Equifax (EFX) Stock Forecast & Price Target

Equifax anticipates its FY25 revenue to range between $6.03 billion and $6.06 billion, reflecting an increase from previous estimates of $5.97 billion to $6.04 billion, indicating strong growth expectations. The company has demonstrated resilience with a 7.2% year-over-year revenue increase in 3Q, supported by a 4.7% growth in its workforce solutions segment, driven by rising consumer lending and government demand. With improved business performance and stronger-than-expected mortgage originations, Equifax is positioned to capitalize on ongoing trends, driving positive long-term financial prospects.

Equifax faces a negative outlook primarily due to anticipated EBITDA declines of 10% driven by limited contract wins and increasing competition, alongside a revised revenue guidance reflecting a higher foreign exchange headwind and a projected high single-digit year-over-year decline in mortgage inquiries. Furthermore, Equifax's damaged reputation from a significant cybersecurity breach has resulted in ongoing lawsuits, adversely affecting cash flow. The company's high debt load also poses refinancing risks in a volatile market, potentially leading to higher interest expenses if favorable credit terms cannot be secured.