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EFEFX

Equifax Inc.

$EFX·$21B·Consulting Services·Industrials
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X counts updated 10h ago
EFEFX
$EFXEquifax Inc.
——65 posts4×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $EFX on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

65X posts · last 7 days
Aug 29Sep 6
Chatter Meter
4×
QuietNormal · 1×Loud

How loud $EFX's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's running louder than usual, louder than 98% of tracked names.

Bearish sentimentAI analysisGenerated by AI from underlying data7 posts analyzed · as of 2026-09-06

Bearish, with Equifax down about 10% on the FHFA ordering Fannie Mae and Freddie Mac to approve all lenders for VantageScore while considering a bi-merge credit-scoring shift that sent FICO -11.6% and TRU -11.4% alongside. Counter-takes argue the bi-merge dynamic may actually be bullish for the credit bureaus over time, but the tape read stays negative.

Read what X is saying about $EFX

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $EFX — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersSelling offAI verdict · as of 2026-09-07

Falling on heavy selling — points lower unless it turns around.

Equifax got hit by the FHFA VantageScore order alongside FICO and TRU — the credit-bureau debate is real.

Equifax is one of the three US consumer-credit bureaus — the equity took an ~11% hit alongside FICO and TransUnion on the Sept 4 FHFA order forcing Fannie and Freddie to approve VantageScore for all lenders.

  • The financials are running — Q2 revenue up 10.6% YoY to $1.70B, gross margin 44%, operating margin 18%, ROE 15%; analyst estimates model FY26 EPS at $8.56 rising to $10.16 next year — an 18% growth ramp on a $178 stock at ~18x forward.
  • The FHFA VantageScore dynamic is the load-bearing debate — Equifax is not a VantageScore co-owner (unlike TransUnion), so the direct impact is more clearly negative than for TRU; counter-takes argue the bi-merge credit-scoring shift may be bullish over time by reducing mortgage-tri-merge fees, but that's a longer-run positive against a near-term revenue hit.
  • The institutional flow is quiet-constructive — Bank of New York Mellon taking a position and Diamond Hill Small-Mid Cap's Q2 portfolio review inclusion; no insider transactions in the recent window and no cluster of concern.

An October 20 print with US Information Solutions revenue growth stable and any FHFA-order-impact quantification is what would slow the fade. A further FHFA policy shift on tri-merge fees, or an earnings-driven-refinancing-risk update, is what confirms breaking-down.

Agrees with X sentimentX is bearish for defensible reasons — the FHFA VantageScore order sent EFX -10% alongside FICO and TRU. The counter-take on bi-merge being potentially bullish long-term is fair but not yet proven; the near-term negative tape is honest.

What to watch: October 20 Q3 earnings — US Information Solutions revenue, tri-merge fee sensitivity, and any FHFA-order impact commentary; a stable USIS quarter with clear impact quantification slows the fade, another FHFA policy shift or refinancing surprise confirms breaking-down.

On the calendar: 2026-10-20 — Q3 earnings

fhfa vantagescore hitbi merge credit debateno vantagescore ownershipbny new position

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  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

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 offerings include extensive credit data and scoring, sophisticated credit modeling and portfolio analytics, identity verification and fraud detection/prevention services, and various consulting options. Additionally, USIS supports mortgage services, financial marketing initiatives, identity management solutions, credit monitoring products, and online decisioning technology solutions, alongside portfolio management and mortgage reporting services. Globally, the International segment delivers similar information service products, encompassing consumer and commercial credit and financial data, credit scoring, and advanced modeling. This division also provides credit-related marketing products and services, as well as technology and support for debt collection and recovery management. Equifax serves a diverse array of industries, including financial services, mortgage, employment, telecommunications, retail, automotive, utilities, brokerage, healthcare, and insurance, in addition to federal, state, and local governments. With a substantial international presence, the company conducts business in numerous countries, including the United States, Canada, Australia, New Zealand, India, the United Kingdom, Spain, Portugal, Argentina, Brazil, Mexico, and many other nations across Latin America, Europe, Asia, and the Middle East. Founded in 1899, Equifax maintains its corporate headquarters in Atlanta, Georgia.

Industry overviewAI analysisGenerated by AI from underlying data

Where Consulting Services sits in its cycle right now — and what that implies for $EFX.

Consulting Services · Industrials

AI strategy consulting demand is booming as enterprises seek external guidance on GenAI implementation; traditional management consulting faces fee pressure from clients insourcing AI tools. Consulting firms with proprietary AI platforms command premium rates.

What this means for $EFX

Direct beneficiary — Equifax data analytics; AI-driven workforce analytics and mortgage verification growing, Workforce Solutions high margin.

Industry benchmark

4-name peer basket
+29.1%YTD
-46.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
30.9How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
7.9%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
17.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
5.3%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
3.2Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
15.0%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
44.4%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.2Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 21, 2026$2.25$2.20+2.3%
Q1 2026Apr 21, 2026$1.86$1.69+10.1%
Q4 2025Feb 4, 2026$2.09$2.06+1.5%
Q3 2025Oct 21, 2025$2.04$1.94+5.2%
Next earningsTue, Oct 20·consensus EPS $2.21

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$1.7B+10.6%54.5%18.5%$1.55$204.8M
Q1 FY26$1.6B+14.3%53.5%17.4%$1.43$121.5M
Q4 FY25$1.6B+9.2%11.0%18.3%$1.45$340.8M
Q3 FY25$1.5B+7.2%57.1%17.1%$1.30$437.9M

Forward consensus

5-year forecast · up to 17 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$6.7B$6.7B – $6.8B$8.56$8.20 – $8.6817
FY27$7.4B$7.2B – $7.6B$10.16$9.51 – $11.0016
FY28$8.1B$7.6B – $8.8B$12.25$11.56 – $12.7812
FY29$8.2B$8.0B – $8.6B$13.53$12.94 – $14.2810
FY30$8.6B$8.3B – $9.0B$13.50$12.91 – $14.246

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.2.3×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.22%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-0.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-5.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 117.0M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.3% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.305-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJul 24Mark W BegorCEO37.8K sh$6.5MSellMay 7Chad M BortonEVP, Pres Workforce Solutions2.5K sh$427KSellMay 1John W GambleCFO3.5K sh$618KSellApr 24Mark W BegorCEO37.8K sh$6.5M
+ 15 other (12 awards · 2 exempts · 1 inkind) in window

See when $EFX insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
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Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

EFX Gains From Data Advantage & Innovations Amid Refinancing Riskszacks.com·5d agoContrasting Equifax (NYSE:EFX) & Falcon’s Beyond Global (NASDAQ:FBYD)defenseworld.net·7d agoDiamond Hill Small-Mid Cap Strategy Q2 2026 Portfolio Reviewseekingalpha.com·13d agoBank of New York Mellon Corp Takes Position in Equifax, Inc. $EFXdefenseworld.net·13d agoB. Metzler seel. Sohn & Co. AG Buys New Shares in Equifax, Inc. $EFXdefenseworld.net·13d ago

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