Experian plc (EXPGF) (GB:EXPN)
:EXPN

Experian (EXPN) AI Stock Analysis

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Experian

(OTC:EXPN)

72Outperform
Experian shows strong financial performance with solid revenue growth and profitability. While the technical analysis indicates some caution with negative trends, the company's strategic initiatives, such as share buybacks and acquisitions, reflect confidence in future prospects. The high valuation is a concern, but overall, Experian is well-positioned to capitalize on its industry strengths.
Positive Factors
Management Update
Confident update from management highlights the breadth and diversification of the portfolio and ability to deliver mid to high single-digit organic growth even in tough credit conditions.
Partnerships
Great success with partnerships announced over last 18 months, with carriers seeing marketplace as a very effective and profitable customer acquisition channel.
Sales Pipeline
Good progress in sales pipeline suggests a strong finish for the year, with consistent growth and high margin providing a lot of opportunity for future growth.
Negative Factors
Data Breach
Business growth remains strong, but adjusting for the data breach is necessary due to an unusual number of breaches last year.
Organic Growth
Group organic growth in the second quarter was 7%, slightly below consensus expectations of 8%.

Experian (EXPN) vs. S&P 500 (SPY)

Experian Business Overview & Revenue Model

Company DescriptionExperian (EXPN) is a global information services company that specializes in providing data and analytical tools to clients around the world. The company operates in several sectors, including credit services, decision analytics, marketing services, and consumer services. Experian is known for its credit reporting services, offering insights into credit histories for individuals and businesses, and helping clients manage risk, prevent fraud, and automate decision making.
How the Company Makes MoneyExperian makes money through a diverse range of revenue streams centered around its data and analytical services. The primary sources of revenue include credit services, where the company charges fees for credit reports and scores provided to businesses and consumers. Decision analytics is another key revenue stream, offering software and analytical tools to help businesses manage risk and make informed decisions. Marketing services generate revenue by providing data-driven marketing solutions to help businesses reach and engage their target audiences. Consumer services, including monitoring and identity protection services, also contribute to the company's earnings. Experian's earnings are further bolstered by strategic partnerships with financial institutions, retailers, and other businesses that rely on its data and analytics to enhance their operations.

Experian Financial Statement Overview

Summary
Experian demonstrates a strong financial position with consistent revenue growth, robust profit margins, and effective use of capital. The company's balance sheet reflects a stable capital structure with a reasonable level of leverage. Cash flow generation is solid, supporting its profitability and growth strategy. Overall, Experian is well-positioned in its industry.
Income Statement
85
Very Positive
Experian has shown consistent revenue growth with a 7.2% increase from 2023 to 2024. The gross profit margin is strong at 48.1%, with a net profit margin improvement to 16.9% from 11.6% the previous year. EBIT and EBITDA margins are healthy at 23.9% and 34.1%, respectively, indicating efficient operations and robust profitability.
Balance Sheet
78
Positive
The company's debt-to-equity ratio is 0.92, reflecting a balanced leverage. Return on equity is impressive at 25.9%, indicating effective use of equity capital. Equity ratio stands at 39.6%, suggesting a solid capital structure with some reliance on debt.
Cash Flow
82
Very Positive
Free cash flow has grown modestly by 1.6%. The operating cash flow to net income ratio is strong at 1.46, and the free cash flow to net income ratio is 0.92, reflecting good cash generation relative to net income.
Breakdown
TTMMar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Income StatementTotal Revenue
9.14B7.10B6.62B6.29B5.37B5.18B
Gross Profit
4.00B3.42B3.17B2.98B2.52B2.55B
EBIT
2.23B1.69B1.26B1.42B1.18B1.19B
EBITDA
2.67B2.42B1.99B2.01B1.80B1.75B
Net Income Common Stockholders
1.50B1.20B770.00M1.17B803.00M675.00M
Balance SheetCash, Cash Equivalents and Short-Term Investments
312.00M312.00M209.00M186.00M200.00M294.00M
Total Assets
11.71B11.71B10.86B10.89B10.07B8.90B
Total Debt
4.27B4.27B4.10B4.10B4.34B4.41B
Net Debt
3.95B3.95B3.90B3.92B4.16B4.14B
Total Liabilities
7.04B7.04B6.90B6.89B6.95B6.62B
Stockholders Equity
4.63B4.63B3.93B3.97B3.08B2.27B
Cash FlowFree Cash Flow
2.31B1.11B1.09B1.29B1.07B769.00M
Operating Cash Flow
2.36B1.75B1.72B1.80B1.49B1.26B
Investing Cash Flow
-1.98B-1.10B-948.00M-1.12B-827.00M-1.18B
Financing Cash Flow
-258.50M-551.00M-722.00M-687.00M-747.00M61.00M

