EFX · Equifax Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $6.07B | $5.68B | $5.27B | $5.12B | $4.92B | $4.13B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | $1.61B | $1.45B | $1.39B | $1.33B | $1.32B | $1.32B |
| Total Operating Expenses | $4.98B | $4.64B | $4.33B | $4.07B | $3.79B | $3.45B |
| D&A | $726.90M | $680.60M | $619.80M | $568.60M | $489.60M | $399.30M |
| Operating Income | $1.10B | $1.04B | $933.60M | $1.06B | $1.14B | $676.60M |
| Interest Expense | $212.30M | $229.10M | $241.40M | $183.00M | $145.60M | $141.60M |
| Income Tax | $230.60M | $203.20M | $166.20M | $229.50M | $200.70M | $159.00M |
| Net Income | $660.30M | $604.10M | $545.30M | $696.20M | $744.20M | $520.10M |
| EPS - Basic | $5.36 | $4.88 | $4.44 | $5.69 | $6.11 | $4.28 |
| EPS - Diluted | $5.32 | $4.84 | $4.40 | $5.65 | $6.02 | $4.24 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $180.80M | $169.90M | $216.80M | $285.20M | $224.70M | $1.68B |
| Accounts Receivable | $1.01B | $957.60M | $908.20M | $857.70M | $727.60M | $630.60M |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | $206.40M | $138.20M | $197.60M | $250.80M | $211.60M | $159.10M |
| Current Assets | $1.41B | $1.36B | $1.36B | $1.37B | $1.12B | $2.48B |
| Total Assets | $11.86B | $11.76B | $12.28B | $11.55B | $11.04B | $9.61B |
| Current Liabilities | $2.34B | $1.81B | $2.02B | $2.02B | $2.29B | $2.48B |
| Long-term Debt | $4.06B | $4.32B | $4.75B | $4.82B | $4.47B | $3.28B |
| Total Liabilities | $7.13B | $6.84B | $7.59B | $7.57B | $7.44B | $6.40B |
| Stockholders' Equity | $4.60B | $4.80B | $4.53B | $3.96B | $3.58B | $3.17B |
| Retained Earnings | $6.45B | $6.02B | $5.61B | $5.26B | $4.75B | $4.19B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.62B | $1.32B | $1.12B | $757.10M | $1.33B | $946.20M |
| Investing Cash Flow | ($554.30M) | ($511.50M) | ($878.20M) | ($959.50M) | ($3.40B) | ($492.70M) |
| Financing Cash Flow | ($1.06B) | ($846.40M) | ($306.20M) | $273.70M | $617.70M | $810.80M |
| CapEx | $481.40M | $511.50M | $601.30M | $624.50M | $469.00M | $421.30M |
| Free Cash Flow | $1.13B | $813.00M | $515.50M | $132.60M | $865.80M | $524.90M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 18.0% | 18.3% | 17.7% | 20.6% | 23.1% | 16.4% |
| EBITDA margin | 30.0% | 30.3% | 29.5% | 31.7% | 33.1% | 26.1% |
| Net margin | 10.9% | 10.6% | 10.4% | 13.6% | 15.1% | 12.6% |
| Free cash flow margin | 18.7% | 14.3% | 9.8% | 2.6% | 17.6% | 12.7% |
| FCF / Net income | 1.72 | 1.35 | 0.95 | 0.19 | 1.16 | 1.01 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 26.6% | 25.5% | 26.3% | 25.9% | 26.9% | 32.0% |
| Effective tax rate | 25.9% | 25.2% | 23.4% | 24.8% | 21.2% | 23.4% |
| Return on assets | 5.6% | 5.1% | 4.4% | 6.0% | 6.7% | 5.4% |
| Return on equity | 14.3% | 12.6% | 12.0% | 17.6% | 20.8% | 16.4% |
| Return on invested capital | 9.4% | 8.6% | 7.7% | 9.0% | 11.1% | 8.0% |
| Liquidity | ||||||
| Current ratio | 0.60 | 0.75 | 0.67 | 0.68 | 0.49 | 1.00 |
| Quick ratio | 0.60 | 0.75 | 0.67 | 0.68 | 0.49 | 1.00 |
| Cash ratio | 0.08 | 0.09 | 0.11 | 0.14 | 0.10 | 0.68 |
| Leverage | ||||||
| Debt / Equity | 0.88 | 0.90 | 1.05 | 1.22 | 1.25 | 1.03 |
| Debt / Assets | 0.34 | 0.37 | 0.39 | 0.42 | 0.40 | 0.34 |
