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EFX vs TRU
Which Stock Would AI Choose? Equifax Inc. (EFX) vs. TransUnion (TRU) Stock Comparison
Key Takeaways
- EFX delivered Q1 2026 revenue growth of 14%, beating estimates, fueled by mortgage originations and AI tools, though shares fell in recent weeks.
- TRU shares gained over 9% in the past month amid broader sector upgrades, outperforming EFX's 3% decline, with Q1 earnings due soon.
- Both stocks lag the market YTD, with EFX down about 20% and TRU down 15%, reflecting mortgage and hiring slowdowns.
- EFX holds a larger market capitalization (market cap) of ~$21B versus TRU's $14B, with similar P/E ratios (price-to-earnings) around 30-31.
- Analysts maintain buy ratings for both, with average targets implying 30%+ upside, amid recent BofA upgrades.
Introduction
Equifax Inc. (EFX) and TransUnion (TRU) are leading credit bureaus providing data analytics, risk management, and verification services to financial institutions, insurers, and employers. This stock comparison is relevant for investors eyeing the consumer financial information sector, where macroeconomic factors like interest rates, housing markets, and employment trends drive performance. Traders may find value in assessing relative momentum and growth catalysts amid recent volatility, helping inform position sizing or sector rotation strategies in a challenging environment.
EFX Overview and Recent Performance
Equifax operates in workforce solutions—including verification and HR tools—U.S. information solutions for credit and mortgage services, and international operations across 24 countries. Recent market activity saw EFX report record Q1 2026 revenue of $1.65 billion, up 14% year-over-year, with adjusted EPS (earnings per share) of $1.86 beating estimates by 10%. Mortgage originations and AI-driven productivity gains offset weaker hiring trends, boosting sentiment. However, shares dropped over 13% in the past week post-earnings, trading near the 52-week low of $166 amid broader sector pressures, with YTD returns at -20%.
TRU Overview and Recent Performance
TransUnion focuses on U.S. and international markets for credit reporting, analytics, fraud prevention, and debt recovery, serving financial services, insurance, and retail. In recent weeks, TRU shares rose 9% over the past month, buoyed by analyst upgrades and expectations for Q1 2026 results due April 28. Prior Q4 showed U.S. market strength, with medium-term guidance for 8-9% organic revenue growth. Trading at $72.61 near the 52-week low of $65, YTD performance stands at -15%, reflecting sensitivity to mortgage slowdowns but supported by dividend hikes.
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Head-to-Head Comparison
Both companies share core credit bureau models but differ in diversification: EFX derives ~40% from workforce solutions, buffering cyclical credit risks better than TRU’s heavier U.S. financial services tilt. Growth drivers include mortgage recovery for EFX (recent surge) versus TRU’s international expansion. Recent momentum favors TRU (1-year -11% vs. EFX -33%), though EFX’s larger scale offers stability. Risks mirror sector headwinds—high rates curbing lending—but EFX faces post-earnings volatility, while TRU eyes earnings catalysts. Sentiment leans positive for both post-upgrades, with comparable valuations.
Tickeron AI Verdict
Tickeron’s AI currently favors TRU over EFX, based on superior short-term momentum, relative 1-year outperformance, and positioning ahead of Q1 results. While EFX demonstrates revenue consistency, TRU’s resilience amid macro pressures suggests higher probability of near-term upside in this competitive sector.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is EFX is a Buy and TRU is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
EFX’s FA Score shows that 1 FA rating(s) are green whileTRU’s FA Score has 0 green FA rating(s).
- EFX’s FA Score: 1 green, 4 red.
- TRU’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
EFX’s TA Score shows that 4 TA indicator(s) are bullish while TRU’s TA Score has 3 bullish TA indicator(s).
- EFX’s TA Score: 4 bullish, 5 bearish.
- TRU’s TA Score: 3 bullish, 6 bearish.
Price Growth
EFX (@Data Processing Services) experienced а -7.05% price change this week, while TRU (@Financial Publishing/Services) price change was -4.28% for the same time period.
The average weekly price growth across all stocks in the @Data Processing Services industry was -0.31%. For the same industry, the average monthly price growth was +1.19%, and the average quarterly price growth was -4.95%.
The average weekly price growth across all stocks in the @Financial Publishing/Services industry was -4.86%. For the same industry, the average monthly price growth was -6.55%, and the average quarterly price growth was -18.94%.
Reported Earning Dates
EFX is expected to report earnings on Jul 22, 2026.
TRU is expected to report earnings on Jul 28, 2026.
Industries' Descriptions
@Data Processing Services (-0.31% weekly)The industry involves capturing raw data from various sources, extracting meaningful information from it and presenting it in a more accessible digital format. Many people would agree that data is the new gold, which makes data processing services all the more relevant for businesses’ strategic decisions. PayPal Holdings Inc., Fidelity National Information Services, Inc. and Automatic Data Processing, Inc. some of the big players in his burgeoning industry.