Experian Technical Analysis

Technical Analysis Sentiment
Negative
Last Price3246.00
Price Trends
50DMA
3740.26
Negative
100DMA
3679.21
Negative
200DMA
3691.47
Negative
Market Momentum
MACD
-39.08
Negative
RSI
46.26
Neutral
STOCH
67.97
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:EXPN, the sentiment is Negative. The current price of 3246 is below the 20-day moving average (MA) of 3548.35, below the 50-day MA of 3740.26, and below the 200-day MA of 3691.47, indicating a bearish trend. The MACD of -39.08 indicates Negative momentum. The RSI at 46.26 is Neutral, neither overbought nor oversold. The STOCH value of 67.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:EXPN.

Experian Peers Comparison

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
GBREL
81
Outperform
£70.37B36.8256.34%1.54%2.98%10.10%
72
Outperform
£29.61B31.8026.55%1.47%3.90%10.95%
GBRCH
67
Neutral
£214.69M4.018.15%10.76%-5.28%148.54%
62
Neutral
£748.53M10.477.06%0.48%-0.09%-29.06%
GBYOU
62
Neutral
£306.00M231.420.70%3.44%42.19%-94.16%
62
Neutral
$7.26B12.383.01%3.40%3.58%-14.13%
* Industrials Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:EXPN
Experian
3,246.00
-84.73
-2.54%
GB:FUTR
Future plc
703.00
23.04
3.39%
GB:YOU
Yougov plc
261.50
-669.50
-71.91%
GB:REL
RELX plc
3,816.00
574.93
17.74%
GB:RCH
Reach plc
68.20
-0.20
-0.29%

Experian Corporate Events

Delistings and Listing ChangesBusiness Operations and Strategy
Experian Announces Additional Listing of Shares on London Stock Exchange
Positive
Apr 2, 2025

Experian plc announced that it has applied for the admission of 50,000 ordinary shares to the Official List on the London Stock Exchange, expected to commence trading on April 4, 2025. These shares are part of a block listing reserved for the Experian Tax-Qualified Employee Share Purchase Plan in North America and will rank equally with existing shares. This move highlights Experian’s commitment to employee investment and could potentially enhance shareholder value.

Delistings and Listing ChangesM&A Transactions
Experian Completes Acquisition of ClearSale in Brazil
Positive
Apr 2, 2025

Experian has completed the acquisition of ClearSale, a leading digital fraud prevention provider in Brazil, marking a significant expansion in its fraud prevention capabilities. The acquisition will see ClearSale delisted from the Brazilian Stock Exchange, and Experian will issue Brazilian Depositary Receipts to fund the deal, enhancing its presence in the Brazilian market.

Regulatory Filings and Compliance
Experian Announces Total Voting Rights Update
Neutral
Mar 31, 2025

Experian plc announced its total voting rights as of 31 March 2025, with a capital consisting of 972,976,312 ordinary shares and 20 deferred shares. The total number of voting rights available is 918,134,135, which shareholders can use as a denominator for interest notifications under the FCA’s rules. This announcement ensures transparency and compliance with regulatory requirements, impacting how stakeholders manage their investments and interests in the company.

Delistings and Listing ChangesBusiness Operations and Strategy
Experian Expands Share Listing on London Stock Exchange
Positive
Mar 26, 2025

Experian plc has announced that it has applied for the admission of 50,000 ordinary shares to the Official List on the London Stock Exchange. These shares, which are part of the Experian Tax-Qualified Employee Share Purchase Plan in North America, will be available for trading on March 28, 2025, and will hold the same status as existing shares. This move is likely to enhance employee engagement and align interests with shareholders, potentially strengthening Experian’s market position.

