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Experian plc (GB:EXPN)
LSE:EXPN

Experian (EXPN) AI Stock Analysis

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GB:EXPN

Experian

(LSE:EXPN)

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Outperform 75 (OpenAI - 4o)
Rating:75Outperform
Price Target:
3,740.00p
▲(10.72% Upside)
Experian's strong financial performance and positive earnings call sentiment are the most significant factors driving the stock score. However, technical indicators suggest a bearish trend, and the high P/E ratio indicates potential overvaluation. The company's proactive share repurchase program positively impacts shareholder value.
Positive Factors
Revenue Growth
Experian's consistent revenue growth demonstrates strong market demand and effective business strategies, supporting long-term financial health.
AI Integration
Successful AI integration enhances product offerings, positioning Experian for sustained competitive advantage and innovation-led growth.
Cash Flow Generation
Strong cash flow generation provides financial flexibility, enabling strategic investments and resilience against economic fluctuations.
Negative Factors
Challenges in Latin America
Economic challenges in Latin America may hinder growth and profitability, affecting Experian's regional performance and margin sustainability.
UK&I Growth
Slower growth in the UK&I region could limit revenue expansion, necessitating strategic adjustments to boost regional performance.
Net Income Decline
Declining net income may indicate challenges in maintaining profitability, potentially impacting long-term financial stability.

Experian (EXPN) vs. iShares MSCI United Kingdom ETF (EWC)

Experian Business Overview & Revenue Model

Company DescriptionExperian (EXPN) is a global information services company that provides data and analytical tools to businesses and consumers. Established in 1980, the company operates in three primary sectors: credit services, decision analytics, and marketing services. Experian's core products include credit reporting, credit scoring, identity theft protection services, and marketing solutions aimed at helping businesses understand their customers and make informed decisions.
How the Company Makes MoneyExperian generates revenue through multiple key streams. The primary source of income comes from its credit services segment, which includes the sale of credit reports and scores to lenders, financial institutions, and consumers. The company also earns revenue from its decision analytics services, which help businesses manage risk and make strategic decisions based on consumer data analytics. Additionally, Experian's marketing services division provides data-driven marketing solutions, enabling companies to effectively target and engage their customers. Significant partnerships with financial institutions, technology companies, and government agencies enhance Experian's data offerings and expand its market reach, contributing to its overall earnings. Furthermore, the company has been investing in digital solutions and identity protection services, which have shown growth potential in the evolving market landscape.

Experian Earnings Call Summary

Earnings Call Date:Nov 12, 2025
(Q2-2026)
|
% Change Since: |
Next Earnings Date:May 20, 2026
Earnings Call Sentiment Positive
The earnings call reflected a strong overall performance with significant growth in key regions, particularly North America, and successful integration of AI and new products. However, challenges in Latin America and lower growth in the UK&I region were noted. The company remains optimistic about future growth and AI opportunities.
Q2-2026 Updates
Positive Updates
Strong Revenue and Growth
Organic revenue growth accelerated from 8% in Q1 to 9% in Q2, with an average of 8% for the first half. Including acquisitions, total constant currency revenue growth reached 12%.
North America Performance
North America saw strong performance with organic growth accelerating to 12% in Q2, driven by client wins and expansions, and improved lender activity.
Ascend Platform Adoption and AI Integration
Ascend platform adoption continues to accelerate, with new AI-driven products like the Model Governance solution and Patient Access Curator launching.
EBIT Margin and EPS Growth
EBIT margin increased by 50 basis points at constant currency and 30 basis points at actual rates, with double-digit benchmark EPS growth and a 10% interim dividend raise.
Cloud Transformation Progress
Cloud migrations in North America and Brazil are on track, with dual run costs expected to peak this financial year.
Negative Updates
Challenges in Latin America
Fiscal conditions in Latin America, particularly Brazil, remain constrained by high interest rates and consumer indebtedness, affecting margins negatively.
UK&I Low Single-Digit Growth
The UK&I region delivered low single-digit growth overall, though there was excellent adoption of Ascend Sandbox among B2B clients.
Company Guidance
In the recent conference call, Experian's CEO, Brian Cassin, highlighted strong financial performance for the first half of fiscal year 2026, reaching the top end of their guidance range. Key metrics included organic revenue growth, which accelerated from 8% in Q1 to 9% in Q2, averaging 8% for the first half. Total constant currency revenue growth was reported at 12%, incorporating acquisitions. The company experienced a 50 basis point increase in EBIT margin at constant currency and a 30 basis point increase at actual rates. Experian's leverage ratio stood at 1.8x, reflecting robust cash flow growth. The interim dividend was raised by 10%, and North America's organic growth reached 12% in Q2 due to strong client activity. Consumer Services also grew by 9%, with over 208 million free members, while the UK and Ireland delivered low single-digit growth. EMEA and Asia Pacific saw mid-single-digit growth, supported by innovation. The company is focused on leveraging AI to accelerate growth and enhance product offerings, particularly through the Ascend platform.

