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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 - 5.2)
Rating:75Outperform
Price Target:
3,740.00p
▲(12.31% 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 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 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 Price3330.00
Price Trends
50DMA
3351.99
Negative
100DMA
3512.82
Negative
200DMA
3627.25
Negative
Market Momentum
MACD
1.71
Positive
RSI
46.00
Neutral
STOCH
11.63
Positive
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 3330 is below the 20-day moving average (MA) of 3378.15, below the 50-day MA of 3351.99, and below the 200-day MA of 3627.25, indicating a bearish trend. The MACD of 1.71 indicates Positive momentum. The RSI at 46.00 is Neutral, neither overbought nor oversold. The STOCH value of 11.63 is Positive, 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
£56.14B29.7370.68%2.13%2.48%3.23%
75
Outperform
£30.39B29.1826.88%1.40%5.84%11.65%
69
Neutral
£846.75M57.833.76%1.19%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
3,330.00
-270.36
-7.51%
GB:DATA
GlobalData
118.00
-66.38
-36.00%
GB:REL
RELX plc
3,123.00
-715.53
-18.64%

Experian Corporate Events

Business Operations and StrategyExecutive/Board Changes
Experian Chair Mike Rogers to Retire in 2026 as Board Begins Succession Process
Neutral
Jan 8, 2026

Experian has announced that Chair Mike Rogers will retire as director and chair of the board at the conclusion of the company’s Annual General Meeting on 22 July 2026, after nine years on the board and nearly seven years as chair. Rogers, who joined as an independent non-executive director in 2017 and became chair in 2019, was praised by CEO Brian Cassin for strengthening governance, fostering open and constructive board dialogue and helping drive Experian’s strategic and financial progress, with the company stating it is well positioned for its next phase of growth. The board’s Nomination and Corporate Governance Committee, led by Senior Independent Director Alison Brittain, has begun the search process for his successor, a move that signals a planned leadership transition aimed at maintaining continuity in governance and oversight for investors and other stakeholders.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £3740.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Regulatory Filings and Compliance
Experian Confirms Total Voting Rights at Year-End 2025
Neutral
Dec 31, 2025

Experian has reported that, as of 31 December 2025, its issued share capital comprises 973,801,204 ordinary shares with voting rights and 20 non‑voting deferred shares, of which 56,247,865 ordinary shares are held in treasury. This leaves a total of 917,553,339 voting rights in the company, a key reference figure that shareholders must use when calculating whether they are required to disclose holdings or changes in their interests under UK financial regulatory transparency rules.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £3740.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Dividends
Experian Sets Key Election Deadlines for First Interim Dividend
Neutral
Dec 19, 2025

Experian has reminded shareholders of key administrative deadlines related to its first interim dividend for the financial year ending 31 March 2026, set at 21.25 US cents per ordinary share and payable on 6 February 2026 to investors on the register as of 9 January 2026. Shareholders must confirm by 9 January whether they wish to receive UK-sourced dividends via Income Access Share arrangements or opt for US dollar payments, otherwise existing elections will continue and, in the absence of a US dollar election, payments will default to sterling based on the 16 January exchange rate; investors who do not route dividends through the UK structure are also reminded that their distributions will be treated as Irish-sourced and potentially subject to Irish dividend withholding tax unless valid exemption documentation is on file, underscoring the administrative and tax-planning implications for both domestic and international holders.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £3740.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Business Operations and StrategyStock Buyback
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.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4600.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

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.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4600.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Business Operations and StrategyStock Buyback
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.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4600.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Business Operations and StrategyStock Buyback
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.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4600.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Business Operations and StrategyStock Buyback
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.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4600.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Business Operations and StrategyStock Buyback
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.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4600.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Business Operations and StrategyStock Buyback
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.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4600.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

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.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £3827.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

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.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £3827.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

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.

The most recent analyst rating on (GB:EXPN) stock is a Hold with a £3575.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

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.

The most recent analyst rating on (GB:EXPN) stock is a Sell with a £3050.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Business Operations and StrategyProduct-Related Announcements
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.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4600.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

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