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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Equifax's retained earnings for the quarter that ended in Mar. 2026 was $6,549 Mil.
Equifax's quarterly retained earnings
increased
from Sep. 2025 ($6,330 Mil) to Dec. 2025 ($6,445 Mil) and
increased
from Dec. 2025 ($6,445 Mil) to Mar. 2026 ($6,549 Mil).
Equifax's annual retained earnings
increased
from Dec. 2023 ($5,609 Mil) to Dec. 2024 ($6,019 Mil) and
increased
from Dec. 2024 ($6,019 Mil) to Dec. 2025 ($6,445 Mil).
Equifax (NYSE:EFX) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Equifax Retained Earnings Historical Data
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The historical data trend for Equifax's Retained Earnings can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
Equifax (EFX) has a Retained Earnings of $6,549 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Equifax and its competitors.
Is Equifax's Retained Earnings too high?
Equifax's current Retained Earnings is $6,549 Mil. Overall, Equifax has a GF Score™ of 75/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Equifax's Retained Earnings compare to VRSK and BAH?
Equifax's Retained Earnings of $6,549 Mil can be compared against companies in the Business Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Business Services company?
A good Retained Earnings depends on the Business Services industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Equifax and its competitors. Equifax's current Retained Earnings is $6,549 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Equifax stock overvalued right now?
Based on GuruFocus' analysis, Equifax (EFX) is currently considered Significantly Undervalued. The stock's GF Value™ is $289.33, compared to a current price of $179.62 — trading 37.9% below its estimated fair value. The current Retained Earnings is $6,549 Mil. Equifax's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Equifax (EFX), the current Retained Earnings is $6,549 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Equifax (EFX) Overvalued in 2026?
Based on GuruFocus' analysis, Equifax stock appears to be undervalued.
The current stock price of $179.62 is trading 37.9% below its estimated GF Value™ of $289.33.
GuruFocus considers Equifax to be Significantly Undervalued.
Key valuation signals for EFX:
Retained Earnings: $6,549 Mil
GF Value™: $289.33 vs. price of $179.62 (37.9% below fair value)
No single metric tells the full story. See the EFX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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, about 40% of the firm's revenue comes from Workforce Solutions, which provides income verification and employer human resources services. Equifax generates about 25% of its revenue from outside the United States.
75GF Score
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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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