EFX
Equifax Inc.Evidence as of 2026-09-02Overview · Equifax Inc.
Equifax Inc. operates as a data, analytics, and technology company. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment offers services that enables customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure, and sanctions of people in the United States; and em…
Management team
- Mr. Chad M. Borton · Executive VP & President of Workforce SolutionsFind on LinkedIn
- Mr. Todd Horvath · Executive VP & President of U.S. Information SolutionsFind on LinkedIn
- Mr. Jamil Farshchi · Executive VP, CTO & Chief Information Security OfficerFind on LinkedIn
- Mr. John W. Gamble Jr. · Executive VP, CFO & COOFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Built with a source down
A data source was unavailable when this report was built, so Oakes, Mercer could not check their evidence. That absence is Moneyta's gap, not a fact about the company — read the overall tone accordingly.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
−0.4 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The desk’s surviving claims paint a cautious technical portrait of EFX. Short-term momentum is mixed: three‑month momentum is + 5.7% while six‑month momentum is − 9.2% and the 12‑1 momentum is − 26.7%, with that 12‑1 reading at the 12th percentile of the 547‑stock research universe as of 2026‑09‑01. Price sits + 5.6% above the 50‑day simple moving average and − 0.7% below the 200‑day simple moving average on 2026‑09‑01, while the three‑year max drawdown is − 49.7% and the current drawdown from the three‑year high is − 38.3% (3‑year drawdown ranked at the 20th percentile of the 547‑stock universe).
Volatility is elevated: 30‑day annualized volatility is + 40.7% and 90‑day is + 40.4%, with volatility versus the stock’s own history at the 87th percentile of the 547‑stock universe. Market sensitivity appears low: beta to SPY is 0.55 with a correlation of 0.18. Institutional and ETF holdings in the evidence set are limited and dated: B. Riley Wealth Advisors reported $ 216,791 of 13F holdings for the quarter ended 2025‑03‑31 (13F data carries a 45‑day reporting lag), and ETF VO had a reported weight of 0.38% as of 2026‑09‑02. News items in the packet include a $ 0.56 per share cash dividend with an ex‑dividend date of 2026‑08‑31, reporting of class‑action and other settlements, and small institutional transactions noted in late‑August 2026 coverage.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
A data source was unavailable when this report was built, so this slice could not be checked — absence here says nothing about the company.
Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
A data source was unavailable when this report was built, so this slice could not be checked — absence here says nothing about the company.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
Three-month momentum is +5.7% while six-month momentum is -9.2% and the 12-1 momentum is -26.7%, with the 12-1 momentum at the 12th percentile of the 547-stock research universe as of 2026-09-01.
Moneyta signal set · 2026-09-01weakened in debatePrice is +5.6% above the 50-day simple moving average and -0.7% below the 200-day simple moving average as of 2026-09-01.
Moneyta signal set · 2026-09-01Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
B. Riley Wealth Advisors, Inc. is listed as a top 13F holder with reported holdings valued at $216,791 for the quarter ended 2025-03-31.
13F holdings · 1 filers · as of 2025-03-3113F holdings carry a 45-day reporting lag, so the 13F value is the latest reported quarter rather than a current-day position.
13F holdings · 1 filers · as of 2025-03-31Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
A class-action settlement claim deadline was reported as last day to file for part of a $2.2M settlement on 31 August 2026.
News · cnet.com · 2026-08-31A $0.56 per share cash dividend with an ex-dividend date of 2026-08-31 and a payable date of 2026-09-15 was reported in coverage that appeared on 2026-08-31.
News · finance.yahoo.com · 2026-08-31Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
No insider transactions on file in the trailing 180 days.
Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The filings on record don't carry four quarters of both operating cash flow and capital expenditure. IFRS filers report no common capex concept, so no FCF claim is made..
Debate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
Several claims together paint a constructive, resilience-focused read: the share price trading 5.6% above its 50-day moving average (market-1) combined with a positive three-month momentum (+5.7%, market-0) shows recent price recovery versus the deeper longer-term weakness. Low market sensitivity (beta 0.55) and very low correlation to SPY (market-4) indicate the stock's moves are less driven by broad-market swings, which can matter to investors seeking idiosyncratic exposure. Recent cash dividend disclosure (news-1), a reported small institutional purchase (news-4), and measurable ETF inclusion (ownership-2) together show continuing income policy and pockets of institutional/ETF interest. While volatility and multi-year drawdown are material risks, the cluster of near-term technical improvement and visible investor participation supports a favorable informational read of the current setup.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.37
16 surviving claims rest on 8 distinct sources; the heaviest analyst carries 38% of them, and 97% of what the desk raised survived the debate.
The read is numerically resilient: most claims survived debate and the surviving set spans multiple evidence types. However, a significant share of surviving claims trace to a small number of sources and one analyst carries a large fraction, so this read should be weighted cautiously — it is informative but somewhat fragile to source- or analyst-specific errors.
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash−0.8 to the score
2 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.0 to the score
7 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 record· 0 cited
Company profile
Sector, industry and company details.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on EFX Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.