Experian plc (ADR) (EXPGY)
OTHER OTC:EXPGY
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Experian
(OTC:EXPGY)
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Rating:69Neutral
Price Target:
$41.00
â–¼(-13.15% Downside)
Action:Reiterated
Date: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
Cash Flow Strength
Consistent operating cash flow and rising free cash flow give Experian durable financial flexibility to fund organic investment, cloud/AI product rollout, dividends and M&A without stressing liquidity. This underpins sustained investment in high-margin analytics and recurring revenue streams.
Negative Factors
Latin America Macro Pressure
Persistent macro stress in Brazil and broader Latin America can structurally depress credit-related volumes and consumer-facing subscription uptake. Over the medium term this reduces addressable demand for credit checks and consumer services, pressuring revenue and credit-analytics growth in the region.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash Flow Strength
Consistent operating cash flow and rising free cash flow give Experian durable financial flexibility to fund organic investment, cloud/AI product rollout, dividends and M&A without stressing liquidity. This underpins sustained investment in high-margin analytics and recurring revenue streams.
Read all positive factors
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 (EXPGY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$31.61B
Dividend Yield1.34%
Average Volume (3M)38.67K
Price to Earnings (P/E)15.3
Beta (1Y)1.00
Revenue Growth8.93%
EPS Growth15.25%
CountryUS
Employees22,500
SectorIndustrials
Sector Strength72
IndustryConsulting Services
Share Statistics
EPS (TTM)1.49
Shares Outstanding897,918,500
10 Day Avg. Volume10,403
30 Day Avg. Volume38,675
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 Cap1.12
Enterprise Value/Revenue4.45
Enterprise Value/Gross Profit11.48
Enterprise Value/Ebitda12.44
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.01
Revenue Forecast (FY)$9.17B
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 Earnings Call Summary
Earnings Call Date:May 20, 2026
(Q4-2026)
| % Change Since: |
Next Earnings Date:Nov 18, 2026
Earnings Call Sentiment Positive
The call emphasizes a strong, record financial year with broad-based revenue growth, margin expansion, robust cash generation, significant strategic progress on cloud migration, AI initiatives and platform adoption, and active capital returns. Near-term headwinds include the wind-down of legacy data breach contracts, mortgage volume sensitivity, short-term acquisition and transition-related margin pressures, and some regional B2B softness. Overall, positives around execution, AI-led TAM expansion, platform momentum and capital discipline materially outweigh the manageable challenges highlighted.Positive Updates
Record Financial Performance
FY'26 was a record year: revenue from ongoing activities up 13% at actual rates (11% constant) with organic revenue growth of 8% for the year (9% in Q4). Benchmark EBIT grew 15% (13% constant) to over $2.4bn and Benchmark EPS rose 15% (13% constant).
Negative Updates
Data Breach Contract Wind-Down and Partner Solutions Volatility
Two large long-term data breach contracts are rolling off, creating near-term volatility in Partner Solutions. The contracts represented around $20m of quarterly revenue, with approximately half dropping out in Q4 and the remainder reducing in early FY'27; Partner Solutions was modestly down for the year.
Read all updates
Q4-2026 Updates
Positive
Negative
Record Financial Performance
FY'26 was a record year: revenue from ongoing activities up 13% at actual rates (11% constant) with organic revenue growth of 8% for the year (9% in Q4). Benchmark EBIT grew 15% (13% constant) to over $2.4bn and Benchmark EPS rose 15% (13% constant).
Read all positive updates
Company Guidance
Experian guided FY'27 to total reported revenue growth of 8–11% (organic 6–8%, with completed acquisitions contributing ~1 percentage point) and another year of double‑digit Benchmark EPS growth, with Benchmark EBIT margin progression of ~50 basis points at constant exchange rates. Management expects foreign‑exchange to be a 1–2% benefit to revenue and EBIT, net interest of $250–260m, a Benchmark tax rate of ~26%, CapEx of about 8% of revenue, and Benchmark operating cash‑flow conversion above 90%. Weighted average number of shares is expected to be 880–885m during the year with a closing share count around 870m as the company executes a further $1bn buyback (adding to $1bn announced in January); guidance starts around the middle of the ranges and reflects headwinds from FICO mortgage royalties and the wind‑down of two large breach contracts.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
Positive
47.21
Price Trends
36.01
Positive
37.66
Negative
42.76
Negative
Market Momentum
-0.28
Positive
51.55
Neutral
54.53
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EXPGY, the sentiment is Positive. The current price of 47.21 is above the 20-day moving average (MA) of 36.30, above the 50-day MA of 36.01, and above the 200-day MA of 42.76, indicating a neutral trend. The MACD of -0.28 indicates Positive momentum. The RSI at 51.55 is Neutral, neither overbought nor oversold. The STOCH value of 54.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 | $31.61B | 15.29 | 26.35% | 1.34% | 8.93% | 15.25% | |
68 Neutral | $13.29B | 8.39 | 15.50% | 0.53% | 10.99% | 93.17% | |
65 Neutral | $19.63B | 31.50 | 14.57% | 0.86% | 9.55% | 15.79% | |
64 Neutral | $22.36B | 27.35 | -2137.87% | 0.82% | 5.86% | -4.09% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% |
* Industrials Sector Average
EXPGY
Experian
35.34
-16.17
-31.39%
EFX
Equifax
164.86
-91.35
-35.65%
VRSK
Verisk Analytics
170.66
-139.26
-44.93%
TRU
TransUnion
68.93
-13.02
-15.89%
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.