Equifax Inc. (EFX)

Over the past six months, Equifax's stock price has experienced a decline. Key events impacting the stock include strong third-quarter 2025 results, which initially led to a positive market reaction, and a stock fall following criticism from the FHFA Director regarding credit bureaus' pricing practices, raising concerns about potential regulatory scrutiny.

While specific monthly seasonal patterns are not explicitly detailed, the demand for Equifax's offerings is influenced by factors such as mortgage originations, employment background screening, and government benefits disbursement. A recovery in the U.S. mortgage market is anticipated to be a positive driver. Rising demand for eligibility verification and the expansion of its data assets are noted to be reducing the cyclicality of its business. Equifax's Workforce Solutions segment is expected to grow due to opportunities for expansion and pricing power.

Equifax, Inc. is a global data, analytics, and technology company providing information solutions and human resources business-process outsourcing services. Its major products and services are delivered through three primary segments: Workforce Solutions, U.S. Information Solutions (USIS), and International, with a fourth segment, Global Consumer Solutions, also mentioned. The Workforce Solutions segment offers services for verifying income, employment, educational history, criminal justice data, healthcare professional licensure, and sanctions. The USIS segment provides consumer and commercial information solutions, including credit information and scoring, fraud detection and prevention, and mortgage services. The International segment offers similar services tailored to specific geographic regions and supports debt collection. A key asset is "The Work Number," a database of income and employment records.

Equifax has a significant global presence, operating in 24 countries. Its operations span four global regions: North America (U.S. and Canada), Asia Pacific (Australia, New Zealand, and India), Europe (the United Kingdom, Spain, and Portugal), and Latin America (Argentina, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru, and Uruguay, and Brazil).

Equifax's brand reputation was significantly tarnished by a major cybersecurity incident in 2017. More recent events include the launch of "The Work Number® Report Indicator" and securing new patents, which can positively contribute to the company's reputation. Criticism from the FHFA Director regarding credit bureaus' pricing practices could negatively impact public perception.

Equifax Inc. is predominantly owned by institutional investors, who hold a significant percentage of the company's shares. Major institutional owners include Vanguard Group Inc, Capital International Investors and BlackRock, Inc.. Individual investors and company insiders hold a smaller percentage of the stock.