Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
Why EFX Stock surged +2.90% Today — RQD Quant Desk Flash
Equifax Inc. (EFX) earns a Roarable Rating of B- (Buy) with 70/100 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.
🤖 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 2026-11-02, Equifax Inc. (NYSE: EFX) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $184.60 (+2.90% 1D, market cap $20.99B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, EFX ranks #118 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does EFX compare to CRCL and SOFI in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), EFX carries a Roarable B- (70/100 RQD), trailing P/E of 31.8x, gross margin of —, and ROIC of 10.2%. By comparison, CRCL (Circle Internet Group Inc.) holds a D grade (47/100 RQD, P/E N/A, ROIC -0.2%, cap $20.31B) and SOFI (SoFi Technologies Inc.) posts a E grade (33/100 RQD, P/E 47.3x, ROIC 2.1%, cap $22.74B). Among the 5-stock peer group, SYF leads on earnings multiple (6.7x) while EFX leads on capital efficiency (10.2% ROIC).
🤖 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 22.1% FCF Margin ($1.34B FCF) & 52% Gross Margin
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
Macro rate sensitivity & RSI-14 (61.1) create a -9 pt regime headwind
⚔️ Adversarial Opposing Case: Why the EFX Bull Thesis Could Fail
Even with a 70/100 (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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($165.79) or 200D SMA ($176.54) invalidates the momentum regime and cuts Target Base ($194.57) toward Bear Floor ($151.37).
Why EFX Stock surged +2.90% Today — RQD Quant Desk Flash
Equifax Inc. (EFX) surged +2.90% to $184.60, trading at 52% of its 52-week range ($137.01 – $228.67). High-quality cash engine (steady margins, 10% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 52% of its 52-week range ($137.01 – $228.67) with RSI-14 at 61.1 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±6.6% around $184.60 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B- (Buy) backed by 52% gross margin and $1.3B annual free cash flow.
The Motley Fool report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
A stranger only needs one phone call and a Social Security number to open credit accounts in a confused parent's name, but federal law gives caregivers a specific legal tool to shut that door before it opens.
A death certificate closes a chapter, but it does not close a credit file, a tax account, or a Social Security number. Thieves know exactly how long that window stays open, and the clock started in March.
S&P 500 premarket movers for Oct. 30, 2026, including MDLZ, REGN and CL among gainers, and INTC, RDDT and TWLO among decliners.
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
EFX Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on EFX today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for EFX. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EFX)
1. Head-to-Head Financials Peer Comparison (EFX vs. CRCL, SOFI, SYF, AFRM)
Industry: Finance: Consumer Services (156 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Equifax Inc. (EFX) ranks #118 by composite RQD confidence (70/100, grade B-) and #116 by equity capitalization ($20.99B). 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. SYF currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with EFX at 70/100 (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- | 70/100 | 31.8x | — | 10.2% | +2.90% | $20.99B | Benchmark Subject |
| CRCL Circle Internet Group Inc. | D | 47/100 | — | — | -0.2% | -9.31% | $20.31B | /crcl-vs-efx → |
| SOFI SoFi Technologies Inc. | E | 33/100 | 47.3x | — | 2.1% | -4.83% | $22.74B | /sofi-vs-efx → |
| SYF Synchrony Financial | B | 72/100 | 6.7x | — | 7.6% | -2.10% | $23.97B | /syf-vs-efx → |
| AFRM Affirm Holdings Inc. | C- | 60/100 | — | — | -1.2% | -1.83% | $25.36B | /afrm-vs-efx → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000033185In 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 ENABLEDIs EFX stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Equifax Inc. (NYSE: EFX) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $184.60 (+2.90% 1D, market cap $20.99B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, EFX ranks #118 in composite RQD confidence.
How does EFX compare to CRCL and SOFI in the Financials sector?
Within the Financials sector (Finance: Consumer Services), EFX carries a Roarable B- (70/100 RQD), trailing P/E of 31.8x, gross margin of —, and ROIC of 10.2%. By comparison, CRCL (Circle Internet Group Inc.) holds a D grade (47/100 RQD, P/E N/A, ROIC -0.2%, cap $20.31B) and SOFI (SoFi Technologies Inc.) posts a E grade (33/100 RQD, P/E 47.3x, ROIC 2.1%, cap $22.74B). 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 $184.60 (+2.90% on volume of 1,611,921 shares), positioning the stock +11.35% above its 50-day simple moving average ($165.79) and +4.57% above its 200-day simple moving average ($176.54). Across its 52-week range of $137.01 to $228.67, EFX sits at the 51.9% percentile with a 14-day RSI of 61.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.6% ($172.42 to $196.78).
EFX Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is EFX stock moving today?
Why EFX Stock surged +2.90% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 10% return on capital) with steady institutional support.
EFX — Equifax Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
The Roarable RQD Score is 70, graded B- and labeled "Roarable Buy — Sound Institutional Accumulation," per the Roarable RQD rating. The five pillars are:
- Fundamental Cash Engine: 16 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 10.2% and an FCF yield of 6.39%. This is the strongest pillar and suggests the business generates meaningful cash relative to its capital base and market value.