Experian Financial Statement Overview

Summary
Experian demonstrates strong financial health with robust revenue growth, solid profitability, and efficient cash flow generation. The company maintains a balanced capital structure with manageable debt levels and effective equity utilization. Minor fluctuations in net income are noted but do not significantly impact the overall strong financial position.
Income Statement
85
Very Positive
Experian has demonstrated robust revenue growth, with a consistent upward trend over the past years. The gross profit margin stands at 47.8% for the latest year, indicating efficient cost management. The net profit margin is healthy at 15.5%, and both EBIT and EBITDA margins have shown strong performance, suggesting sound operational profitability. However, a slight decline in net income compared to the previous year indicates potential challenges in maintaining net profitability.
Balance Sheet
78
Positive
The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.99, indicating moderate leverage. The return on equity is impressive at 23.1%, showcasing effective utilization of equity. However, the equity ratio of 39.2% suggests a balanced but not overly conservative capital structure. Overall, the company maintains a solid equity base with manageable debt levels.
Cash Flow
82
Very Positive
Experian's cash flow position is strong, with significant free cash flow generation and a positive growth rate of 22.3%. The operating cash flow to net income ratio is 1.72, highlighting strong cash conversion efficiency. The free cash flow to net income ratio of 1.16 further underscores the company's ability to generate cash beyond operational needs. While capital expenditures have increased, cash flow remains robust.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue7.00B7.63B7.09B6.80B6.04B5.68B
Gross Profit1.74B2.94B2.71B2.60B2.22B2.07B
EBITDA2.45B2.50B2.40B2.04B2.16B1.88B
Net Income1.18B1.18B1.20B790.93M1.12B849.56M
Balance Sheet
Total Assets13.58B12.89B11.71B10.86B10.89B10.07B
Cash, Cash Equivalents and Short-Term Investments363.00M404.00M320.76M209.00M186.00M200.00M
Total Debt4.18B5.02B4.27B4.10B4.10B4.34B
Total Liabilities8.14B7.80B7.04B6.90B6.89B6.95B
Stockholders Equity5.40B5.05B4.63B3.93B3.97B3.08B
Cash Flow
Free Cash Flow1.88B1.96B1.11B1.09B1.29B1.07B
Operating Cash Flow1.92B2.00B1.75B1.72B1.80B1.49B
Investing Cash Flow-1.27B-1.85B-1.10B-948.00M-1.12B-827.00M
Financing Cash Flow-610.17M-62.00M-551.00M-722.00M-687.00M-747.00M

Experian Technical Analysis

Technical Analysis Sentiment
Negative
Last Price3378.00
Price Trends
50DMA
3420.02
Negative
100DMA
3594.07
Negative
200DMA
3654.31
Negative
Market Momentum
MACD
-5.38
Negative
RSI
51.71
Neutral
STOCH
87.63
Negative
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 3378 is above the 20-day moving average (MA) of 3331.35, below the 50-day MA of 3420.02, and below the 200-day MA of 3654.31, indicating a neutral trend. The MACD of -5.38 indicates Negative momentum. The RSI at 51.71 is Neutral, neither overbought nor oversold. The STOCH value of 87.63 is Negative, 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 (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
$55.45B29.3270.68%2.11%2.48%3.23%
75
Outperform
£30.97B29.7526.88%1.40%5.84%11.65%
69
Neutral
£795.99M54.293.76%1.21%9.25%-51.82%
63
Neutral
$10.79B15.437.44%2.01%2.89%-14.66%
* Industrials Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:EXPN
Experian
3,378.00
-42.77
-1.25%
GB:DATA
GlobalData
109.00
-76.38
-41.20%
GB:REL
RELX plc
3,046.00
-503.32
-14.18%

