Intrinsic value of Equifax - EFX

Previous Close

$97.24

  Intrinsic Value

$89.08

stock screener

  Rating & Target

hold

-8%

Previous close

$97.24

 
Intrinsic value

$89.08

 
Up/down potential

-8%

 
Rating

hold

We calculate the intrinsic value of EFX stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Revenue (in 0001), $M
Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Variable cost ratio, %
Fixed operating expenses, $M
Interest rate on debt, %
Effective corporate tax rate, %
Production assets / Revenue, %
Life of production assets, yrs
Working capital / Revenue, %
Revenue / Adjusted assets
Adjusted equity ratio
Cash flow adjustment, % of Revenue
Book value of equity, $M
Shares outstanding, mln
Market capitalization, $bln 11.7

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
   2
   3
   4
   5
   6
   7
   8
   9
   10
   11
   12
   13
   14
   15
   16
   17
   18
   19
   20
   21
   22
   23
   24
   25
   26
   27
   28
   29
   30
   31

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  2.40
  2.66
  2.89
  3.10
  3.29
  3.46
  3.62
  3.76
  3.88
  3.99
  4.09
  4.18
  4.27
  4.34
  4.41
  4.46
  4.52
  4.57
  4.61
  4.65
  4.68
  4.72
  4.74
  4.77
  4.79
  4.81
  4.83
  4.85
  4.86
  4.88
Revenue, $m
  3,443
  3,534
  3,637
  3,750
  3,873
  4,007
  4,152
  4,308
  4,476
  4,654
  4,845
  5,047
  5,263
  5,491
  5,733
  5,989
  6,260
  6,545
  6,847
  7,165
  7,501
  7,855
  8,227
  8,620
  9,033
  9,468
  9,925
  10,407
  10,913
  11,445
Variable operating expenses, $m
  2,534
  2,587
  2,646
  2,711
  2,782
  2,859
  2,943
  3,033
  3,129
  3,232
  2,789
  2,906
  3,029
  3,161
  3,300
  3,448
  3,603
  3,768
  3,942
  4,125
  4,318
  4,522
  4,736
  4,962
  5,200
  5,450
  5,713
  5,990
  6,282
  6,588
Fixed operating expenses, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total operating expenses, $m
  2,534
  2,587
  2,646
  2,711
  2,782
  2,859
  2,943
  3,033
  3,129
  3,232
  2,789
  2,906
  3,029
  3,161
  3,300
  3,448
  3,603
  3,768
  3,942
  4,125
  4,318
  4,522
  4,736
  4,962
  5,200
  5,450
  5,713
  5,990
  6,282
  6,588
Operating income, $m
  908
  947
  991
  1,039
  1,091
  1,148
  1,209
  1,276
  1,347
  1,422
  2,056
  2,142
  2,233
  2,330
  2,433
  2,541
  2,656
  2,778
  2,906
  3,041
  3,183
  3,333
  3,491
  3,658
  3,833
  4,018
  4,212
  4,416
  4,631
  4,857
EBITDA, $m
  1,623
  1,666
  1,715
  1,768
  1,826
  1,889
  1,958
  2,031
  2,110
  2,194
  2,284
  2,380
  2,481
  2,589
  2,703
  2,824
  2,951
  3,086
  3,228
  3,378
  3,537
  3,703
  3,879
  4,064
  4,259
  4,464
  4,680
  4,906
  5,145
  5,396
Interest expense (income), $m
  85
  146
  151
  157
  164
  171
  179
  188
  197
  208
  218
  230
  242
  256
  270
  285
  300
  317
  335
  353
  373
  394
  416
  439
  463
  488
  515
  544
  573
  605
  638
Earnings before tax, $m
  762
  796
  834
  875
  920
  969
  1,022
  1,078
  1,139
  1,204
  1,826
  1,899
  1,978
  2,060
  2,148
  2,241
  2,339
  2,443
  2,552
  2,668
  2,789
  2,918
  3,053
  3,195
  3,345
  3,502
  3,668
  3,843
  4,026
  4,219
Tax expense, $m
  206
  215
  225
  236
  248
  262
  276
  291
  308
  325
  493
  513
  534
  556
  580
  605
  632
  660
  689
  720
  753
  788
  824
  863
  903
  946
  990
  1,038
  1,087
  1,139
Net income, $m
  557
  581
  609
  639
  672
  707
  746
  787
  832
  879
  1,333
  1,387
  1,444
  1,504
  1,568
  1,636
  1,708
  1,783
  1,863
  1,947
  2,036
  2,130
  2,229
  2,332
  2,442
  2,557
  2,678
  2,805
  2,939
  3,080

