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Experian plc (GB:EXPN)
LSE:EXPN

Experian (EXPN) AI Stock Analysis

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GB

Experian

(LSE:EXPN)

77Outperform
Experian showcases a strong financial position with consistent growth and profitability, bolstered by strategic corporate actions such as share buybacks and acquisitions. While the stock's valuation is on the higher side, the company's robust fundamentals and positive corporate events contribute to a favorable outlook.
Positive Factors
Financial Performance
Credit marketplace also grew double digit, strong growth in loans and stable credit cards which historically were declining.
Partnerships
Great success with partnerships announced over last 18 months.
Sales Pipeline
Good progress in sales pipeline so expect to finish year strongly.
Negative Factors
Data Breach
Last year was particularly active for data breach, with an unusual number of breaches.
Growth Expectations
Group organic growth in 2Q 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
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Income StatementTotal Revenue
7.10B6.62B6.29B5.37B5.18B
Gross Profit
3.42B3.17B2.98B2.52B2.55B
EBIT
1.69B1.26B1.42B1.18B1.19B
EBITDA
2.42B1.99B2.01B1.80B1.75B
Net Income Common Stockholders
1.20B770.00M1.17B803.00M675.00M
Balance SheetCash, Cash Equivalents and Short-Term Investments
312.00M209.00M186.00M200.00M294.00M
Total Assets
11.71B10.86B10.89B10.07B8.90B
Total Debt
4.27B4.10B4.10B4.34B4.41B
Net Debt
3.95B3.90B3.92B4.16B4.14B
Total Liabilities
7.04B6.90B6.89B6.95B6.62B
Stockholders Equity
4.63B3.93B3.97B3.08B2.27B
Cash FlowFree Cash Flow
1.11B1.09B1.29B1.07B769.00M
Operating Cash Flow
1.75B1.72B1.80B1.49B1.26B
Investing Cash Flow
-1.10B-948.00M-1.12B-827.00M-1.18B
Financing Cash Flow
-551.00M-722.00M-687.00M-747.00M61.00M

Experian Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price3615.00
Price Trends
50DMA
3596.28
Positive
100DMA
3641.11
Negative
200DMA
3676.45
Negative
Market Momentum
MACD
4.32
Negative
RSI
56.09
Neutral
STOCH
91.54
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:EXPN, the sentiment is Neutral. The current price of 3615 is above the 20-day moving average (MA) of 3463.40, above the 50-day MA of 3596.28, and below the 200-day MA of 3676.45, indicating a neutral trend. The MACD of 4.32 indicates Negative momentum. The RSI at 56.09 is Neutral, neither overbought nor oversold. The STOCH value of 91.54 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:EXPN.

Experian Peers Comparison

Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
GBREL
80
Outperform
$73.69B38.6256.34%1.39%2.98%10.10%
77
Outperform
$33.08B35.5326.55%1.24%3.90%10.95%
67
Neutral
£739.14M10.397.06%0.49%-0.09%-29.06%
GBRCH
67
Neutral
£244.59M4.578.15%9.45%-5.28%148.54%
GBYOU
65
Neutral
£328.24M248.230.70%3.21%42.19%-94.16%
63
Neutral
$4.27B11.365.38%214.64%4.14%-9.01%
* Industrials Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:EXPN
Experian
3,615.00
400.72
12.47%
GB:FUTR
Future plc
719.00
71.42
11.03%
GB:YOU
Yougov plc
281.00
-597.08
-68.00%
GB:REL
RELX plc
3,960.00
724.82
22.40%
GB:RCH
Reach plc
77.70
8.10
11.64%

Experian Corporate Events

Delistings and Listing Changes
Experian Announces Additional Listing of Shares on London Stock Exchange
Neutral
Apr 16, 2025

Experian plc has announced an application for the listing of 50,000 ordinary shares on the London Stock Exchange, expected to be admitted on April 22, 2025. These shares are part of the Experian Tax-Qualified Employee Share Purchase Plan in North America and will hold equal status with existing shares. This move reflects Experian’s ongoing efforts to support its employee share plans and could potentially enhance its market presence and stakeholder engagement.

Spark’s Take on GB:EXPN Stock

According to Spark, TipRanks’ AI Analyst, GB:EXPN is a Outperform.

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.

To see Spark’s full report on GB:EXPN stock, click here.

Delistings and Listing Changes
Experian Announces New Share Listing on London Stock Exchange
Neutral
Apr 9, 2025

Experian plc has announced an application for the admission of 50,000 ordinary shares to the Official List of the London Stock Exchange, expected to commence trading on April 11, 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, potentially enhancing employee engagement and shareholder value.

Spark’s Take on GB:EXPN Stock

According to Spark, TipRanks’ AI Analyst, GB:EXPN is a Outperform.

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.

To see Spark’s full report on GB:EXPN stock, click here.

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.

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.