Stock BuybackBusiness Operations and Strategy
Experian Expands Share Repurchase Program with Latest Buyback
Neutral
Mar 21, 2025

Experian plc has announced the purchase of 102,000 of its ordinary shares as part of a share repurchase program initiated in May 2024. The shares were bought on the London Stock Exchange at prices ranging from 3,522.0000 to 3,590.0000 pence, with a weighted average price of 3,563.1047 pence. These shares will be held as treasury shares, bringing the total number of treasury shares to 54,972,718. This move is part of Experian’s strategy to manage its capital structure and return value to shareholders, with the total number of shares in issue now standing at 918,002,558.

Delistings and Listing Changes
Experian Announces New Share Listing on London Stock Exchange
Neutral
Mar 20, 2025

Experian plc has announced that it has applied for the admission of 50,000 ordinary shares to the Official List of the Financial Conduct Authority and the London Stock Exchange. These shares, part of the Experian Tax-Qualified Employee Share Purchase Plan in North America, are expected to begin trading on March 24, 2025, and will hold equal status with existing shares, potentially enhancing employee engagement and aligning interests with shareholders.

Stock BuybackBusiness Operations and Strategy
Experian Enhances Shareholder Value with Share Repurchase
Positive
Mar 14, 2025

Experian plc has announced the repurchase of 180,150 of its ordinary shares on the London Stock Exchange as part of its ongoing share repurchase programme. The shares will be held as treasury shares, bringing the total number of shares in treasury to 54,870,718. This move is part of Experian’s strategy to manage its capital structure and return value to shareholders, reflecting confidence in the company’s financial health and future prospects.

Regulatory Filings and Compliance
Experian Announces Director Share Purchase
Neutral
Mar 13, 2025

Experian plc announced a purchase of shares by Kathleen DeRose, a non-executive director, under the UK Market Abuse Regulation. This transaction, involving the purchase of 400 ordinary shares at a price of $45.532 each, reflects the company’s ongoing commitment to transparency and regulatory compliance. The announcement may influence stakeholder perceptions of the company’s governance and market activities.

Stock BuybackBusiness Operations and Strategy
Experian Expands Share Repurchase Programme with Latest Buyback
Neutral
Mar 13, 2025

Experian plc announced the purchase of 248,000 of its own shares on the London Stock Exchange as part of its ongoing share repurchase programme. The shares, bought at prices ranging from 3,490.0000 to 3,542.0000 pence, will be held as treasury shares. This transaction increases Experian’s total treasury shares to 54,690,568, with 918,281,947 shares remaining in issue. This move is part of Experian’s strategy to manage its capital structure and potentially enhance shareholder value.

Stock BuybackBusiness Operations and Strategy
Experian Expands Share Repurchase Program with New Acquisition
Neutral
Mar 12, 2025

Experian plc has announced the purchase of 248,000 of its own ordinary shares on the London Stock Exchange as part of its ongoing share repurchase program. The shares, bought at prices ranging from 3,478.0000 to 3,555.0000 pence, will be held as treasury shares, bringing the total number of treasury shares to 54,442,568. This move reflects Experian’s strategic financial management and could potentially impact shareholder value and market perception.

Stock BuybackBusiness Operations and Strategy
Experian Enhances Shareholder Value with Share Repurchase
Positive
Mar 11, 2025

Experian plc has announced the purchase of 248,000 of its own shares on the London Stock Exchange as part of its ongoing share repurchase program. The shares, bought at prices ranging from 3,487 to 3,568 pence, will be held as treasury shares, increasing the total treasury shares to 54,194,568. This move is part of Experian’s strategy to manage its capital efficiently and could potentially enhance shareholder value by reducing the number of shares in circulation, thereby increasing earnings per share.

Stock BuybackBusiness Operations and Strategy
Experian Enhances Shareholder Value with Share Repurchase
Positive
Mar 10, 2025

Experian plc has announced the purchase of 248,000 of its own shares on the London Stock Exchange as part of its ongoing share repurchase program. The shares, purchased at prices ranging from 3,543.0000 to 3,601.0000 pence, will be held as treasury shares, bringing the total number of shares held in treasury to 53,946,568. This move is part of Experian’s strategy to manage its capital and enhance shareholder value.

