Experian (EXPGY) AI Stock Analysis

• Market Cap: $47.14B
• Dividend Yield: 1.13%
• Average Volume (3M): 7.63K
• Price to Earnings (P/E): 40.2
• Beta (1Y): 1.27
• Revenue Growth: 6.52%
• EPS Growth: -2.38%
• Country: US
• Employees: 22,500
• Sector: Industrials
• Sector Strength: 84
• Industry: Consulting Services
• EPS (TTM): 0.80
• Shares Outstanding: 918,566,350
• 10 Day Avg. Volume: 3,156
• 30 Day Avg. Volume: 7,635
• 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: 1.00
• Enterprise Value/Revenue: 6.27
• Enterprise Value/Gross Profit: 15.32
• Enterprise Value/Ebitda: 18.26
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: $59.00 ▲(13.27% Upside)

Experian's overall score reflects its strong financial performance and positive technical indicators. The high P/E ratio suggests a premium valuation, which is balanced by consistent growth and profitability. While technical signals are generally positive, the stock's close proximity to overbought territory could pose a risk to short-term momentum.

Experian Business Overview & Revenue Model

Company Description

Experian plc is a global information services company that operates across various sectors, primarily focusing on consumer credit reporting and marketing services. Headquartered in Dublin, Ireland, Experian provides data and analytical tools to clients worldwide, helping businesses manage credit risk, prevent fraud, target marketing offers, and automate decision-making processes. The company also offers direct-to-consumer services, enabling individuals to manage their credit ratings and protect against identity theft.

How the Company Makes Money

Experian makes money through a diverse range of revenue streams primarily derived from its core business segments: Credit Services, Decision Analytics, Marketing Services, and Consumer Services. In Credit Services, Experian generates revenue by providing credit reports and scores to businesses, such as banks and financial institutions, enabling them to assess consumer creditworthiness. Decision Analytics involves selling analytical tools and software that help businesses manage risk and automate decision-making processes. Marketing Services generates income by offering data-driven marketing solutions to help businesses target and engage customers more effectively. Consumer Services is a significant revenue stream, as Experian offers credit monitoring and identity protection products directly to consumers. Additionally, Experian benefits from strategic partnerships and collaborations with various industries, including financial services, telecommunications, and retail, further enhancing its revenue-generating capabilities.

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: Neutral
• Last Price: 52.09
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EXPGY, the sentiment is Neutral. The current price of 52.09 is below the 20-day moving average (MA) of 53.30, above the 50-day MA of 51.92, and above the 200-day MA of 48.21, indicating a neutral trend. The MACD of 0.06 indicates Positive momentum. The RSI at 39.71 is Neutral, neither overbought nor oversold. The STOCH value of 1.58 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for EXPGY.

Experian Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TRU	75 Outperform	$17.74B	45.83	9.06%	0.48%	9.34%	―
EXPGY	74 Outperform	$47.14B	40.20	24.24%	1.13%	6.52%	-2.38%
EFX	70 Outperform	$29.73B	46.96	13.06%	0.70%	6.86%	9.10%
VRSK	64 Neutral	$36.99B	40.83	245.09%	0.62%	7.60%	5.28%
Sector *	63 Neutral	$10.64B	16.04	5.48%	2.12%	2.73%	-23.95%