EFX
EquifaxNYSEIndustrialsConsulting ServicesSnapshot 2026-05-08
As of May 8, 2026, EFX has a composite score of 25.9, indicating a "mild favorable" signal. The score is driven by a high confidence level of 88.6 and a guidance credibility of 100.0. Key factors influencing the score include macroeconomic conditions related to growth and labor, with a moderate risk label and an inexpensive valuation score of 79.5.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share1.00
- Slope (norm)-0.03
- Bonus0.00
Why this rank
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $2.26 → $2.20 (-2.6% / 30d). 3 raised, 14 cut, 19 covering analysts.
0 upgrades, 0 downgrades / 30d, 6 maintained. 71% of analysts rate Buy.
2 PT revisions / 30d. Avg target 21.8% above current price.
0 positive, 1 negative / 30d. See F4 management tile for the event list.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
3 material events in the last 24 months — top 3 listed below.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Maintain 2026 revenue growth guidancegrowthmixed65% progress
4/21: “We are maintaining our full-year 2026 Guidance midpoint expectation for local currency revenue growth of about 10%.”
Why this status
Stated in 2 of last 2 quarters. Revenue grew from $1.2098B in 2025-Q4 to $1.6489B in 2026-Q1, indicating progress towards the 10% growth target. The trajectory is delivering on maintaining the guidance.
- 2.Increase full-year 2026 reported revenuegrowthmixed65% progress
4/21: “We are increasing our full year reported revenue by $25 million and Adjusted EPS by $0.04 per share for the impact of foreign exchange.”
Why this status
Newly stated in 2026-Q1. The company has increased its full-year 2026 revenue guidance by $25 million. While revenue grew from $1.2098B in 2025-Q4 to $1.6489B in 2026-Q1, the specific impact of this increase is yet to be fully realized.
- 3.Amend revolving credit agreementcapital allocationmixed64% progress
4/24: “Equifax entered into a Fourth Amendment to Credit Agreement, which amends the Company’s existing Credit Agreement.”
Why this status
Newly stated in 2026-Q1. The amendment to the revolving credit agreement is aimed at enhancing financial flexibility. The financial impact of this amendment is not directly reflected in the current quarter's financials.
Guidance track record
Last 8 quarters of EPS guidance with actuals.
Per-quarter detail
| Period | Guidance | Actual | Result |
|---|---|---|---|
| 2019-09-30 | $1.41 – $1.46 | $1.48 | beat |
| 2020-03-31 | $1.29 – $1.34 | $1.40 | beat |
| 2021-03-31 | $1.45 – $1.55 | $1.97 | beat |
| 2021-06-30 | $1.60 – $1.70 | $1.98 | beat |
| 2021-09-30 | $1.62 – $1.72 | $1.85 | beat |
| 2022-03-31 | $2.08 – $2.18 | $2.22 | beat |
| 2023-03-31 | $1.30 – $1.40 | $1.43 | beat |
| 2023-06-30 | $1.60 – $1.70 | $1.71 | beat |
Beat / inside / miss is computed from the guided range when issued; for point-estimate quarters a ±5% tolerance band around the mid is used. surprise_pct_vs_mid is unstable when guided EPS is near zero, so it is not surfaced as a headline.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 36%; 252d 36%.
Drawdown — Max 1y −39%. Bad day move −4%.
Beta to sector ETF (XLI) — 0.66 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 41/100, drawdown 22/100, beta 66/100, earnings vol —.
via XLI
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 8 guided quarters · 10.7% avg surprise
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Maintain 2026 revenue growth guidance
GrowthNew since 2026-05-04Equifax aims to maintain its full-year 2026 revenue growth guidance of about 10%.
On track →MixedStated in 2 of last 2 quarters. Revenue grew from $1.2098B in 2025-Q4 to $1.6489B in 2026-Q1, indicating progress towards the 10% growth target. The trajectory is delivering on maintaining the guidance.
65%CEO/CFO:“We are maintaining our full-year 2026 Guidance midpoint expectation for local currency revenue growth of about 10%.”Multiple sourcesSource dated 2026-04-21Stated 2 of last 8 quartersFirst seen 2026-05-04Show history (2)
- 2026-Q1Multiple sources
“We are maintaining our full-year 2026 Guidance midpoint expectation for local currency revenue growth of about 10%.”