Stock BuybackBusiness Operations and Strategy
Experian Expands Share Repurchase Program with Latest Buyback
Positive
Feb 28, 2025

Experian plc has announced the purchase of 60,000 of its ordinary shares on the London Stock Exchange as part of its ongoing share repurchase program. The shares, bought at prices ranging from 3,748.0000 to 3,769.0000 pence, will be held as treasury shares, increasing the total number of treasury shares to 53,698,568. This move is part of Experian’s strategy to manage its capital structure and return value to shareholders, reflecting confidence in its financial position and future prospects.

Regulatory Filings and Compliance
Experian Announces Total Voting Rights Update
Neutral
Feb 28, 2025

Experian plc has announced its total voting rights as of February 28, 2025, in compliance with the FCA’s Disclosure Guidance and Transparency Rule. The company has a total of 919,329,151 voting rights, which shareholders can use as a denominator for calculating their interests in the company’s shares. This announcement is significant for stakeholders as it provides clarity on shareholding structures and ensures transparency in accordance with regulatory requirements.

Stock BuybackBusiness Operations and Strategy
Experian Continues Share Repurchase Program with Latest Buyback
Positive
Feb 27, 2025

Experian plc has announced the purchase of 60,000 of its ordinary shares on the London Stock Exchange as part of its ongoing share repurchase program. The shares were bought at prices ranging from 3,748.0000 to 3,807.0000 pence, with a weighted average price of 3,784.0486 pence, and will be held as treasury shares. This move is part of Experian’s strategy to manage its capital structure and return value to shareholders, reflecting confidence in its business prospects.

Stock BuybackBusiness Operations and Strategy
Experian Executes Share Repurchase Program
Positive
Feb 26, 2025

Experian plc has executed a share repurchase program, buying 60,000 of its ordinary shares on the London Stock Exchange at prices ranging from 3,834.0000 to 3,863.0000 pence per share. The purchased shares will be held as treasury shares, and this move is part of a broader strategy to manage the company’s capital structure, potentially enhancing shareholder value.

Stock BuybackBusiness Operations and Strategy
Experian Continues Share Buyback Program with Latest Purchase
Positive
Feb 25, 2025

Experian plc announced the repurchase of 60,000 of its ordinary shares on the London Stock Exchange as part of its ongoing share repurchase program. The shares, purchased at a weighted average price of 3,833.6549 pence, will be held as treasury shares, bringing the total number of treasury shares to 53,518,568. This move is part of Experian’s strategy to manage its capital structure and return value to shareholders, reflecting confidence in its financial health and future prospects.

Stock BuybackBusiness Operations and Strategy
Experian Enhances Shareholder Value with Share Repurchase
Positive
Feb 24, 2025

Experian plc announced the purchase of 60,000 of its own shares on the London Stock Exchange as part of its ongoing share repurchase program. The shares, bought at an average price of 3,795.7151 pence, will be held as treasury shares, increasing the total to 53,458,568 treasury shares. This move is part of Experian’s strategy to manage its capital structure and return value to shareholders, reflecting confidence in its financial health and future prospects.

Stock Buyback
Experian Enhances Shareholder Value with Share Repurchase
Positive
Feb 21, 2025

Experian plc announced the purchase of 75,000 ordinary shares on February 21, 2025, as part of its ongoing share repurchase programme. These shares, acquired at a weighted average price of 3,844.2789 pence, will be held as treasury shares, bringing the total number of such shares to 53,398,568. This strategic move is part of Experian’s effort to manage its capital structure and enhance shareholder value, with the transactions being made publicly available on their website.

Stock BuybackBusiness Operations and Strategy
Experian Continues Share Repurchase Program with Latest Acquisition
Positive
Feb 20, 2025

Experian plc announced the purchase of 75,000 of its own shares as part of a repurchase program initially announced in May 2024. The shares, purchased at a weighted average price of 3,853.3651 pence, will be held as treasury shares, bringing the total number of treasury shares to 53,323,568. This move is part of Experian’s ongoing strategy to manage its capital structure, potentially enhancing shareholder value and signaling confidence in its financial health.

Stock BuybackBusiness Operations and Strategy
Experian Executes Share Repurchase to Enhance Capital Structure
Neutral
Feb 19, 2025

Experian plc announced the purchase of 75,000 of its own shares as part of an ongoing share repurchase program, initially announced in May 2024. These shares, purchased at an average price of 3,872.8416 pence, will be held as treasury shares, bringing the total number of shares held in treasury to 53,322,628. This transaction reflects Experian’s strategic efforts to manage its capital structure, potentially impacting shareholder value and market perception.

