Equifax Inc Financials
This page shows Equifax Inc (EFX) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Equifax Inc has an operating margin of 18.3%, meaning the company retains $18 of operating profit per $100 of revenue. This strong profitability earns a score of 92/100, reflecting efficient cost management and pricing power. This is up from 17.7% the prior year.
Equifax Inc's revenue grew 7.9% year-over-year to $5.7B, a solid pace of expansion. This earns a growth score of 51/100.
Equifax Inc carries a low D/E ratio of 0.90, meaning only $0.90 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 78/100, indicating a strong balance sheet with room for future borrowing.
Equifax Inc's current ratio of 0.75 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 10/100, which could limit financial flexibility.
Equifax Inc converts 14.3% of revenue into free cash flow ($813.0M). This strong cash generation earns a score of 72/100.
Equifax Inc's ROE of 12.6% shows moderate profitability relative to equity, earning a score of 50/100. This is up from 12.0% the prior year.
Equifax Inc scores 3.48, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($23.2B) relative to total liabilities ($6.8B). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Equifax Inc passes 8 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 2 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Equifax Inc generates $2.19 in operating cash flow ($1.3B OCF vs $604.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Equifax Inc earns $4.5 in operating income for every $1 of interest expense ($1.0B vs $229.1M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Equifax Inc generated $5.7B in revenue in fiscal year 2024. This represents an increase of 7.9% from the prior year.
Equifax Inc's EBITDA was $1.7B in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 10.9% from the prior year.
Equifax Inc generated $813.0M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 57.7% from the prior year.
Equifax Inc reported $604.1M in net income in fiscal year 2024. This represents an increase of 10.8% from the prior year.
Equifax Inc earned $4.84 per diluted share (EPS) in fiscal year 2024. This represents an increase of 10.0% from the prior year.
Equifax Inc held $169.9M in cash against $4.3B in long-term debt as of fiscal year 2024.
Equifax Inc paid $1.56 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Equifax Inc had 124M shares outstanding in fiscal year 2024. This represents an increase of 0.1% from the prior year.
Equifax Inc's gross margin was 55.7% in fiscal year 2024, indicating the percentage of revenue retained after direct costs. This is up 0.0 percentage points from the prior year.
Equifax Inc's operating margin was 18.3% in fiscal year 2024, reflecting core business profitability. This is up 0.6 percentage points from the prior year.
Equifax Inc's net profit margin was 10.6% in fiscal year 2024, showing the share of revenue converted to profit. This is up 0.3 percentage points from the prior year.
Equifax Inc's ROE was 12.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the prior year.
Equifax Inc invested $511.5M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 14.9% from the prior year.
EFX Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.5B+0.5% | $1.5B+6.6% | $1.4B+1.6% | $1.4B-0.8% | $1.4B+3.0% | $1.4B+4.7% | $1.3B+0.6% | $1.3B |
| Cost of Revenue | $663.2M-0.2% | $664.6M+1.2% | $656.7M+6.8% | $614.9M-2.5% | $630.9M+0.5% | $627.7M+7.9% | $581.5M-0.6% | $585.2M |
| Gross Profit | $881.7M+1.1% | $872.4M+11.1% | $785.3M-2.4% | $804.5M+0.6% | $799.6M+5.0% | $761.7M+2.2% | $745.0M+1.5% | $733.9M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $434.1M+13.0% | $384.2M+2.5% | $374.9M+8.7% | $344.9M-2.2% | $352.6M-5.4% | $372.6M+8.5% | $343.4M+3.1% | $333.1M |
