Experian (EXPGY) AI Stock Analysis

• Market Cap: $32.77B
• Dividend Yield: 1.34%
• Average Volume (3M): 111.27K
• Price to Earnings (P/E): 15.3
• Beta (1Y): 0.99
• 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: 907,780,000
• 10 Day Avg. Volume: 64,767
• 30 Day Avg. Volume: 111,265
• 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: 1.12
• Enterprise Value/Revenue: 4.59
• Enterprise Value/Gross Profit: 11.84
• Enterprise Value/Ebitda: 12.84
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 1.77
• Revenue Forecast (FY): $8.44B

• Rating: 69 Neutral
• Price Target: $40.00 ▼(-15.27% Downside)
• Action: Reiterated Date: 11/13/25
• Date: Action: Reiterated 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

Operating cash flow strength

Experian converts revenue into cash efficiently, showing a positive free cash flow trend. Durable operating cash generation supports ongoing investment in AI/cloud, funds dividends and acquisitions, and provides financial flexibility to absorb cyclical credit-volume swings without pressuring operations.

Consistent revenue and margin expansion

The company delivers repeatable revenue growth and steady margin improvement, reflecting scalable data-and-software economics. Persistent EBIT/EBITDA expansion indicates structural operating leverage in analytics and subscription products, supporting reinvestment and long-term profit resilience across cycles.

Product leadership & US growth momentum

Strong adoption of Ascend, AI-led features and cloud migrations is driving durable client wins in North America and expanding consumer reach. High free-member scale and platform traction create network effects, recurring revenues, and long-term cross-sell opportunities across fraud, credit and marketing segments.

Negative Factors

Latin America macro weakness

Sustained macro strain in Latin America can reduce loan origination and credit-check volumes, pressuring B2B demand and consumer product uptake. Prolonged local high rates and indebtedness create durable headwinds for revenue and credit-data usage in a material regional footprint.

Acquisition integration hurts margins

Margin contraction tied to integration indicates realization risk from M&A. If integrations require extended investment or fail to deliver synergies quickly, margin recovery may be slow, creating persistent drag on consolidated profitability until efficiency gains are captured.

Slower growth in UK&I core market

Weak single-digit growth in a core mature market suggests limited near-term upside from the UK&I base. Structural market saturation or competitive pressure in that region could cap expansion and increases reliance on faster-growth geographies to meet overall targets.

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 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 include: 1) Credit information (B2B): Experian licenses access to credit bureau databases and delivers credit reports/scores and related attributes to lenders and other businesses. Revenue is typically generated on a per-inquiry/per-transaction basis (e.g., when a lender pulls a credit file) and/or via contractual data access arrangements. 2) Decision analytics (B2B software/data): Experian sells analytics capabilities used in credit underwriting, risk management, collections, and fraud/identity verification. Monetization generally comes from software licensing (including hosted/SaaS arrangements), usage-based fees (e.g., per decision/verification), and professional services tied to implementation and model/strategy development. 3) Marketing services / data-driven customer acquisition (B2B): Experian provides datasets, segmentation, measurement, and identity/addressability services that help clients find and communicate with customers. Revenue is earned through data licensing, campaign-related services, and platform/solution fees. 4) Consumer services (B2C): Experian offers consumers access to credit monitoring, credit scores/reports, identity protection, and related services. This segment is typically monetized through recurring subscriptions, product tiers, and other consumer transactions. 5) Fraud and identity solutions: Across both B2B and B2C offerings, Experian earns fees for identity verification, fraud detection, and authentication services. Pricing is commonly usage-based (per check/verification) and/or subscription/contract based depending on the product. Important factors that can influence earnings include overall credit market activity (which affects the volume of lender credit checks), long-term contracts with financial institutions and other enterprise customers, and regulatory/data privacy requirements that shape how credit and identity data can be collected and used. Specific partnership details or customer concentration information is null.

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	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

• Technical Analysis Sentiment: Negative
• Last Price: 47.21
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 47.21 is above the 20-day moving average (MA) of 35.81, above the 50-day MA of 38.80, and above the 200-day MA of 46.47, indicating a neutral trend. The MACD of -0.15 indicates Negative momentum. The RSI at 49.67 is Neutral, neither overbought nor oversold. The STOCH value of 70.89 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
EXPGY	69 Neutral	$32.77B	15.29	26.35%	1.34%	8.98%	15.29%
EFX	67 Neutral	$22.16B	40.48	13.46%	0.86%	6.35%	16.91%
TRU	64 Neutral	$13.47B	36.60	10.23%	0.53%	8.30%	86.97%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
VRSK	62 Neutral	$27.76B	34.24	324.28%	0.82%	7.30%	2.03%