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Equifax
EFX · NYSEIndustrials · Data & Analytics
The economic chain
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Raw inputs
Equipment
Foundry
Chip design
Software
AI demand
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Company details
Market cap
~$22B
Revenue (FY25)
$6.1B
Rev. growth
+7%
Free cash flow
~$1.1B
Div / quarter
$0.50
Active records (TWN)
~209M
Total records (TWN)
~813M
Employers feeding
~5M
In plain English
Equifax is one of the three big US credit bureaus — but its real engine today is The Work Number, a payroll database with ~209 million active employment records that nearly 5 million employers feed it, and which lenders and government agencies pay to query when you apply for a mortgage, car loan or benefit. After the catastrophic 2017 breach of 147M people's data, Equifax rebuilt itself cloud-native on Google Cloud and now sells credit, income/employment and fraud data across three segments: Workforce Solutions, US Information Solutions and International.
In simple terms
What Equifax really sells
Equifax is one of the three big US credit bureaus — but its real engine today is The Work Number, a payroll database with ~209 million active employment records that nearly 5 million employers feed it, and which lenders and government agencies pay to query when you apply for a mortgage, car loan or benefit. After the catastrophic 2017 breach of 147M people's data, Equifax rebuilt itself cloud-native on Google Cloud and now sells credit, income/employment and fraud data across three segments: Workforce Solutions, US Information Solutions and International.
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Risk read
SteadierMore speculative
Why this rating?