Is Equifax, Inc. overvalued or undervalued?

As of 22 April 2025, Equifax, Inc. has moved from an expensive to a very expensive valuation grade. The company is currently overvalued, as indicated by its high P/E ratio of 79, a Price to Book Value of 10.31, and an EV to EBITDA of 31.47. These ratios significantly exceed those of its peers, such as Visa, Inc. with a P/E of 33.34 and an EV to EBITDA of 26.33, and PayPal Holdings, Inc. which has a much lower P/E of 16.85 and an EV to EBITDA of 11.45.
In comparison to its peers, Equifax's PEG ratio of 7.47 further highlights its overvaluation, especially when juxtaposed with Mastercard, Inc. at a PEG of 3.32. Additionally, the company's recent stock performance has lagged behind the S&P 500, with a 1-year return of 6.40% compared to the index's 10.26%, reinforcing the notion that the stock is not only overvalued but also underperforming relative to broader market trends.