Equifax

EFX · NYSE

$176.54+$17.97 (+11.33%)TodayMarket closed · Oct 20, 7:58 PM ET

Prev close $158.57

EFX analyst rating

BuyConsensus of 16 analysts over the last 12 months. 69% rate it a buy.

Strong buy0
Buy11
Hold5
Underperform0
Sell0

12-month price target · 24 analysts

Average $215.54 (+22.1% upside)

Low: $161.60
Now: $176.54
High: $257.25

Upgrades and downgrades

The latest rating actions, newest first

EFX analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Mizuho	Oct 19, 2026	Maintains	Outperform	$210.00 → $185.00	20%
Oppenheimer	Oct 16, 2026	Downgrade	Outperform → Perform	—	51%
RBC Capital	Oct 16, 2026	Maintains	Outperform	$194.00 → $177.00	64%
Morgan Stanley	Oct 13, 2026	Maintains	Overweight	$225.00 → $205.00	48%
Needham	Oct 13, 2026	Maintains	Buy	$245.00 → $190.00	40%
Barclays	Oct 2, 2026	Maintains	Equal-Weight	$200.00 → $155.00	64%
BMO Capital	Sep 30, 2026	Maintains	Market Perform	$179.00 → $160.00	11%
Wells Fargo	Sep 22, 2026	Maintains	Overweight	$212.00 → $200.00	46%
Rothschild & Co	Aug 21, 2026	Upgrade	Neutral → Buy	$214.00 → $235.00	50%
Wells Fargo	Jul 22, 2026	Maintains	Overweight	$220.00 → $212.00	46%

The case for and against

Updated Oct 21, 2026

Bull case

Equifax is well-positioned by its entrenched role in U.S. credit bureaus, where lenders rely on its consumer credit histories and verification data to make lending decisions, while Workforce Solutions contributes about 40% of revenue and supports recurring demand through income verification and HR services. Its diversified platform is reinforced by roughly 25% of revenue from outside the United States and by strong recent execution, including 2Q26 revenue of about $1.70 billion, adjusted EBITDA of roughly $552 million, and continued share gains in mortgage, talent, government, and consumer lending. The company’s growing AI-enabled product suite, improving margins, and lower technology costs should strengthen cash generation and deepen its competitive moat over time.

Bear case

Equifax is facing a negative fundamental setup because its growth is increasingly vulnerable to contract timing shifts, mortgage weakness, and potential disintermediation from GenAI and competitive pressures, even as management has to reinvest savings rather than convert them into meaningful margin expansion. In 2Q26, Government Verification revenue fell about 4% year over year, the company narrowed FY26 revenue to $6.71 billion-$6.78 billion and EPS to $8.39-$8.69, and analysts still trimmed FY26 and FY27 EPS estimates to $8.56 and $9.70. With roughly 40% of revenue tied to Workforce Solutions, about 25% from outside the United States, and a high debt load that raises refinancing risk, the business remains exposed to cyclical lending conditions, regulatory change, and foreign and litigation risks.

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