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  7,404
  7,601
  7,821
  8,064
  8,329
  8,618
  8,930
  9,265
  9,625
  10,009
  10,419
  10,855
  11,318
  11,809
  12,329
  12,880
  13,462
  14,076
  14,725
  15,410
  16,131
  16,892
  17,693
  18,537
  19,426
  20,361
  21,345
  22,380
  23,468
  24,613
Adjusted assets (=assets-cash), $m
  7,404
  7,601
  7,821
  8,064
  8,329
  8,618
  8,930
  9,265
  9,625
  10,009
  10,419
  10,855
  11,318
  11,809
  12,329
  12,880
  13,462
  14,076
  14,725
  15,410
  16,131
  16,892
  17,693
  18,537
  19,426
  20,361
  21,345
  22,380
  23,468
  24,613
Revenue / Adjusted assets
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
  0.465
Average production assets, $m
  3,326
  3,414
  3,513
  3,622
  3,741
  3,871
  4,011
  4,162
  4,323
  4,496
  4,680
  4,876
  5,084
  5,304
  5,538
  5,785
  6,047
  6,323
  6,614
  6,922
  7,246
  7,588
  7,948
  8,327
  8,726
  9,146
  9,588
  10,053
  10,542
  11,056
Working capital, $m
  -48
  -49
  -51
  -52
  -54
  -56
  -58
  -60
  -63
  -65
  -68
  -71
  -74
  -77
  -80
  -84
  -88
  -92
  -96
  -100
  -105
  -110
  -115
  -121
  -126
  -133
  -139
  -146
  -153
  -160
Total debt, $m
  2,799
  2,909
  3,033
  3,169
  3,318
  3,480
  3,655
  3,843
  4,045
  4,260
  4,490
  4,735
  4,995
  5,270
  5,562
  5,871
  6,197
  6,542
  6,906
  7,290
  7,695
  8,122
  8,571
  9,045
  9,543
  10,068
  10,620
  11,200
  11,811
  12,453
Total liabilities, $m
  4,154
  4,264
  4,388
  4,524
  4,673
  4,835
  5,010
  5,198
  5,400
  5,615
  5,845
  6,090
  6,349
  6,625
  6,917
  7,225
  7,552
  7,897
  8,261
  8,645
  9,050
  9,476
  9,926
  10,399
  10,898
  11,422
  11,974
  12,555
  13,166
  13,808
Total equity, $m
  3,250
  3,337
  3,433
  3,540
  3,657
  3,783
  3,920
  4,067
  4,225
  4,394
  4,574
  4,765
  4,969
  5,184
  5,412
  5,654
  5,910
  6,179
  6,464
  6,765
  7,082
  7,416
  7,767
  8,138
  8,528
  8,938
  9,370
  9,825
  10,303
  10,805
Total liabilities and equity, $m
  7,404
  7,601
  7,821
  8,064
  8,330
  8,618
  8,930
  9,265
  9,625
  10,009
  10,419
  10,855
  11,318
  11,809
  12,329
  12,879
  13,462
  14,076
  14,725
  15,410
  16,132
  16,892
  17,693
  18,537
  19,426
  20,360
  21,344
  22,380
  23,469
  24,613
Debt-to-equity ratio
  0.860
  0.870
  0.880
  0.900
  0.910
  0.920
  0.930
  0.940
  0.960
  0.970
  0.980
  0.990
  1.010
  1.020
  1.030
  1.040
  1.050
  1.060
  1.070
  1.080
  1.090
  1.100
  1.100
  1.110
  1.120
  1.130
  1.130
  1.140
  1.150
  1.150
Adjusted equity ratio
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439
  0.439

