EFX Stock Analysis: Buy, Sell, or Hold?
EFX - Equifax, Incorporated
$201.40
-2.60 (-1.27%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 04, 2026
3d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: EFX shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: EFX shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$335.41
Based on 9.3% avg growth
INTRINSIC VALUE TODAY
$208.26
3.3% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 24.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: EFX is currently trading at $201.40, which is considered oversold relative to its 30-day fair value range of $209.46 to $221.94. The stock's valuation (Forward PE: 23.4) is in line with its historical norms (24.7). Remarkably, the market is currently pricing in an annual earnings decline of 1.8% over the next few years. This pessimistic expectation contrasts with the company's recent 14.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, EFX is in a strong downtrend. The price is currently testing key support at $199.63. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: EFX has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $262.75 (+28.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, EFX is in a strong downtrend. The price is currently testing key support at $199.63. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: EFX has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $262.75 (+28.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$209.46 -
$221.94
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
Protect Your Profits
Holding EFX? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 28.8% below Wall St target ($262.75)
Fair Price Analysis
30-Day Fair Range
$209.46 -
$221.94
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$199.63
Resistance Level
$219.90
Current Trend
Strong Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
23.37
Wall Street Target
$262.75
(+28.8%)
Revenue Growth (YoY)
7.2%
Earnings Growth (YoY)
14.2%
Profit Margin
11.1%
Valuation Discount vs History
-1.8% cheaper
PE vs Historical
23.4 vs 24.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.8%
(market-implied from PE analysis)
1-Year Target
$200.33
(-2%)
2-Year Target
$196.72
(-4%)
3-Year Target
$193.18
(-5%)
3-Yr Target (if PE normalizes)
(PE: 23→25)
$204.21
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 23.4, Growth: 14.6%)
$307.31
(+51%)
Base:
(SPY PE: 22.3, Growth: 14.6%)
$293.30
(+44%)
Bear:
(PE: 19.0, Growth: 14.6%)
$249.30
(+22%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (39x PE), but valuation improves significantly next year (23x PE) as earnings recover.
Trailing PE: 38.74 | Current EPS (TTM): $5.30
Bull Case
$372.07
(+85%)
Analyst growth 64.7%, PE expands to 42.6
Base Case
$338.24
(+68%)
Market implied 64.7%, PE stable at 38.7
Bear Case
$139.62
(-31%)
Severe decline -20.0%, PE contracts to 32.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 23.4 to 24.7
Stabilization Target:
$215.65
(+5.7%)
PE Expansion Potential:
+5.7%
Last updated: January 31, 2026 10:19 AM ET
Data refreshes hourly during market hours. Next update: 11:19 AM
Data refreshes hourly during market hours. Next update: 11:19 AM
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Technical Signals Check
Is EFX showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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