Equifax (EFX) Valuation Check After Launching ‘Income Qualify’ for Mortgage Lenders

Simply Wall St.12-15 08:17

Equifax (EFX) just rolled out Income Qualify, a mortgage tool that gives lenders earlier access to verified income and employment data. The goal is to streamline prequalification while tightening risk...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

We need your insight to fill this gap

Leave a comment

{"i18n":{"language":"en_US"},"isChannel":false,"data":{"share":"https://ttm.financial/m/news/2591695817?lang=en_US&edition=fundamental","thumbnail":"https://images.simplywall.st/asset/industry/9612012-choice2-main-header/1585186803878","is_english":true,"pubTime":"2025-12-15 08:17","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2591695817","market":"sg","top_or_hot":-1,"title":"Equifax (EFX) Valuation Check After Launching ‘Income Qualify’ for Mortgage Lenders","media":"Simply Wall St.","content":"<div>\n<p>Equifax (EFX) just rolled out Income Qualify, a mortgage tool that gives lenders earlier access to verified income and employment data. The goal is to streamline prequalification while tightening risk...</p>\n\n<a href=\"https://simplywall.st/stocks/us/commercial-services/nyse-efx/equifax/news/equifax-efx-valuation-check-after-launching-income-qualify-f\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Equifax (EFX) Valuation Check After Launching ‘Income Qualify’ for Mortgage Lenders</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nEquifax (EFX) Valuation Check After Launching ‘Income Qualify’ for Mortgage Lenders\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-12-15 08:17 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/commercial-services/nyse-efx/equifax/news/equifax-efx-valuation-check-after-launching-income-qualify-f><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Equifax (EFX) just rolled out Income Qualify, a mortgage tool that gives lenders earlier access to verified income and employment data. The goal is to streamline prequalification while tightening risk...</p>\n\n<a href=\"https://simplywall.st/stocks/us/commercial-services/nyse-efx/equifax/news/equifax-efx-valuation-check-after-launching-income-qualify-f\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4588","symbol_name":"碎股","start_time":0,"source_url":"https://simplywall.st/stocks/us/commercial-services/nyse-efx/equifax/news/equifax-efx-valuation-check-after-launching-income-qualify-f","article_id":"2591695817","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/9612012-choice2-main-header/1585186803878"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/commercial-services/nyse-efx/equifax/news/equifax-efx-valuation-check-after-launching-income-qualify-f","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2591695817","pubTimestamp":1765757827,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Equifax (EFX) just rolled out Income Qualify, a mortgage tool that gives lenders earlier access to verified income and employment data. The goal is to streamline prequalification while tightening risk controls in a still cautious housing market.\nSee our latest analysis for Equifax.\nThe launch of Income Qualify fits into a broader push to monetize Equifax’s data assets, and the market seems cautiously constructive. A 7 day share price return of 4.41 percent and a 30 day share price return of...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4588":"碎股","BK4585":"ETF&股票定投概念","BK4123":"调查和咨询服务","EFX":"艾可菲"},"translate_title":"Equifax(EFX)为抵押贷款机构推出“收入资格”后进行估值检查","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"EFX":1.5},"content_text":"Equifax (EFX) just rolled out Income Qualify, a mortgage tool that gives lenders earlier access to verified income and employment data. The goal is to streamline prequalification while tightening risk controls in a still cautious housing market. See our latest analysis for Equifax. The launch of Income Qualify fits into a broader push to monetize Equifax’s data assets, and the market seems cautiously constructive. A 7 day share price return of 4.41 percent and a 30 day share price return of 6.60 percent have helped to stabilize sentiment after a weaker year to date share price return of negative 12.07 percent and a negative 1 year total shareholder return of 16.26 percent. Even though multi year total shareholder returns in the mid teens suggest the longer term story is still intact, momentum has cooled for now. If you are weighing Equifax’s move in context, it can be useful to see what other financial data and analytics names are doing. Now might be a good moment to explore high growth tech and AI stocks for more ideas. With shares still trading at a roughly 21 percent discount to Wall Street’s price target and solid double digit profit growth, is Equifax quietly undervalued here, or is the market already pricing in the next leg of growth? Most Popular Narrative Narrative: 17.4% Undervalued With Equifax last closing at $220.83 against a narrative fair value of $267.25, the story points to meaningful upside if assumptions hold.  Global cloud migration and investments in proprietary technology platforms are now largely complete. This is enabling margin expansion through operating leverage, efficiency gains, and scalable innovation, which is expected to increase EBITDA and net margins over time. International expansion, especially in underpenetrated markets like Latin America and through the integration of new platforms (Ignite, InterConnect, Data Fabric), is diversifying Equifax's revenue streams and providing additional runway for earnings growth and margin improvement.  Read the complete narrative. Curious how double digit growth, rising margins and a premium future earnings multiple all tie together into that upside case? The full narrative unpacks the exact revenue runway, earnings trajectory and valuation math behind this call, step by step. Result: Fair Value of $267.25 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, persistent litigation costs and intensifying competition from alternative credit models could pressure margins and slow the earnings ramp needed to unlock that upside. Find out about the key risks to this Equifax narrative. Another Lens on Valuation On earnings, Equifax looks anything but cheap. Its price to earnings ratio of 41 times sits well above both the Professional Services industry at 25 times and a fair ratio of 33.7 times. This suggests the market may already be baking in a lot of future success, leaving less room for error. See what the numbers say about this price — find out in our valuation breakdown. NYSE:EFX PE Ratio as at Dec 2025 Build Your Own Equifax Narrative If this view does not quite match your own, or you would rather dig into the numbers yourself, you can build a custom narrative in just a few minutes: Do it your way. A great starting point for your Equifax research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision. Looking for more investment ideas? Before you move on, use the Simply Wall Street Screener to spot fresh opportunities that fit your goals and keep your watchlist one step ahead of the market.  Capture potential multi baggers early by scanning these 3613 penny stocks with strong financials that already show strong financial foundations instead of speculative hype. Ride structural growth trends by focusing on these 30 healthcare AI stocks that blend medical innovation with intelligent data driven platforms. Strengthen your income stream by zeroing in on these 13 dividend stocks with yields > 3% that may support reliable cash returns through changing market cycles.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.The New Payments ETF Is Live on NASDAQ:Money is moving to real-time rails, and a newly listed ETF now gives investors direct exposure. Fast settlement. Institutional custody. Simple access.Explore how this launch could reshape portfoliosSponsored ContentValuation is complex, but we're here to simplify it.Discover if Equifax might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"deviceId":"web-server-community-laohu8-v3","version":"4.35.12","shortVersion":"4.35.12","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2591695817","isCrawlerRequest":true}