Equifax (EFX) stock: Winston Score and insider trades

§Winston Score History

Equifax is one of the three major credit bureaus in the United States. It collects financial data on hundreds of millions of people and businesses — things like loan history, payment records, and debt levels — then packages that information into credit reports and scores. Banks, lenders, landlords, and employers use these reports to decide whether to approve loans, set interest rates, or hire someone.

Equifax makes money by selling access to credit data, analytics tools, and identity verification services, mostly through subscriptions and per-inquiry fees. It operates in over 24 countries, with the U.S. generating the bulk of revenue, and competes mainly with Experian and TransUnion. Its core advantage is the sheer size of its proprietary data set, which is difficult for new competitors to replicate. The main risk is data security — Equifax suffered a major breach in 2017 that exposed data on roughly 147 million people, and any future breach could bring serious legal and financial consequences.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+9.6% YoY

YoY Growth Rate

Slow revenue growth

Reported EPS Growth

+38.5% YoY

Quarterly reporting periods ended:

30 Sept 2025: $1.30

30 Sept 2026: $1.80

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (4%)

Research and development spending

Insider Activity

0.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$193M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Equifax is growing revenue at 10% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

+0.4% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 123.6M (2021) → 124.1M (2025)

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

55.5%

Premium pricing power — 55.5% gross margin

Profit after running costs

Operating Margin

21.0%

Excellent — 21.0% operating margin

Return on the money invested

ROCE

12.8%

Good — 12.8% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+10.9%

Steady sales growth (+10.9% YoY)

Profit growth

EPS YoY

+17.3%

Earnings growing fast (+17.3% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash

Cash Conversion

217%

Turns 217% of profit into real cash

Spare cash per sale

FCF Margin

16.7%

Converts sales into free cash efficiently (16.7%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

1.16

Elevated debt (1.16)

Covers its interest

Interest Cover

5.35x

Adequate interest coverage (5.4x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

29.3x

Growth-priced — P/E 29.3

P/E above the market average. People are paying up for expected growth.

Cheaper or dearer next year

P/E vs Forward

+17.6

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (29.3 → 11.6)

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Dividends

Dividend

Dividend Yield

1.60%

Small dividend — 1.60% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+22.5%

Dividend growing fast (22.5% YoY)

Payout Ratio

35%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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Equifax

§How the score breaks down

§Winston Score History

Politician Trades

Growth Profile

Share count broadly stable

Every number that matters to educated investors.

Quality

Growth

Cash Flow

Stability

Valuation

Dividends