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  557
  581
  609
  639
  672
  707
  746
  787
  832
  879
  1,333
  1,387
  1,444
  1,504
  1,568
  1,636
  1,708
  1,783
  1,863
  1,947
  2,036
  2,130
  2,229
  2,332
  2,442
  2,557
  2,678
  2,805
  2,939
  3,080
Depreciation, amort., depletion, $m
  715
  719
  724
  729
  735
  741
  748
  756
  763
  772
  228
  238
  248
  259
  270
  282
  295
  308
  323
  338
  353
  370
  388
  406
  426
  446
  468
  490
  514
  539
Funds from operations, $m
  1,271
  1,300
  1,332
  1,368
  1,407
  1,449
  1,494
  1,543
  1,595
  1,651
  1,561
  1,624
  1,692
  1,763
  1,838
  1,918
  2,003
  2,092
  2,186
  2,285
  2,390
  2,500
  2,616
  2,739
  2,867
  3,003
  3,145
  3,295
  3,453
  3,619
Change in working capital, $m
  -1
  -1
  -1
  -2
  -2
  -2
  -2
  -2
  -2
  -3
  -3
  -3
  -3
  -3
  -3
  -4
  -4
  -4
  -4
  -4
  -5
  -5
  -5
  -5
  -6
  -6
  -6
  -7
  -7
  -7
Cash from operations, $m
  1,273
  1,302
  1,334
  1,369
  1,408
  1,451
  1,496
  1,545
  1,597
  1,653
  1,564
  1,627
  1,695
  1,766
  1,842
  1,922
  2,006
  2,096
  2,190
  2,290
  2,394
  2,505
  2,621
  2,744
  2,873
  3,009
  3,152
  3,302
  3,460
  3,627
Maintenance CAPEX, $m
  -158
  -162
  -167
  -171
  -177
  -183
  -189
  -196
  -203
  -211
  -219
  -228
  -238
  -248
  -259
  -270
  -282
  -295
  -308
  -323
  -338
  -353
  -370
  -388
  -406
  -426
  -446
  -468
  -490
  -514
New CAPEX, $m
  -79
  -88
  -99
  -109
  -119
  -130
  -140
  -151
  -162
  -173
  -184
  -196
  -208
  -221
  -234
  -247
  -261
  -276
  -291
  -307
  -324
  -342
  -360
  -379
  -399
  -420
  -442
  -465
  -489
  -514
Cash from investing activities, $m
  -237
  -250
  -266
  -280
  -296
  -313
  -329
  -347
  -365
  -384
  -403
  -424
  -446
  -469
  -493
  -517
  -543
  -571
  -599
  -630
  -662
  -695
  -730
  -767
  -805
  -846
  -888
  -933
  -979
  -1,028
Free cash flow, $m
  1,035
  1,051
  1,069
  1,089
  1,112
  1,138
  1,167
  1,199
  1,233
  1,270
  1,160
  1,203
  1,249
  1,298
  1,349
  1,404
  1,463
  1,525
  1,590
  1,659
  1,733
  1,810
  1,891
  1,977
  2,068
  2,163
  2,264
  2,370
  2,481
  2,598
Issuance/(repayment) of debt, $m
  95
  110
  123
  136
  149
  162
  175
  188
  202
  216
  230
  245
  260
  276
  292
  309
  326
  345
  364
  384
  405
  427
  450
  473
  498
  525
  552
  581
  611
  642
Issuance/(repurchase) of shares, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash from financing (excl. dividends), $m  
  95
  110
  123
  136
  149
  162
  175
  188
  202
  216
  230
  245
  260
  276
  292
  309
  326
  345
  364
  384
  405
  427
  450
  473
  498
  525
  552
  581
  611
  642
Total cash flow (excl. dividends), $m
  1,130
  1,161
  1,192
  1,225
  1,261
  1,300
  1,342
  1,387
  1,435
  1,485
  1,390
  1,448
  1,509
  1,573
  1,641
  1,713
  1,789
  1,870
  1,954
  2,043
  2,138
  2,237
  2,341
  2,451
  2,566
  2,688
  2,816
  2,950
  3,092
  3,240
Retained Cash Flow (-), $m
  -76
  -86
  -97
  -107
  -117
  -127
  -137
  -147
  -158
  -169
  -180
  -191
  -203
  -216
  -228
  -242
  -255
  -270
  -285
  -301
  -317
  -334
  -352
  -370
  -390
  -410
  -432
  -454
  -478
  -503
Prev. year cash balance distribution, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash available for distribution, $m
  1,054
  1,075
  1,095
  1,119
  1,145
  1,174
  1,205
  1,240
  1,277
  1,317
  1,210
  1,256
  1,305
  1,357
  1,413
  1,472
  1,534
  1,600
  1,669
  1,743
  1,821
  1,903
  1,989
  2,080
  2,176
  2,277
  2,384
  2,496
  2,614
  2,738
Discount rate, %
  5.90
  6.20
  6.50
  6.83
  7.17
  7.53
  7.91
  8.30
  8.72
  9.15
  9.61
  10.09
  10.60
  11.13
  11.68
  12.27
  12.88
  13.52
  14.20
  14.91
  15.65
  16.44
  17.26
  18.12
  19.03
  19.98
  20.98
  22.03
  23.13
  24.29
PV of cash for distribution, $m
  995
  953
  907
  859
  810
  759
  707
  655
  602
  548
  441
  396
  352
  310
  269
  231
  196
  163
  134
  108
  86
  67
  51
  38
  28
  20
  14
  9
  6
  4
Current shareholders' claim on cash, %
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0

