What is EFX's intrinsic value?

TickerWorth's valuation lenses put Equifax Inc. (EFX) between $60.14 and $246.57 per share, versus a market price of $161.25. They disagree too widely for us to state a single fair value, so we publish the range.

Is EFX overvalued or undervalued?

At $161.25 the price sits inside a range too wide to call either way. We don't call EFX overvalued or undervalued from a range this wide. This is an educational estimate, not advice.

What discount rate is used for EFX?

A WACC of 10.1% and a terminal growth rate of 2.5%.

Is Equifax stock undervalued?

TickerWorth's fair-value range for Equifax Inc. (EFX) is $60.14 – $246.57 against a market price of $161.25. Too wide to call. We publish a range here, not one number, so we do not call it over- or undervalued. This is a model estimate, not investment advice.

Equifax (EFX) DCF valuation and fair value

Our fair-value range for Equifax Inc. (EFX) is $60.14 – $246.57, built on a 10.1% discount rate (WACC) and 2.5% terminal growth. It blends our discounted-cash-flow model with other valuation lenses. Every assumption is listed on this page with its source.

What growth is priced into Equifax stock?

Today's price implies revenue growth of 18.2% a year for 5 years; our model assumes 6.7% a year on average over the same horizon. This is a reverse DCF: it holds our cash-flow model's other inputs and solves for the revenue growth that makes the model equal today's price of $161.25. A model estimate, not investment advice.

Equifax (EFX) insider trading

The most recent insider filing (SEC Form 4) for Equifax Inc. (EFX): GAMBLE JOHN W JR, EVP, CFO & COO, open-market sale on 2026-09-03. The latest filings are listed on this page. A disclosure, not a signal to trade.

EFX · Intrinsic value

Is Equifax Inc. (EFX) overvalued or undervalued?

Name: Equifax Inc. (EFX) DCF intrinsic value
Creator: TickerWorth

As of Oct 19, 2026, TickerWorth's valuation lenses put Equifax Inc. (EFX) at $60.14 – $246.57, too broad a range to say where the delayed market price of $161.25 sits in it, so we do not call it over- or undervalued. It is a model estimate, and every input behind it is sourced below.

Model by Miraaj Patel · generated from a hand-researched model · Updated Oct 19, 2026 · How these pages are made

Open full EFX analysis

What is EFX worth?

Backup data source

This price comes from our backup market-data feed.

Fair-value range: $60.14 – $246.57
Market price: $161.25
Gap to fair value: —
Verdict: Too wide to call

Price as of 19 Oct 2026, 13:16 UTC · Prices are delayed.Our valuation lenses disagree too widely on this company for us to publish a single number, so we publish the range instead. We do not call it over- or undervalued from a spread this wide.

Fair-value range against the delayed market price: Too wide to call.

Reverse DCF: Today's price implies revenue growth of 18.2% a year for 5 years; our model assumes 6.7% a year on average over the same horizon.

What is EFX's TickerWorth Score?

D44/100

Scores lower than most companies we compare it with

Compared with Industrials companies in US

Its strongest point: a profitable, high-quality business. Its weakest: balance sheet looks stretched.

Value · 59 of 100
Cheaper than 59% of Industrials companies in US
Price vs worth · 35 of 100
Quality · 63 of 100
More profitable than 63% of Industrials companies in US
Financial health · 18 of 100
Financially stronger than 18% of Industrials companies in US
Growth · 47 of 100
Growing faster than 47% of Industrials companies in US
Momentum · 18 of 100
Outperformed 18% of Industrials companies in US over the past year

Confidence: Medium confidence · Scored 19 Oct 2026, 13:16 UTC

Get the Undervalued Company of the Week.

Where the numbers come from

Hand-researched model

What the modeller flagged

YEAR-1 FCF IS ~29% BELOW EQUIFAX'S LAST REPORTED FCF ($800M modeled, before interest, vs $1,134.3M reported for FY2025, after interest) - past the 20% line, so stated. It decomposes: ~$250M of acquired-intangible amortization not added back (the house depreciation-only method), ~$33M of working capital on the year's growth, ~$63M from depreciation set at the 6.5% steady state rather than today's 7.45%, and capex taken at the H1 run-rate; partly offset because the model's FCF is before ~$150M of after-tax interest. Management expects 2026 FCF above $1B on its own (after-interest) definition.
TERMINAL VALUE IS ~73% OF ENTERPRISE VALUE - just under the 75% line. Implied exit multiple 7.3x 2030 EBITDA (EBITDA here includes depreciation only, not acquired amortization).
THE DISCOUNT RATE IS MOST OF THE DISAGREEMENT. WACC 10.14% on the published beta of 1.341. The market price needs a beta of ~0.63 (WACC ~7.5%), 18% annual revenue growth for five years, a 33% operating margin from 2027, or 5.7% growth forever. Even management's own framework (8% growth, margin to 23%) discounted at the house rate gives ~$91.
REGULATORY RISK IS ONLY PARTLY MODELED. The 2027 haircut is a judgement; neither Equifax nor its filings have quantified bi-merge or VantageScore effects. A severe case (2027 growth 2%, margins stalled near 18-20%) gives ~$65. A world in which bi-merge is abandoned and mortgage volumes recover would push the other way.
NOT ANCHORED ON THE AUTOMATIC MODEL. TickerWorth's automatic model showed EFX about +60% undervalued. Re-running the automatic build locally on 2026-10-06 gives ~$72 (about -49%), close to this model, so the +60% figure looks like a stale or since-corrected automatic result rather than something the filings support.

