Equifax Inc. research snapshot
EFX AI stock analysis currently reads Equifax as a high-information, data-rich credit bureau and workforce verification company, not a simple momentum trade. The company has valuable proprietary data assets, a large Workforce Solutions segment, U.S. credit information exposure, international credit bureau operations, and a strategic EFX.AI narrative built on its cloud transformation. The July 8, 2026 setup is balanced because Q1 2026 revenue grew 14% to $1.649 billion and management guided FY2026 reported revenue to $6.685 billion to $6.805 billion, while the $174.58 stock reference still implies about 30.74x TTM EPS and carries mortgage-cycle, privacy, antitrust, and data-security risks. The EFX AI stock forecast therefore uses scenario ranges rather than a single price target, and it treats mortgage activity, hiring demand, regulatory pressure, free cash flow, debt, and execution on new AI-powered products as the variables that matter most.
Current price
$174.58
Market cap
$20.79 billion verified market cap
AI score
62 / 100
Rating
Durable credit data and workforce verification franchise with AI product upside, but mortgage sensitivity and regulatory risk limit certainty
Trend status
Mixed. Price is above the 50-day moving average but still below the 200-day moving average after a weak 52-week trend
Data cutoff (updated weekly)
July 8, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Equifax sells credit, identity, employment, income, fraud, marketing, and decisioning data that lenders, employers, governments, insurers, and businesses use to make risk decisions. | High |
| Moat | The moat rests on proprietary databases, regulatory permissions, data contributor relationships, model history, customer workflow integration, and scale. It is strong but politically sensitive. | Medium-high |
| Management | Mark Begor has led Equifax since 2018 and the current strategy emphasizes cloud modernization, EFX.AI, new products, free cash flow, and cash returns. Execution quality is still tested by privacy, litigation, and mortgage-cycle volatility. | Medium-high |
| Financial trend | FY2025 revenue was $6.075 billion and net income attributable to Equifax was $660.3 million. Q1 2026 revenue rose 14% to $1.649 billion and net income rose 29% to $171.5 million. | High |
| Valuation | At $174.58, EFX screens near 30.74x TTM EPS, 4.59x book value, 18.24x free cash flow per share, 3.31x sales, and 13.43x EV/EBITDA. | High |
| Technical trend | The stock is recovering above the 50-day moving average of $165.75, but it remains below the 200-day moving average of $198.43 and is still down about 33% over 52 weeks. | Medium |
| Risk level | Main risks are mortgage-volume sensitivity, hiring softness, privacy regulation, data-security failures, antitrust pressure in verification services, competition, and multiple compression. | Medium-high |
| AI confidence | Descriptive confidence is high because the data is rich and cross-checked. Return confidence is lower because a strong data franchise can still disappoint if rates, regulation, or litigation pressure valuation. | High data confidence |
| Investment certainty | EFX is a durable information-services business, but the stock needs sustained revenue growth, clean execution, and lower risk perception to justify a premium multiple. | Medium |
EFX AI stock forecast
The EFX AI stock forecast is scenario-based because Equifax combines a durable data moat with cyclical and regulatory risk. Using the $174.58 price reference, TTM EPS of $5.68, and the audited three-year model, the mechanical range points to about $80 in a bear case, $155 in a base case, and $231 in a bullish case before dividends. Upside needs stronger mortgage and hiring activity, durable EFX.AI product contribution, high free cash flow, and a premium data-services multiple that persists.
$215 to $245 before dividends
More likely if mortgage activity normalizes, Workforce Solutions grows beyond mortgage-sensitive verification, USIS maintains momentum, EFX.AI lifts new product revenue, free cash flow stays above $1 billion, and investors value EFX near a premium information-services multiple.
$145 to $175 before dividends
More likely if revenue grows high single digits to low double digits, EPS compounds, but valuation normalizes as investors balance proprietary data quality against leverage, rate sensitivity, and regulatory scrutiny.
$75 to $95 before dividends
More likely if mortgage volumes weaken again, hiring data demand slows, antitrust or privacy costs rise, a data incident damages trust, debt reduction stalls, or the market reprices EFX closer to a cyclical credit-data multiple.
EFX AI technical analysis
EFX AI technical analysis is mixed as of the July 8, 2026 data cutoff. StockAnalysis listed the July 7, 2026 market-close reference at $174.58, with a 50-day moving average of $165.75, a 200-day moving average of $198.43, RSI of 62.04, and average 20-day volume near 1.93 million shares. The short-term bounce needs confirmation because the stock remains below its longer-term trend line after a weak 52-week move.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $174.58 | StockAnalysis listed the July 7, 2026 closing reference at $174.58. |
| Immediate support | $165 to $166 | This area aligns with the 50-day moving average of $165.75 and is the first trend support to monitor. |
| Deeper support | $150 to $155 | This range overlaps the base-case valuation area from the three-year scenario model and would test whether buyers still trust the earnings path. |
| Near resistance | $180 to $185 | A move through this range would indicate buyers are extending the recovery rather than only defending the 50-day average. |
| Major resistance | $198 to $200 | This area includes the 200-day moving average of $198.43 and is the key level for a larger trend repair. |
| Moving averages | Above 50-day, below 200-day | The moving-average profile is a recovery pattern, not a confirmed long-term uptrend. |
| Momentum | RSI 62.04 | Momentum is positive enough to support a bounce, but not enough by itself to offset valuation and regulatory risk. |
| Volume | 1.93 million average 20-day volume | Rising volume above resistance would strengthen trend confidence. Heavy volume below support would weaken it. |
| Volatility | Beta 1.32 | The stock has higher-than-market volatility, so risk controls should account for earnings, rates, litigation, and policy headlines. |
| Invalidation | Close below $165, then below $150 | A sustained close below the 50-day average would reduce short-term trend confidence. A break below $150 would challenge the base-case setup. |
EFX AI trading strategy
The EFX AI trading strategy below is a rules-based research framework, not personal advice. It connects chart levels with mortgage activity, hiring demand, Workforce Solutions growth, USIS growth, international growth, free cash flow, debt, litigation, and privacy regulation.
