross check | $159.93 | $157.54 | $168.41 |
| EV/Revenue · peers | cross check | $160.11 | $152.09 | $223.84 |
| Earnings power value | cross check | $33.40 | $22.79 | $48.35 |
| Dividend discount | cross check | $32.81 | $23.52 | $49.82 |

## Insider activity (SEC Form 4)

Past 90 days: 0 open-market buys ($0) and 9 open-market sales ($7.4M); 10b5-1 plan sales included.

| Date | Insider | Relationship | Transaction | Shares | Value |
| --- | --- | --- | --- | ---: | ---: |
| Sep 30, 2026 | MARCUS ROBERT D | Director | Grant / award | 255 | $34,996.2 |
| Sep 30, 2026 | Larson Barbara A | Director | Grant / award | 209 | $28,683.2 |
| Sep 3, 2026 | GAMBLE JOHN W JR | EVP, CFO & COO | Open-market sell (10b5-1 plan) | 4,500 | $845,820 |
| Aug 10, 2026 | Larson Barbara A | Director | Grant / award | 181 | $28,728.3 |
| Aug 10, 2026 | Larson Barbara A | Director | Grant / award | 160 | $28,811.2 |

## Recent SEC filings

| Filed | Form | What | Filing |
| --- | --- | --- | --- |
| Jul 29, 2026 | 8-K | 8.01 Other Events; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/33185/000119312526323760/d125882d8k.htm |
| Jul 21, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/33185/000003318526000028/efx-20260630.htm |
| Jul 21, 2026 | 8-K | 2.02 Results of Operations (Earnings); 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/33185/000003318526000024/efx-20260721.htm |
| Jun 16, 2026 | 8-K | 5.03 Amendment to Articles/Bylaws; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/33185/000119312526272759/d52077d8k.htm |
| May 13, 2026 | 8-K | 5.07 Submission of Matters to a Shareholder Vote | https://www.sec.gov/Archives/edgar/data/33185/000119312526220328/d20400d8k.htm |

## Superinvestors holding it (latest 13F)

| Manager | Quarter | Shares | Value |
| --- | --- | ---: | ---: |
| Bill Nygren | 2026-06-30 | 7,447,263 | $1.2B |
| John Armitage | 2026-06-30 | 1,481,188 | $235.1M |
| Jensen | 2026-06-30 | 370,551 | $58.8M |
| Wallace Weitz | 2026-06-30 | 191,980 | $30.5M |

10 tracked managers in all.

## About

Equifax Inc. operates as a global data and analytics company, delivering a range of information solutions and specialized human resources administrative process outsourcing services. Its clientele spans across businesses, governmental organizations, and individual consumers. The company's operations are structured into three primary divisions: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment specializes in employment-related data, offering verification services for income, employment history, criminal records, and Social Security numbers. It also provides tools for payroll-based transactions, employment tax management, and products aimed at protecting against identity theft. The U.S. Information Solutions (USIS) segment provides a comprehensive suite of services for both consumers and businesses within the United States. These off…

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Source: https://sweetvaluelab.com/stocks/efx (SweetValueLab, free, no account). Prices and statements from Financial Modeling Prep; filings from SEC EDGAR. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.