Equifax Inc.

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EFX : NYSE : Commercial Services
$113.83 -1.72 | -1.49%
Today's Range: 113.79 - 116.755
Avg. Daily Volume: 1128600.0
02/21/18 - 4:00 PM ET

Financial Analysis

EQUIFAX INC's gross profit margin for the third quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. Even though sales increased, the net income has decreased. EQUIFAX INC has weak liquidity. Currently, the Quick Ratio is 0.58 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 increased by 12.90% 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 FY17 Q3 FY16
Net Sales ($mil)834.8804.2
EBITDA ($mil)225.3289.1
EBIT ($mil)152.9218.4
Net Income ($mil)96.3132.8

Balance Sheet Q3 FY17 Q3 FY16
Cash & Equiv. ($mil)315.4135.3
Total Assets ($mil)7115.76806.6
Total Debt ($mil)2706.52843.0
Equity ($mil)3100.42746.1

Profitability Q3 FY17 Q3 FY16
Gross Profit Margin64.3964.19
EBITDA Margin26.9835.94
Operating Margin18.3227.16
Sales Turnover0.470.44
Return on Assets7.567.01
Return on Equity17.3517.39
Debt Q3 FY17 Q3 FY16
Current Ratio0.670.51
Interest Expense21.324.3
Interest Coverage7.188.99

Share Data Q3 FY17 Q3 FY16
Shares outstanding (mil)120.0119.6
Div / share0.390.33
Book value / share25.8422.96
Institutional Own % n/a n/a
Avg Daily Volume1166208.04039424.0


BUY. EQUIFAX INC's P/E ratio indicates a discount compared to an average of 30.62 for the Professional Services industry and a value on par with the S&P 500 average of 25.51. Conducting a second comparison, its price-to-book ratio of 4.54 indicates a premium versus the S&P 500 average of 3.26 and a significant discount versus the industry average of 8.12. The current price-to-sales ratio is well above the S&P 500 average and above the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, EQUIFAX INC proves to trade at a discount to investment alternatives within the industry.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
EFX 26.51 Peers 30.62   EFX 16.00 Peers 17.48

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

EFX is trading at a discount to its peers.


Average. 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 valuation on par to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
EFX 19.59 Peers 19.72   EFX 0.57 Peers 0.98

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

EFX is trading at a valuation on par with 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 significant discount to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
EFX 4.54 Peers 8.12   EFX 11.89 Peers 48.17

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

EFX is trading at a significant discount to its peers.


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

However, EFX is expected to significantly trail its peers on the basis of its earnings growth rate.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
EFX 4.23 Peers 3.90   EFX 10.45 Peers 11.27

Average. 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 valuation on par with its industry on this measurement.


Average. Comparing a company's sales growth to its industry helps to determine if the company is adding or losing market share.

EFX is keeping pace with its peers on the basis of sales growth.



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