Experian

People/Entities

Experian plc is a global data and technology company headquartered in Dublin, Ireland, with approximately 25,200 employees across 33 countries.

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Experian collects, analyzes, and sells consumer and business credit data, analytics, and software to help organizations make lending, fraud prevention, marketing, and healthcare decisions, while also offering consumers tools to monitor and improve their credit health.

Experian plc is a global data and technology company headquartered in Dublin, Ireland, with approximately 25,200 employees across 33 countries. Founded in 1980, the company operates as one of the three major credit bureaus in the United States and provides analytics, software, and platform solutions to financial services, healthcare, automotive, insurance, and agrifinance sectors. For the fiscal year ended March 31, 2026, Experian reported record revenue from ongoing operations of $8.425 billion, up 13% at actual exchange rates and 8% organically.

Benchmark EBIT from continuing activities rose 15% to $2.407 billion, with margins expanding to 28.6%. North America, its largest region, delivered 10% organic revenue growth; Latin America grew 8%; UK and Ireland grew 2%; and EMEA and Asia Pacific grew 5%. The company's consumer services platform has over 215 million free members worldwide.

Experian completed $725 million in share repurchases during FY26 and announced a new $1 billion buyback program. It also invested $792 million in acquisitions to strengthen data and technology capabilities. CEO Brian Cassin noted the company expects double-digit benchmark EPS growth in FY27, with total revenue growth of 8-11% and organic growth of 6-8%, while taking a prudent approach to macroeconomic uncertainties linked to the Middle East. Despite strong financial results, Experian's stock fell 6.05% on the day of its earnings release, closing at 2,710 pence, and was down approximately 30% over the prior twelve months, reflecting broader market pressures and valuation concerns.

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Who buys this

  • Financial services companies (banks, credit unions, fintechs) for credit risk assessment and fraud detection
  • Automotive dealers and lenders for vehicle financing and insurance decisions
  • Healthcare providers and insurers for patient payment risk and revenue cycle management
  • Retailers and e-commerce platforms for identity verification and marketing analytics
  • Government agencies and public sector entities for identity management and fraud prevention

Strengths and what to watch

Strengths

  • Dominant position as one of the three major U.S. credit bureaus, providing a defensible data moat in consumer credit information
  • Strong financial performance with record revenue of $8.425 billion in FY26, 15% benchmark EBIT growth, and 28.6% margins, supported by consistent cash generation and a 93% operating cash flow conversion rate
  • Diversified geographic and product portfolio with growth across all regions, including 10% organic growth in North America and accelerating momentum in Latin America (12% in H2 FY26)

Watch for

  • Stock declined 30% over the twelve months preceding May 2026 despite record earnings, and fell 6% on the day of results, indicating market concerns about valuation (elevated P/E ratio) and broader macroeconomic headwinds
  • UK and Ireland revenue growth was only 2% in FY26, significantly lagging other regions, suggesting potential market saturation or competitive pressure in its home region
  • The company explicitly flagged macroeconomic uncertainties linked to the Middle East in its FY27 outlook, and broader tech-sector layoffs (e.g., Intuit cutting 17% of staff in May 2026) signal potential headwinds for enterprise software spending

Recent moves

Key Information

Industry
People/Entities
Founded
1980
Headquarters
Dublin, Ireland

Frequently Asked Questions

What does Experian do as a company?

Experian collects, analyzes, and sells consumer and business credit data, analytics, and software. It helps organizations make lending, fraud prevention, marketing, and healthcare decisions, while also offering consumers tools to monitor and improve their credit health.

How much revenue did Experian report for fiscal year 2026?

Experian reported record revenue from ongoing operations of $8.425 billion for the fiscal year ended March 31, 2026. This represents a 13% increase at actual exchange rates and 8% organic growth, with benchmark EBIT rising 15% to $2.407 billion.

What consumer services does Experian offer?

Experian provides consumers with credit reports, FICO scores, and tools like No Ding Decline for credit improvement. It also offers bill negotiation and insurance shopping services. The company's consumer platform has over 215 million free members worldwide.

Why did Experian's stock fall despite record earnings in 2026?

Experian's stock fell 6.05% on the day of its earnings release and was down approximately 30% over the prior twelve months. This decline reflects broader market pressures, valuation concerns due to an elevated P/E ratio, and macroeconomic uncertainties linked to the Middle East.

Which customer segments does Experian serve?

Experian serves financial services companies for credit risk assessment, automotive dealers for vehicle financing, healthcare providers for patient payment risk, retailers for identity verification, and government agencies for identity management and fraud prevention.

How did Experian's UK and Ireland region perform compared to other regions?

Experian's UK and Ireland region grew only 2% in FY26, significantly lagging other regions. North America grew 10% organically, Latin America grew 8%, and EMEA and Asia Pacific grew 5%, suggesting potential market saturation or competitive pressure in its home region.

Sources

  1. www.experianplc.com — FY26 annual report availability and financial reporting structure
  2. uk.finance.yahoo.com — Record FY26 revenue of $8.425 billion, 13% growth, $1 billion buyback, 25,200 employees, 215 million free members
  3. www.londonstockexchange.com — Detailed FY26 financial results including $2.407 billion benchmark EBIT, 28.6% margin, regional growth breakdown, FY27 guidance
  4. www.investing.com — Stock price decline of 6.05% on earnings day, closing at 2,710 pence, 30% drop over prior twelve months
  5. www.experian.com — Consumer-facing product offerings including credit reports, FICO scores, No Ding Decline, bill negotiation, and insurance shopping