Stock Buyback
Experian Announces Latest Share Repurchase under Existing Programme
Neutral
Feb 18, 2025

Experian plc has announced a new transaction in its share repurchase program where it purchased 75,000 shares on the London Stock Exchange at an average price of 3,924.8465 pence per share. These shares will be held as treasury shares, and the total number of shares in issue now stands at 919,712,724, excluding treasury shares. This move is part of Experian’s ongoing efforts to manage its share capital and potentially enhance shareholder value.

Executive/Board Changes
Experian Announces New Non-Executive Director Appointment
Positive
Feb 12, 2025

Experian plc has announced the appointment of Eduardo Vassimon as a new independent Non-Executive Director to its Board, effective from 1 March 2025. Eduardo brings extensive experience from the financial services sector and deep knowledge of the Brazilian market, which are expected to strengthen Experian’s board expertise, benefiting its largest vertical and enhancing its strategic positioning in key markets.

DividendsRegulatory Filings and Compliance
Experian Director Acquires ADRs through Dividend Reinvestment
Neutral
Feb 10, 2025

Experian plc announced that Esther Lee, a non-executive director, has purchased American Depositary Receipts (ADRs) through automatic dividend reinvestment. This transaction, which adheres to the UK Market Abuse Regulation, demonstrates the company’s ongoing financial activities and its directors’ involvement in stock acquisitions, potentially impacting investor perceptions and market dynamics.

Regulatory Filings and Compliance
Experian Announces Updated Voting Rights Structure
Neutral
Jan 31, 2025

Experian plc announced its total voting rights as of January 31, 2025, indicating a capital structure of 972,945,687 ordinary shares, out of which 919,773,059 have voting rights, after accounting for treasury shares. This figure is essential for shareholders to determine their notification requirements under FCA regulations, impacting how investors manage their shareholdings in compliance with disclosure guidelines.

Shareholder MeetingsRegulatory Filings and Compliance
Experian Re-Appoints KPMG as External Auditor Following Tender Process
Neutral
Jan 24, 2025

Experian plc has announced the re-appointment of KPMG LLP as its external auditor following a formal competitive audit tender process. This decision aligns with the company’s commitment to regulatory compliance and corporate governance, ensuring transparency and accountability in its financial reporting. The re-appointment is subject to shareholder approval at the 2026 Annual General Meeting and highlights Experian’s dedication to maintaining high audit standards in line with UK legislation.

Experian Announces Exchange Rate for First Interim Dividend
Jan 17, 2025

Experian plc announced the exchange rate for its first interim dividend, initially declared on 13 November 2024, which will be converted from US dollars to sterling for those shareholders who did not opt for US dollar payments by 10 January 2025. The dividend, set at 19.25 US cents per share, will be approximately 15.7807 pence per share for these shareholders, payable on 7 February 2025. Shareholders who did not choose to receive UK sourced dividends through income access arrangements are reminded of the applicable Irish dividend withholding tax unless a valid exemption form is submitted.

Experian Announces €500 Million Bond Issue to Diversify Funding
Jan 16, 2025

Experian plc has announced the pricing of a €500 million bond issue through its subsidiary, Experian Finance plc. This bond, due in December 2033 with a 3.51% interest rate, is part of Experian’s Euro Medium Term Note Programme and is guaranteed by Experian plc. The issuance aims to extend the company’s debt maturity and diversify funding sources, with proceeds allocated for general corporate purposes, including acquisitions, potentially impacting Experian’s market positioning and stakeholder interests.

Experian Announces Robust Q3 FY25 Growth, Maintains Positive Outlook
Jan 15, 2025

Experian reported a strong third quarter for FY25, with total revenue growth of 8% at constant exchange rates, reflecting solid underlying business trends. North America, constituting the majority of its revenue, showed robust growth, particularly in mortgages and automotive sectors, while Latin America and EMEA and Asia Pacific regions also demonstrated strong performance. Despite foreign exchange headwinds, Experian’s growth outlook remains positive with expectations of organic revenue growth between 6-8% for the full year, indicating resilience in its operations and strategic positioning across diverse markets.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.