EFXEquifax
Is it safe?
Strong, no red flags: a safe balance sheet.
Financially healthy, low distress risk Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
Insiders were net sellers (-$7.4M, 90 days to Oct 8, 2026), selling is often routine.
Investment-grade balance sheet. A rule of thumb on leverage, not a credit rating.
Moderate price swings, typical volatility. Worst drawdown -55% · now 43% below its 52-week high.
Unless marked, from SEC EDGAR, as of Dec 31, 2025.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can EFX take a bad year?
Equifax carries $5.30B of net debt at 2.80× EBITDA: a load its earnings can carry.
Net debt · as at Q2 2026 · between two and four years of EBITDA, normal for a stable business
- Net debt / EBITDA
- 2.80×
Net debt / EBITDA · 2.65× a year ago · the load is going up
- Altman Z-score
- 3.05
Altman Z-score · safe zone, above 3
- Interest cover
- 5.19×
Interest cover · operating profit covers the interest bill several times over
Details›
- Total debtQ2 2026
- $5.47B
- Cash and short-term investments
- $170M
- Net debt
- $5.30B
- EBITDA, trailing twelve months
- $1.89B
- Operating profit, trailing twelve months
- $1.15B
- Debt / equity
- 1.25×
- Total debt / EBITDA
- 2.89×
- Annualised volatilitytwo years of daily moves
- 37%
- Worst drawdown on file
- −55%
- Below its 52-week high
- 43%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
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