EFX · NYSE · STOCK
Equifax (EFX) Stock Analysis
$176.91
52W $150.75 – $271.84
58/100
$21.25B
31.6
1.30
Is EFX Bullish or Bearish?
Mixed.
Innellis AI committee rates Equifax (EFX) Watch with a composite score of 58/100
, based on 6 analysts with 50% agreement.
Last updated August 17, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +2.20 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 — -17.80 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. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Value Analyst remains cautious — p/e of 30.7 is moderate-to-rich. 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
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- P/E of 30.7 is moderate-to-rich — Value
- Price-to-book of 5.8x prices in significant intangible value — Value
- Current ratio of 0.60 is tight -- limited short-term liquidity cushion — 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 August 17, 2026
Overall Committee Score
58/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 63%
of 223 Industrials peers
Value Analyst
bearish
35
/ 100 · Moderate confidence
Multiples don't clear a genuine value bar here, or cheapness looks justified by weak fundamentals
− P/E of 30.7 is moderate-to-rich
Growth Analyst
bullish
77
/ 100 · High 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
Risk Analyst
bearish
35
/ 100 · Low 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
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
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 2963.04)
Investment Thesis Evolution
Committee score moved marginally from 57.8 to 57.8.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Portfolio Manager: +1 bearish signal(s).
Comparing 2026-08-16 to 2026-08-17 (1 day apart).
Technical Analysis
RSI (14)
53.2
Neutral
MACD Histogram
0.145
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Hh Hl
Support
$169.54
Resistance
$196.24
Bollinger %B
0.63
Inside Bands
Price vs Moving Averages
EMA 9
$180.66
Below
EMA 21
$177.73
Below
EMA 50
$174.17
Above
EMA 200
$190.15
Below
Fundamental Analysis
Valuation
30
Growth
84
Profitability
60
Financial Health
31
Cash Flow
70
Valuation
P/E Ratio
31.6×
P/B Ratio
4.89×
PEG Ratio
2.80
Dividend Yield
1.17%
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 31.6 (rich relative to a 15-40x range); Price-to-book of 4.9x; PEG ratio of 2.8 (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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