Experian (EXPGY) AI Stock Analysis

• Market Cap: $46.86B
• Dividend Yield: 1.19%
• Average Volume (3M): 6.48K
• Price to Earnings (P/E): 41.0
• Beta (1Y): 1.22
• Revenue Growth: 5.66%
• EPS Growth: -3.18%
• Country: US
• Employees: 22,500
• Sector: Industrials
• Sector Strength: 79
• Industry: Consulting Services
• EPS (TTM): 0.80
• Shares Outstanding: 917,749,760
• 10 Day Avg. Volume: 9,596
• 30 Day Avg. Volume: 6,479
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.01
• Enterprise Value/Revenue: 6.27
• Enterprise Value/Gross Profit: 15.32
• Enterprise Value/Ebitda: 18.26
• 1Y Price Target: $56.00
• Price Target Upside: 9.12% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 69 Neutral
• Price Target: $56.00 ▲(9.12% Upside)

Experian's overall stock score reflects strong financial performance and long-term technical strength, offset by mixed short-term technical signals and potential overvaluation concerns. The company's robust revenue growth and efficient cost management are significant strengths, while the high P/E ratio and modest dividend yield suggest caution regarding valuation.

Experian Business Overview & Revenue Model

Company Description

Experian plc, together with its subsidiaries, operates as a technology company. The company operates through two segments, Business-to-Business and Consumer Services. It provides data services to identify and understand the customers, as well as to manage the risks related with lending. The company also offers analytical and decision tools that enhance businesses to manage their customers, minimize the risk of fraud, comply with legal requirements, and automate decisions and processes. In addition, it provides financial education, free access to Experian credit reports and scores, online educational tools, and applications to manage their financial position, access credit offers, and protect themselves from identity fraud. The company serves customers in financial service, direct-to-consumer, health, retail, automotive, software and professional services, telecommunications and utility, insurance, media and technology, government and public, and other sectors. It operates in North America, Latin America, the United Kingdom, Ireland, Europe, the Middle East, Africa, and the Asia Pacific. The company was formerly known as Experian Group Limited and changed its name to Experian plc in July 2008. Experian plc was founded in 1826 and is headquartered in Dublin, Ireland.

How the Company Makes Money

Experian generates revenue through multiple streams, primarily from its Credit Services, Decision Analytics, Marketing Services, and Consumer Services segments. The Credit Services segment earns income from providing credit information and related services to businesses and lenders, which rely on Experian's data to make informed lending decisions. Decision Analytics includes services that utilize data and analytics to develop risk management and fraud prevention solutions, often charged on a subscription basis or through usage fees. Marketing Services offers data-driven marketing solutions, enabling businesses to target potential customers effectively, generating revenue through fees for data access and analytics. Lastly, Consumer Services provides products directly to individuals, such as credit monitoring and identity theft protection, typically on a subscription model. Additionally, Experian benefits from partnerships with financial institutions and technology companies, enhancing its data offerings and expanding its customer base, which further contributes to its revenue growth.

Experian Financial Statement Overview

Summary

Experian exhibits strong financial health with consistent revenue growth and efficient cost management, leading to solid profitability metrics. The balance sheet is robust, though there is room for optimizing asset efficiency. Cash flow remains strong, supporting the company's investment capabilities and financial flexibility.

Income Statement

Experian's income statement shows a strong performance with consistent revenue growth over the years. The gross profit margin remains healthy, and the company has shown a steady increase in EBIT and EBITDA margins. The net profit margin is solid, indicating efficient cost management. However, there was a slight dip in net income in the latest year, which could be a result of increased operational costs.

Balance Sheet

The balance sheet shows a strong equity base with a healthy debt-to-equity ratio, indicating prudent financial leverage. The return on equity is robust, reflecting effective utilization of shareholders' funds. However, the equity ratio has room for improvement, suggesting potential for optimizing asset utilization.

Cash Flow

Experian's cash flow statement indicates strong operating cash flow generation, with a positive trend in free cash flow growth. The operating cash flow to net income ratio is favorable, reflecting efficient conversion of revenue into cash. However, there have been fluctuations in investing and financing cash flows, which could indicate strategic investments or changes in financial management strategies.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	7.52B	7.10B	6.62B	6.29B	5.37B
Gross Profit	3.60B	3.42B	3.17B	2.98B	2.52B
EBITDA	2.48B	2.40B	1.98B	2.25B	1.77B
Net Income	1.17B	1.20B	770.00M	1.17B	803.00M
Balance Sheet
Total Assets	12.89B	11.71B	10.86B	10.89B	10.07B
Cash, Cash Equivalents and Short-Term Investments	390.00M	315.00M	209.00M	186.00M	200.00M
Total Debt	5.02B	4.27B	4.10B	4.10B	4.34B
Total Liabilities	7.80B	7.04B	6.90B	6.89B	6.95B
Stockholders Equity	5.05B	4.63B	3.93B	3.97B	3.08B
Cash Flow
Free Cash Flow	1.35B	1.11B	1.09B	1.29B	1.07B
Operating Cash Flow	2.00B	1.75B	1.72B	1.80B	1.49B
Investing Cash Flow	-1.85B	-1.10B	-948.00M	-1.12B	-827.00M
Financing Cash Flow	-62.00M	-551.00M	-722.00M	-687.00M	-747.00M

Experian Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 51.32
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EXPGY, the sentiment is Negative. The current price of 51.32 is below the 20-day moving average (MA) of 51.72, below the 50-day MA of 52.32, and above the 200-day MA of 48.36, indicating a neutral trend. The MACD of -0.16 indicates Negative momentum. The RSI at 45.04 is Neutral, neither overbought nor oversold. The STOCH value of 56.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EXPGY.

Experian Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TRU	72 Outperform	$17.35B	45.02	9.06%	0.51%	9.34%	―
EFX	71 Outperform	$30.65B	49.04	13.06%	0.68%	6.86%	9.10%
VRSK	69 Neutral	$37.49B	41.19	245.09%	0.63%	7.60%	5.28%
EXPGY	69 Neutral	$46.86B	41.00	24.03%	1.19%	5.66%	-3.18%
Sector *	64 Neutral	$10.95B	16.10	8.81%	1.99%	2.59%	-16.41%