WallStSmart

Equifax Inc (EFX)vsICF International Inc (ICFI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Equifax Inc generates 254% more annual revenue ($6.44B vs $1.82B). EFX leads profitability with a 10.7% profit margin vs 4.7%. EFX appears more attractively valued with a PEG of 1.81. EFX earns a higher WallStSmart Score of 58/100 (C).

EFX

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 7.0Value: 3.3Quality: 4.5
Piotroski: 5/9Altman Z: 1.89

ICFI

Hold

47

out of 100

Grade: D+

Growth: 2.7Profit: 5.5Value: 5.3Quality: 6.0
Piotroski: 4/9Altman Z: 2.43
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EFXSignificantly Overvalued (-17.4%)

Margin of Safety

-17.4%

Fair Value

$168.37

Current Price

$180.85

$12.48 premium

UndervaluedFair: $168.37Overvalued
ICFIOvervalued (-6.1%)

Margin of Safety

-6.1%

Fair Value

$73.91

Current Price

$88.39

$14.48 premium

UndervaluedFair: $73.91Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EFX0 strengths · Avg: 0/10

No standout strengths identified

ICFI2 strengths · Avg: 8.0/10
P/E RatioValuation
17.5x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

EFX4 concerns · Avg: 4.0/10
PEG RatioValuation
1.814/10

Expensive relative to growth rate

P/E RatioValuation
32.6x4/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
0.7%4/10

0.7% earnings growth

Altman Z-ScoreHealth
1.894/10

Grey zone — moderate risk

ICFI4 concerns · Avg: 3.0/10
PEG RatioValuation
1.884/10

Expensive relative to growth rate

Market CapQuality
$1.46B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.7%3/10

4.7% margin — thin

Revenue GrowthGrowth
-10.3%2/10

Revenue declined 10.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : EFX

Revenue growth of 10.6% demonstrates continued momentum.

Bull Case : ICFI

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

Bear Case : EFX

The primary concerns for EFX are PEG Ratio, P/E Ratio, EPS Growth.

Bear Case : ICFI

The primary concerns for ICFI are PEG Ratio, Market Cap, Profit Margin. Thin 4.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

EFX carries more volatility with a beta of 1.30 — expect wider price swings.

EFX is growing revenue faster at 10.6% — sustainability is the question.

EFX generates stronger free cash flow (205M), providing more financial flexibility.

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

Bottom Line

EFX scores higher overall (58/100 vs 47/100) and 10.6% revenue growth. Both earn "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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