Why EFX gets a range, not one number

At a recent price of $161.25, Equifax Inc. (EFX) sits inside a range too wide to call either way: our valuation lenses put the business somewhere between $60.14 and $246.57 per share. They disagree too widely for us to state a single fair value. We publish the range rather than a midpoint because a number that precise would claim more than the methods can support. This is an educational model, not a price target or a recommendation.

Read the full reasoning

The valuation discounts Equifax Inc.'s projected free cash flows at a weighted-average cost of capital (WACC) of 10.1%, with a long-run terminal growth rate of 2.5%. About 73% of the enterprise value comes from the terminal value — the portion beyond the explicit forecast window — which is typical for a stable, cash-generative business and a reminder that small changes in the discount rate or terminal growth assumption swing the intrinsic value meaningfully.

Running the DCF in reverse — solving for the growth the current price already assumes — the market is implying roughly 18.2% annual revenue growth for EFX. Our base case instead compounds to about 6.7% a year over the same forecast, so the market is pricing in materially faster growth than our base case. The reverse-DCF is a quick sanity check: it reframes 'is this stock cheap?' as 'do I believe the growth the price requires?' rather than arguing over a single point estimate of fair value.

Sensitivity matters more than any single number. Across a reasonable band of discount-rate assumptions, EFX's modeled DCF value ranges from about $46.17 to $129.60 per share. If that range still sits below today's price, the market is optimistic relative to the model across the whole band; if it brackets the price, the stock is roughly fairly valued on our assumptions. Use the interactive slider to see exactly where your own cost-of-capital view lands.

How to read this page: the DCF fair value is what Equifax Inc. would be worth if its cash flows grow as modeled and are discounted at the stated WACC. The assumptions table shows every input and its source; the reverse-DCF shows what the market believes; the sensitivity band shows how fragile the answer is. None of this is investment advice — it is a transparent, auditable framework for forming your own view of EFX's intrinsic value. Figures update as new filings and prices come in.

