Equifax Inc.EFX

Morningstar Rating

Stock Research and Analysis

by Bradley Meeks

Equifax is a wide-moat firm that benefits from a limited amount of competition and formidable barriers to entry. Although short-term head winds will put pressure on near-term results, we think the company's healthy level of profitability will remain Read more

Bulls Say

Credit-scoring is in its infancy overseas. Equifax can use its reputation and experience to generate international revenue growth over time.

Mortgage refinancing activity can be a boon during bad economic times. As interest rates decline and refinancing activity increases; Equifax's credit data are in high demand.

The company's fraud detection services should help boost top-line growth due to an increased need for information security. Read more

Bears Say

Equifax's business exhibits cyclicality. Economic downturns typically reduce the demand for Equifax's services.

Changing credit card regulations could impact the firm's data requirements and significantly raise the firm's costs.

With limited reinvestment opportunities the company should return more cash to shareholders, in our opinion. Read more

Strategy

Equifax's core product offering includes credit scoring products, primarily marketed to businesses and individuals. The company is attempting to leverage its massive collection of data into other credit Read more

Management

Chairman and CEO Richard Smith has been at the helm of Equifax since 2005. Prior to joining the firm, Smith held various executive-level positions with General Electric's GE Insurance Solutions group. Executive compensation is reasonable. However, long-term Read more

Profile

Equifax is one of three major credit bureaus in the United States. The firm provides credit information that is used to assess the creditworthiness of consumers. Customers Read more

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