- Whale 13F Flow: 13 / 20. Per the Roarable RQD rating, this pillar captures institutional accumulation and options positioning. The underlying 13F and options detail is not itemized in the source data.
- Insider Conviction: 15 / 20. Per the Roarable RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. The individual transactions are not itemized in the source data.
- Macro Regime Fit: 11 / 20. Per the Roarable RQD rating, this pillar reflects a Beta of 1.11 and sector sensitivity. This is the weakest pillar, indicating moderate exposure to market-wide swings.
- Forensic Balance Sheet: 15 / 20. Per the Roarable RQD rating, this pillar reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 8/9, and Debt/Equity of 0.5. These readings point to a financially sound balance sheet.
For a prospective investor, the upside drivers are the cash generation and balance sheet strength, while the valuation tradeoff is that trailing P/E of 31.8 and EV/EBITDA of 18.7 (per the market data section) are elevated relative to the cash-yield metrics. The 11/20 macro pillar signals that the stock's sensitivity to broader market and sector conditions is a meaningful consideration. This brief is educational and is not personalized financial advice.
Snapshot
Business
Equifax Inc. (EFX) is a NYSE-listed issuer classified in the Financials sector and the Finance: Consumer Services industry, per the profile section. The profile identifies the company as operating in Finance: Consumer Services with a market capitalization of $21.0B. The source data does not describe specific products, customer segments, or revenue-generation mechanics beyond this classification.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $6074.5M | $1095.2M | $660.3M | N/A | $1342.3M | $180.8M | $4055.3M |
| FY 2024 | $5681.1M | $1042.1M | $604.1M | N/A | $1068.9M | $169.9M | $4322.8M |
| FY 2023 | $5265.2M | $933.6M | $545.3M | N/A | $879.9M | N/A | $2701.6M |
Per the SEC financials, revenue grew from $5265.2M in FY 2023 to $6074.5M in FY 2025, and FCF rose from $879.9M to $1342.3M over the same span. Per the market data section, operating margin is 18%, net margin is 10.9%, and gross margin is recorded as 0%. ROIC is 10.2%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 8/9. Per the SEC financials, total debt declined from $4322.8M in FY 2024 to $4055.3M in FY 2025, and cash rose from $169.9M to $180.8M.
Recent Catalysts & News Wire Analysis
Per the recent news section, six Yahoo Finance and Motley Fool items reference EFX, with headlines including "Why Is Equifax (EFX) Stock Soaring Today," "Why Equifax Stock Popped After Earnings," "Equifax (EFX) Stock Climbs As Q3 Earnings Showcase Margin Power," "Why Equifax (EFX) stock is trading up today," "Equifax (EFX) Stock May Stay Hard To Judge Following Mortgage Push," and "Equifax (EFX) Stock Sees Fair Value Cut As Analysts Trim Mortgage Growth Views." Two items are tagged CATALYST (green) and four are tagged MARKET WIRE (yellow). The item tagged "Equifax (EFX) Stock Sees Fair Value Cut" references analysts trimming mortgage growth views, which is a flagged risk watch item. The "Mortgage Push" headline is also flagged as a source of uncertainty. Per the Butterfly Supply-Chain Graph, no proprietary signals are recorded. The news summaries themselves are generic and do not contain the underlying article detail.
Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples
Per the Butterfly Supply-Chain Graph, the supply chain is recorded as "NONE" and there are no butterfly links or proprietary signals. Upstream and downstream dependencies are therefore not available in source data. Sector classification is Financials / Finance: Consumer Services per the profile section. 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. An investor should monitor whether mortgage-linked revenue trends drive the next period of results, though the source data does not quantify this exposure.
Open Questions
- What is the revenue breakdown by product or segment, and how much is mortgage-linked?
- What are the reported EPS figures for FY 2023 through FY 2025, which are listed as N/A in the source data?
- What specific 13F, options, Form 4, and Congressional PTR transactions underlie the Whale, Insider, and Pillar scores?
- What is the FY 2023 cash balance, which is listed as N/A?
- Why is gross margin recorded as 0%, and what does it reflect given the reported operating and net margins?
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
Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
The Motley Fool report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Equifax Inc. (EFX) market action, institutional positioning, and fundamental catalysts.
A stranger only needs one phone call and a Social Security number to open credit accounts in a confused parent's name, but federal law gives caregivers a specific legal tool to shut that door before it opens.
EFX Bull vs. Bear Conversation Board — What's Your Call at $184.60?
🔥 Official Bull vs. Bear Debate: Is EFX (B- • RQD 70/100) a Buy at $179.39?
Welcome to the EFX (Equifax Inc.) Roar Pit. Current RQD Composite is 70/100 (Roarable Buy — Sound Institutional Accumulation) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (31.8x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on EFX — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on EFX, but look at what you are paying: 31.8x trailing P/E with tightening sector spreads. Unless Equifax Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
EFX cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on EFX, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $179.39 (52-wk range $137.01 - $228.67), any beat on forward guidance forces shorts and underweight funds to chase.