EFX Equifax, Inc.
Equifax, Inc. engages in the provision of information solutions and human resources business process outsourcing services. It operates through the following business segments: U.S. Information Solutions, Workforce Solutions, International, and Global Consumer Solutions. The U.S. Information Solutions segment includes consumer and commercial information services, mortgage loan origination information, financial marketing services, and identity management. The Workforce Solutions segment covers employment, income, and social security number verification services as well as complementary payroll-based transaction and employment tax management services. The International segment offers information, technology, and services to support debt collections and recovery management in Canada, Europe, Latin America, and Asia Pacific. The Global Consumer Solutions segment provides consumer and credit information to resellers. The company was founded by Cator Woolford and Guy Woolford in 1899 and is headquartered in Atlanta, GA.
Company profile
Ticker
EFX
Exchange
Website
CEO
Mark W. Begor
Employees
Incorporated in
Location
Fiscal year end
Industry (SEC)
SEC CIK
Corporate docs
IRS number
580401110
Calendar
20 Feb 20
4 Apr 20
31 Dec 20
News
Company financial data Financial data
| Quarter (USD) | Dec 19 | Sep 19 | Jun 19 | Mar 19 | |
|---|---|---|---|---|---|
| Revenue | 905.8M | 875.7M | 880M | 846.1M | |
| Net income | 9.2M | 81.1M | 66.8M | -555.9M | |
| Diluted EPS | 0.07 | 0.66 | 0.55 | -4.57 | |
| Net profit margin | 1.02% | 9.26% | 7.59% | -65.70% | |
| Operating income | 47M | 121.6M | 113.8M | -617.9M | |
| Net change in cash | 233.8M | 31.7M | 2.6M | -90.4M | |
| Cash on hand | 401.3M | 167.5M | 135.8M | 133.2M | |
| Cost of revenue |
| Annual (USD) | Dec 19 | Dec 18 | Dec 17 | Dec 16 | |
|---|---|---|---|---|---|
| Revenue | 3.51B | 3.41B | 3.36B | 3.14B | |
| Net income | -398.8M | 299.8M | 587.3M | 488.8M | |
| Diluted EPS | -3.27 | 2.47 | 4.83 | 4.04 | |
| Net profit margin | -11.37% | 8.79% | 17.47% | 15.54% | |
| Operating income | -335.4M | 448M | 831.7M | 825.1M | |
| Net change in cash | 177.7M | -112.8M | 207.1M | 36M | |
| Cash on hand | 401.3M | 223.6M | 336.4M | 129.3M | |
| Cost of revenue | 1.21B | 1.11B |
Financial data from Equifax earnings reports
Recent insider trades
| Date | Owner | Security | Transaction | Code | $Price | #Shares | $Value | #Remaining |
|---|---|---|---|---|---|---|---|---|
| 31 Mar 20 | Stock Elane B | Phantom Stock Units Common Stock | Grant | Aquire A | 119.45 | 235 | 28.07K | 1,972 |
| 31 Mar 20 | Marshall Siri S | Phantom Stock Units Common Stock | Grant | Aquire A | 119.45 | 246 | 29.38K | 4,872 |
| 5 Mar 20 | Farshchi Jamil | Common Stock | Payment of exercise | Dispose F | 158.25 | 3,665 | 579.99K | 16,203 |
| 21 Feb 20 | James M Griggs | Common Stock | Grant | Aquire A | 0 | 767 | 0 | 4,703 |
| 21 Feb 20 | James M Griggs | Stock Option/Right to Buy Common Stock | Grant | Aquire A | 159.53 | 3,075 | 490.55K | 3,075 |
| 21 Feb 20 | Carla Chaney | Common Stock | Grant | Aquire A | 0 | 1,175 | 0 | 9,071 |
| 21 Feb 20 | Carla Chaney | Stock Option/Right to Buy Common Stock | Grant | Aquire A | 175.48 | 4,104 | 720.17K | 4,104 |
| 21 Feb 20 | Carla Chaney | Stock Option/Right to Buy Common Stock | Grant | Aquire A | 191.44 | 5,178 | 991.28K | 5,178 |
Institutional ownership Q4 2019
93.5% owned by funds/institutions
13F holders |
Current |
|---|---|
| Total holders | 513 |
| Opened positions | 61 |
| Closed positions | 49 |
| Increased positions | 176 |
| Reduced positions | 152 |
13F shares |
Current |
|---|---|
| Total value | 89.54B |
| Total shares | 112.98M |
| Total puts | 331.2K |
| Total calls | 520.6K |
| Total put/call ratio | 0.6 |
Largest owners |
Shares | Value |
|---|---|---|
| Vanguard | 13.16M | $1.84B |
| Massachusetts Financial Services | 10.56M | $1.48B |
| N Price T Rowe Associates | 10.11M | $1.42B |
| Capital International Investors | 9.44M | $1.32B |
| BLK BlackRock | 7.87M | $1.1B |
| Wellington Management | 5.46M | $764.45M |
| STT State Street | 4.76M | $666.48M |
| Lone Pine Capital | 3.45M | $483.18M |
| Independent Franchise Partners | 3.1M | $434.39M |
| Capital Research Global Investors | 2.56M | $358.75M |
Financial report summary
?Competition
CoreLogic • Harte-Hanks • Fair Isaac • NortonLifeLock • Infogroup • Fidelity National Information Solutions • Experian • Digital Insight • Steel Vault • Cortera
Content analysis
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| Legalese | ||
| Litigous | ||
| Readability |
H.S. freshman Avg
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New words:
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Removed:
