Along with Experian and TransUnion, Equifax is one of the leading credit bureaus in the United States. Equifax's credit reports provide credit histories on millions of consumers, and the firm's services are critical to lenders' credit decisions. In addition, over 40% of the firm's revenue comes from workforce solutions, which provides income verification and employer human resources services. Equifax generates just over 20% of its revenue from outside the United States.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	0.04
Equity-to-Asset	0.37
Debt-to-Equity	1.23
Debt-to-EBITDA	3.49
Interest Coverage	3.91
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	3.5	Distress Grey Safe
Beneish M-Score	-2.62	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	8.1
	3-Year EBITDA Growth Rate	8.5
	3-Year EPS without NRI Growth Rate	16.5
	3-Year FCF Growth Rate	-0.9
	3-Year Book Growth Rate	12.2
	Future 3-5Y EPS without NRI Growth Rate	18.46
	Future 3-5Y Total Revenue Growth Rate	12.2

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	49.95
	9-Day RSI	39.73
	14-Day RSI	38.21
	6-1 Month Momentum %	52.11
	12-1 Month Momentum %	33.91

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.73
	Quick Ratio	0.73
	Cash Ratio	0.1
	Days Sales Outstanding	64.61
	Days Payable	27

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.7
	Dividend Payout Ratio	0.25
	Forward Dividend Yield %	0.7
	5-Year Yield-on-Cost %	0.7
	3-Year Average Share Buyback Ratio	-0.4
	Shareholder Yield %	0.82

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	55.49
	Operating Margin %	17.81
	Net Margin %	10.42
	FCF Margin %	12.05
	ROE %	12.89
	ROA %	4.65
	ROIC %	6.28
	ROC (Joel Greenblatt) %	50.98
	ROCE %	9.46
	Years of Profitability over Past 10-Year	9

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	49.76
	Forward PE Ratio	30.03
	PE Ratio without NRI	35.3
	Shiller PE Ratio	54.49
	Price-to-Owner-Earnings	40.73
	PEG Ratio	0.65
	PS Ratio	5.19
	PB Ratio	6.05
	Price-to-Free-Cash-Flow	43.15
	Price-to-Operating-Cash-Flow	22.79
	EV-to-EBIT	33.86
	EV-to-Forward-EBIT	26.36
	EV-to-EBITDA	20.52
	EV-to-Forward-EBITDA	17.45
	EV-to-Revenue	6.17
	EV-to-Forward-Revenue	5.82
	EV-to-FCF	51.33
	Price-to-Projected-FCF	3.5
	Price-to-Median-PS-Value	1.05
	Earnings Yield (Greenblatt) %	2.95
	FCF Yield %	2.33
	Forward Rate of Return (Yacktman) %	-10.61

GF Value: €219.8

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