How Investors Are Reacting To Equifax (EFX) Profitability Strains And Shifting Credit‑Scoring Economics

Simply Wall St.01-14

In recent months, Equifax has faced pressure as analysts reduced their outlook and institutional investor Mar Vista Investment Partners exited its position amid concerns about weakening profitability ...

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At the same time, shifts in the credit-scoring ecosystem, including FICO’s strategic changes, have raised fresh questions about how future economics will be shared across mortgage and verification providers like Equifax. Next, we’ll examine how these profitability concerns and shifting credit-scoring economics may influence Equifax’s previously optimistic investment narrative. The end of cancer? These 29 emerging AI stocks are developing tech that will allow early identification of life changing diseases like cancer and Alzheimer's.AdvertisementEquifax Investment Narrative RecapTo own Equifax today, you need to believe its data, analytics and verification platforms can keep attracting lenders, governments and employers despite recent margin pressure and questions around credit scoring economics. The latest analyst target cuts and Mar Vista’s exit highlight how sensitive the near term story is to profitability trends, while the biggest immediate risk remains further erosion in returns if operating costs and credit ecosystem changes continue to weigh on margins. Among recent announcements, Equifax’s launch of Income Qualify for mortgage lenders looks particularly relevant, as it leans on The Work Number to deepen integration in mortgage workflows and potentially support verification revenue, even as industry participants reassess how economics are shared across mortgage credit tools. Yet behind the product momentum, investors should be aware that competitive pressures in credit scoring and verification could... Read the full narrative on Equifax (it's free!)Equifax's narrative projects $7.8 billion revenue and $1.3 billion earnings by 2028. This requires 9.9% yearly revenue growth and a roughly $660 million earnings increase from $639.7 million today.Uncover how Equifax's forecasts yield a $264.75 fair value, a 22% upside to its current price.Exploring Other PerspectivesEFX 1-Year Stock Price Chart Five members of the Simply Wall St Community value Equifax between US$256.57 and US$389.18, underscoring how far apart fair value views can be. You should weigh these against concerns about shrinking profitability and shifting credit scoring economics that could influence how Equifax converts its data assets into returns over time.Explore 5 other fair value estimates on Equifax - why the stock might be worth just $256.57!Build Your Own Equifax NarrativeDisagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.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.Our free Equifax research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Equifax's overall financial health at a glance.Searching For A Fresh Perspective?Our daily scans reveal stocks with breakout potential. Don't miss this chance:Find companies with promising cash flow potential yet trading below their fair value.AI is about to change healthcare. These 30 stocks are working on everything from early diagnostics to drug discovery. The best part - they are all under $10b in market cap - there's still time to get in early.These 16 companies survived and thrived after COVID and have the right ingredients to survive Trump's tariffs. Discover why before your portfolio feels the trade war pinch.  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.Valuation 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":"-1","news_tag":"dataReport","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,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.36.0","shortVersion":"4.36.0","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/2603697749","isCrawlerRequest":true}