Experian plc (ADR) (EXPGY)
OTHER OTC:EXPGY
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Experian
(OTC:EXPGY)
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Rating:69Neutral
Price Target:
$38.00
â–¼(-19.51% Downside)
Action:ReiteratedDate:11/13/25
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
Large recurring consumer base
A 208M+ free member base and 9% growth in Consumer Services underpins a durable subscription funnel and cross-sell runway. This scale provides predictable recurring revenue, broadens direct consumer touchpoints for new products, and strengthens long-term monetization and retention potential.
Negative Factors
Latin America macro constraints
Persistent high rates and consumer indebtedness in key Latin American markets will likely depress credit activity and demand for lending-related services over months. This structural macro weakness can limit volumes, slow revenue recovery, and reduce near-to-medium term growth contribution from the region.
Read all positive and negative factors
Positive Factors
Negative Factors
Large recurring consumer base
A 208M+ free member base and 9% growth in Consumer Services underpins a durable subscription funnel and cross-sell runway. This scale provides predictable recurring revenue, broadens direct consumer touchpoints for new products, and strengthens long-term monetization and retention potential.
Read all positive factors
Experian (EXPGY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$30.80B
Dividend Yield1.34%
Average Volume (3M)57.18K
Price to Earnings (P/E)15.3
Beta (1Y)1.00
Revenue Growth8.98%
EPS Growth15.29%
CountryUS
Employees22,500
SectorIndustrials
Sector Strength72
IndustryConsulting Services
Share Statistics
EPS (TTM)0.85
Shares Outstanding902,381,040
10 Day Avg. Volume79,728
30 Day Avg. Volume57,181
Financial Highlights & Ratios
PEG Ratio-15.88
Price to Book (P/B)8.39
Price to Sales (P/S)5.64
P/FCF Ratio31.32
Enterprise Value/Market Cap1.13
Enterprise Value/Revenue4.36
Enterprise Value/Gross Profit11.24
Enterprise Value/Ebitda12.19
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2
Revenue Forecast (FY)$9.14B
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 t...
How the Company Makes Money
Experian makes money by selling data-driven services and software that support credit risk decisions, fraud prevention, and customer acquisition, alongside subscription-style consumer products.
Key revenue streams commonly described for Experian ...
Experian Key Performance Indicators (KPIs)
Any
Revenue by Segment
Analyzes revenue from different business segments, highlighting which areas drive growth and profitability, and indicating strategic focus or potential vulnerabilities.
Analyzes revenue from different business segments, highlighting which areas drive growth and profitability, and indicating strategic focus or potential vulnerabilities.
Data provided by:
The Fly
The FlyExperian Earnings Call Summary
Earnings Call Date:Nov 12, 2025
(Q2-2026)
| % Change Since: |
Next Earnings Date:May 20, 2026
Earnings Call Sentiment Positive
The earnings call reflects a strong first half performance with significant revenue growth and strategic advancements in AI and cloud computing. While there are challenges in Latin America and modest growth in the UK&I, these are offset by strong results in North America and Consumer Services, along with a raised dividend.Positive Updates
Strong Revenue Growth
Organic revenue growth accelerated from 8% in Q1 to 9% in Q2, averaging 8% for the first half. Total constant currency revenue growth reached 12% including acquisitions.
Negative Updates
Challenges in Latin America
Fiscal conditions in Latin America, particularly Brazil, remain constrained by high interest rates and consumer indebtedness.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Revenue Growth
Organic revenue growth accelerated from 8% in Q1 to 9% in Q2, averaging 8% for the first half. Total constant currency revenue growth reached 12% including acquisitions.
Read all positive updates
Company Guidance
In the recent conference call, Experian provided comprehensive guidance for the first half of fiscal year 2026, reporting strong financial performance and strategic progress. The company achieved organic revenue growth of 8%, with an acceleration from 8% in Q1 to 9% in Q2, and total constant currency revenue growth of 12% when including acquisitions. North America saw robust organic growth of 12% in Q2, while EMEA and Asia Pacific delivered mid-single-digit growth. The EBIT margin improved by 50 basis points at constant currency, translating into double-digit benchmark EPS growth, and an interim dividend was raised by 10%. The leverage ratio was reported at 1.8x, indicating strong cash flow growth. Experian highlighted the successful adoption of its Ascend platform and noted significant client demand for new cash flow attributes and analytics in North America. The company is well-positioned for future growth, leveraging AI advancements and cloud migrations, and remains on track to meet its medium-term financial objectives.Experian Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 7.98B | 7.52B | 7.10B | 6.62B | 6.29B | 5.37B |
| Gross Profit | 3.09B | 3.60B | 3.42B | 3.17B | 2.98B | 2.52B |
| EBITDA | 2.85B | 2.48B | 2.42B | 1.98B | 2.23B | 1.80B |
| Net Income | 1.37B | 1.17B | 1.20B | 770.00M | 1.17B | 803.00M |
Balance Sheet | ||||||
| Total Assets | 13.58B | 12.89B | 11.71B | 10.86B | 10.89B | 10.07B |
| Cash, Cash Equivalents and Short-Term Investments | 363.00M | 390.00M | 321.00M | 209.00M | 186.00M | 200.00M |
| Total Debt | 5.63B | 5.02B | 4.27B | 4.10B | 4.10B | 4.34B |
| Total Liabilities | 8.14B | 7.80B | 7.04B | 6.90B | 6.89B | 6.95B |
| Stockholders Equity | 5.40B | 5.05B | 4.63B | 3.93B | 3.97B | 3.08B |
Cash Flow | ||||||
| Free Cash Flow | 2.08B | 1.35B | 1.11B | 1.09B | 1.29B | 1.07B |
| Operating Cash Flow | 2.13B | 2.00B | 1.75B | 1.72B | 1.80B | 1.49B |
| Investing Cash Flow | -1.41B | -1.85B | -1.10B | -948.00M | -1.12B | -827.00M |
| Financing Cash Flow | -674.03M | -62.00M | -551.00M | -722.00M | -687.00M | -747.00M |
Experian Technical Analysis
Negative
47.21
Price Trends
35.83
Negative
40.14
Negative
45.35
Negative
Market Momentum
-0.67
Positive
42.83
Neutral
63.39
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 47.21 is above the 20-day moving average (MA) of 35.59, above the 50-day MA of 35.83, and above the 200-day MA of 45.35, indicating a bearish trend. The MACD of -0.67 indicates Positive momentum. The RSI at 42.83 is Neutral, neither overbought nor oversold. The STOCH value of 63.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EXPGY.
Experian Peers Comparison
UnderperformOutperform
Sector (63)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | $30.80B | 15.29 | 26.35% | 1.34% | 8.98% | 15.29% | |
67 Neutral | $21.90B | 40.48 | 13.46% | 0.86% | 6.35% | 16.91% | |
64 Neutral | $13.28B | 36.60 | 10.23% | 0.53% | 8.30% | 86.97% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% | |
62 Neutral | $25.48B | 34.24 | 324.28% | 0.82% | 7.30% | 2.03% |
* Industrials Sector Average
EXPGY
Experian
34.31
-4.63
-11.90%
EFX
Equifax
182.07
-24.75
-11.97%
VRSK
Verisk Analytics
184.71
-91.23
-33.06%
TRU
TransUnion
68.97
-1.26
-1.79%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.