@Financial Publishing/Services (-4.86% weekly)The financial publishing /services sector includes companies that provide informational products and services that are of value to investors, financial/analytics professionals and other interested readers. The products include real-time stock quotes, financial news and analyses. Think S&P Global, Inc., Moody`s Corporation, Thomson-Reuters Corp and IHS Markit Ltd. Information is critical in making financial or investment decisions, and what makes this industry’s output relevant at all times, across various economic conditions.
| EFX | TRU | EFX / TRU | |
| Capitalization | 18.3B | 12.4B | 148% |
| EBITDA | 1.9B | 1.71B | 111% |
| Gain YTD | -28.825 | -24.603 | 117% |
| P/E Ratio | 27.02 | 17.85 | 151% |
| Revenue | 6.28B | 4.73B | 133% |
| Total Cash | 183M | 733M | 25% |
| Total Debt | 5.31B | 5.69B | 93% |
EFX | TRU | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 17 | 19 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 14 Undervalued | 51 Fair valued | |
PROFIT vs RISK RATING 1..100 | 100 | 100 | |
SMR RATING 1..100 | 59 | 56 | |
PRICE GROWTH RATING 1..100 | 64 | 73 | |
P/E GROWTH RATING 1..100 | 91 | 97 | |
SEASONALITY SCORE 1..100 | 50 | 90 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
EFX's Valuation (14) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for TRU (51). This means that EFX’s stock grew somewhat faster than TRU’s over the last 12 months.
EFX's Profit vs Risk Rating (100) in the Miscellaneous Commercial Services industry is in the same range as TRU (100). This means that EFX’s stock grew similarly to TRU’s over the last 12 months.
TRU's SMR Rating (56) in the Miscellaneous Commercial Services industry is in the same range as EFX (59). This means that TRU’s stock grew similarly to EFX’s over the last 12 months.
EFX's Price Growth Rating (64) in the Miscellaneous Commercial Services industry is in the same range as TRU (73). This means that EFX’s stock grew similarly to TRU’s over the last 12 months.
EFX's P/E Growth Rating (91) in the Miscellaneous Commercial Services industry is in the same range as TRU (97). This means that EFX’s stock grew similarly to TRU’s over the last 12 months.
| EFX | TRU | |
|---|---|---|
| RSI ODDS (%) | 6 days ago 70% | N/A |
| Stochastic ODDS (%) | 1 day ago 71% | 1 day ago 64% |
| Momentum ODDS (%) | 1 day ago 64% | 1 day ago 71% |
| MACD ODDS (%) | 1 day ago 74% | 1 day ago 68% |
| TrendWeek ODDS (%) | 1 day ago 70% | 1 day ago 67% |
| TrendMonth ODDS (%) | 1 day ago 72% | 1 day ago 71% |
| Advances ODDS (%) | 8 days ago 61% | 8 days ago 66% |
| Declines ODDS (%) | 1 day ago 68% | 13 days ago 67% |
| BollingerBands ODDS (%) | 1 day ago 55% | 1 day ago 76% |
| Aroon ODDS (%) | 1 day ago 58% | 1 day ago 64% |
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EFX and
Correlation & Price change
A.I.dvisor indicates that over the last year, EFX has been loosely correlated with TRU. These tickers have moved in lockstep 65% of the time. This A.I.-generated data suggests there is some statistical probability that if EFX jumps, then TRU could also see price increases.
| Ticker / NAME | Correlation To EFX | 1D Price Change % | ||
|---|---|---|---|---|
| EFX | 100% | -0.29% | ||
| TRU - EFX | 65% Loosely correlated | -0.26% | ||
| EXPO - EFX | 56% Loosely correlated | -1.86% | ||
| MSA - EFX | 49% Loosely correlated | -0.27% | ||
| ARLO - EFX | 48% Loosely correlated | +1.23% | ||
| ALLE - EFX | 46% Loosely correlated | -1.98% | ||
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TRU and
Correlation & Price change
A.I.dvisor indicates that over the last year, TRU has been loosely correlated with EFX. These tickers have moved in lockstep 65% of the time. This A.I.-generated data suggests there is some statistical probability that if TRU jumps, then EFX could also see price increases.
| Ticker / NAME | Correlation To TRU | 1D Price Change % | ||
|---|---|---|---|---|
| TRU | 100% | -0.26% | ||
| EFX - TRU | 65% Loosely correlated | -0.29% | ||
| SPGI - TRU | 57% Loosely correlated | -0.86% | ||
| MCO - TRU | 56% Loosely correlated | -0.74% | ||
| EXPO - TRU | 51% Loosely correlated | -1.86% | ||
| MORN - TRU | 49% Loosely correlated | -0.18% | ||
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