Analysis for EFX
$161.26
+10.90
(+7.25%)
- 📈 Growth — 24/30
- 💰 Profitability — 18/20
- 🏦 Financial Health — 17/20
- 💵 Valuation — 14/20
- ⚠️ Risk — 5/10
Overall Score: 78/100
Summary:
📈 Growth & Financial Trajectory
Over 8 quarters, revenue rose from about $1.389B (2024 Q1) to $1.649B (2026 Q1). Net income grew from about $133.8M to $171.5M, a ~28% increase, with a peak around mid-2025 ($191.3M).
💰 Margins & Cash Flow
Operating margin stayed in the high teens (roughly 18–21%). Cash flow from operations was consistently positive, peaking at $559.9M in 2025 Q3 and staying strong into Q4’25 and Q1’26. Investing/financing cash flows fluctuated, but OCF largely funded activity.
🛡️ Balance Sheet & Liquidity
Total assets ~ $11.8–12.0B; liabilities around $6.7–7.6B; debt near $5.0B; equity ~ $4.9–5.0B. The base is robust, though near-term working capital shows pressure with some quarters where current liabilities exceed current assets.
⚠️ Key Drivers & Risks
- Drivers: AI/Data analytics demand; digital onboarding/identity verification in financial services
- Risks: Regulatory/privacy exposure; macro sensitivity to consumer credit cycles
📊 Key Financial Fundamentals
Valuation Multiples
Market Cap
$19.24B
P/E Ratio
27.83
Forward P/E
18.56
P/S Ratio
2.99
P/B Ratio
4.31
EV / EBITDA
12.98
Profitability & Returns
Gross Margin
55.54%
Operating Margin
17.85%
Net Margin
10.73%
ROE
14.98%
ROIC
7.06%
Financial Health & Liquidity
Current Ratio
0.60
Quick Ratio
0.54
Financial Scale & Cash Flow
Revenue
$6.44B
Net Income
$0.69B
FCF Yield
5.74%
Free Cash Flow
$1.11B
Total Debt To Equity
1.25