Equifax (EFX) Stock Analysis

November 11, 2026

This is a peer-relative look at Equifax (EFX): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Commercial & Professional Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Equifax (EFX)
Profile Item	EFX
Name	Equifax Inc.
Country/Region	United States
GICS Sector	Industrials
GICS Industry Group	Commercial & Professional Services
GICS Industry	Professional Services
GICS Sub-Industry	Research & Consulting Services
Market Capitalization	22.27 billion USD
Currency	USD
Exchange	NYSE
Listing Date	March 17, 1980
Security Type	Common Stock

Price Performance

Cumulative Growth

EFX

GSPC

Equifax (EFX) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Equifax (EFX) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Equifax (EFX) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Equifax (EFX) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: EFX	Industry group median
Total Return (1Y)	-7.77%	10.68%
Total Return (3Y, Annualized)	1.72%	12.68%
Total Return (5Y, Annualized)	-7.34%	3.62%

Risk Profile

Drawdown History

EFX

GSPC

Equifax (EFX) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Equifax (EFX) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Equifax (EFX) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: EFX	Industry group median
Volatility (1Y, Annualized)	41.48%	42.02%
Beta (5Y)	1.25	0.79
Max Drawdown (5Y)	-54.43%	-54.59%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. EFX is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Equifax (EFX) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: EFX	Industry group median
Sharpe Ratio (1Y)	-0.29	0.19
Sortino Ratio (1Y)	-0.41	0.27

Profitability

ROE (TTM)

Equifax (EFX) posts ROE of 15.44%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

EFX

Commercial & Professional Services industry group

15.44%

Group distribution

Max: 47.06%
Q3: 25.43%
EFX: 15.44%
Median: 14.11%
Q1: 3.92%
Min: -20.15%

Largest peers

RELX: 131.86%
ADP: 78.94%
CTAS: 41.38%
WM: 31.68%
RSG: 18.48%
EFX: 15.44%
TRI: 14.11%

Where Equifax (EFX) stands on ROE within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Equifax (EFX) keeps 11.27% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

EFX

Commercial & Professional Services industry group

11.27%

Group distribution

Max: 23.28%
Q3: 11.35%
EFX: 11.27%
Median: 5.65%
Q1: 0.87%
Min: -8.60%

Largest peers

RELX: 23.27%
ADP: 20.33%
TRI: 19.69%
CTAS: 17.82%
RSG: 12.92%
WM: 11.78%
EFX: 11.27%

Where Equifax (EFX) stands on net margin within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Equifax (EFX) turns 20.99% of revenue into operating profit, putting operating margin in the upper peer quartile. Before financing and taxes enter the picture, the day-to-day business keeps more of each sales dollar than most industry peers.

EFX

Commercial & Professional Services industry group

20.99%

Group distribution

Max: 38.50%
EFX: 20.99%
Q3: 18.84%
Median: 10.40%
Q1: 5.59%
Min: -12.00%

Largest peers

RELX: 32.01%
ADP: 26.73%
CTAS: 24.10%
TRI: 21.93%
EFX: 20.99%
RSG: 20.29%
WM: 19.08%

Where Equifax (EFX) stands on operating margin within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Equifax (EFX) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: EFX	Industry group median
ROE (TTM)	15.44%	14.11%
ROA (TTM)	6.67%	5.83%
Net Margin (TTM)	11.27%	5.65%
Operating Margin (TTM)	20.99%	10.40%
Gross Margin (TTM)	55.18%	36.58%

Growth

Revenue Growth

Equifax (EFX) grew revenue 6.92%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Equifax (EFX): Revenue Growth across different time periods, set against Commercial & Professional Services industry-group medians.

EPS Growth

Equifax (EFX) grew earnings per share 9.92%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Equifax (EFX): EPS Growth across different time periods, set against Commercial & Professional Services industry-group medians.

Growth Metrics

Equifax (EFX) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: EFX	Industry group median
Revenue Growth (YoY)	6.92%	6.05%
Revenue Growth (3Y CAGR)	5.85%	6.33%
EPS Growth (YoY)	9.92%	5.05%
EPS Growth (3Y CAGR)	-1.99%	9.63%

Financial Strength

Current Ratio (MRQ)

Equifax (EFX) has current ratio of 1.09, in the tighter-liquidity quartile for its industry. The short-term cushion is thinner than most peers carry, even if the absolute comfort level still depends on the business model.

