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Equifax Inc
EFX : NYSE : Financial
$110.54 up0.49 | 0.45%
Today's Range: 110.05 - 110.51
Avg. Daily Volume: 648,400
11/25/15 - 10:18 AM ET

Financial Analysis

EQUIFAX INC's gross profit margin for the third quarter of its fiscal year 2015 is essentially unchanged when compared to the same period a year ago. Sales and net income have grown, and although the growth in revenues has outpaced the average competitor within the industry, the net income growth has not. EQUIFAX INC has weak liquidity. Currently, the Quick Ratio is 0.68 which shows a lack of ability to cover short-term cash needs. The company's liquidity has increased from the same period last year, indicating improving cash flow.

During the same period, stockholders' equity ("net worth") has remained virtually unchanged only decreasing by 4.54% from the same quarter last year. Overall, the key liquidity measurements indicate that the company is in a position in which financial difficulties could develop in the future.

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Income Statement Q3 FY15 Q3 FY14
Net Sales ($mil)667.4613.4
EBITDA ($mil)223.7212.5
EBIT ($mil)174.3161.6
Net Income ($mil)117.992.7

Balance Sheet Q3 FY15 Q3 FY14
Cash & Equiv. ($mil)108.5115.0
Total Assets ($mil)4541.44707.1
Total Debt ($mil)1332.71554.6
Equity ($mil)2227.92334.0

Profitability Q3 FY15 Q3 FY14
Gross Profit Margin66.0665.6
EBITDA Margin33.5134.64
Operating Margin26.1226.34
Sales Turnover0.580.51
Return on Assets9.147.35
Return on Equity18.6314.82
Debt Q3 FY15 Q3 FY14
Current Ratio0.840.72
Interest Expense15.817.1
Interest Coverage11.039.45

Share Data Q3 FY15 Q3 FY14
Shares outstanding (mil)118.3120.4
Div / share0.290.25
Book value / share18.8319.39
Institutional Own % n/a n/a
Avg Daily Volume682828.0589794.0


BUY. This stock's P/E ratio indicates a premium compared to an average of 28.32 for the Professional Services industry and a significant premium compared to the S&P 500 average of 21.93. Conducting a second comparison, its price-to-book ratio of 5.83 indicates a significant premium versus the S&P 500 average of 2.77 and a premium versus the industry average of 5.22. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, EQUIFAX INC proves to trade at a premium to investment alternatives within the industry.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
EFX 32.03 Peers 28.32   EFX 17.54 Peers 15.94

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

EFX is trading at a premium to its peers.


Premium. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

EFX is trading at a premium to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
EFX 22.29 Peers 21.29   EFX 0.63 Peers 0.71

Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations.

EFX is trading at a premium to its peers.


Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

EFX trades at a discount to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
EFX 5.83 Peers 5.22   EFX 22.93 Peers 24.13

Premium. A higher price-to-book ratio makes a stock less attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

EFX is trading at a premium to its peers.


Average. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

EFX is expected to keep pace with its peers on the basis of earnings growth.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
EFX 4.96 Peers 3.16   EFX 9.68 Peers 8.20

Premium. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

EFX is trading at a significant premium to its industry.


Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

EFX has a sales growth rate that exceeds its peers.



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