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Equifax Inc. (EFX) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$192.51 +4.29% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $194.46

Equifax Inc. (EFX) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 10% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $21.60B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on EFX Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is EFX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Equifax Inc. (NYSE: EFX) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $192.51 (+4.29% 1D, market cap $21.60B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, EFX ranks #80 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does EFX compare to SOFI and SYF in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), EFX carries a Roarable B- (71/100 RQD), trailing P/E of 31.8x, gross margin of —, and ROIC of 10.2%. By comparison, SOFI (SoFi Technologies Inc.) holds a E grade (32/100 RQD, P/E 47.3x, ROIC 2.1%, cap $21.65B) and SYF (Synchrony Financial) posts a C+ grade (69/100 RQD, P/E 6.7x, ROIC 7.6%, cap $23.46B). Among the 5-stock peer group, SYF leads on earnings multiple (6.7x) while EFX leads on capital efficiency (10.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EFX?
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Per EFX's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000033185), Equifax Inc. generated $6.07B in revenue (+6.9% YoY), $660.3M in net income, and $1.34B in free cash flow against $11.86B in total assets and $4.06B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $194.45 (+1.01%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 22.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510071
3-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C
Cash (16)Whales (14)SEC (15)Macro (11)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+5.8% Base Target
$240 Bull$204 Base$158 Bear
📬 FREE EFX RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EFX)Realized 20D OHLCV Swing Band: ±6.7%
Deterministic 5-Pillar Attribution (71/100 Composite)
🔍 WHY EFX SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+16/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 22.1% FCF Margin ($1.34B FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (64.9) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
63
Grade C+$150.36+16.8% Next Q
Q2 (-2Q)
66
Grade B-$175.57+0.3% Next Q
Q3 (-1Q)
68
Grade B-$176.03+9.4% Next Q
Current
71
Grade B-$192.51+6.8% Hist 90D α
Trajectory: C+ (63) → B- (71)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the EFX Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, EFX faces multiple-compression risk if 31.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($165.65) or 200D SMA ($176.42) invalidates the momentum regime and cuts Target Base ($203.77) toward Bear Floor ($157.86).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EFX• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “EFX Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 71%NO 29%Trade / Inspect Odds →
SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

EFX Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →
▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (EFX)

No recent open-market Form 4 cluster sales or emergency dumps flagged on EFX. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (EFX Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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EFX // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.77%📐 HORIZONTAL RANGE
2026-11-03O $179.4H $192.5L $179.4C $192.5VOL 1.61M
RES: $209.7SUP: $132.1SMA50: $165.7SMA200: $176.4
$221.7$198.8$175.8$152.8$129.9RES $209.7SUP $132.1$192.52026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EFX Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EFX Butterfly Map → + Track EFX →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
24.6%/yr Implied 5Y Growth

vs. +6.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on EFX today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EFX. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for EFX today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EFX)

Financials Rank #80 of 1097 ⚔️ SOFI vs EFX Full Matrix →

1. Head-to-Head Financials Peer Comparison (EFX vs. SOFI, SYF, AFRM, CRCL)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Equifax Inc. (EFX) ranks #80 by composite RQD confidence (71/100, grade B-) and #117 by equity capitalization ($21.60B). Within this direct 5-issuer industry benchmark cohort, SYF leads on earnings valuation at 6.7x trailing P/E, while EFX leads on capital efficiency and profitability with 10.2% ROIC and — gross margin. EFX currently leads its immediate peer cohort in composite quantitative strength at 71/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
EFX ACTIVE
Equifax Inc.
B- 71/100 31.8x — 10.2% +4.29% $21.60B Benchmark Subject
SOFI
SoFi Technologies Inc.
E 32/100 47.3x — 2.1% -0.95% $21.65B /sofi-vs-efx →
SYF
Synchrony Financial
C+ 69/100 6.7x — 7.6% +1.95% $23.46B /syf-vs-efx →
AFRM
Affirm Holdings Inc.
C- 59/100 — — -1.2% +0.15% $24.90B /afrm-vs-efx →
CRCL
Circle Internet Group Inc.
D 44/100 — — -0.2% -0.63% $18.42B /crcl-vs-efx →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000033185 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Equifax Inc. (EFX) reported GAAP revenue of $6.07B (+6.9% vs. FY2024 revenue of $5.68B , and +15.4% cumulative change since FY2023) , GAAP net income of $660.3M, operating cash flow of $1.62B, and free cash flow of $1.34B (+25.6% YoY). On the balance sheet, EFX closed FY2025 with $11.86B in total assets against $4.06B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $6.07B $660.3M $1.62B $1.34B $11.86B $4.06B
FY2024 (FY) 2024-12-31 $5.68B $604.1M $1.32B $1.07B $11.76B $4.32B
FY2023 (FY) 2023-12-31 $5.27B $545.3M $1.12B $879.9M $11.55B $2.70B

3. EFX Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EFX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Equifax Inc. (NYSE: EFX) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $192.51 (+4.29% 1D, market cap $21.60B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, EFX ranks #80 in composite RQD confidence.

