AI Credit Planner Launch Amid Rising Borrower Stress Could Be A Game Changer For Equifax (EFX)

• In February 2026, Equifax launched Optimal Path, an AI-powered, interactive credit score planner that provides U.S. consumers with personalized, evolving 30-day action plans via the free myEquifax mobile app, integrating directly with their Equifax credit profiles.
• Alongside this product rollout, fresh Equifax credit data underscored widening financial stress for younger and highly leveraged borrowers, reinforcing the importance of real-time, personalized credit tools and positioning Equifax’s consumer-facing analytics as more integral to everyday financial decisions.
• We’ll now examine how the launch of Optimal Path’s AI-driven credit planner could influence Equifax’s investment narrative and growth drivers.

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Equifax Investment Narrative Recap

To own Equifax, you need to believe its data, analytics and AI platforms can keep deepening their role in lending and consumer finance, despite litigation, regulation and competition. The Optimal Path launch supports the near term product innovation catalyst by showcasing practical EFX.AI use cases on the consumer side, but it does not materially change the biggest risk right now, which remains the drag from elevated legal and compliance costs on margins.

The most relevant recent announcement alongside Optimal Path is Equifax’s Q4 2025 result, showing full year revenue of US$6,074.5 million and net income of US$660.3 million. Together, growing AI powered product offerings and a largely completed cloud transformation sit at the heart of the narrative that Equifax’s technology investments can widen its data moat and support more scalable earnings over time.

Yet even as Equifax leans into AI and cloud, investors should be aware that growing regulatory and data privacy scrutiny could…

Read the full narrative on Equifax (it’s free!)

Equifax’s narrative projects $7.8 billion revenue and $1.3 billion earnings by 2028. This requires 9.9% yearly revenue growth and a roughly $660 million earnings increase from $639.7 million today.

Uncover how Equifax’s forecasts yield a $238.55 fair value, a 23% upside to its current price.

Exploring Other Perspectives

Six members of the Simply Wall St Community currently see Equifax’s fair value between US$237.35 and US$413.81, highlighting very different expectations. Against this backdrop, the risk that rising regulatory and privacy costs constrain Equifax’s ability to fully monetize its data assets could be a key swing factor for future performance and is worth comparing across those viewpoints.

Explore 6 other fair value estimates on Equifax – why the stock might be worth over 2x more than the current price!