ACA, AFSL, anticipation, ARCA, ASIC, ASP, assorted, Asuncion, automatically, Barnett, Cameron, carry, clarifying, coach, Computersoft, concentrated, Consultant, Coretha, counterparty, creation, Dann, dental, depict, disability, disposed, diversity, Edge, escalation, exit, expiry, Fidelity, foreseeable, grew, ground, hedged, HR, impending, ineffective, investee, marked, measuring, membership, objective, opening, origination, passed, premised, RCANZ, realignment, reclassified, recognizing, referendum, reissue, repaid, retrospective, returning, Rushing, screening, slower, stream, streamline, strength, strike, Tableau, TDX, tool, transparency, unlock, unsettled, Visier, voted, waiver, weakening, Wesley
Financial reports
10-K
2019 FY
Annual report
20 Feb 20
10-Q
2019 Q3
Quarterly report
25 Oct 19
10-Q
2019 Q2
Quarterly report
25 Jul 19
10-Q
2019 Q1
Quarterly report
10 May 19
10-K
2018 FY
Annual report
21 Feb 19
10-Q
2018 Q3
Quarterly report
25 Oct 18
10-Q
2018 Q2
Quarterly report
26 Jul 18
10-Q
2018 Q1
Quarterly report
26 Apr 18
10-K
2017 FY
Annual report
1 Mar 18
10-Q
2017 Q3
Quarterly report
9 Nov 17
Current reports
8-K
Results of Operations and Financial Condition
12 Feb 20
8-K
Other Events
19 Nov 19
8-K
Results of Operations and Financial Condition
23 Oct 19
8-K
Results of Operations and Financial Condition
24 Jul 19
8-K
Entry into a Material Definitive Agreement
22 Jul 19
8-K
Results of Operations and Financial Condition
10 May 19
8-K
Submission of Matters to a Vote of Security Holders
7 May 19
8-K
Departure of Directors or Certain Officers
27 Feb 19
8-K
Equifax names Heather H. Wilson as new independent director
22 Feb 19
8-K
Results of Operations and Financial Condition
20 Feb 19
Registration and prospectus
424B2
Prospectus for primary offering
19 Nov 19
FWP
Free writing prospectus
15 Nov 19
424B2
Prospectus for primary offering
15 Nov 19
S-3ASR
Automatic shelf registration
26 Jul 19
424B2
Prospectus for primary offering
25 May 18
FWP
Free writing prospectus
23 May 18
424B2
Prospectus for primary offering
23 May 18
424B2
Prospectus for primary offering
9 May 16
424B5
Prospectus supplement for primary offering
5 May 16
FWP
Free writing prospectus
5 May 16
Proxies
DEFA14A
Additional proxy soliciting materials
27 Mar 20
DEF 14A
Definitive proxy
27 Mar 20
DEFA14A
Additional proxy soliciting materials
22 Mar 19
DEF 14A
Definitive proxy
22 Mar 19
PX14A6G
Letter to shareholders
2 May 18
PX14A6G
Letter to shareholders
27 Apr 18
DEFA14A
Additional proxy soliciting materials
24 Apr 18
PX14A6G
Letter to shareholders
20 Apr 18
PX14A6G
Letter to shareholders
16 Apr 18
PX14A6G
Letter to shareholders
11 Apr 18
Other
UPLOAD
Letter from SEC
21 Aug 18
CORRESP
Correspondence with SEC
14 Aug 18
UPLOAD
Letter from SEC
31 Jul 18
UPLOAD
Letter from SEC
23 Jun 15
CORRESP
Correspondence with SEC
22 Jun 15
UPLOAD
Letter from SEC
10 Jun 15
CORRESP
Correspondence with SEC
26 Feb 14
UPLOAD
Letter from SEC
26 Feb 14
UPLOAD
Letter from SEC
25 Feb 14
CORRESP
Correspondence with SEC
20 Feb 14
Ownership
4
EQUIFAX / Elane B Stock ownership change
3 Apr 20
4
EQUIFAX / SIRI S MARSHALL ownership change
3 Apr 20
4
EQUIFAX / Jamil Farshchi ownership change
9 Mar 20
4
EQUIFAX / James M Griggs ownership change
25 Feb 20
4
EQUIFAX / Carla Chaney ownership change
25 Feb 20
4
EQUIFAX / Rodolfo O Ploder ownership change
25 Feb 20
4
EQUIFAX / Julia A Houston ownership change
25 Feb 20
4
EQUIFAX / JOHN W GAMBLE JR ownership change
25 Feb 20
4
EQUIFAX / Jamil Farshchi ownership change
25 Feb 20
4
EQUIFAX / Prasanna Dhore ownership change
25 Feb 20
Patents
APP
Utility
Optimizing Automated Modeling Algorithms for Risk Assessment and Generation of Explanatory Data
2 Apr 20
Certain aspects involve optimizing neural networks or other models for assessing risks and generating explanatory data regarding predictor variables used in the model.
APP
Utility
Confirming Authenticity of a User to a Third-party System
19 Mar 20
A telecommunications network server system provides a digital identifier to a user device.
APP
Utility
Facilitating Entity Resolution Via Secure Entity Resolution Database
19 Mar 20
In some aspects, an entity-resolution computing system for entity resolution is provided.
APP
Utility
Generating and Processing Obfuscated Sensitive Information
5 Mar 20
In some aspects, a computing system can receive a request for a processing operation that involves a query.
GRANT
Utility
Integrating sensitive data from a data provider into instances of third-party applications executed on user devices
3 Mar 20
Certain aspects involve facilitating the integration of sensitive data from a data provider into an instance of a web-based, third-party application.