Analysis for EFX
- 📈 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