Equifax Inc. Gains Amid Housing Cost Reduction Initiatives
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 30 2022
0mins
Should l Buy EFX?
Source: globenewswire
Equifax Inc. saw a price increase of 3.25%, reaching a 20-day high, as the broader market showed positive momentum with the Nasdaq-100 up 0.14% and the S&P 500 up 0.21%.
This rise is attributed to potential benefits from the Trump administration's initiatives aimed at reducing housing costs, which could positively impact Equifax and its subsidiary Fair Isaac. Analysts suggest that these initiatives may lead to increased demand for their services, contributing to the stock's upward movement.
The implications of this development suggest that Equifax could see a boost in its business operations if the housing cost reduction measures are implemented effectively, reflecting a positive outlook for the company in the near future.
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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: 192.700
Low
195.00
Averages
232.08
High
283.00
Current: 192.700
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.
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- Disconnect Between Data and Sentiment: Despite rising economic output and stock market gains, ordinary Americans are feeling increased financial pressure, as evidenced by credit card debt reaching a record $1.28 trillion in Q4 last year, indicating that economic prosperity is not benefiting the majority.
- Uneven Inflation Impact: According to Morgan Stanley, lower-income consumers faced significantly higher inflation rates for food and housing in 2024 compared to wealthier counterparts, exacerbating the gap between economic growth and consumer confidence and highlighting social inequality.
- 'Hiring Recession' in Job Market: While economic output per hour hit new highs, ordinary workers are anxious as the job market tightens, with December job openings falling to their lowest level since 2020, reflecting the disparity in economic benefits between high-income stockholders and the general workforce.
- Crisis of Trust in Economic Data: Surveys reveal that nearly 60% of Americans believe the economy is in recession, particularly among low-income households facing unstable financial situations, leading to a decline in trust in government economic data and highlighting the significant gap between economic prosperity and public sentiment.
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- Personalized Action Plans: Utilizing Equifax's patented EFX.AI technology, Optimal Path provides customized 30-day action plans based on users' credit profiles, enabling faster achievement of financial goals and improving user experience.
- Technological Integration Advantage: The Equifax Cloud™ provides a robust foundation for Optimal Path, ensuring seamless integration with the myEquifax app, thereby enhancing consumers' financial decision-making capabilities and boosting the company's competitiveness in the fintech sector.
- User Registration Convenience: All Equifax Core Credit™ and premium subscribers can access Optimal Path via the myEquifax app, with free registration available for Equifax Core Credit, significantly expanding the potential user base.
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Equifax Launches Free Credit Score Planning Tool for Consumers
- Innovative Credit Tool: Equifax leverages its advanced cloud-native platform and patented EFX.AI technology to launch Optimal Path™, a free interactive credit score planning tool for U.S. consumers aimed at enhancing personal financial management.
- Personalized Action Plans: Optimal Path integrates with users' credit profiles to provide tailored 30-day action plans, suggesting the most impactful steps to achieve their VantageScore®3.0 credit score goals, thereby accelerating the attainment of financial objectives.
- Progress Tracking and Reminders: The tool enables users to track their progress every 30 days and provides reminder notifications to ensure timely completion of plans, increasing the likelihood of successfully improving credit scores.
- User Registration Convenience: Optimal Path is now available for free in the myEquifax mobile app for all Equifax Core Credit™ and premium subscribers, allowing users to register easily to access the app and its features.
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- Information Services Criteria: Analysts highlighted that companies in the information services sector should possess proprietary data, entrenched regulatory frameworks, high switching costs, and significant failure costs to mitigate disruption risks and leverage AI, with EFX and TRU meeting these criteria, showcasing robust market potential.
- Growth Potential: Equifax's EWS segment is entering a multi-year acceleration phase, benefiting from TWN record expansion and government mandates, with an estimated $1.2 billion in incremental revenue at normalized volumes, further enhancing margins and revealing underappreciated growth visibility.
- Market Reaction: EFX shares rose 2.15% to $196.95 in pre-market trading, aligning BofA's Buy rating with the average sell-side analyst rating, while TRU shares increased 1.92% to $75.34, reflecting positive investor sentiment following the rating upgrades.
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Equifax (EFX.US) Executive Plans to Sell $7.4 Million in Common Stock via Form 144
Stock Sale Announcement: Equifax officer Mark Wintend plans to sell 37,791 shares of the company's common stock.
Market Value: The total market value of the shares being sold is approximately $7.4 million.
See More
The 'Boomcession' Phenomenon in the U.S. Economy
- Disconnect Between Data and Sentiment: Despite rising economic output and stock market gains, ordinary Americans are feeling increased financial pressure, as evidenced by credit card debt reaching a record $1.28 trillion in Q4 last year, indicating that economic prosperity is not benefiting the majority.