| Debt / EBITDA | 2.23 | 2.51 | 3.06 | 2.97 | 2.75 | 3.05 |
| Interest coverage | 5.2x | 4.5x | 3.9x | 5.8x | 7.8x | 4.8x |
| Equity multiplier | 2.58 | 2.45 | 2.71 | 2.92 | 3.08 | 3.03 |
| Liabilities / Assets | 0.60 | 0.58 | 0.62 | 0.66 | 0.67 | 0.67 |
| Efficiency | ||||||
| Asset turnover | 0.51 | 0.48 | 0.43 | 0.44 | 0.45 | 0.43 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | 61d | 62d | 63d | 61d | 54d | 56d |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 40.8x | 52.7x | 56.2x | 34.4x | 48.6x | 45.5x |
| P / B | 5.8x | 6.6x | 6.8x | 6.1x | 10.1x | 7.5x |
| P / S | 4.4x | 5.6x | 5.8x | 4.7x | 7.3x | 5.7x |
| EV / EBITDA | 16.9x | 20.9x | 22.6x | 17.5x | 24.8x | 23.5x |
| Growth | ||||||
| Revenue growth (YoY) | 6.9% | 7.9% | 2.8% | 4.0% | 19.3% | 17.7% |
| Revenue CAGR (3y) | 5.8% | 4.9% | 8.5% | 13.5% | 16.1% | - |
| Revenue CAGR (5y) | 8.0% | 10.1% | 10.9% | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 5.1% | 11.6% | -11.6% | -7.2% | 68.2% | - |
| Net income growth (YoY) | 9.3% | 10.8% | -21.7% | -6.4% | 43.1% | - |
| EPS growth (YoY) | 9.9% | 10.0% | -22.1% | -6.1% | 42.0% | - |
| EPS CAGR (3y) | -2.0% | -7.0% | 1.2% | - | 34.6% | -4.2% |
| EPS CAGR (5y) | 4.6% | - | 12.2% | 3.2% | 8.3% | 3.6% |
| FCF growth (YoY) | 39.5% | 57.7% | 288.8% | -84.7% | 64.9% | - |
| FCF CAGR (5y) | 16.7% | - | 8.0% | -26.0% | 6.8% | -2.5% |
| Book value growth (YoY) | -4.0% | 5.8% | 14.6% | 10.4% | 13.1% | 22.9% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$8.15B totalWorkforce Solutions$2.58B · 31.7%
USInformation Solutions$2.08B · 25.5%
United States Consumer Information Solutions$2.08B · 25.5%
International$1.41B · 17.3%
Product / service
$4.66B totalVerification Services$2.18B · 46.8%
Online Information Solutions$1.82B · 39.1%
Employer Services$402.50M · 8.6%
Financial Marketing Services$257.10M · 5.5%
Geographic
$7.22B totalUS$4.66B · 64.6%
Other Countries$498.30M · 6.9%
Latin America$403.40M · 5.6%
Europe$396.70M · 5.5%
Asia Pacific$342.30M · 4.7%
GB$325.90M · 4.5%
AU$318.10M · 4.4%
CA$271.30M · 3.8%
Stability scores
Altman Z′
FY 2025 · bankruptcy risk
1.47
Grey zone
Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.
Piotroski F-score
FY 2025 · 9-point quality
7/9
Strong
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- ✗Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: Services-Consumer Credit Reporting, Collection Agencies
Comparing EQUIFAX INC against the 5 most active filers in the same SIC group.
Dividends
$2.12/share trailing 12 months · +26.9% YoY
| Ex-date | Per share |
|---|---|
| May 22, 2026 | $0.5600 |
| Mar 9, 2026 | $0.5600 |
| Nov 24, 2025 | $0.5000 |
| Sep 2, 2025 | $0.5000 |
| May 23, 2025 | $0.5000 |
| Feb 21, 2025 | $0.3900 |
| Nov 22, 2024 | $0.3900 |
| Sep 3, 2024 | $0.3900 |
| May 23, 2024 | $0.3900 |
| Feb 22, 2024 | $0.3900 |
| Nov 22, 2023 | $0.3900 |
| Sep 5, 2023 | $0.3900 |
| May 24, 2023 | $0.3900 |
| Feb 21, 2023 | $0.3900 |
| Nov 22, 2022 | $0.3900 |
| Sep 2, 2022 | $0.3900 |
| May 24, 2022 | $0.3900 |
| Feb 18, 2022 | $0.3900 |
| Nov 23, 2021 | $0.3900 |
| Sep 3, 2021 | $0.3900 |
| May 24, 2021 | $0.3900 |
| Feb 19, 2021 | $0.3900 |
| Nov 23, 2020 | $0.3900 |
| Aug 24, 2020 | $0.3900 |