- 2025-Q4Multiple sources
“Issuing full-year 2026 guidance midpoint expectation for revenue of $6.72 billion, up about 10.5%”
- #2
Increase full-year 2026 reported revenue
GrowthNew since 2026-05-04Equifax plans to increase its full-year 2026 reported revenue by $25 million.
On track →MixedNewly stated in 2026-Q1. The company has increased its full-year 2026 revenue guidance by $25 million. While revenue grew from $1.2098B in 2025-Q4 to $1.6489B in 2026-Q1, the specific impact of this increase is yet to be fully realized.
65%CEO/CFO:“We are increasing our full year reported revenue by $25 million and Adjusted EPS by $0.04 per share for the impact of foreign exchange.”Multiple sourcesSource dated 2026-04-21Stated 1 of last 8 quartersFirst seen 2026-05-04Show history (1)
- 2026-Q1Multiple sources
“We are increasing our full year reported revenue by $25 million and Adjusted EPS by $0.04 per share for the impact of foreign exchange.”
- #3
Amend revolving credit agreement
Capital allocationNew since 2026-05-04Equifax has amended its revolving credit agreement to enhance financial flexibility.
MixedNewly stated in 2026-Q1. The amendment to the revolving credit agreement is aimed at enhancing financial flexibility. The financial impact of this amendment is not directly reflected in the current quarter's financials.
64%CEO/CFO:“Equifax entered into a Fourth Amendment to Credit Agreement, which amends the Company’s existing Credit Agreement.”Multiple sourcesSource dated 2026-04-24Stated 1 of last 8 quartersFirst seen 2026-05-04Show history (1)
- 2026-Q1Multiple sources
“Equifax entered into a Fourth Amendment to Credit Agreement, which amends the Company’s existing Credit Agreement.”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Roughly priced in line with peers.
Cheaper than its own typical valuation.
P/E over the last 5 years
71 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
EFX Equifax | +26 | inexpensive | moderate |
CAT Caterpillar Inc. | +13 | expensive | moderate |
GE GE Aerospace | +11 | expensive | moderate |
GEV GE Vernova | +10 | full | moderate |
RTX RTX Corporation | +20 | fair | moderate |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If industrials sector trend rises from +0.05 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is cut (currently RAISED as of 2026-04-21)-16 pts
- If industrials sector trend falls from +0.05 into 'weakening' (<= -0.20)-5.0 pts
- If growth state reverses from +0.25 (positive) to -0.25 (negative)-4.0 pts
- If labor state reverses from -0.31 (negative) to +0.31 (positive)-3.7 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-2414d agoItem 1.01
Entry into a Material Definitive Agreement. Amendment to Revolving Credit Agreement On April 23, 2026, Equifax Inc. (the “Company”) and certain of its subsidiaries, Equifax Limited, Equifax Canada Co., Equifax International Treasury Services Unlimited Company and Equifax Australia Holdings Pty Ltd (collectively, the “Subsidiary Borrowers”), entered into a Fourth Amendment to Credit Agreement (the “Amendment”), which amends the Company’s existing Credit Agreement, dated as of August 25, 2021,…
capital allocationneutralscore 48 - 2026-04-2117d agoItem 2.02
Results of Operations and Financial Condition. On April 21, 2026 , Equifax Inc. issued a press release disclosing financial results for the three month period ended March 31, 2026. A copy of the text of the press release is attached as Exhibit 99.1 hereto. The information in Exhibit 99.1 shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, except as…
earnings preannouncementneutralscore 44 - 2026-04-2414d agoItem 2.03
Creation of a Direct Financial or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant. The information contained in
capital allocationnegativescore 37 - 2026-02-043mo agoItem 2.02
Results of Operations and Financial Condition. On February 4, 2026 , Equifax Inc. issued a press release disclosing financial results for the three and twelve month periods ended December 31, 2025. A copy of the text of the press release is attached as Exhibit 99.1 hereto. The information in Exhibit 99.1 shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of…
earnings preannouncementneutralscore 8 - 2025-05-3011mo agoItem 5.02
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On May 30, 2025, Equifax Inc. (the “Company”) announced the departure of Todd Horvath, Executive Vice President, President, U.S. Information Solutions (“USIS”), effective June 1, 2025. The Company has commenced a search for Mr. Horvath’s successor. Chief Executive Officer, Mark Begor, will lead the USIS business unit until a successor is identified…
executive changeneutralscore 0
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.