Equifax Inc. is a global provider of information solutions and human resources business process outsourcing services for businesses, governments and consumers. The Company operates in four segments: U.S. Information Solutions (USIS), International, Workforce Solutions and Global Consumer Solutions. Its products and services are based on databases of consumer and business information derived from various sources, including credit, financial assets, telecommunications and utility payments, employment, income, demographic and marketing data. It uses statistical techniques and software tools to analyze all available data, creating customized insights, decision-making solutions and processing services for its clients. It helps consumers understand, manage and protect their personal information and make more informed financial decisions. The Company also provides information, technology and services to support debt collections and recovery management.

FINANCIAL RATIOS  of  Equifax (EFX)

Valuation Ratios
P/E Ratio 23.8
Price to Sales 3.7
Price to Book 4.4
Price to Tangible Book
Price to Cash Flow 14.6
Price to Free Cash Flow 18.7
Growth Rates
Sales Growth Rate 18.1%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate 19.2%
Cap. Spend. - 3 Yr. Gr. Rate 16%
Financial Strength
Quick Ratio 0
Current Ratio 0
LT Debt to Equity 78.4%
Total Debt to Equity 100.3%
Interest Coverage 10
Management Effectiveness
Return On Assets 9.8%
Ret/ On Assets - 3 Yr. Avg. 9.7%
Return On Total Capital 11.1%
Ret/ On T. Cap. - 3 Yr. Avg. 10.9%
Return On Equity 19.7%
Return On Equity - 3 Yr. Avg. 18.3%
Asset Turnover 0.6
Profitability Ratios
Gross Margin 64.6%
Gross Margin - 3 Yr. Avg. 65.5%
EBITDA Margin 34.4%
EBITDA Margin - 3 Yr. Avg. 34.3%
Operating Margin 26%
Oper. Margin - 3 Yr. Avg. 26.1%
Pre-Tax Margin 23.1%
Pre-Tax Margin - 3 Yr. Avg. 23.5%
Net Profit Margin 15.5%
Net Profit Margin - 3 Yr. Avg. 15.6%
Effective Tax Rate 32%
Eff/ Tax Rate - 3 Yr. Avg. 32.9%
Payout Ratio 32.3%

EFX stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the EFX stock intrinsic value calculation we used $3362.2 million for the last fiscal year's total revenue generated by Equifax. The default revenue input number comes from 0001 income statement of Equifax. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our EFX stock valuation model: a) initial revenue growth rate of 2.4% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 5.9%, whose default value for EFX is calculated based on our internal credit rating of Equifax, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of Equifax.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of EFX stock the variable cost ratio is equal to 74%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $0 million in the base year in the intrinsic value calculation for EFX stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 5.4% for Equifax.

