EFX · NYSE · STOCK
Equifax (EFX) Stock Analysis
$145.74
52W $137.01 – $238.94
56/100
$17.13B
25.4
1.34
Is EFX Bullish or Bearish?
Mixed.
Innellis AI committee rates Equifax (EFX) Watch with a composite score of 56/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +4.27 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -15.73 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — 5 consecutive earnings beats -- consistent execution. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Price-to-book of 5.8x prices in significant intangible value — Value
- Price structure making lower highs and lower lows — Technical
- Price structure (HH_HL) contradicts the downtrend -- mixed signals — Technical
- Current ratio of 0.60 is tight -- limited short-term liquidity cushion — Risk
- Bollinger bandwidth of 27.6% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
56/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 61%
of 227 Industrials peers
Value Analyst
neutral
45
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− Price-to-book of 5.8x prices in significant intangible value
Growth Analyst
bullish
77
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ 5 consecutive earnings beats -- consistent execution
Technical Analyst
neutral
53
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Risk Analyst
bearish
35
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.60 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 55.7 to 55.7.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Risk Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
43.4
Neutral
MACD Histogram
0.645
Bullish Momentum
Trend Direction
Downtrend
Weekly: Downtrend
Market Structure
Hh Hl
Support
$136.02
Resistance
$166.43
Bollinger %B
0.38
Inside Bands
Price vs Moving Averages
EMA 9
$144.73
Above
EMA 21
$151.75
Below
EMA 50
$162.35
Below
EMA 200
$182.06
Below
Fundamental Analysis
Valuation
53
Growth
84
Profitability
67
Financial Health
31
Cash Flow
70
Valuation
P/E Ratio
25.4×
P/B Ratio
3.94×
PEG Ratio
2.26
Dividend Yield
1.50%
52W High
$238.94
52W Low
$137.01
Quality & Growth
ROE
1434.1%
ROA
556.5%
Gross Margin
5554.0%
Operating Margin
1785.1%
Revenue Growth YoY
—
Debt / Equity
1.25
AI Fundamental Assessment
P/E ratio of 25.4 (moderate relative to a 15-40x range); Price-to-book of 3.9x; PEG ratio of 2.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 14.3%; Return on assets of 5.6%; Net margin of 10.7%; Gross margin of 55.5%; Current ratio of 0.60 (tight short-term liquidity); Debt-to-equity of 1.25; Free cash flow per share is positive (9.33); Most recent quarter beat estimates by 1.2%; 5 consecutive earnings beats; EPS growth accelerating (-11.0% -> +21.0% QoQ); Average YoY EPS growth of 12.5%; Analyst estimates rising over recent quarters
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