EFX

Commercial & Professional Services industry group

1.09

Group distribution

Max: 3.63
Q3: 2.14
Median: 1.55
Q1: 1.09
EFX: 1.09
Min: 0.45

Largest peers

CTAS: 1.45
EFX: 1.09
TRI: 1.08
ADP: 1.03
WM: 0.82
RSG: 0.75
RELX: 0.45

Where Equifax (EFX) stands on current ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Debt / Equity (MRQ)

Equifax (EFX) has debt-to-equity ratio of 1.13, roughly in line with the peer group’s normal leverage range. Its mix of debt and equity looks typical for the industry.

EFX

Commercial & Professional Services industry group

1.13

Group distribution

Max: 2.37
Q3: 1.25
EFX: 1.13
Median: 0.88
Q1: 0.35
Min: 0.00

Largest peers

RELX: 7.10
WM: 2.37
RSG: 1.17
EFX: 1.13
ADP: 1.10
CTAS: 0.52
TRI: 0.36

Where Equifax (EFX) stands on debt-to-equity ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Financial Strength Metrics

Equifax (EFX) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: EFX	Industry group median
Current Ratio (MRQ)	1.09	1.55
Debt / Equity (MRQ)	1.13	0.88
Net Debt / EBITDA	2.47	2.51

Dividends

Dividend Yield (TTM)

Equifax (EFX) has dividend yield of 1.12%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

EFX

Commercial & Professional Services industry group

1.12%

Group distribution

Max: 4.33%
Q3: 1.80%
EFX: 1.12%
Median: 0.60%
Q1: 0.00%
Min: 0.00%

Largest peers

ADP: 2.21%
TRI: 2.18%
RELX: 1.66%
WM: 1.52%
EFX: 1.12%
RSG: 1.02%
CTAS: 0.83%

Where Equifax (EFX) stands on dividend yield within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Equifax (EFX) has payout ratio of 35.28%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

EFX

Commercial & Professional Services industry group

35.28%

Group distribution

Max: 99.58%
Q3: 41.99%
EFX: 35.28%
Median: 17.27%
Q1: 0.00%
Min: -17.94%

Largest peers

TRI: 79.09%
ADP: 60.28%
RELX: 53.59%
WM: 48.03%
CTAS: 36.88%
EFX: 35.28%
RSG: 35.25%

Where Equifax (EFX) stands on payout ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Equifax (EFX) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: EFX	Industry group median
Dividend Yield (TTM)	1.12%	0.60%
Dividend Payout Ratio (TTM)	35.28%	17.27%

Valuation

P/E Ratio (TTM)

Equifax (EFX) trades at P/E ratio of 30.68, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

EFX

Commercial & Professional Services industry group

30.68

Group distribution

Max: 49.47
Q3: 33.76
EFX: 30.68
Median: 24.16
Q1: 16.01
Min: 1.89

Largest peers

CTAS: 43.86
TRI: 34.53
RSG: 34.19
WM: 31.01
EFX: 30.68
ADP: 26.89
RELX: 24.05

Where Equifax (EFX) stands on P/E ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Equifax (EFX) trades at 3.38 on P/S ratio, in the higher sales-valuation quartile. Investors are paying up for each dollar of revenue, so stronger margins, growth, or revenue quality need to carry that price.

EFX

Commercial & Professional Services industry group

3.38

Group distribution

Max: 7.17
EFX: 3.38
Q3: 3.35
Median: 1.33
Q1: 0.69
Min: 0.11

Largest peers

CTAS: 7.64
RELX: 7.17
TRI: 6.09
ADP: 5.38
RSG: 4.36
WM: 3.60
EFX: 3.38

Where Equifax (EFX) stands on P/S ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Equifax (EFX) trades at 4.96 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

EFX

Commercial & Professional Services industry group

4.96

Group distribution

Max: 11.25
Q3: 6.08
EFX: 4.96
Median: 2.92
Q1: 1.55
Min: -2.78

Largest peers

RELX: 169.44
ADP: 23.57
CTAS: 17.07
WM: 9.52
RSG: 6.15
EFX: 4.96
TRI: 4.35

Where Equifax (EFX) stands on P/B ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Equifax (EFX) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: EFX	Industry group median
P/E Ratio (TTM)	30.68	24.16
P/S Ratio (TTM)	3.38	1.33
P/B Ratio (MRQ)	4.96	2.92
Free Cash Flow Yield (TTM)	4.24%	5.35%