Every input behind EFX's DCF

Input	Value	Source
Base-year revenueEquifax FY2025 10-K (accession 0000033185-26-000010, filed 2026-02-19): us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax, FY2025 = $6,074.5M, +6.9% on FY2024's $5,681.1M. Segments (10-K): Workforce Solutions $2,582.3M (43%, 44.2% operating margin), U.S. Information Solutions (USIS) $2,078.5M (34%, 22.9%), International $1,413.7M. Calendar fiscal year. UNCHANGED as the base; 2026 belongs in the forecast. CROSS-CHECK: H1 2026 revenue $3,349.0M (Q1 $1,648.9M + Q2 $1,700.1M), +12.4% on H1 2025's $2,979.0M. About 4 points of Q2's 11% growth was FICO mortgage-score royalties that Equifax passes through at roughly zero margin (Q2 slides as reported by Investing.com: '7% excluding FICO mortgage royalties').	$6,074,500,000	Equifax FY2025 10-K (accession 0000033185-26-000010, filed 2026-02-19): us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax, FY2025 = $6,074.5M, +6.9% on FY2024's $5,681.1M. Segments (10-K): Workforce Solutions $2,582.3M (43%, 44.2% operating margin), U.S. Information Solutions (USIS) $2,078.5M (34%, 22.9%), International $1,413.7M. Calendar fiscal year. UNCHANGED as the base; 2026 belongs in the forecast. CROSS-CHECK: H1 2026 revenue $3,349.0M (Q1 $1,648.9M + Q2 $1,700.1M), +12.4% on H1 2025's $2,979.0M. About 4 points of Q2's 11% growth was FICO mortgage-score royalties that Equifax passes through at roughly zero margin (Q2 slides as reported by Investing.com: '7% excluding FICO mortgage royalties').
Base EBIT marginEquifax FY2025 10-K (accession 0000033185-26-000010, filed 2026-02-19): us-gaap:OperatingIncomeLoss $1,095.2M / $6,074.5M = 18.03% (10-K KPI table: 18.0%; FY2024 18.3%, FY2023 17.7%). GAAP, and deliberately NOT adjusted: it carries ~$121M (2.0% of revenue) of items Equifax excludes from its adjusted figures - realignment $49.9M, acquisition costs $35.0M, a $30.0M legal settlement, antitrust costs $5.4M, 2017-breach accruals $1.0M (4Q25 release, reconciliation B). FY2024 carried ~$132M of the same kinds of items, so they recur every year and are treated as a cost of doing business. It also carries $250.2M of acquired-intangible amortization (us-gaap:AmortizationOfIntangibleAssets), which this model keeps as a real cost (see da_pct_revenue). CROSS-CHECK H1 2026: $601.9M / $3,349.0M = 17.97%, against 18.35% in H1 2025 - but H1 2026 includes a $40M net legal-settlement charge (a $100M accrual less $60M expected insurance, for the 2022 credit-score coding issue); without it H1 is 19.2%.	18.0%	Equifax FY2025 10-K (accession 0000033185-26-000010, filed 2026-02-19): us-gaap:OperatingIncomeLoss $1,095.2M / $6,074.5M = 18.03% (10-K KPI table: 18.0%; FY2024 18.3%, FY2023 17.7%). GAAP, and deliberately NOT adjusted: it carries ~$121M (2.0% of revenue) of items Equifax excludes from its adjusted figures - realignment $49.9M, acquisition costs $35.0M, a $30.0M legal settlement, antitrust costs $5.4M, 2017-breach accruals $1.0M (4Q25 release, reconciliation B). FY2024 carried ~$132M of the same kinds of items, so they recur every year and are treated as a cost of doing business. It also carries $250.2M of acquired-intangible amortization (us-gaap:AmortizationOfIntangibleAssets), which this model keeps as a real cost (see da_pct_revenue). CROSS-CHECK H1 2026: $601.9M / $3,349.0M = 17.97%, against 18.35% in H1 2025 - but H1 2026 includes a $40M net legal-settlement charge (a $100M accrual less $60M expected insurance, for the 2022 credit-score coding issue); without it H1 is 19.2%.
Forecast revenue growthESTIMATEAssumption — TickerWorth's 5-year explicit forecast	11% → 5% → 6% → 6% → 5%	ESTIMATEAssumption — TickerWorth's 5-year explicit forecast
Risk-free rateUS 10Y Treasury constant maturity (FRED DGS10): 5.24% on 2026-10-01, the latest published observation; the program-wide rate shared by every researched model.	5.2%	US 10Y Treasury constant maturity (FRED DGS10): 5.24% on 2026-10-01, the latest published observation; the program-wide rate shared by every researched model.
BetaYahoo Finance / yfinance published 5Y-monthly beta: Published 1.341, used as is - no normalization, the same policy as Lennox and A. O. Smith in this tracker. A credit bureau is often thought of as a steady toll road, which argues lower; but EFX's returns carry the mortgage cycle, the 2017 breach and now regulatory shocks (the stock fell from ~$189 at end-August to ~$137 at end-September), which argues the measured figure is honest. Each 0.1 of beta is worth roughly $6-9/share; at 1.0 the value is ~$100, and only a beta of ~0.63 (WACC ~7.5%) reaches today's price.	1.34	Yahoo Finance / yfinance published 5Y-monthly beta: Published 1.341, used as is - no normalization, the same policy as Lennox and A. O. Smith in this tracker. A credit bureau is often thought of as a steady toll road, which argues lower; but EFX's returns carry the mortgage cycle, the 2017 breach and now regulatory shocks (the stock fell from ~$189 at end-August to ~$137 at end-September), which argues the measured figure is honest. Each 0.1 of beta is worth roughly $6-9/share; at 1.0 the value is ~$100, and only a beta of ~0.63 (WACC ~7.5%) reaches today's price.
Terminal growthESTIMATEAssumption — house default: House default 2.5% (roughly long-run nominal GDP), kept for comparability. Arguably conservative for a data business whose long-term framework is 7-10% growth; 3.0% adds ~$7/share. Must remain < WACC of 10.14%.	2.5%	ESTIMATEAssumption — house default: House default 2.5% (roughly long-run nominal GDP), kept for comparability. Arguably conservative for a data business whose long-term framework is 7-10% growth; 3.0% adds ~$7/share. Must remain < WACC of 10.14%.
Diluted sharesEquifax Q2 2026 10-Q (accession 0000033185-26-000028, filed 2026-07-21): Q2 2026 weighted-average diluted shares 119.2M (H1 119.9M; FY2025 124.1M). The count is FALLING: Equifax bought back 4.0M shares in 2025 and ~2.8M in H1 2026 ($560M) under a $3B authorization; 117.6M were outstanding at 2026-06-30. Further Q3 buybacks are not reflected (no filing yet); they would be roughly value-neutral at fair prices.	119M	Equifax Q2 2026 10-Q (accession 0000033185-26-000028, filed 2026-07-21): Q2 2026 weighted-average diluted shares 119.2M (H1 119.9M; FY2025 124.1M). The count is FALLING: Equifax bought back 4.0M shares in 2025 and ~2.8M in H1 2026 ($560M) under a $3B authorization; 117.6M were outstanding at 2026-06-30. Further Q3 buybacks are not reflected (no filing yet); they would be roughly value-neutral at fair prices.
Market priceBackup price feed · as of 2026-10-19 13:16 UTC	$161.25	Backup price feed · as of 2026-10-19 13:16 UTC