How does EFX compare to SOFI and SYF in the Financials sector?

Within the Financials sector (Finance: Consumer Services), EFX carries a Roarable B- (71/100 RQD), trailing P/E of 31.8x, gross margin of —, and ROIC of 10.2%. By comparison, SOFI (SoFi Technologies Inc.) holds a E grade (32/100 RQD, P/E 47.3x, ROIC 2.1%, cap $21.65B) and SYF (Synchrony Financial) posts a C+ grade (69/100 RQD, P/E 6.7x, ROIC 7.6%, cap $23.46B). Among the 5-stock peer group, SYF leads on earnings multiple (6.7x) while EFX leads on capital efficiency (10.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EFX?

Per EFX's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000033185), Equifax Inc. generated $6.07B in revenue (+6.9% YoY), $660.3M in net income, and $1.34B in free cash flow against $11.86B in total assets and $4.06B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is EFX trading relative to its 50-day, 200-day, and 52-week technical levels?

EFX last traded at $192.51 (+4.29% on volume of 2,176,892 shares), positioning the stock +16.21% above its 50-day simple moving average ($165.65) and +9.12% above its 200-day simple moving average ($176.42). Across its 52-week range of $137.01 to $228.67, EFX sits at the 60.5% percentile with a 14-day RSI of 64.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.7% ($179.61 to $205.41).

Direct Sub-Reports: EFX RQD Cockpit EFX 12M Forecast EFX Earnings & Move EFX Dividends & DRIP EFX Insiders & 13F EFX Whale Options EFX Profit Sankey EFX News & Why
ROARABLE RATING BRIEF • RQD 71/100 (B-) ✓ SEC XBRL & RQD VERIFIED

EFX — Equifax Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Equifax Inc. (EFX) earns a live Roarable RQD composite score of 71/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $192.51 (+4.29% 1D, market capitalization $21.60B).

  • Fundamental Cash Engine (16/20): Anchored by return on invested capital (ROIC) of 10.2%, gross margin of —, operating margin of 18.0%, and free cash flow yield of 6.39%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (15/20): Incorporates a 1.11x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Equifax Inc. (EFX) is a NYSE-listed issuer classified in the Financials sector and the Finance: Consumer Services industry. The profile identifies the company as operating in Finance: Consumer Services with a market capitalization of $21.0B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Equifax Inc. (EFX) reported $6.07B in annual revenue (up from $5.68B in FY2024, +6.9% YoY) and $660.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($5.27B revenue, $545.3M net income) through FY2025, EFX scaled operating cash flow to $1.62B and free cash flow to $1.34B, backed by $11.86B in total assets against $4.06B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B- • RQD 71/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 16/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $137.01 – $228.67 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 31.8x trailing P/E and 18.7x EV/EBITDA against 18.0% operating margins and a 1.11x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector classification is Financials / Finance: Consumer Services . The 2nd-order exposure the source data does highlight is mortgage-related: news headlines reference a mortgage push and analyst trims to mortgage growth views.

  • Key Question #1: Can EFX sustain or expand its 18.0% operating margin and 10.2% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $6.07B and free cash flow of $1.34B, how will capital allocation balance growth reinvestment against $4.06B in total debt?
  • Key Question #3: How sensitive is EFX's 29.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.11x)?

EFX Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Equifax Inc. (EFX) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to EFX Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

EFX Bull vs. Bear Conversation Board — What's Your Call at $192.51?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON EFX 🐻 33% BEARISH CONVICTION
1. Pick Your Side on EFX:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $236.29 (+28.0%)
📌 Pinned Debate

Strong cash generation with FCF yield of 6.39% and ROIC of 10.2%, supported by a 8/9 Piotroski F-Score and Debt/Equity of 0.5.

Picked up a starter position in EFX in my $100K Virtual Cash book at $184.60. Strong cash generation with FCF yield of 6.39% and ROIC of 10.2%, supported by a 8/9 Piotroski F-Score and Debt/Equity of 0.5.. Trading inside a $137.01–$228.67 52-week range with 6.39% FCF yield gives solid downside support if Finance: Consumer Services multiples expand this quarter.

ArenaChamp_24 🐂 BULL

@CreditSpread_Watch Fair point on 31.8x trailing P/E, but you're ignoring the forward operating leverage in Finance: Consumer Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $158.76 (-14.0%)
Spot @ $184.60

Elevated valuation at 31.8 trailing P/E and 18.7 EV/EBITDA, with an 11/20 macro-regime score and news flagging analyst trims to mortgag

Fading this rally in EFX at $184.60. Elevated valuation at 31.8 trailing P/E and 18.7 EV/EBITDA, with an 11/20 macro-regime score and news flagging analyst trims to mortgage growth views.. With a beta of 1.11 and the stock sitting at $184.60 (52-wk range $137.01–$228.67), the easy multiple expansion is already priced in.

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