Equifax (EFX) Financial Forecast Calculator
Interactive 5-year forecast and DCF for Equifax. Adjust revenue growth, gross margin, capex intensity, WACC, and terminal growth - see revenue, free cash flow, and enterprise value update in real time. Seeded from Equifax’s most recent SEC filings.
Assumptions
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Keep iterating on the Equifax forecast in Excel. The downloadable sample has every assumption you see here plus a fully integrated income statement, balance sheet, cash flow, and debt schedule - five years of SEC historicals and live formulas in a fully editable workbook.
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Frequently asked
What does Equifax do and what are its main business segments?+
Equifax is a global data, analytics, and technology company that provides information solutions and human resources business process outsourcing services. It aggregates demographic, credit, and employment data to help financial institutions, employers, and government agencies make critical risk and verification decisions across its Workforce Solutions, U.S. Information Solutions, and International segments.
What are the key factors driving Equifax's revenue growth?+
Equifax's revenue is primarily influenced by U.S. mortgage origination volumes, non-mortgage hiring trends, and the operational leverage gained from its cloud technology transformation. The company's competitive position is also strengthened by proprietary data assets like "The Work Number" database within Workforce Solutions.
How does Equifax's capital expenditure profile relate to its cloud migration?+
Equifax's capital expenditure historically ranges from 7% to 10% of revenue, heavily skewed towards growth capex, particularly capitalized software for new product innovation. The "Equifax Cloud" transformation, which involves migrating legacy systems to public cloud infrastructure, is a primary driver of this capex, though it is expected to normalize downward as the migration concludes.
What are some key assumptions used in the Equifax financial model?+
The financial model for Equifax includes key assumptions such as a revenue growth rate of approximately 10.7% and a COGS percentage of revenue around 42.5%. Additionally, Selling, General & Administrative expenses are assumed to be about 33.6% of revenue, while the tax rate is set at approximately 20.2%.
How do acquisitions impact Equifax's balance sheet and valuation?+
Equifax is a serial acquirer, frequently executing bolt-on acquisitions to acquire unique data assets, often paying 15x to 20x EBITDA for high-growth targets. This strategy results in a balance sheet with extremely high goodwill and purchased intangible assets, typically representing 60% to 70% of total assets.
What is the purpose of the downloadable Equifax financial model?+
The downloadable Equifax financial model provides a comprehensive equity valuation and scenario planning tool for the company. It enables an analyst to forecast earnings and cash flows based on Equifax's sensitivity to U.S. mortgage origination volumes, non-mortgage hiring trends, and operational leverage.
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