COMP <GO>
EFX vs AFRM // OPERATING MARGIN
Equifax Inc. (NYSE) VS. Affirm Holdings Inc. (NASDAQ) • 15-METRIC TALLY: EFX 7
— AFRM 2
▲ OPERATING MARGIN LEADER: EFX
LAST: $184.60 (+2.90%) • MKT CAP: $20.99B
operating-margins
18.00%
LAST: $73.47 (-1.83%) • MKT CAP: $25.36B
operating-margins
-7.80%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (EFX VS. AFRM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | EFX | AFRM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.20% | -1.20% | +11.40 | EFX | /roic <GO> |
| EV/EBITDA & P/E Valuation | 18.7x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.39% | 2.37% | +4.02 | EFX | /fcf-yield <GO> |
| Operating Margin ACTIVE | 18.00% | -7.80% | +25.80 | EFX | /operating-margins <GO> |
| Net Profit Margin | 10.90% | 4.70% | +6.20 | EFX | /net-margins <GO> |
| Revenue Growth (YoY) | 6.90% | 34.90% | -28.00 | AFRM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.11% | 0.00% | +1.11 | EFX | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 61.1 | 53.2 | +7.90 | EFX | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.11 | 0.96 | +0.15 | EFX | /macro-sensitivity <GO> |
| Forward P/E Multiple | 29.6x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $20.99B | $25.36B | -$4.37B | AFRM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | EFX REV | AFRM REV | EFX GROSS % | AFRM GROSS % | EFX FCF | AFRM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $6.07B | $1.11B | — | — | $1.34B | $601.7M |
| FY 2024 | $5.68B | $826.0M | — | — | $1.07B | $290.8M |
| FY 2023 | $5.27B | $626.9M | — | — | $879.9M | -$16.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
EFX // BETA 1.11
AFRM // BETA 0.96