$161.29
$220.30
+36.6%
10/10
C
Growth
Investment Thesis
Good opportunity: Solid company with good risk/reward at 10.0:1.
For New Investors
Quantitative score: high
For Current Holders
Quantitative score: neutral
Buy if
- Price drops 15-20% (improves asymmetry)
- Bull scenario catalysts materialize
- Market-wide correction creates opportunity
Sell if
- Bear scenario triggers occur
- Quality metrics deteriorate (ROIC declining)
- Better alternatives emerge
Valuation
Fair Value estimate: $220.30 (+36.6%). Significantly undervalued.
PEG-Based EPS
$241.94
FCF DCF Model
$241.94
EV/EBITDA
$241.94
Blended Fair Value
$220.30
Confidence
High
Methods
PEG-Based EPS, FCF 2-Stage DCF, EV/EBITDA, Revenue Multiple
Quality Analysis
60/120 points
Investable
ROE (3Y Avg)
13.0%
ROIC-WACC Spread
0.9%
D/E Ratio
1.1x
Current Ratio
0.6x
Interest Coverage
5x
FCF Positive Years
3/3
Quality Flags
- Low ROE: 13.0% (need >14%, got 18/20 pts)
- ROIC spread: 0.9pp (got 2/25 pts)
- Leverage: D/E 1.1x (8/15 pts)
- Liquidity: Current Ratio 0.60 (2/10 pts)
- Volatile gross margins: std dev 5.9pp (need <5.0pp)
Market Sentiment
Wall Street Consensus
$222.00
+37.6% Upside
21 analysts
Range: $195.00 — $265.00
Rating: Buy
Our model aligns with Wall Street consensus.
Trend & Technical
Insufficient data to calculate SMA 200.
Technical analysis unavailable
Risk & Reward
Asymmetry Ratio
10.00:1
Expected Return
+32.0%
Bull Upside
+79.3%
Bear Downside
-7.2%
Excellent asymmetry: >3:1 ratio. Upside significantly outweighs downside.
Verdict: Very Favorable
Scenario Analysis
Bear
Base
Bull
Buy Zone & Action Plan
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AI Executive Summary
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Technical Analysis
RSI, MACD, moving averages, trend signals, and momentum indicators.
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Frequently Asked Questions
What is the fair value of EFX?
Based on our multi-method conviction analysis, the estimated fair value of Equifax Inc. (EFX) is $220.30. This is calculated by blending PEG-Based EPS, FCF 2-Stage DCF, EV/EBITDA, Revenue Multiple and applying a quality premium of 0% based on the company's fundamentals. The confidence level of this estimate is high.
Is EFX a buy, sell, or hold?
EFX currently has a BUY rating with a conviction score of 10/10. Good opportunity: Solid company with good risk/reward at 10.0:1. Quantitative score: high.
Is EFX a high-quality stock?
Equifax Inc. has a quality grade of C (60/120 points), rated as Investable. Key metrics include ROE of 13.0%, ROIC-WACC spread of 0.9%, and D/E ratio of 1.1x.
What type of stock is EFX?
EFX is classified as a "growth" in our framework. High P/E: 28.4x, Low dividend (reinvesting): 1.3%, Mature growth: 5.6%, High beta (cyclical behavior): 1.35, Cyclical sector: Industrials
What do Wall Street analysts say about EFX?
21 Wall Street analysts have a consensus price target of $222.00 for EFX, representing +37.6% upside. Targets range from $195.00 to $265.00. The consensus recommendation is "Buy". Our model aligns with Wall Street consensus.
What are the risks of investing in EFX?
The risk/reward asymmetry ratio for EFX is 10.00:1, rated as Very Favorable. Excellent asymmetry: >3:1 ratio. Upside significantly outweighs downside. The expected return is +32.0%, with bull case upside of +79.3% and bear case downside of -7.2%.
What is the current trend for EFX?
EFX is in a unknown trend. Insufficient data to calculate SMA 200. The technical score is —/100.
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Last updated: May 19, 2026 · Framework version 3.7
This analysis is for informational purposes only and should not be considered financial advice. Always do your own research before making investment decisions.