- Uneven Inflation Impact: According to Morgan Stanley, lower-income consumers faced significantly higher inflation rates for food and housing in 2024 compared to wealthier counterparts, exacerbating the gap between economic growth and consumer confidence and highlighting social inequality.
- 'Hiring Recession' in Job Market: While economic output per hour hit new highs, ordinary workers are anxious as the job market tightens, with December job openings falling to their lowest level since 2020, reflecting the disparity in economic benefits between high-income stockholders and the general workforce.
- Crisis of Trust in Economic Data: Surveys reveal that nearly 60% of Americans believe the economy is in recession, particularly among low-income households facing unstable financial situations, leading to a decline in trust in government economic data and highlighting the significant gap between economic prosperity and public sentiment.
See More
Equifax Launches Free Credit Score Planning Tool for Consumers
- Free Credit Planning Tool: Equifax launches Optimal Path through the myEquifax mobile app, allowing consumers to use this interactive credit score planner at no cost, helping them achieve their VantageScore®3.0 goals within 30 days and enhancing financial control.
- Personalized Action Plans: Utilizing Equifax's patented EFX.AI technology, Optimal Path provides customized 30-day action plans based on users' credit profiles, enabling faster achievement of financial goals and improving user experience.
- Technological Integration Advantage: The Equifax Cloud™ provides a robust foundation for Optimal Path, ensuring seamless integration with the myEquifax app, thereby enhancing consumers' financial decision-making capabilities and boosting the company's competitiveness in the fintech sector.
- User Registration Convenience: All Equifax Core Credit™ and premium subscribers can access Optimal Path via the myEquifax app, with free registration available for Equifax Core Credit, significantly expanding the potential user base.
See More
Equifax Launches Free Credit Score Planning Tool for Consumers
- Innovative Credit Tool: Equifax leverages its advanced cloud-native platform and patented EFX.AI technology to launch Optimal Path™, a free interactive credit score planning tool for U.S. consumers aimed at enhancing personal financial management.
- Personalized Action Plans: Optimal Path integrates with users' credit profiles to provide tailored 30-day action plans, suggesting the most impactful steps to achieve their VantageScore®3.0 credit score goals, thereby accelerating the attainment of financial objectives.
- Progress Tracking and Reminders: The tool enables users to track their progress every 30 days and provides reminder notifications to ensure timely completion of plans, increasing the likelihood of successfully improving credit scores.
- User Registration Convenience: Optimal Path is now available for free in the myEquifax mobile app for all Equifax Core Credit™ and premium subscribers, allowing users to register easily to access the app and its features.
See More
BofA Securities Upgrades Equifax and TransUnion Ratings
- Rating Upgrade: BofA Securities has upgraded the ratings on Equifax (EFX) and TransUnion (TRU), reaffirming a positive outlook on the business and information services sector, with expected average revenue, EPS, and free cash flow growth of 7%, 12%, and 11% in 2026, indicating strong confidence in the industry.
- Information Services Criteria: Analysts highlighted that companies in the information services sector should possess proprietary data, entrenched regulatory frameworks, high switching costs, and significant failure costs to mitigate disruption risks and leverage AI, with EFX and TRU meeting these criteria, showcasing robust market potential.
- Growth Potential: Equifax's EWS segment is entering a multi-year acceleration phase, benefiting from TWN record expansion and government mandates, with an estimated $1.2 billion in incremental revenue at normalized volumes, further enhancing margins and revealing underappreciated growth visibility.
- Market Reaction: EFX shares rose 2.15% to $196.95 in pre-market trading, aligning BofA's Buy rating with the average sell-side analyst rating, while TRU shares increased 1.92% to $75.34, reflecting positive investor sentiment following the rating upgrades.
See More
Latest Ratings and Outlook from Wall Street
- Nvidia Rating Reaffirmed: Citi reiterates Nvidia as a buy, anticipating the stock will outperform in the second half of 2026 as demand visibility extends into 2027, recommending investors add to their positions given attractive valuations.
- Toast Upgraded to Outperform: Bernstein upgrades Toast from market perform to outperform, noting that despite a 26% year-to-date decline, the restaurant tech company is positioned as an AI winner, suggesting a positive outlook.
- Carvana Maintains Overweight Rating: JPMorgan reiterates Carvana as overweight, asserting that fears surrounding AI are overblown, with the company's vertically integrated infrastructure providing a unique competitive moat to leverage AI effectively.
- Melco Upgraded to Buy: UBS upgrades Melco from neutral to buy, highlighting that despite a 27% year-to-date decline, enhancements at its City of Dreams in Macau are expected to offset margin pressures and branding fee increases in 2026.
See More
Equifax (EFX.US) Executive Plans to Sell $7.4 Million in Common Stock via Form 144
Stock Sale Announcement: Equifax officer Mark Wintend plans to sell 37,791 shares of the company's common stock.
Market Value: The total market value of the shares being sold is approximately $7.4 million.
See More