Experian Corporate Events

Stock BuybackBusiness Operations and Strategy
Experian Enhances Shareholder Value with Share Repurchase
Positive
Dec 1, 2025

Experian plc has announced the purchase of 19,000 of its own shares on the London Stock Exchange as part of its ongoing share repurchase program. This move, facilitated through J.P. Morgan Securities plc, reflects Experian’s strategy to manage its share capital and potentially enhance shareholder value. The shares will be held as treasury shares, bringing the total number of shares held in treasury to over 56 million. This repurchase is part of a broader program that has seen the acquisition of over 2.4 million shares, indicating Experian’s commitment to returning value to its shareholders.

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

Experian plc has announced its total voting rights as of 28 November 2025, which consist of 973,782,297 ordinary shares with voting rights and 20 deferred shares without voting rights. The total number of voting rights is 917,553,432, after accounting for 56,228,865 shares held in treasury. This information is crucial for shareholders to determine their interests in the company’s shares under the FCA’s Disclosure Guidance and Transparency Rules.

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

Experian plc announced the purchase of 19,000 of its ordinary shares on the London Stock Exchange as part of its ongoing share repurchase program. The shares, bought at prices ranging from 3,300.0000 to 3,332.0000 pence, will be held as treasury shares, bringing the total number of treasury shares to 56,228,865. This move is part of Experian’s strategy to manage its capital structure effectively and potentially enhance shareholder value.

Stock BuybackBusiness Operations and Strategy
Experian Announces Share Repurchase as Part of Capital Management Strategy
Positive
Nov 27, 2025

Experian plc announced the purchase of 19,000 of its own shares on the London Stock Exchange as part of a share repurchase program initiated earlier in the year. The shares will be held as treasury shares, and this transaction brings the total number of shares purchased under the program to 2,419,298. 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 Programme with Latest Acquisition
Positive
Nov 26, 2025

Experian plc announced the purchase of 19,000 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 held in treasury to 56,190,865. This move is part of Experian’s strategy to manage its capital structure and return value to shareholders, reflecting its robust financial position and commitment to shareholder returns.

Stock BuybackBusiness Operations and Strategy
Experian Enhances Shareholder Value with Share Repurchase
Positive
Nov 25, 2025

Experian plc has announced the purchase of 19,000 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, increasing the total to 56,171,865. This move is part of Experian’s strategy to manage its capital structure and potentially enhance shareholder value, reflecting its strong market position and commitment to investing in its future growth.

Stock BuybackBusiness Operations and Strategy
Experian Continues Share Repurchase Program
Positive
Nov 24, 2025

Experian plc announced the continuation of its share repurchase program, purchasing 19,000 of its ordinary shares on the London Stock Exchange. The shares were acquired at prices ranging from 3,228.0000 pence to 3,356.0000 pence, with a weighted average price of 3,322.6459 pence. These shares will be held as treasury shares, bringing the total to 56,152,865 shares in treasury. This move is part of Experian’s ongoing strategy to manage its capital structure and return value to shareholders, reflecting confidence in its financial health and future prospects.

Regulatory Filings and Compliance
Experian Director’s Share Purchase Signals Confidence
Positive
Nov 14, 2025

Experian plc announced a share purchase by Kathleen DeRose, a non-executive director, under the UK Market Abuse Regulation. This transaction involved the purchase of 250 American Depositary Receipts (ADRs) at $44.53 each, reflecting confidence in the company’s market position and potentially influencing investor perception positively.