Watch for EFX to hold above $165 to $166 and then reclaim $180 to $185 with improving mortgage, verification, USIS, and free cash flow data.
A failed reclaim followed by a close below $165 should reduce trend confidence, especially if rates rise, mortgage activity weakens, or management narrows guidance.
If EFX pulls back toward $150 to $155 without a break in revenue growth or cash generation, compare the lower price with normalized EPS, debt load, and regulatory risk.
Do not treat a lower share price as attractive if the pullback is tied to privacy penalties, antitrust pressure, a data incident, or structural weakness in verification demand.
Track mortgage activity, Workforce Solutions verification revenue, USIS online information revenue, International local-currency growth, Vitality Index, EFX.AI product adoption, adjusted EBITDA margin, free cash flow, total debt, and litigation disclosures.
Position sizing should reflect that Equifax is a regulated data company with a premium multiple and recurring headline risk, not a guaranteed compounder at any price.
Investment research summary
Customers pay Equifax because they need trusted credit, income, employment, identity, fraud, marketing, and decisioning data at the moment they approve loans, verify workers, price risk, screen accounts, or comply with rules.
The moat comes from proprietary data, The Work Number and other verification records, contributor relationships, regulatory infrastructure, model history, customer workflow integration, and scale. It is durable, but it depends on trust and permission to use sensitive data.
The thesis fails if Equifax loses data trust, regulators restrict monetization, antitrust pressure reduces verification economics, mortgage and hiring markets stay weak, competitors narrow model performance, or leverage limits flexibility.
Management has focused on cloud transformation, EFX.AI, new product innovation, free cash flow, buybacks, and dividends. The next proof point is whether these investments generate per-share value after litigation, compliance, and debt costs.
Credit risk, identity verification, income verification, fraud detection, and automated underwriting are long-term data and analytics trends. The offset is that consumer data is politically sensitive and mortgage-related demand remains interest-rate driven.
At $174.58, EFX prices in a valuable data franchise and a recovery in earnings. Margin of safety improves if free cash flow grows while debt declines, or if the stock falls closer to the base-case range without a structural decline in data demand.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| EFX quote reference | $174.58 market-close reference on July 7, 2026, up 1.54% on the day | StockAnalysis EFX statistics | July 8, 2026 |
| Market capitalization verification | $20.79 billion calculated from $174.58 x 119.07 million shares, 0.01% variance from reported market cap | Pineify financial_rigor.py and StockAnalysis EFX statistics | July 8, 2026 |
| Shares outstanding | 119.07 million shares outstanding | StockAnalysis EFX statistics | July 8, 2026 |
| FY2025 revenue | $6.0745 billion from Equifax, cross-checked against StockAnalysis and Macrotrends at about $6.075 billion | Equifax Q4 2025 earnings release | July 8, 2026 |
| FY2025 net income attributable to Equifax | $660.3 million, cross-checked against StockAnalysis net income to common | Equifax Q4 2025 earnings release | July 8, 2026 |
| Q1 2026 revenue and net income | $1.6489 billion revenue, up 14%; $171.5 million net income attributable to Equifax, up 29% | Equifax Q1 2026 earnings release | July 8, 2026 |
| Q1 2026 segment revenue | Workforce Solutions $683.1 million, USIS $605.6 million, International $360.2 million | Equifax Q1 2026 earnings release | July 8, 2026 |
| FY2026 revenue guidance | $6.685 billion to $6.805 billion reported revenue guidance, with adjusted EPS guidance of $8.34 to $8.74 | Equifax Q1 2026 earnings release | July 8, 2026 |
| Cash and debt | $183.4 million cash and equivalents, $5.31 billion total debt, and negative $5.12 billion net cash on a TTM balance-sheet basis | StockAnalysis EFX balance sheet and statistics | July 8, 2026 |
| Valuation ratios | 30.74x TTM PE, 4.59x PB, 18.24x P/FCF, 5.48% FCF yield, and 1.28% dividend yield verified with financial_rigor.py | Pineify financial_rigor.py and StockAnalysis EFX statistics | July 8, 2026 |
| Technical references | 50-day moving average $165.75, 200-day moving average $198.43, RSI 62.04, average 20-day volume 1.93 million | StockAnalysis EFX statistics | July 8, 2026 |
| Management reference | Mark W. Begor served as CEO in 2025 and had 8 years at Equifax at year end 2025 | Equifax 2026 proxy statement | July 8, 2026 |
This EFX AI stock analysis page is an informational research tool only. It is not investment advice, not a recommendation to buy or sell Equifax Inc. stock, and not a personalized trading plan. Forecast scenarios are based on available public data, market references, and explicit assumptions as of the stated data cutoff date, and they can be wrong.