| Operating Income | $264.3M-15.0% | $310.8M+31.8% | $235.8M-18.2% | $288.1M+2.1% | $282.2M+25.6% | $224.7M-8.2% | $244.9M-0.6% | $246.4M |
| Interest Expense | $52.2M-1.7% | $53.1M+0.4% | $52.9M-5.2% | $55.8M-2.6% | $57.3M-4.0% | $59.7M-1.0% | $60.3M-4.0% | $62.8M |
| Income Tax | $53.8M-21.7% | $68.7M+33.1% | $51.6M-1.1% | $52.2M-12.1% | $59.4M+46.7% | $40.5M-16.3% | $48.4M+83.3% | $26.4M |
| Net Income | $160.2M-16.3% | $191.3M+43.7% | $133.1M-23.5% | $174.0M+6.2% | $163.9M+31.2% | $124.9M-5.7% | $132.4M-18.4% | $162.2M |
| EPS (Diluted) | $1.29-15.7% | $1.53+44.3% | $1.06-24.3% | $1.40+6.9% | $1.31+31.0% | $1.00-5.7% | $1.06-19.1% | $1.31 |
EFX Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $11.8B-0.7% | $11.9B+0.5% | $11.9B+0.8% | $11.8B-3.2% | $12.2B-0.8% | $12.3B-0.2% | $12.3B-0.6% | $12.3B |
| Current Assets | $1.5B-2.6% | $1.5B+1.8% | $1.5B+8.5% | $1.4B-4.0% | $1.4B-2.2% | $1.4B+6.9% | $1.4B-15.1% | $1.6B |
| Cash & Equivalents | $189.0M0.0% | $189.0M-3.2% | $195.2M+14.9% | $169.9M-6.6% | $181.9M-9.5% | $201.0M-7.3% | $216.8M-47.5% | $412.6M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $1.0B-2.3% | $1.0B+2.1% | $1.0B+6.3% | $957.6M-5.4% | $1.0B+0.6% | $1.0B+10.8% | $908.2M-6.2% | $967.9M |
| Goodwill | $6.7B+0.1% | $6.7B+1.0% | $6.6B+0.7% | $6.5B-2.9% | $6.7B-0.2% | $6.8B-1.0% | $6.8B+1.5% | $6.7B |
| Total Liabilities | $6.8B+1.1% | $6.7B-0.9% | $6.7B-1.4% | $6.8B-6.5% | $7.3B-2.9% | $7.5B-0.7% | $7.6B-3.5% | $7.9B |
| Current Liabilities | $2.0B+2.0% | $1.9B+12.4% | $1.7B-4.4% | $1.8B+1.4% | $1.8B-9.5% | $2.0B-2.2% | $2.0B+27.6% | $1.6B |
| Long-Term Debt | $4.1B+0.1% | $4.1B-6.3% | $4.3B0.0% | $4.3B-8.9% | $4.7B-0.1% | $4.7B-0.1% | $4.7B-13.7% | $5.5B |
| Total Equity | $4.9B-3.2% | $5.1B+2.5% | $5.0B+3.8% | $4.8B+2.1% | $4.7B+2.9% | $4.6B+0.6% | $4.5B+5.6% | $4.3B |
| Retained Earnings | $6.3B+1.6% | $6.2B+2.1% | $6.1B+1.4% | $6.0B+3.8% | $5.8B+2.0% | $5.7B+1.4% | $5.6B+1.5% | $5.5B |
EFX Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $559.9M+55.1% | $361.1M+61.3% | $223.9M-31.1% | $324.8M+21.4% | $267.5M+5.9% | $252.7M-21.5% | $322.1M-15.6% | $381.7M |
| Capital Expenditures | $122.0M-0.2% | $122.2M+14.0% | $107.2M-9.8% | $118.9M-13.0% | $136.7M+3.6% | $131.9M-9.5% | $145.7M+8.5% | $134.3M |
| Free Cash Flow | $437.9M+83.3% | $238.9M+104.7% | $116.7M-43.3% | $205.9M+57.4% | $130.8M+8.3% | $120.8M-31.5% | $176.4M-28.7% | $247.4M |
| Investing Cash Flow | -$122.0M-0.5% | -$121.4M-13.2% | -$107.2M+9.8% | -$118.9M+13.0% | -$136.7M-3.6% | -$131.9M+14.1% | -$153.5M+62.2% | -$406.0M |
| Financing Cash Flow | -$436.7M-74.0% | -$251.0M-162.0% | -$95.8M+80.9% | -$501.4M-237.0% | -$148.8M-12.8% | -$131.9M+64.3% | -$369.7M-231.7% | $280.7M |
| Dividends Paid | $61.5M-0.8% | $62.0M+27.8% | $48.5M+0.2% | $48.4M+0.4% | $48.2M0.0% | $48.2M+0.2% | $48.1M0.0% | $48.1M |
| Share Buybacks | $300.0M | N/A | N/A | $0 | N/A | N/A | N/A | N/A |
EFX Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 57.1%+0.3pp | 56.8%+2.3pp | 54.5%-2.2pp | 56.7%+0.8pp | 55.9%+1.1pp | 54.8%-1.3pp | 56.2%+0.5pp | 55.6% |
| Operating Margin | 17.1%-3.1pp | 20.2%+3.9pp | 16.4%-4.0pp | 20.3%+0.6pp | 19.7%+3.6pp | 16.2%-2.3pp | 18.5%-0.2pp | 18.7% |
| Net Margin | 10.4%-2.1pp | 12.4%+3.2pp | 9.2%-3.0pp | 12.3%+0.8pp | 11.5%+2.5pp | 9.0%-1.0pp | 10.0%-2.3pp | 12.3% |
| Return on Equity | 3.2%-0.5pp | 3.8%+1.1pp | 2.7%-1.0pp | 3.6%+0.1pp | 3.5%+0.8pp | 2.7%-0.2pp | 2.9%-0.9pp | 3.8% |
| Return on Assets | 1.4%-0.3pp | 1.6%+0.5pp | 1.1%-0.4pp | 1.5%+0.1pp | 1.4%+0.3pp | 1.0%-0.1pp | 1.1%-0.2pp | 1.3% |
| Current Ratio | 0.74-0.0 | 0.77-0.1 | 0.85+0.1 | 0.75-0.0 | 0.79+0.1 | 0.73+0.1 | 0.67-0.3 | 1.01 |