Business Operations and StrategyRegulatory Filings and Compliance
Experian CFO Lloyd Pitchford Purchases Company Shares
Positive
Nov 13, 2025

Experian plc announced a share purchase by Lloyd Pitchford, the Chief Financial Officer and a director of the company. This transaction, involving 10,000 ordinary shares at a price of 3,398.86 pence each, was reported under the UK Market Abuse Regulation. Such transactions can reflect confidence in the company’s future prospects and may influence stakeholder perceptions regarding the company’s financial health and strategic direction.

Business Operations and StrategyFinancial Disclosures
Experian’s Strong H1 Performance Driven by Strategic Execution
Positive
Nov 12, 2025

Experian reported strong financial performance for the first half of FY26, with a 12% increase in total revenue and an 8% organic revenue growth. The company enhanced its product platforms and consumer relationships, leveraging AI-driven automation and personalization to transform customer experiences. All regions contributed to growth, with notable performances in North America and EMEA. The B2B segment saw an 8% organic revenue increase, driven by data, analytics, and mortgage services, while Consumer Services grew by 9%. The company’s strategic initiatives and product innovations have positioned it well for continued growth, with expectations of 11% total revenue growth for FY26.

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

Experian plc has announced the total number of voting rights as of 31 October 2025, which stands at 917,626,027. This figure is crucial for shareholders to determine their interest or any changes in their interest in the company’s shares, in compliance with the FCA’s Disclosure Guidance and Transparency Rules.

Product-Related AnnouncementsBusiness Operations and Strategy
Experian Introduces New Credit Scoring Bundle for US Mortgage Market
Positive
Oct 14, 2025

Experian has launched the Experian Score Choice Bundle for the US mortgage market, offering a comprehensive package of credit data, including a free VantageScore 4.0, to enhance lender choice and financial inclusion. This initiative is expected to lower costs for consumers and foster a competitive market for credit scores, while Experian anticipates long-term profitability improvements as the market adopts better scoring practices.

Delistings and Listing Changes
Experian Announces Additional Listing of Shares on London Stock Exchange
Neutral
Oct 1, 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, set to be listed on October 3, 2025, are part of the Experian International Sharesave Plan and will rank equally with existing shares. This move reflects Experian’s ongoing efforts to enhance its market presence and provide value to its stakeholders.

Regulatory Filings and Compliance
Experian Announces Total Voting Rights Update
Neutral
Sep 30, 2025

Experian plc has announced its total voting rights as of 30 September 2025, which consist of 973,709,622 ordinary shares with voting rights and 20 deferred shares without voting rights. The total number of voting rights in the company is 917,559,452, after accounting for shares held in treasury. This figure is crucial for shareholders to determine their notification requirements under the FCA’s rules, impacting how they manage their interests in the company’s shares.

Stock BuybackBusiness Operations and Strategy
Experian Advances Share Repurchase Program with Latest Acquisition
Neutral
Sep 29, 2025

Experian plc has announced the purchase of 39,000 of its ordinary shares on the London Stock Exchange as part of a share repurchase program initiated in June 2025. The shares, purchased at a weighted average price of 3,676.9970 pence, will be held as treasury shares, bringing the total number of treasury shares to 56,150,170. This move is part of Experian’s ongoing strategy to manage its capital structure and potentially enhance shareholder value.

Stock BuybackBusiness Operations and Strategy
Experian Continues Share Repurchase Program, Boosting Treasury Holdings
Positive
Sep 26, 2025

Experian plc has announced the continuation of its share repurchase program, purchasing 39,126 ordinary shares on the London Stock Exchange. The shares, bought at a weighted average price of 3,672.7742 pence, will be held as treasury shares, increasing the total to 56,111,170. 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 Continues Share Repurchase Program
Positive
Sep 25, 2025

Experian plc announced the continuation of its share repurchase program, purchasing 38,874 ordinary shares on the London Stock Exchange. The shares will be held as treasury shares, bringing the total to 56,072,044 shares in treasury. This move is part of Experian’s ongoing strategy to manage its capital structure and return value to shareholders, reflecting confidence in its financial position and future growth prospects.

