Forensic Analysis · Professional & Commercial Services · as of Aug 9, 2026

Equifax Inc (EFX)

A forensic read on Equifax Inc built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.

B · Sound & dependable

Forensic grade

Safe

Financial health

5.0

Distress distance

Clean

Earnings quality

Forensic signals

31.0

P / E (ttm)

14.3%

ROE

$21.4B

Market cap

1.27%

Dividend yield

6.9%

Revenue growth

This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (red flags, auditor quality, say on pay, board independence). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.

Equifax Inc earns a B (Sound & dependable) forensic quality grade, and its balance-sheet distress test reads 5.0, placing it in the Safe zone. 3 forensic signals were flagged in its latest SEC filings, led by return on invested capital.

What the filings flag

7.8%

FY2025

Return on invested capital. Return on invested capital is 7.8% in the latest fiscal year and steady — slightly below its ~10% cost of capital — reinvestment is roughly a wash.

+0.2%/yr

FY2022–FY2025

Share count. Diluted share count changed +1% over the last 3 years to FY2025 (+0.2%/yr). Roughly flat — buybacks ($928M) are about offsetting stock comp ($78M), not shrinking the count. Per-share value isn't being meaningfully helped or hurt by the count.

102% of FCF

FY2025

Shareholder returns. Returned $1.2B to shareholders (buybacks + dividends) in FY2025 — 102% of free cash flow. Right at the limit of what free cash flow covers — little room before it's funded by debt or the balance sheet. That ratio has actually been EASING, not tightening further — down from ~144% of free cash flow a few years back. Counting the $78M of stock-based comp paid out in shares on top of that, the combined claim on free cash flow is 109%.

Key fundamentals

Latest Revenue$6.07B

Revenue Growth YoY+6.9%

Revenue CAGR (3yr)+5.8%

Net Margin10.9%

Free Cash Flow$1.13B

Return on Equity14.3%

Debt / Equity1.11x

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Data from SEC EDGAR public filings · metrics as of Aug 9, 2026. Forensic signals flag probability, not certainty.