CluenexEquifax EFX
Equifax scores average on business quality (5.2 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What Equifax does
Equifax collects financial data and credit histories, selling reports and analytics to lenders, businesses, and consumers.
- What it does best
Equifax dominates credit data aggregation, boasting a gross margin of 55.5% that outpaces peers like LDOS at 17.8%. This scale creates high switching costs for major financial institutions embedded in its data pipelines.
- The main risk
Legal liabilities and settlement costs threaten cash flows, highlighted by a recent $100M settlement that weighs directly on earnings stability.
Quality, check by check
Scored against its own industry, from company filings.
Operating margin stands at 17.8% with an FCF margin in the top quartile at the 81st sector percentile, demonstrating solid cash conversion as revenue scales.
Proprietary credit data creates high switching costs for financial institutions, ranking in the top quartile of its sector for gross margin at 88th percentile.
Revenue grew to $6.4B, marking a 6.9% acceleration over prior annual periods as core data solutions continue expanding steadily.
Debt-to-equity sits at 1.1 with interest coverage at 5.2x, while free cash flow reached $1.1B. The balance sheet remains heavily leveraged.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
No open market buys or unplanned sales by executives or directors.
Our sealed record on EFX
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
Equifax scores average on the Cluenex quality check (5.2 of 10), measured against its own industry. Profitability is fair, moat fair, growth steady and financial health fair.
In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.
Oct 20, 2026, after the close.
See EFX today
- Today's verdict on EFX, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “Equifax (EFX)”, https://cluenex.com/stocks/efx/, data as of Oct 10, 2026.