Putting It All Together: SPUS May Have a Value of $52
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Aug 22 2025
0mins
Should l Buy EFX?
Source: NASDAQ.COM
ETF Analysis: The SP Funds S&P 500 Sharia Industry Exclusions ETF (SPUS) has an implied analyst target price of $51.68, indicating an 11.66% upside from its current trading price of $46.28.
Notable Holdings: Key underlying holdings with significant upside potential include Nordson Corp. (14.72% upside), Equifax Inc (13.46% upside), and First Solar Inc (12.48% upside) based on their respective average analyst target prices.
Market Sentiment: Analysts' target prices may reflect optimism about future performance but could also lead to downgrades if they are based on outdated information or fail to account for recent developments in the companies or industries.
Investor Considerations: Investors are encouraged to conduct further research to determine whether analysts' targets are justified or overly optimistic regarding the future stock performance of these companies.
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Analyst Views on EFX
Wall Street analysts forecast EFX stock price to rise
14 Analyst Rating
10 Buy
4 Hold
0 Sell
Moderate Buy
Current: 179.660
Low
195.00
Averages
232.08
High
283.00
Current: 179.660
Low
195.00
Averages
232.08
High
283.00
About EFX
Equifax Inc. is a global data, analytics, and technology company. The Company is engaged in helping financial institutions, companies, employers, and government agencies make critical decisions. The Company’s Workforce Solutions segment provides services enabling customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure and sanctions of people in the United States. The Company’s U.S. Information Solutions (USIS) segment provides consumer and commercial information solutions to businesses in the United States, including online information, decisioning technology solutions, identity management services, analytical services, e-commerce fraud and charge back protection services, portfolio management services, mortgage information and marketing services. The Company’s International segment provides products and services similar to those available in the USIS segment but with variations by geographic region.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Upstart Revolutionizes Lending with AI Technology
- Increased Approval Rates: Upstart's AI-powered algorithm utilizes over 2,500 data points to achieve a 43% higher loan approval rate compared to traditional methods, which not only reduces default rates but also enhances customer satisfaction and strengthens market competitiveness.
- Significant Revenue Growth: After navigating the turbulence caused by the COVID-19 pandemic, Upstart achieved a 64% revenue growth in 2024, totaling $1 billion, and successfully turned a profit of $53.6 million, demonstrating the resilience and potential of its business model.
- Intensifying Market Competition: Despite Upstart's achievement of 1.5 million loan originations, the vast U.S. lending market still offers significant growth opportunities, with traditional credit agencies like Equifax and TransUnion beginning to adopt AI technology, posing a potential threat to Upstart's market share.
- Technological Lead Advantage: Although competition is increasing, Upstart has built substantial experience in AI applications since its founding in 2012, and is expected to maintain a competitive edge for the foreseeable future, even though its long-term market position may face challenges.
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- Significant Revenue Growth: In 2024, Upstart achieved a 64% revenue growth totaling $1 billion, swinging to a profit of $53.6 million, demonstrating the sustainability of its business model and the recovery of market demand.
- Rising Competition Risks: While Upstart leads in AI credit scoring, traditional competitors like Equifax and TransUnion are rapidly launching their own AI solutions, which could undermine Upstart's market share and growth potential.
- Increased Investor Interest: Although Upstart did not make it onto The Motley Fool's list of top stocks, its innovations in AI continue to attract investor attention, potentially yielding substantial returns in the short term.
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- Revenue Miss: The company posted revenues of $1.06 billion for the quarter, falling short of the Zacks consensus estimate of $1.086 billion, although this represents a 4.95% increase from $1.01 billion a year ago, highlighting revenue growth challenges in a competitive landscape.
- Cautious Outlook: While Acuity has exceeded earnings expectations in four consecutive quarters, management's commentary on future earnings will significantly influence short-term stock movements, with the current Zacks Rank of 3 (Hold) suggesting a wait-and-see approach from the market.
- Poor Industry Ranking: The Technology Services sector, where Acuity operates, ranks in the bottom 23% of Zacks industries, indicating that overall industry performance may negatively impact Acuity's stock price, prompting investors to monitor industry trends for future risks.
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- Surge in Betting Expenditure: The American Gaming Association estimates that legal sports betting for this year's NCAA men's and women's basketball tournaments will reach $3.3 billion, marking a 54% increase over the past three years, indicating a rapid rise in sports betting participation, which may strain household financial stability.
- Deteriorating Credit Health: A report from the New York Federal Reserve highlights an increase in credit delinquencies in states with legalized betting, particularly among those under 40, suggesting that gambling may significantly impact young consumers' financial health and lead to higher bankruptcy risks.
- Declining Credit Scores: According to FICO, the national average credit score has dropped to 714, down two points from last year, primarily due to the resumption of student loan and mortgage delinquency reporting, reflecting an overall deterioration in consumer credit health.
- Economic Divergence: While some consumers face worsening credit conditions, FICO also notes a growing number of consumers exhibiting strong credit behaviors at both ends of the scoring spectrum, indicating a K-shaped recovery in the economy, where some borrowers are experiencing increased financial pressure.
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Equifax Shares Enter Oversold Territory with RSI at 29.99
- Oversold Signal: Equifax (Ticker: EFX) saw its RSI drop to 29.99 during Tuesday's trading, indicating the stock has entered oversold territory, suggesting that the recent heavy selling pressure may be waning, thus providing potential buying opportunities for investors.
- Price Fluctuation: The stock traded as low as $166.07, nearing its 52-week low of $166.02, with the current trading price at $169.50, indicating significant market attention and volatility surrounding the stock.
