On Oct. 1, Bloomberg reported, citing an unnamed source, that the Federal Housing Finance Agency is moving toward a bi-merge requirement, under which government-conforming mortgages would need only two credit files, from the current three. TransUnion, Equifax, and Fair Isaac shares fell after hours.
The Workforce Solutions segment is a fast-growing business built on unique data and can contribute meaningfully to earnings growth. Equifax can increase use cases in nonmortgage applications for income verification.
Mortgage volume drives Equifax's core credit bureau business and its Workforce Solutions segment, but it is difficult to predict, given its sensitivity to mortgage rates and homebuying activity. In addition, higher rates will weigh on the purchasing and refinancing mortgage market.
|
Metric
|
EFX
|
FICO
|
TRU
|
|---|---|---|---|
Price/Earnings (Normalized) | 16.96 | 16.65 | 13.58 |
Price/Book Value | 3.75 | — | 2.46 |
Price/Sales | 2.63 | 6.54 | 2.48 |
Price/Cash Flow | 10.54 | 15.32 | 9.39 |
|
Metric
|
EFX
|
FICO
|
TRU
|
|---|---|---|---|
Quick Ratio | 0.49 | 1.13 | 1.65 |
Current Ratio | 0.60 | 1.18 | 1.90 |
Interest Coverage | 5.24 | 6.72 | 4.54 |
|
Metric
|
EFX
|
FICO
|
TRU
|
|---|---|---|---|
Return on Assets (Normalized) | 6.42% | 48.40% | 7.75% |
Return on Equity (Normalized) | 16.20% | — | 19.38% |
Return on Invested Capital (Normalized) | 9.32% | 74.96% | 10.62% |
|
1-Day Chart
|
Name
|
Price
|
Morningstar Rating for Stocks
|
Capital Allocation
|
Economic Moat
|
Market Cap
|
|---|---|---|---|---|---|---|
| Experian PLC
EXPGF
| — | LOCK|k@R@F | $28B | |||
| Experian PLC ADR
EXPGY
| LOCK|@m#bYT | LOCK|Cg^H | $28B | |||
| SGS AG
SGSOF
| — | LOCK|wyM | $22B | |||
| SGS AG ADR
SGSOY
| — | LOCK|g? | $22B | |||
| Verisk Analytics Inc
VRSK
| LOCK|K#%#RM# | LOCK|JM# | $22B | |||
| Bureau Veritas SA
BVRDF
| — | LOCK|?^ | $13B | |||
| Bureau Veritas SA ADR
BVVBY
| — | LOCK|mn | $13B | |||
| Booz Allen Hamilton Holding Corp Class A
BAH
| — | LOCK|&z&j | $8B | |||
| ALS Ltd
CPBLF
| — | LOCK|NRL<q | $7B |
United States