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Services-Consumer Credit Reporting, Collection Agencies: capital spending and supply chain

SIC 7320 · 4 companies with filed cash-flow statements

Capital spending, 12 months$1.2B
Operating cash flow$6.2B
Capex / cash flow19%
Capex / revenue3.2%
Top 3 share100%

Analysis

4 companies in Services-Consumer Credit Reporting, Collection Agencies (SIC 7320) spent $1.2B on capital projects over their latest twelve months, 19% of the $6.2B their operations generated; the three largest spenders — EFX, MCO, TRU — account for 100%.

Capital spending is 3.2% of the industry's $35.7B of annual revenue.

By the industry's asset mix most of it goes to software (52%); about $228M is imported.

The largest supplier of that spending is software publishers ($269M).

Its largest supplying industries, by the input-output tables: other real estate ($897M), employment services ($892M), imports ($485M).

Charts

Services-Consumer Credit Reporting, Collection Agencies: capital spending by company, latest twelve monthsServices-Consumer Credit Reporting, Collection Agencies: capital spending by company, latest twelve monthsEFX$509MMCO$352MTRU$298MCRMZ$135K
Filed cash-flow statements (SEC XBRL).
Services-Consumer Credit Reporting, Collection Agencies: what the capital spending buys (US part)Services-Consumer Credit Reporting, Collection Agencies: what the capital spending buys (US part)Structures$74.1MEquipment$295MSoftware$499MOther$84.4M
Capital spending × the industry’s asset mix (BEA fixed assets): grade C, an industry average applied to filed figures.
Services-Consumer Credit Reporting, Collection Agencies: the industries that build and sell what it buysServices-Consumer Credit Reporting, Collection Agencies: the industries that build and sell what it buysSoftware publishers$269MLight truck and utility vehicle m…$113MComputer systems design services$110MCustom computer programming servi…$98.9MOffice and commercial structures$52.6MOther commercial and service indu…$33.0MSurgical and medical instrument m…$17.3MOffice furniture and custom archi…$16.0MData processing, hosting, and rel…$15.3MConstruction machinery manufactur…$13.0M
BEA fixed assets: investment by asset type → supplying industry. Estimates (grade C).
Services-Consumer Credit Reporting, Collection Agencies: its first-tier supplying industriesServices-Consumer Credit Reporting, Collection Agencies: its first-tier supplying industriesOther real estate$897MEmployment services$892MImports$485MInternet publishing and broadcast…$473MComputer systems design services$434MManagement of companies and enter…$337MManagement consulting services$287MLegal services$284MWireless telecommunications carri…$261MWarehousing and storage$242M
Purchased inputs × the industry’s input mix (BEA Use table), US part: grade C.
Services-Consumer Credit Reporting, Collection Agencies: where the industry's cash came from (+) and went (−)Services-Consumer Credit Reporting, Collection Agencies: where the industry's cash came from (+) and went (−)Operating cash flow$11.8BBuybacks−$9.5BAcquisitions−$2.6BDividends−$2.2BNet borrowing$2.1BSales of assets & businesses$1.6BCapital spending−$1.4BCash drawn from the balance s…$668MPaid to partners−$348MOther investing (in)$281MOther financing (out)−$273MOther financing (in)$266MCash added to the balance she…−$220MOther investing (out)−$109M
The companies’ cash-flow statements, latest four quarters or fiscal year: every figure filed (grade A).

Capital spending by company

CompanyCapital spendingOperating cash flowCapex / OCFPeriod
EFX Equifax$509M$1.6B32%TTM to Q3 2026
MCO Moody's$352M$3.3B11%TTM to Q3 2026
TRU TransUnion$298M$1.2B25%TTM to Q3 2026
CRMZ Creditriskmonitor$135K$767K18%TTM to Q2 2026

Customers and suppliers named in annual reports

SupplierCustomerShare of supplier revenueEvidenceSource
SPGIGNTX—Stated in 10-K (named, share not stated)filing
SPGIALV—Stated in 10-K (named, share not stated)filing
SPGIUVE—Stated in 10-K (named, share not stated)filing

The interactive money flow: switch views, follow each dollar →

Evidence grades: A filed figure · B computed from filed figures · C industry average (BEA input-output and fixed-asset tables) applied to filed figures. Estimates are not the companies’ own records. Not investment advice.