Equifax Inc.
EFX 6.5Price and target zones价格与目标区间
What the company does公司做什么
Equifax is one of the three big credit bureaus in the United States. It collects records of how people and companies borrow money and repay it. It sells this history to lenders, who use it to decide whether to approve a loan and what interest rate to charge. Equifax also holds payroll records that show a person's job and pay. It sells proof of that income to lenders and background-check firms.Equifax是美国三大征信机构之一。它收集个人和公司借钱、还钱的记录。它把这些历史卖给放贷方，放贷方用它来决定是否批准一笔贷款、以及收多少利息。Equifax还掌握着工资单记录，能显示一个人的工作和收入。它把收入证明卖给放贷方和背景调查公司。
Earns from营收来源 Equifax charges lenders, employers, and other businesses a fee each time they look up a person's credit history, income, or job record.每当放贷方、雇主或其他企业查询一个人的信用历史、收入或工作记录时，Equifax都向他们收一笔费用。
Read the full description查看完整介绍
Equifax Inc. operates as a data, analytics, and technology company. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment offers services that enables customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure, and sanctions of people in the United States; and employer customers with services that that assist them in complying with and automating certain payroll-related and human resource management processes throughout the entire cycle of the employment relationship. The U.S. Information Solutions segment provides 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 services; mortgage services; financial marketing services; identity management services; and credit monitoring products. The International segment offers information service products, which include consumer and commercial services comprising credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as information, technology, and services to support debt collections and recovery management. The company also provides information solutions for businesses, governments and consumers; and human resources business process automation and outsourcing services for employers. It operates in Argentina, Australia, Brazil, Canada, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, India, Ireland, Mexico, New Zealand, Paraguay, Peru, Portugal, Spain, the United Kingdom, Uruguay, and the United States. The company was founded in 1899 and is headquartered in Atlanta, Georgia.
What the company sells公司卖什么share of revenue营收占比
Workforce Solutions劳动力解决方案
43%This unit holds a huge database of pay and job records. Employers send it payroll data every pay period, often straight from their payroll software.这个部门保有一个庞大的薪酬和工作记录数据库。雇主在每个发薪周期把薪资数据发给它，往往直接来自他们的薪资软件。
- The Work Number
- a database that proves a person's job and pay in seconds, instead of a lender calling the employer by phone.一个几秒钟就能证明一个人工作和收入的数据库，省去了放贷方给雇主打电话核实的步骤。
- Employer Services雇主服务
- tools that help employers handle unemployment claims, check that new hires can legally work, and follow health-insurance rules.帮助雇主处理失业理赔、核查新员工是否有合法工作资格、并遵守医保规定的工具。
U.S. Information Solutions (USIS)美国信息解决方案（USIS）
34%This is the classic Equifax business. It sells credit reports and credit scores on US consumers to banks, credit-card firms, and mortgage lenders.这是 Equifax 的经典业务。它把美国消费者的信用报告和信用评分卖给银行、信用卡公司和房贷放贷方。
- Online Information Solutions在线信息解决方案
- the credit report and score a bank checks before it approves a loan or credit card.银行在批准贷款或信用卡之前查看的信用报告和评分。
- Mortgage Solutions房贷解决方案
- deeper credit checks built just for home-loan lenders, who need extra detail before they approve a mortgage.专为住房贷款放贷方打造的更深入的信用核查，他们在批准房贷前需要更多细节。
International国际
23%This unit runs credit-bureau businesses outside the US, in Latin America, Europe, Canada, and Asia Pacific.这个部门经营美国以外的征信业务，包括拉丁美洲、欧洲、加拿大和亚太地区。
- Latin America credit bureaus拉丁美洲征信机构
- credit reports and scores sold to banks in countries such as Brazil, Argentina, and Mexico.卖给巴西、阿根廷和墨西哥等国家银行的信用报告和评分。
- Canada, UK, and Asia Pacific bureaus加拿大、英国和亚太征信机构
- the same credit-report and score business, adjusted to fit each country's own lending rules.同样的信用报告和评分业务，根据各国自己的放贷规则做出调整。
Company facts公司资料
- Founded成立时间
- 1899
- Headquarters总部
- Atlanta, Georgia
- Employees员工人数
- 15,000
- Industry行业
- Consulting Services
- Country国家
- United States
Investment thesis投资逻辑 from the watchlist来自关注列表
📋 Credit-bureau oligopoly + The Work Number. FCF inflecting $133M→$1.13B+ as cloud capex rolls off → P/FCF ~13.6x. Mortgage-cycle sensitive. FV $155-185. Stage $150-160. Trim $210+. FDS is the higher-conviction data pick. A2026-07-14
📋 征信机构寡头 + The Work Number。随着云资本开支减少，自由现金流拐点向上 $133M→$1.13B+ → P/FCF ~13.6x。对房贷周期敏感。FV $155-185。分批建仓 $150-160。$210 以上减仓。FDS 是信心更高的数据类首选。
Historical results历史业绩 past fiscal years — these values do not change过去财年——这些数值不会变动
Profit margins利润率 the share of revenue that stays as profit营收中留存为利润的比例
of every $1 of revenue每 $1 营收中的占比
- Return on equity净资产收益率
- 14%
- Revenue growth营收增长
- +11%
- Dividend yield股息率
- 1.30%
Competitors竞争对手
Why customers stay客户为什么留下
millions of employers feed payroll data straight into The Work Number every pay period, so Equifax owns a job-and-income database a rival cannot copy without the same employer ties, and lenders already build that check into every loan decision.数百万雇主在每个发薪周期都把工资数据直接送进The Work Number，所以Equifax拥有一个对手没有同样雇主关系就无法复制的工作和收入数据库，而放贷方已经把这项查询嵌进了每一次贷款决定中。
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Recent news近期新闻 last 7 days近7天
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