EQUIFAX INC vs TransUnion, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Neither bureau's growth prints here, but they are near-twins: Equifax and TransUnion both sell credit data and analytics, and their returns nearly match, 15.3% and 14.3% on equity, 5.85% and 5.85% on assets to the decimal. Net margins sit at 11.1% and 14.9%, TransUnion slightly ahead. Equifax trades dearer, 27.9 times against 19.5, its multiple carrying the premium of the larger, more-diversified bureau. Both carry similar leverage, 1.16 and 1.14 turns, and pay small dividends near 1%. The pair is the credit-bureau duopoly (with Experian off-page) priced eight turns apart on nearly identical economics; the spread is scale-and-mix perception more than any measurable gap in the two businesses.
Comparison updated 2026-07-11.
| Metric | EFX | TRU |
|---|---|---|
| Price | $158.41 | $70.34 |
| Market cap | $19.1B | $13.7B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | +18.1% | +23.5% |
| P/E | 27.9 | 19.5 |
| P/B | 4.19 | 2.78 |
| P/S | 3.05 | 2.89 |
| EV/EBITDA | 12.9 | 12.9 |
| Revenue growth | +9.6% | +11.0% |
| Operating margin | 17.4% | 19.6% |
| Net margin | 11.1% | 14.9% |
| Return on equity | 15.3% | 14.3% |
| Return on assets | 5.8% | 5.8% |
| Dividend yield | 1.2% | 0.7% |
| Debt / equity | 1.16 | 1.14 |
| Current ratio | 0.61 | 1.93 |
| Altman Z (solvency) | 2.86 | 2.07 |
| Piotroski F (quality) | 8 / 9 | 5 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.