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What does Equifax Inc. do?

What does it do?

Equifax Inc. operates as a data, analytics, and technology company. It operates in the Consulting Services industry (Industrials sector), headquartered in United States. The company employs roughly 15,000 people.

How does it make money?

The business turns $6.4B in annual revenue into profit. Out of every $100 of sales, about $17 is left as operating profit (operating margin of 17.3%), after a 56% gross margin on the products/services it sells. After all costs, taxes and interest, 10.7% of revenue becomes bottom-line net profit.

Is it financially healthy?

Financially it looks stretched: carries moderate debt (1.2× equity), may struggle to cover its short-term bills (0.6× current ratio), and is currently profitable.

Who at EFX filed insider trades?

Recent insider filings for Equifax Inc.
Date	Insider	Relationship	What happened	Value	Filing
3 Sept 2026	GAMBLE JOHN W JR	EVP, CFO & COO	Open-market sale	$845,820.00	Form 4 for GAMBLE JOHN W JR (opens sec.gov in a new tab)
24 Jul 2026	Begor Mark W	Director, CEO	Option exercise	$4,249,975.86	Form 4 for Begor Mark W (opens sec.gov in a new tab)
24 Jul 2026	Begor Mark W	Director, CEO	Open-market sale	$87,926.00	Form 4 for Begor Mark W (opens sec.gov in a new tab)
24 Jul 2026	Begor Mark W	Director, CEO	Open-market sale	$101,914.98	Form 4 for Begor Mark W (opens sec.gov in a new tab)
24 Jul 2026	Begor Mark W	Director, CEO	Open-market sale	$101,084.82	Form 4 for Begor Mark W (opens sec.gov in a new tab)
24 Jul 2026	Begor Mark W	Director, CEO	Open-market sale	$227,385.99	Form 4 for Begor Mark W (opens sec.gov in a new tab)

A disclosure, not a signal to trade. Source: SEC EDGAR (Form 4). Older filings and the 90-day buying-and-selling read are part of Pro. See plans

Common questions

What is EFX's intrinsic value?
TickerWorth's valuation lenses put Equifax Inc. (EFX) between $60.14 and $246.57 per share, versus a market price of $161.25. They disagree too widely for us to state a single fair value, so we publish the range.
Is EFX overvalued or undervalued?
At $161.25 the price sits inside a range too wide to call either way. We don't call EFX overvalued or undervalued from a range this wide. This is an educational estimate, not advice.
What discount rate is used for EFX?
A WACC of 10.1% and a terminal growth rate of 2.5%.
Is Equifax stock undervalued?
TickerWorth's fair-value range for Equifax Inc. (EFX) is $60.14 – $246.57 against a market price of $161.25. Too wide to call. We publish a range here, not one number, so we do not call it over- or undervalued. This is a model estimate, not investment advice.
Equifax (EFX) DCF valuation and fair value
Our fair-value range for Equifax Inc. (EFX) is $60.14 – $246.57, built on a 10.1% discount rate (WACC) and 2.5% terminal growth. It blends our discounted-cash-flow model with other valuation lenses. Every assumption is listed on this page with its source.
What growth is priced into Equifax stock?
Today's price implies revenue growth of 18.2% a year for 5 years; our model assumes 6.7% a year on average over the same horizon. This is a reverse DCF: it holds our cash-flow model's other inputs and solves for the revenue growth that makes the model equal today's price of $161.25. A model estimate, not investment advice.
Equifax (EFX) insider trading
The most recent insider filing (SEC Form 4) for Equifax Inc. (EFX): GAMBLE JOHN W JR, EVP, CFO & COO, open-market sale on 2026-09-03. The latest filings are listed on this page. A disclosure, not a signal to trade.