Market Price

141.57 

0.68 0.5%

as of Oct 29 '20

52 Week Range:

103.01 181.76


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Equifax Inc. provides information solutions and human resources business process outsourcing services for businesses, governments, and consumers. The company operates through four segments: U.S. Information Solutions (USIS), Workforce Solutions, International, and Global Consumer Solutions. The USIS segment offers consumer and commercial information services, such as credit information and credit scoring, credit modeling and portfolio analytics, locate, fraud detection and prevention, identity verification, and other consulting; mortgage services; financial marketing; and identity management services. The Workforce Solutions segment provides employment, income, and social security number verification services, as well as payroll-based transaction and employment tax management services. The International segment provides information service products, which include consumer and commercial services, such as credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as offers information, technology, and other services to support debt collections and recovery management. The Global Consumer Solutions segment offers credit information, credit monitoring, and identity theft protection products directly to consumers through Internet. The company serves customers in financial service, mortgage, employers, consumer, commercial, telecommunication, retail, automotive, utility, brokerage, healthcare, and insurance industries, as well as state and federal governments. It operates in the United States, Canada, Australia, New Zealand, India, the United Kingdom, Spain, Portugal, Argentina, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru, Uruguay, Brazil, the Republic of Ireland, Russia, Cambodia, Malaysia, Singapore, and the United Arab Emirates. Equifax Inc. was founded in 1899 and is headquartered in Atlanta, Georgia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 12.69
13.80
14.69
16.06
17.83
19.55
18.77
22.90
25.82
26.41
20.76
growth rate 8.8% 6.5% 9.3% 11.0% 9.7% -4.0% 22.0% 12.8% 2.3% -21.4%
Earnings BIT 356.60
375.20
408.20
440.20
530.40
638.20
714.60
848.20
774.50
428.40
468.90
growth rate 5.2% 8.8% 7.8% 20.5% 20.3% 12.0% 18.7% -8.7% -44.7% 9.5%
Avg.PE 16.89
19.16
20.70
24.39
25.71
31.44
29.96
32.02
25.51
30.37
51.05
growth rate 13.4% 8.0% 17.8% 5.4% 22.3% -4.7% 6.9% -20.3% 19.1% 68.1%
ROA 6.87
7.64
6.71
6.79
7.77
7.97
9.35
8.75
8.45
4.17
-5.30
growth rate 11.2% -12.2% 1.2% 14.4% 2.6% 17.3% -6.4% -3.4% -50.7% -100.0%
ROE 16.06
16.20
13.73
14.97
16.62
16.33
19.02
19.66
20.12
9.54
-14.03
growth rate 0.9% -15.3% 9.0% 11.0% -1.7% 16.5% 3.4% 2.3% -52.6% -100.0%
ROIC 10.26
11.09
9.94
9.64
10.72
11.03
13.07
12.47
11.80
6.69
-5.08
growth rate 8.1% -10.4% -3.0% 11.2% 2.9% 18.5% -4.6% -5.4% -43.3% -100.0%
Cur. Ratio 0.85
1.34
1.25
0.82
0.98
0.74
0.93
0.53
0.60
1.09
0.89
growth rate 57.7% -6.7% -34.4% 19.5% -24.5% 25.7% -43.0% 13.2% 81.7% -18.4%
Quick Ratio 0.74
1.20
1.14
0.72
0.82
0.57
0.73
0.45
0.47
0.84
0.69
growth rate 62.2% -5.0% -36.8% 13.9% -30.5% 28.1% -38.4% 4.4% 78.7% -17.9%
Leverage 2.22
2.03
2.06
2.33
1.97
2.12
1.95
2.50
2.28
2.30
3.07
growth rate -8.6% 1.5% 13.1% -15.5% 7.6% -8.0% 28.2% -8.8% 0.9% 33.5%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 258.70
262.60
284.40
317.00
309.70
337.20
349.80
444.20
534.00
538.50
680.10
growth rate 1.5% 8.3% 11.5% -2.3% 8.9% 3.7% 27.0% 20.2% 0.8% 26.3%
