WallStSmart

Equifax Inc (EFX)vsICF International Inc (ICFI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Equifax Inc generates 235% more annual revenue ($6.28B vs $1.87B). EFX leads profitability with a 11.1% profit margin vs 4.9%. EFX appears more attractively valued with a PEG of 1.72. EFX earns a higher WallStSmart Score of 66/100 (B-).

EFX

Strong Buy

66

out of 100

Grade: B-

Growth: 7.3Profit: 6.5Value: 4.7Quality: 4.0
Piotroski: 2/9

ICFI

Hold

47

out of 100

Grade: D+

Growth: 2.7Profit: 5.5Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EFXOvervalued (-8.6%)

Margin of Safety

-8.6%

Fair Value

$181.98

Current Price

$167.82

$14.16 premium

UndervaluedFair: $181.98Overvalued
ICFIUndervalued (+31.3%)

Margin of Safety

+31.3%

Fair Value

$114.22

Current Price

$67.27

$46.95 discount

UndervaluedFair: $114.22Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EFX1 strengths · Avg: 8.0/10
EPS GrowthGrowth
34.0%8/10

Earnings expanding 34.0% YoY

ICFI2 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Areas to Watch

EFX3 concerns · Avg: 3.7/10
PEG RatioValuation
1.724/10

Expensive relative to growth rate

P/E RatioValuation
29.6x4/10

Moderate valuation

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

ICFI4 concerns · Avg: 3.0/10
PEG RatioValuation
1.824/10

Expensive relative to growth rate

Market CapQuality
$1.33B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.9%3/10

4.9% margin — thin

Revenue GrowthGrowth
-10.6%2/10

Revenue declined 10.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : EFX

The strongest argument for EFX centers on EPS Growth. Revenue growth of 14.3% demonstrates continued momentum.

Bull Case : ICFI

The strongest argument for ICFI centers on Price/Book, P/E Ratio.

Bear Case : EFX

The primary concerns for EFX are PEG Ratio, P/E Ratio, Piotroski F-Score.

Bear Case : ICFI

The primary concerns for ICFI are PEG Ratio, Market Cap, Profit Margin. Thin 4.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

EFX carries more volatility with a beta of 1.35 — expect wider price swings.

EFX is growing revenue faster at 14.3% — sustainability is the question.

EFX generates stronger free cash flow (122M), providing more financial flexibility.

Monitor CONSULTING SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

EFX scores higher overall (66/100 vs 47/100) and 14.3% revenue growth. ICFI offers better value entry with a 31.3% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Equifax Inc

INDUSTRIALS · CONSULTING SERVICES · USA

Equifax Inc. is an American multinational consumer credit reporting agency and is one of the three largest consumer credit reporting agencies, along with Experian and TransUnion. In addition to credit and demographic data and services to business, Equifax sells credit monitoring and fraud prevention services directly to consumers.

ICF International Inc

INDUSTRIALS · CONSULTING SERVICES · USA

ICF International, Inc. provides management, marketing, technology and policy consulting and implementation services to government and commercial clients in the United States and internationally. The company is headquartered in Fairfax, Virginia.

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