B+
Bull case
25%
Probability
Target price
$185.00
Analysis reference price unavailable
Analysis 2026-10-02 · RankAlpha Sentiment Codex
EFX
EquifaxDNYSE / Commercial & Professional Services
Last Price
Quote time unavailable
Current thesis
Second-quarter revenue rose 11% to $1.700 billion, supported by 25% U.S. mortgage growth, while government wins and the larger AI-savings target offer identifiable longer-term opportunities.
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.3.
What can break
Mortgage-volume weakness could undermine July revenue and adjusted-EPS guidance. [#SEC-8K-2026-07-21]
Momentum
46
Value
53
Sentiment
42
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $150.00 · Bull $185.00 · Bear $105.00Analysis 2026-10-02; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-29 • Vendor: Data Vendor v1
Scores
As of 2026-10-29 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-02 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-29
Investment thesis
As of 2026-10-29
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-29. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $199.24
Why
Momentum46 · Δ7d +11.8
Value53 · Δ7d +0.3
Sentiment42 · Δ7d +1.8
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta +0.3.
Contradictions & invalidation
- • Mortgage-volume weakness could undermine July revenue and adjusted-EPS guidance. [#SEC-8K-2026-07-21]
- • The $150 million AI cost-reduction figure is a 2026–2028 target, not realized savings. [#SEC-8K-2026-07-21]
- • Mortgage-score competition and bureau-fee pressure could erode economics even if lender adoption rises.
Catalyst clock
2026-10-31
Third-quarter results versus July guidance
Lead driver: Value · See fundamentals
Momentum
46
8% active weight
Current posture
7d trendSoftening
Δ7d
+11.8
Δ21d
+30.5
Value
53
47% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
-3.7
Sentiment
42
45% active weight
Current posture
7d trendImproving
Δ7d
+1.8
Δ21d
-24.0
Why this grade
Composite grade D. Momentum 46.2 / Value 52.9 / Sentiment 41.7
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-02. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$150.00
Analysis reference price unavailable
Analysis 2026-10-02 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$105.00
Analysis reference price unavailable
Analysis 2026-10-02 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-29
Fundamentals (TTM)
As of 2026-10-29
Market Cap
$20.99B
Beta
1.55
Shares Out
117.02M
P/E (TTM)
41.8
P/S (TTM)
4.55
P/FCF (TTM)
34.69
Rev YoY
+10.6%
EPS YoY
+0.8%
Gross Margin
+44.1%
Op Margin
+18.5%
Net Debt
$4.91B
Current Ratio
0.60
As of 2026-10-29 • Updated nightlySource: Internal modelMethods & Data