Acct.Payable 163.00
214.70
205.50
20.30
40.60
81.00
110.30
175.70
148.30
growth rate 31.7% -4.3% -90.1% 100.0% 99.5% 36.2% 59.3% -15.6%
Cur.Assets 416.80
433.10
456.90
538.70
648.40
590.50
561.60
672.90
998.40
902.30
1,209.40
growth rate 3.9% 5.5% 17.9% 20.4% -8.9% -4.9% 19.8% 48.4% -9.6% 34.0%
Total Assets 3,550.50
3,437.50
3,518.70
4,520.10
4,539.90
4,661.00
4,501.50
6,664.00
7,233.40
7,153.20
7,909.00
growth rate -3.2% 2.4% 28.5% 0.4% 2.7% -3.4% 48.0% 8.5% -1.1% 10.6%
Cash 103.10
119.40
127.70
146.80
235.90
128.30
93.30
129.30
336.40
223.60
401.30
growth rate 15.8% 7.0% 15.0% 60.7% -45.6% -27.3% 38.6% 160.2% -33.5% 79.5%
Inventory 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 492.20
319.50
364.90
646.50
662.50
823.10
603.80
1,259.60
1,673.50
826.80
1,359.10
growth rate -35.1% 14.2% 77.2% 2.5% 24.2% -26.6% 108.6% 32.9% -50.6% 64.4%
Liabilities 1,949.30
1,746.10
1,816.30
2,586.90
2,239.20
2,426.40
2,151.10
3,942.70
3,994.40
3,997.50
5,286.10
growth rate -10.4% 4.0% 42.4% -13.4% 8.4% -11.4% 83.3% 1.3% 0.1% 32.2%
LT Debt 990.90
978.90
966.00
1,447.40
1,145.50
1,145.70
1,138.40
2,086.80
1,739.00
2,630.60
3,379.50
growth rate -1.2% -1.3% 49.8% -20.9% 0.0% -0.6% 83.3% -16.7% 51.3% 28.5%
Equity 1,601.20
1,691.40
1,702.40
1,933.20
2,300.70
2,200.10
2,310.90
2,662.70
3,174.40
3,107.80
2,578.60
growth rate 5.6% 0.7% 13.6% 19.0% -4.4% 5.0% 15.2% 19.2% -2.1% -17.0%
Common Shares 128.00
127.00
124.00
123.00
124.00
124.00
121.00
121.00
122.00
121.00
122.00
growth rate -0.8% -2.4% -0.8% 0.8% 0.0% -2.4% 0.0% 0.8% -0.8% 0.8%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 70.70
99.80
75.00
66.00
83.30
86.40
146.20
173.50
218.20
321.90
399.60
growth rate 41.2% -24.9% -12.0% 26.2% 3.7% 69.2% 18.7% 25.8% 47.5% 24.1%
Cash Dividends 24.20
40.30
83.70
90.80
117.20
121.80
137.80
157.60
187.40
187.90
188.70
growth rate 66.5% 107.7% 8.5% 29.1% 3.9% 13.1% 14.4% 18.9% 0.3% 0.4%
Cash From OA 418.40
352.60
408.70
496.30
569.00
616.20
769.10
823.00
816.00
672.20
313.80
growth rate -15.7% 15.9% 21.4% 14.7% 8.3% 24.8% 7.0% -0.9% -17.6% -53.3%
FCF per Share 2.72
2.00
2.63
3.51
3.60
4.16
5.15
4.51
5.44
3.67
-1.41
growth rate -26.5% 31.5% 33.5% 2.6% 15.6% 23.8% -12.4% 20.6% -32.5% -100.0%
Sale Purchase of Stock -118.60
-16.80
52.60
39.70
34.40
31.50
-60.50
growth rate 0.0% 100.0% -24.5% -13.4% -8.4% -100.0%
FCF 347.00
253.00
333.00
430.00
483.00
529.00
595.00
622.00
597.00
350.00
-85.00
growth rate -27.1% 31.6% 29.1% 12.3% 9.5% 12.5% 4.5% -4.0% -41.4% -100.0%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 1,716.00
1,859.50
1,893.20
2,073.00
2,303.90
2,436.40
2,663.60
3,144.90
3,362.20
3,412.10
3,507.60
growth rate 8.4% 1.8% 9.5% 11.1% 5.8% 9.3% 18.1% 6.9% 1.5% 2.8%
Op.Income 381.80
430.00
238.80
275.30
341.50
638.20
714.60
848.20
774.50
428.40
468.90
growth rate 12.6% -44.5% 15.3% 24.1% 86.9% 12.0% 18.7% -8.7% -44.7% 9.5%
IBT 331.00
375.20
405.90
431.30
530.40
574.20
636.60
728.20
746.60
356.30
-433.00
growth rate 13.4% 8.2% 6.3% 23.0% 8.3% 10.9% 14.4% 2.5% -52.3% -100.0%
Net Income 233.90
266.70
238.80
275.30
341.50
367.40
429.10
488.80
587.30
299.80
-398.80
growth rate 14.0% -10.5% 15.3% 24.1% 7.6% 16.8% 13.9% 20.2% -49.0% -100.0%
EPS 1.83
2.11
1.88
2.22
2.84
2.97
3.55
4.04
4.83
2.47
-3.30
growth rate 15.3% -10.9% 18.1% 27.9% 4.6% 19.5% 13.8% 19.6% -48.9% -100.0%
Gross Profit 997.20
1,099.60
1,189.30
1,313.50
1,516.60
1,591.70
1,776.20
2,031.50
2,151.50
1,971.70
1,985.90
growth rate 10.3% 8.2% 10.4% 15.5% 5.0% 11.6% 14.4% 5.9% -8.4% 0.7%

