EQUIFAX INC（EFX）の決算・業績分析
EQUIFAX INCの2025年有価証券報告書をAI分析。売上高$6.1B(+6.9%)。営業利益$1.1B。Information Technology。
目次
EQUIFAX INCの2025年度 業績サマリー
EQUIFAX INC（証券コード: EFX）の2025年度決算・業績分析。売上高は$6.1B（前年比+6.9%）。営業利益は$1.1B（前年比+5.1%）。純利益は$660M（前年比+9.3%）。有価証券報告書を基に、業績変化の要因・リスク・見通し・セグメント構成を AI が分析しました。
EQUIFAX INCの2024年度 注目ポイント
※ 直近の2025年度XBRLデータは取込済みですが、AI分析は2024年度の10-Kを対象としています。
- Revenue grew 4.0% YoY to $5.1B (XBRL), but operating income fell 7.2% YoY to $1.1B (XBRL) and net income declined 6.4% YoY to $696M (XBRL).
- Free cash flow turned negative at -$202M (XBRL) due to $960M in investing outflows (XBRL), while net debt rose to $4.5B (2.8x EBITDA) (XBRL).
- Operating margin held at 20.6% (XBRL), but net margin dropped to 13.6% (XBRL) from prior year, reflecting increased costs or pressure on pricing.
EQUIFAX INCの売上高変化の要因
- •Total revenue reached $5.1B (XBRL), reflecting +4.0% YoY growth. Drivers include U.S. economic activity (76% of revenue) and demand from financial services, mortgage, talent solutions, and government sectors (10-K). However, segment-specific revenue breakdowns are not available in XBRL data (XBRL). The 5-year revenue CAGR of +9.1% (XBRL) suggests sustained growth, though FY2024 growth was modest compared to prior years (e.g., FY2023: $4.9B).
EQUIFAX INCの営業利益変化の要因
- •Operating income declined 7.2% YoY to $1.1B (XBRL), with operating margin stable at 20.6% (XBRL). EBITDA of $1.6B (31.7% of revenue) (XBRL) indicates strong pre-interest profitability. Net income fell 6.4% YoY to $696M (XBRL), with net margin at 13.6% (XBRL). Cost of sales changes and drivers of operating income decline are not quantified in XBRL data (XBRL).
EQUIFAX INCの事業リスクと対応
Technology and data security risks: Breaches could harm operations, incur costs, and damage reputation (10-K).
Certification risks: Failure to maintain industry certifications may result in loss of business and revenue (10-K).
Regulatory risks: Potential fines or penalties from security breaches and certification requirements (10-K).
Competitive risks: Cybersecurity incidents could harm customer trust and competitive position (10-K).
Economic sensitivity: Revenue tied to U.S. economic activity and mortgage refinance demand, which is sensitive to interest rates (10-K).
EQUIFAX INCの今後の見通し・業績予想
EQUIFAX INCの事業内容
Equifax Inc. (EFX) operates as a data, analytics, and technology solutions provider for businesses, governments, and consumers, generating revenue through subscription-based services, data licensing, and technology solutions (10-K). Key segments include Workforce Solutions (income/employment verification, HR automation), U.S. Information Solutions (consumer credit data, fraud detection), and International (credit monitoring, debt recovery services) (10-K). The company's competitive advantages include its Equifax Cloud platform, proprietary data analytics tools, and differentiated data assets, supported by machine learning, AI, and cloud-native infrastructure (10-K).
EQUIFAX INCのAI業績分析レポート（2024年度）
Equifax Inc. (EFX) FY2024 Annual Report Analysis
Highlights
Business Overview
Equifax Inc. provides data, analytics, and technology solutions for businesses, governments, and consumers, generating revenue through subscription-based services, data licensing, and technology solutions (10-K). Key segments include Workforce Solutions (income/employment verification, HR automation), U.S. Information Solutions (consumer credit data, fraud detection), and International (credit monitoring, debt recovery services) (10-K). The company's competitive advantages include its Equifax Cloud platform, proprietary data analytics tools, and differentiated data assets, supported by machine learning, AI, and cloud-native infrastructure (10-K).
Revenue Analysis
Total revenue reached $5.1B (XBRL), reflecting +4.0% YoY growth. Drivers include U.S. economic activity (76% of revenue) and demand from financial services, mortgage, talent solutions, and government sectors (10-K). However, segment-specific revenue breakdowns are not available in XBRL data (XBRL). The 5-year revenue CAGR of +9.1% (XBRL) suggests sustained growth, though FY2024 growth was modest compared to prior years (e.g., FY2023: $4.9B).
Profitability Analysis
Operating income declined 7.2% YoY to $1.1B (XBRL), with operating margin stable at 20.6% (XBRL). EBITDA of $1.6B (31.7% of revenue) (XBRL) indicates strong pre-interest profitability. Net income fell 6.4% YoY to $696M (XBRL), with net margin at 13.6% (XBRL). Cost of sales changes and drivers of operating income decline are not quantified in XBRL data (XBRL).
Balance Sheet Analysis
Equity ratio stands at 36.9% (XBRL), with total debt of $4.7B (XBRL) and net debt of $4.5B (2.8x EBITDA) (XBRL). Current ratio is 0.67x (XBRL), indicating potential liquidity constraints. Cash balances are $217M (XBRL), while total assets grew to $12.3B (XBRL) in FY2024. Long-term debt increased from $4.0B in FY2023 to $4.7B in FY2024 (XBRL).
Cash Flow Analysis
Operating cash flow was $757M (XBRL), lower than net income ($696M) (XBRL). Free cash flow was -$202M (XBRL) due to $960M in investing outflows (XBRL). Financing cash flow of $274M (XBRL) included $191M in dividends paid (XBRL). Capital expenditures and specific investing activities (e.g., acquisitions) are not quantified in XBRL data (XBRL).
Working Capital Analysis
Receivables Days: 65 days (XBRL); Payables Days: 14 days (XBRL); Asset Turnover: 0.42x (XBRL). No data available for inventory days or cash conversion cycle (N/A).
Risks
Outlook
Management expects 2025 U.S. GDP growth similar to 2024 but lower mortgage activity due to interest rates (10-K). International GDP growth in Australia, U.K., and Canada is expected to remain stable (10-K). Key drivers include expansion initiatives and market diversification (10-K).
Historical Time Series
| Metric | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | 3.4B | 3.5B | 4.1B | 4.9B | 5.1B | 5.3B |
| Operating Income | 448M | -335M | 677M | 1.1B | 1.1B | 934M |
| Net Income | 310M | -384M | 520M | 744M | 696M | 545M |
| Total Assets | 7.9B | 9.6B | 11.0B | 11.5B | 12.3B | 11.8B |
| Total Equity | 2.6B | 3.2B | 3.6B | 4.0B | 4.5B | 4.8B |
| Operating Cash Flow | 672M | 314M | 946M | 1.3B | 757M | 1.1B |
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