EFX · NYSE · STOCK
Equifax (EFX) Stock Analysis
$194.48
52W $150.75 – $271.84
66/100
$22.63B
33.6
1.30
Is EFX Bullish or Bearish?
Bullish.
Innellis AI committee rates Equifax (EFX) Buy with a composite score of 66/100
, based on 4 analysts with 50% agreement.
Last updated August 25, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +8.62 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -11.38 from today. The band boundary is 60.0, 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 split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
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
Bear Case
- Stochastic RSI (100.0) confirms overbought conditions.
- Both daily and weekly trends are bearish — strong multi-timeframe downtrend.
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 August 25, 2026
Overall Committee Score
66/100
Agreement
50%
Analysts
4
Conviction
Contested
Sector Rank
Top 7%
of 226 Industrials peers
Growth Analyst
bullish
82
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ 5 consecutive earnings beats -- consistent execution
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
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
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3063.01)
Investment Thesis Evolution
Committee score strengthened significantly from 55.0 to 66.4.
- Recommendation changed from Watch to Buy.
- Committee agreement increased notably from 33% to 50%.
- Bearish pressure eased: 3 signal(s) disappeared.
- Analyst(s) abstained: Risk Analyst, Value Analyst.
Analyst-level changes:
- Growth Analyst: score 77->82 (+6).
- Risk Analyst abstained (was bearish at 35).
- Value Analyst abstained (was bearish at 35).
Comparing 2026-08-24 to 2026-08-25 (1 day apart).
Technical Analysis
RSI (14)
69.2
Neutral
MACD Histogram
1.027
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Hh Hl
Support
$191.40
Resistance
$196.24
Bollinger %B
0.95
Inside Bands
Price vs Moving Averages
EMA 9
$186.27
Above
EMA 21
$181.64
Above
EMA 50
$176.60
Above
EMA 200
$190.01
Above
Fundamental Analysis
Valuation
23
Growth
84
Profitability
60
Financial Health
31
Cash Flow
70
Valuation
P/E Ratio
33.6×
P/B Ratio
5.21×
PEG Ratio
2.98
Dividend Yield
1.10%
52W High
$271.84
52W Low
$150.75
Quality & Growth
ROE
1434.1%
ROA
556.5%
Gross Margin
4437.7%
Operating Margin
1785.1%
Revenue Growth YoY
—
Debt / Equity
1.25
AI Fundamental Assessment
P/E ratio of 33.6 (rich relative to a 15-40x range); Price-to-book of 5.2x; PEG ratio of 3.0 (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 44.4%; 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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