Quarterly Statements

Item Name Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Earnings BIT 119.70
138.00
133.90
growth rate 15.3% -3.0%
Balance Sheet Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Acct.Receivable 516.60
680.10
605.50
592.50
605.90
growth rate 31.7% -11.0% -2.2% 2.3%
Acct.Payable 135.40
148.30
170.90
149.40
159.50
growth rate 9.5% 15.2% -12.6% 6.8%
Cur.Assets 853.00
1,209.40
1,149.00
2,104.90
2,311.60
growth rate 41.8% -5.0% 83.2% 9.8%
Total Assets 7,430.70
7,909.00
7,622.80
8,832.80
9,249.80
growth rate 6.4% -3.6% 15.9% 4.7%
Cash 167.50
401.30
369.90
1,347.40
1,535.60
growth rate 139.6% -7.8% 264.3% 14.0%
Inventory
growth rate
Cur.Liabilities 1,491.80
1,359.10
1,143.80
1,656.40
2,391.00
growth rate -8.9% -15.8% 44.8% 44.4%
Liabilities 4,871.60
5,286.10
5,193.00
6,098.50
6,283.00
growth rate 8.5% -1.8% 17.4% 3.0%
LT Debt 2,834.70
3,379.50
3,505.10
3,872.10
3,275.30
growth rate 19.2% 3.7% 10.5% -15.4%
Equity 2,515.80
2,578.60
2,386.50
2,694.10
2,929.00
growth rate 2.5% -7.5% 12.9% 8.7%
Common Shares 236.60
236.60
236.60
236.60
236.60
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Capital Expenditures 97.20
93.90
88.00
growth rate -3.4% -6.3%
Cash Dividends 47.20
47.30
47.30
growth rate 0.2% 0.0%
Cash From OA -164.90
230.70
30.80
growth rate 100.0% -86.7%
Sale Purchase of Stock
growth rate
FCF -262.10
136.80
-57.20
growth rate 100.0% -100.0%
Income Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Sales 875.70
905.80
957.90
982.80
1,068.30
growth rate 3.4% 5.8% 2.6% 8.7%
Op.Income 119.70
138.00
133.90
growth rate 15.3% -3.0%
IBT 96.50
23.90
150.50
122.70
300.40
growth rate -75.2% 529.7% -18.5% 144.8%
Net Income 81.10
9.20
112.60
95.90
224.20
growth rate -88.7% 1,123.9% -14.8% 133.8%
EPS
growth rate
Gross Profit 501.20
523.00
543.80
growth rate 4.4% 4.0%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

D (35.88)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 68.10 57.71 27.61
EPS / Growth 6.7% 2.45 3.6%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 3.8% 3.8%
Future PE 2.00 34.42 34.42
Future EPS 2.71 3.55 3.55
Value Price
MOS %
1.34
-99.1%
30.21
-78.7%
30.21
-78.7%
MOS Price 0.67 15.11 15.11
IRT 45.42 30.54 30.54

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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