| Debt-to-Equity | 0.82+0.0 | 0.79-0.1 | 0.87-0.0 | 0.90-0.1 | 1.01-0.0 | 1.040.0 | 1.05-0.2 | 1.28 |
| FCF Margin | 28.3%+12.8pp | 15.5%+7.5pp | 8.1%-6.4pp | 14.5%+5.4pp | 9.1%+0.4pp | 8.7%-4.6pp | 13.3%-5.5pp | 18.8% |
Note: The current ratio is below 1.0 (0.75), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
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Frequently Asked Questions
What is Equifax Inc's annual revenue?
Equifax Inc (EFX) reported $5.7B in total revenue for fiscal year 2024. This represents a 7.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Equifax Inc's revenue growing?
Equifax Inc (EFX) revenue grew by 7.9% year-over-year, from $5.3B to $5.7B in fiscal year 2024.
Is Equifax Inc profitable?
Yes, Equifax Inc (EFX) reported a net income of $604.1M in fiscal year 2024, with a net profit margin of 10.6%.
What is Equifax Inc's earnings per share (EPS)?
Equifax Inc (EFX) reported diluted earnings per share of $4.84 for fiscal year 2024. This represents a 10.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Equifax Inc's EBITDA?
Equifax Inc (EFX) had EBITDA of $1.7B in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Equifax Inc have?
As of fiscal year 2024, Equifax Inc (EFX) had $169.9M in cash and equivalents against $4.3B in long-term debt.
What is Equifax Inc's gross margin?
Equifax Inc (EFX) had a gross margin of 55.7% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.
What is Equifax Inc's operating margin?
Equifax Inc (EFX) had an operating margin of 18.3% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Equifax Inc's net profit margin?
Equifax Inc (EFX) had a net profit margin of 10.6% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Equifax Inc pay dividends?
Yes, Equifax Inc (EFX) paid $1.56 per share in dividends during fiscal year 2024.
What is Equifax Inc's return on equity (ROE)?
Equifax Inc (EFX) has a return on equity of 12.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Equifax Inc's free cash flow?
Equifax Inc (EFX) generated $813.0M in free cash flow during fiscal year 2024. This represents a 57.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Equifax Inc's operating cash flow?
Equifax Inc (EFX) generated $1.3B in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Equifax Inc's total assets?
Equifax Inc (EFX) had $11.8B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Equifax Inc's capital expenditures?
Equifax Inc (EFX) invested $511.5M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Equifax Inc have outstanding?
Equifax Inc (EFX) had 124M shares outstanding as of fiscal year 2024.
What is Equifax Inc's current ratio?
Equifax Inc (EFX) had a current ratio of 0.75 as of fiscal year 2024, which is below 1.0, which may suggest potential liquidity concerns.
What is Equifax Inc's debt-to-equity ratio?
Equifax Inc (EFX) had a debt-to-equity ratio of 0.90 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Equifax Inc's return on assets (ROA)?
Equifax Inc (EFX) had a return on assets of 5.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Equifax Inc's Altman Z-Score?
Equifax Inc (EFX) has an Altman Z-Score of 3.48, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Equifax Inc's Piotroski F-Score?
Equifax Inc (EFX) has a Piotroski F-Score of 8 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Equifax Inc's earnings high quality?
Equifax Inc (EFX) has an earnings quality ratio of 2.19x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Equifax Inc cover its interest payments?
Equifax Inc (EFX) has an interest coverage ratio of 4.5x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Equifax Inc?
Equifax Inc (EFX) scores 59 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.