Equifax, Inc. (EFX) Stock Price & How to Invest

Equifax is one of the three nationwide US consumer credit bureaus, alongside Experian and TransUnion, but it has spent the last decade shifting its center of gravity toward data analytics. Its largest and fastest-growing segment, Workforce Solutions, sells income and employment verification through The Work Number, a proprietary database that ended 2025 with roughly 209 million active records and 813 million total records. The rest of the company splits between US Information Solutions (traditional credit reporting and analytics) and International.

The investment picture is a high-quality, moat-heavy data franchise that is nonetheless tied to lending, mortgage, and hiring activity. When credit and mortgage volumes are strong, Equifax compounds nicely on a mostly fixed cost base, but the same operating leverage cuts the other way in a slowdown. Full-year 2025 revenue was about ~$6.07B, up roughly 7 percent, and Q1 2026 revenue accelerated to about ~$1.65B, up 14 percent, signaling improving momentum. The stock typically trades at a premium multiple, so the question for investors is whether cyclical recovery and Workforce Solutions growth justify the price.

Equifax is cyclical and rate-sensitive, so a weak mortgage market or a rise in unemployment can pressure both credit-inquiry and verification volumes. It operates under heavy regulatory scrutiny (the CFPB, FTC, and FCRA), and the memory of its 2017 data breach is a reminder that a security or privacy failure carries large financial and reputational cost. The Work Number depends on continued employer payroll contributions, which could face pushback or competition, and government-related verification revenue can be lumpy. Finally, the stock often trades at a premium valuation, which leaves limited margin for error if growth disappoints.

21 analysts publish price targets on EFX, averaging $210.52 against a $172.62 price as of August 2026, or +22.0%. The published targets run from $179.00 to $245.00, a moderate spread, and the ratings split 16 buy, 8 hold, 0 sell. Over the last six months there have been 2 raises and 8 cuts among the published actions. A price target is what an analyst published on a date, not a prediction, and sell-side ratings skew positive across the whole market.

Read the full EFX forecast and price target for the target table, the recent rating actions by firm, and how the consensus has shifted.

We give no verdict on Equifax, Inc.. Both cases are real, which is why the question is contested at all, so here is the strongest version of each.

The case for buying. Workforce Solutions and The Work Number. The Work Number payroll and income database is the standout asset, delivering ~$2.582B of 2025 revenue (up 6 percent) and growing records at a double-digit clip to roughly 209 million active records. The most optimistic published target, $245.00, assumes this works close to its best case.

The case against. Equifax is cyclical and rate-sensitive, so a weak mortgage market or a rise in unemployment can pressure both credit-inquiry and verification volumes. The most pessimistic target, $179.00, is roughly what EFX is worth if this bites instead.

Read the full bull and bear case on EFX, including what would have to change to break either one. Walnut is not an investment adviser.

A simple financial snapshot. These are approximations and refresh quarterly; for current figures see Equifax, Inc.'s investor relations page or your broker.

• Revenue (FY2025): ~$6.07B
• Revenue growth (FY2025): ~7% YoY
• Q1 2026 revenue: ~$1.65B (up ~14%)
• Workforce Solutions revenue (FY2025): ~$2.58B
• Net income (FY2025): ~$660M
• Diluted EPS (FY2025): ~$5.32
• Forward P/E: ~18-20x

Equifax carries a premium valuation, with a forward P/E in the high-teens to low-20s that sits above the broader business-services median. That reflects the durability of The Work Number data moat and expectations for a lending-cycle recovery. The multiple leaves little cushion if mortgage volumes or hiring soften.

Other names that sit close to EFX: same theme, named as a direct competitor, or held beside it in the same funds. Each entry says which. Worth a look if you are thinking about diversification within a thesis rather than concentration on one ticker.

There are three common ways to get EFX exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic portfolio, so EFX sits alongside other stocks that express the same thesis.

Walnut takes the portfolio route. Describe a thesis where EFX fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.

New to this? Start with how to invest in stocks, see how to analyze a stock with AI, or compare the best AI stock analyzers.

EFX is a wide-moat credit and workforce data business trading at a premium multiple, so the debate is less about quality and more about the price you pay for cyclical, rate-sensitive earnings.

Whether EFX is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is EFX a buy or a sell?, and where the stock could go from here in the EFX stock forecast.

For income investors, whether EFX pays a dividend and how the payout looks is covered in does EFX pay a dividend? And to weigh EFX against a peer, read the full side-by-side comparisons: EFX vs TRU and EFX vs FICO.