- Market Comparison: Compared to the S&P 500 ETF (SPY) with an RSI of 38.6, EFX's oversold condition may attract bullish investors looking for entry points in anticipation of a rebound.
- Historical Performance: EFX's 52-week high stands at $281.03, and the current price shows a significant gap from this peak, reflecting a lack of market confidence that could provide room for future recovery.
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- Stock Performance: Shares of Fair Isaac Co. and credit reporting firms experienced a decline on Tuesday afternoon.
- Market Reaction: The drop in stock prices is linked to increasing calls for more affordable options for potential home buyers.
See More
Upstart Revolutionizes Lending with AI Technology
- Increased Approval Rates: Upstart's AI-powered algorithm utilizes over 2,500 data points to achieve a 43% higher loan approval rate compared to traditional methods, which not only reduces default rates but also enhances customer satisfaction and strengthens market competitiveness.
- Significant Revenue Growth: After navigating the turbulence caused by the COVID-19 pandemic, Upstart achieved a 64% revenue growth in 2024, totaling $1 billion, and successfully turned a profit of $53.6 million, demonstrating the resilience and potential of its business model.
- Intensifying Market Competition: Despite Upstart's achievement of 1.5 million loan originations, the vast U.S. lending market still offers significant growth opportunities, with traditional credit agencies like Equifax and TransUnion beginning to adopt AI technology, posing a potential threat to Upstart's market share.
- Technological Lead Advantage: Although competition is increasing, Upstart has built substantial experience in AI applications since its founding in 2012, and is expected to maintain a competitive edge for the foreseeable future, even though its long-term market position may face challenges.
See More
Upstart: Disruptor in AI Credit Scoring
- Increased Approval Rates: Upstart's AI-driven algorithm analyzes over 2,500 data points, resulting in a 43% higher loan approval rate compared to traditional methods, which not only reduces default risks but also enhances customer satisfaction and market competitiveness.
- Significant Revenue Growth: In 2024, Upstart achieved a 64% revenue growth totaling $1 billion, swinging to a profit of $53.6 million, demonstrating the sustainability of its business model and the recovery of market demand.
- Rising Competition Risks: While Upstart leads in AI credit scoring, traditional competitors like Equifax and TransUnion are rapidly launching their own AI solutions, which could undermine Upstart's market share and growth potential.
- Increased Investor Interest: Although Upstart did not make it onto The Motley Fool's list of top stocks, its innovations in AI continue to attract investor attention, potentially yielding substantial returns in the short term.
See More
Acuity Reports Quarterly Earnings Beat Expectations
- Earnings Beat: Acuity reported earnings of $4.14 per share, surpassing the Zacks consensus estimate of $4.01, reflecting a 10.99% increase from last year's $3.73, indicating sustained profitability despite broader market challenges.
- Revenue Miss: The company posted revenues of $1.06 billion for the quarter, falling short of the Zacks consensus estimate of $1.086 billion, although this represents a 4.95% increase from $1.01 billion a year ago, highlighting revenue growth challenges in a competitive landscape.
- Cautious Outlook: While Acuity has exceeded earnings expectations in four consecutive quarters, management's commentary on future earnings will significantly influence short-term stock movements, with the current Zacks Rank of 3 (Hold) suggesting a wait-and-see approach from the market.
- Poor Industry Ranking: The Technology Services sector, where Acuity operates, ranks in the bottom 23% of Zacks industries, indicating that overall industry performance may negatively impact Acuity's stock price, prompting investors to monitor industry trends for future risks.
See More
Impact of Sports Betting on Household Finances
- Surge in Betting Expenditure: The American Gaming Association estimates that legal sports betting for this year's NCAA men's and women's basketball tournaments will reach $3.3 billion, marking a 54% increase over the past three years, indicating a rapid rise in sports betting participation, which may strain household financial stability.
- Deteriorating Credit Health: A report from the New York Federal Reserve highlights an increase in credit delinquencies in states with legalized betting, particularly among those under 40, suggesting that gambling may significantly impact young consumers' financial health and lead to higher bankruptcy risks.
- Declining Credit Scores: According to FICO, the national average credit score has dropped to 714, down two points from last year, primarily due to the resumption of student loan and mortgage delinquency reporting, reflecting an overall deterioration in consumer credit health.
- Economic Divergence: While some consumers face worsening credit conditions, FICO also notes a growing number of consumers exhibiting strong credit behaviors at both ends of the scoring spectrum, indicating a K-shaped recovery in the economy, where some borrowers are experiencing increased financial pressure.
See More
Equifax Shares Enter Oversold Territory with RSI at 29.99
- Oversold Signal: Equifax (Ticker: EFX) saw its RSI drop to 29.99 during Tuesday's trading, indicating the stock has entered oversold territory, suggesting that the recent heavy selling pressure may be waning, thus providing potential buying opportunities for investors.
- Price Fluctuation: The stock traded as low as $166.07, nearing its 52-week low of $166.02, with the current trading price at $169.50, indicating significant market attention and volatility surrounding the stock.
- Market Comparison: Compared to the S&P 500 ETF (SPY) with an RSI of 38.6, EFX's oversold condition may attract bullish investors looking for entry points in anticipation of a rebound.
- Historical Performance: EFX's 52-week high stands at $281.03, and the current price shows a significant gap from this peak, reflecting a lack of market confidence that could provide room for future recovery.
See More
Pulte Criticizes Credit Reporting Agencies as FICO's Stock Plummets.
- Stock Performance: Shares of Fair Isaac Co. and credit reporting firms experienced a decline on Tuesday afternoon.
- Market Reaction: The drop in stock prices is linked to increasing calls for more affordable options for potential home buyers.
See More
