Experian (EXPGY) AI Stock Analysis

• Market Cap: $40.50B
• Dividend Yield: 1.38%
• Average Volume (3M): 7.49K
• Price to Earnings (P/E): 29.7
• Beta (1Y): 1.00
• Revenue Growth: 8.98%
• EPS Growth: 15.29%
• Country: US
• Employees: 22,500
• Sector: Industrials
• Sector Strength: 72
• Industry: Consulting Services
• EPS (TTM): 0.85
• Shares Outstanding: 917,534,400
• 10 Day Avg. Volume: 22,479
• 30 Day Avg. Volume: 7,493
• PEG Ratio: -15.88
• Price to Book (P/B): 8.39
• Price to Sales (P/S): 5.64
• P/FCF Ratio: 31.32
• Enterprise Value/Market Cap: 1.27
• Enterprise Value/Revenue: 6.83
• Enterprise Value/Gross Profit: 16.69
• Enterprise Value/Ebitda: 19.88
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 1.76
• Revenue Forecast (FY): $8.41B

• Rating: 69 Neutral
• Price Target: $50.00 ▲(5.91% Upside)

Experian's overall stock score is driven by strong financial performance and positive earnings call sentiment, highlighting robust growth and strategic advancements. However, technical analysis indicates bearish momentum, and the valuation appears stretched, limiting upside potential. The company's challenges in certain regions also weigh on the score.

Positive Factors

Strong Revenue Growth

Experian's consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability and expansion.

AI and Cloud Advancements

Investments in AI and cloud technologies enhance Experian's competitive edge, improving service delivery and operational efficiency, which are crucial for future growth.

KYC360 Acquisition

The acquisition of KYC360 strengthens Experian's compliance capabilities, expanding its service offerings and reinforcing its position in the financial services industry.

Negative Factors

Challenges in Latin America

Economic challenges in Latin America, such as high interest rates, may hinder Experian's growth potential in the region, impacting overall revenue diversification.

UK&I Low Growth

Low growth in the UK&I region suggests potential market saturation or competitive pressures, which could limit Experian's expansion opportunities in this key market.

FICO Competition

FICO's new program poses a competitive threat to Experian, potentially reducing its market share in the mortgage credit scoring industry and impacting long-term revenue.

Experian Business Overview & Revenue Model

Company Description

Experian (EXPGY) is a global leader in information services, providing data and analytical tools to clients in various sectors including finance, retail, and healthcare. The company specializes in credit reporting, risk management, and marketing services, helping businesses manage risk, make informed decisions, and improve customer relationships. Experian operates through several segments, including Credit Services, Decision Analytics, Marketing Services, and Consumer Services, offering a range of products from credit reports and scores to data-driven marketing solutions.

How the Company Makes Money

Experian generates revenue primarily through its diverse set of services across its different business segments. The Credit Services segment, which includes credit reporting and score services, is one of the largest revenue contributors, charging clients for access to consumer credit data and insights. Decision Analytics offers risk modeling and consulting services, enabling businesses to make informed credit and lending decisions, while Marketing Services provides data-driven marketing solutions to help clients optimize their marketing strategies. Additionally, the Consumer Services segment generates revenue through direct-to-consumer products, including credit monitoring and identity theft protection services. Experian also benefits from partnerships with major financial institutions and other enterprises that rely on its data and analytics for operational efficiency and risk management.

Experian Financial Statement Overview

Summary

Experian demonstrates strong financial health with consistent revenue growth and efficient cost management leading to solid profitability metrics. The company maintains a balanced approach to leveraging and equity utilization, although 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	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	7.52B	7.52B	7.10B	6.62B	6.29B	5.37B
Gross Profit	3.08B	3.60B	3.42B	3.17B	2.98B	2.52B
EBITDA	2.58B	2.48B	2.42B	1.98B	2.23B	1.80B
Net Income	1.17B	1.17B	1.20B	770.00M	1.17B	803.00M
Balance Sheet
Total Assets	12.89B	12.89B	11.71B	10.86B	10.89B	10.07B
Cash, Cash Equivalents and Short-Term Investments	390.00M	390.00M	321.00M	209.00M	186.00M	200.00M
Total Debt	5.02B	5.02B	4.27B	4.10B	4.10B	4.34B
Total Liabilities	7.80B	7.80B	7.04B	6.90B	6.89B	6.95B
Stockholders Equity	5.05B	5.05B	4.63B	3.93B	3.97B	3.08B
Cash Flow
Free Cash Flow	1.96B	1.35B	1.11B	1.09B	1.29B	1.07B
Operating Cash Flow	2.00B	2.00B	1.75B	1.72B	1.80B	1.49B
Investing Cash Flow	-1.85B	-1.85B	-1.10B	-948.00M	-1.12B	-827.00M
Financing Cash Flow	-62.00M	-62.00M	-551.00M	-722.00M	-687.00M	-747.00M

Experian Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 47.21
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 47.21 is above the 20-day moving average (MA) of 43.95, above the 50-day MA of 46.19, and below the 200-day MA of 48.92, indicating a neutral trend. The MACD of -0.68 indicates Negative momentum. The RSI at 46.47 is Neutral, neither overbought nor oversold. The STOCH value of 91.92 is Negative, 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	74 Outperform	$16.40B	39.62	9.68%	0.54%	8.30%	86.97%
EFX	71 Outperform	$25.89B	40.09	13.38%	0.89%	6.35%	16.91%
VRSK	71 Outperform	$30.83B	33.77	270.50%	0.79%	7.30%	2.03%
EXPGY	69 Neutral	$40.50B	29.72	26.90%	1.38%	8.98%	15.29%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%