Corporate tax rate of 27% is the nominal tax rate for Equifax. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the EFX stock is equal to 0%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for EFX are equal to 96.6%.

Life of production assets of 20.5 years is the average useful life of capital assets used in Equifax operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for EFX is equal to -1.4%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $3174.4 million for Equifax - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 120.412 million for Equifax is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of Equifax at the current share price and the inputted number of shares is $11.7 billion.

RELATED COMPANIES Price Int.Val. Rating
SPGI S&P Global 166.29 234.42  hold
MCO Moody's 141.39 42.76  str.sell
DNB Dun&Bradstreet 143.26 54.29  str.sell
CLGX CoreLogic 35.61 52.34  hold
TRU TransUnion 56.64 91.15  buy
ADP Automatic Data 132.47 150.66  hold
PAYX Paychex 64.95 66.15  hold

COMPANY NEWS

▶ [$$] Want a Better Credit Score? Soon, Your Cellphone Bill Could Help   [Dec-18-18 08:21PM  The Wall Street Journal]
▶ [$$] Your Cellphone Bill Could Soon Help Build Credit   [06:27AM  The Wall Street Journal]
▶ How to Dispute Something on Your Experian Credit Report   [Dec-16-18 06:30AM  Motley Fool]
▶ Equifax to Meet With Investors in Toronto and Dallas   [Nov-28-18 08:30AM  PR Newswire]
▶ Why Equifax Inc. Stock Fell 22.3% in October   [Nov-12-18 06:53PM  Motley Fool]
▶ Report: Public opinion in Equifax is nearly back to normal   [03:05PM  American City Business Journals]
▶ Equifax Board of Directors Declares Quarterly Dividend   [Nov-09-18 09:00AM  PR Newswire]
▶ Millennials Optimistic about their Financial Future   [Nov-07-18 06:00AM  GlobeNewswire]
▶ 2 Big-Name Stocks You Should Consider Shorting This Week   [Nov-04-18 01:00PM  TheStreet.com]
▶ Equifax: 3Q Earnings Snapshot   [04:37PM  Associated Press]
▶ Equifax Q3 Earnings Preview   [08:27AM  Benzinga]
▶ Total Canadian Consumer Debt Climbs to $1.864 Trillion   [Oct-17-18 09:41AM  GlobeNewswire]
▶ Freeze Your Credit in 3 Steps   [Oct-16-18 06:12PM  Kiplinger]
▶ This Is How Your Business Credit Score Is Calculated   [Oct-08-18 05:02PM  Motley Fool]
▶ Experian security flaw just exposed credit freeze PINs   [Oct-05-18 10:08AM  Yahoo Finance]
▶ Equifax Featured in 2018 IDC FinTech Ranking   [Oct-03-18 08:15AM  PR Newswire]
▶ Moonves Is Gone. Where Was the CBS Board?   [Sep-14-18 09:35PM  Barrons.com]
▶ Equifax bombshell: Was it hacked by China in 2015?   [Sep-13-18 05:52AM  American City Business Journals]
▶ How TPGs latest investment may help stop the next Equifax breach   [Sep-10-18 01:39PM  American City Business Journals]
▶ The Equifax data breach, in one chart   [06:58AM  MarketWatch]
▶ A year after Equifax breach, no enforcement actions   [Sep-08-18 06:37PM  Associated Press]

CONTACT US       ASSET ALLOCATION

About X-FIN       Site news       Privacy policy       Terms of use       FAQ

Copyright © X-FIN.com 2005-2018. All rigths reserved.