Delistings and Listing ChangesBusiness Operations and Strategy
Experian Announces Additional Listing of Shares on London Stock Exchange
Positive
Sep 24, 2025

Experian plc has announced an application for the admission of 48,000 ordinary shares to the Official List on the London Stock Exchange. These shares, reserved under a block listing, are part of the Experian International Sharesave Plan and will be issued on 26 September 2025, ranking equally with existing shares. This move reflects Experian’s ongoing efforts to enhance its market presence and shareholder value.

Stock BuybackBusiness Operations and Strategy
Experian Expands Share Repurchase Program with New Acquisition
Positive
Sep 24, 2025

Experian plc has announced the purchase of 39,000 of its ordinary shares on the London Stock Exchange as part of its ongoing share repurchase program. The shares will be held as treasury shares, and this transaction increases the total number of treasury shares to 56,033,170, with 917,657,514 shares remaining in issue. This move reflects Experian’s strategic financial management and commitment to enhancing shareholder value.

Stock BuybackBusiness Operations and Strategy
Experian Expands Share Repurchase Program with Latest Acquisition
Positive
Sep 23, 2025

Experian plc announced the purchase of 39,000 ordinary shares as part of its ongoing share repurchase program. The shares, bought at an average price of 3,799.6853 pence, will be held as treasury shares, bringing the total number of shares in treasury to 55,994,170. This move is part of Experian’s strategy to manage its capital structure and return value to shareholders.

Stock BuybackBusiness Operations and Strategy
Experian Advances Share Repurchase Program
Positive
Sep 16, 2025

Experian plc announced the purchase of 4,000 of its ordinary shares as part of its ongoing share repurchase program. The shares were bought at prices ranging from 3,827.0000 to 3,879.0000 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 its strong market position and financial health.

Executive/Board Changes
Experian’s Jonathan Howell Appointed to Whitbread’s Board
Positive
Sep 15, 2025

Experian plc announced that Jonathan Howell, an Independent Non-Executive Director and Chair of the Audit Committee at Experian, has been appointed to the same roles at Whitbread PLC, effective January 2026. This appointment highlights Experian’s influence and the caliber of its leadership, potentially strengthening its industry positioning and stakeholder confidence.

Stock BuybackBusiness Operations and Strategy
Experian Advances Share Repurchase Program with Latest Acquisition
Positive
Sep 15, 2025

Experian plc has announced the purchase of 39,000 of its ordinary shares as part of a share repurchase program initiated in June 2025. The shares were acquired on the London Stock Exchange at prices ranging from 3,835.0000 pence to 3,895.0000 pence, with a weighted average price of 3,860.1845 pence. Following this transaction, Experian holds 55,951,170 shares in treasury, with a total of 917,705,483 shares in issue excluding treasury shares. This move is part of Experian’s strategy to manage its capital structure and potentially enhance shareholder value.

Stock BuybackBusiness Operations and Strategy
Experian Enhances Shareholder Value with Continued Share Repurchase
Positive
Sep 12, 2025

Experian plc has announced the repurchase of 38,000 of its ordinary shares on the London Stock Exchange as part of its ongoing share repurchase program. The shares will be held as treasury shares, and the company now holds a total of 55,912,170 shares in treasury. This move is part of Experian’s strategy to manage its capital structure and enhance shareholder value, reflecting its strong market position and commitment to returning value to its stakeholders.

Stock BuybackBusiness Operations and Strategy
Experian Continues Share Repurchase Program
Neutral
Sep 11, 2025

Experian plc announced the continuation of its share repurchase program, purchasing 114,000 ordinary shares on the London Stock Exchange. The shares will be held as treasury shares, with the company now holding 55,874,170 shares in treasury. Since the start of the program, Experian has acquired 1,637,298 shares, leaving 917,684,725 shares in issue excluding treasury shares. This move reflects Experian’s strategy to manage its capital structure effectively and may have implications for shareholder value.

Stock BuybackBusiness Operations and Strategy
Experian Continues Share Repurchase Program
Positive
Sep 8, 2025

Experian plc has announced the continuation of its share repurchase program, purchasing 21,298 ordinary shares on the London Stock Exchange through J.P. Morgan Securities plc. The shares will be held as treasury shares, increasing the total to 55,760,170 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 growth prospects.

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.Date of analysis: Dec 07, 2025