EarningsQ4 2026 Earnings Report

Experian (EXPGF) Q4 2026 Earnings Report

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Previous Report: Q2 2026

EXPGF Q4 2026 EPS Results

Actual EPS$0.95

Consensus EPS$0.94

Beat/MissBeat by +<$0.01

One Year Ago EPS$0.80

EXPGF Q4 2026 Revenue Results

Actual Revenue$4.34B

Expected Revenue$4.37B

Beat/MissMissed by -$37.29M

YoY Revenue Growth+6.62%

Earnings Announcement Details

QuarterQ4 2026

Date05/20/2026

TimeBefore Open

Conference CallWednesday, May 20, 2026

EXPGF Upcoming Earnings

Experian's next earnings date is estimated for November 18, 2026, based on past reporting schedules.

Q4 2026 Earnings Call Audio

EXPGF Q4 2026 Earnings Call

0:00 / 0:00

Q4 2026 Earnings Slide Deck

Q4 2026 Earnings Call Summary

Q4 2026

Earnings Call Date:May 20, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call presents a strongly positive performance: record-year financials, broad-based organic revenue growth, double-digit EPS growth, margin expansion ahead of guidance, robust cash generation, completed cloud migration milestones in key markets, and aggressive AI and platform-driven growth initiatives (identified $15B incremental TAM). Notable near-term headwinds include the wind-down of two large breach contracts, FICO mortgage royalty impact, mortgage volume sensitivity to rates, higher interest costs, and some regional/B2B cyclicality. Overall, strategic progress, platform scale, strong renewals and capital returns indicate momentum outweighs manageable short-term challenges.

Company Guidance

Guidance for FY‑27: Experian expects double‑digit Benchmark EPS growth, with total reported revenue up 8–11% and organic revenue up 6–8% (completed acquisitions contributing ~1ppt); Benchmark EBIT margin to improve ~50bps on a constant currency basis (FX a 1–2% tailwind). Net interest is guided to $250–260m, Benchmark tax rate ~26%, capital expenditure about 8% of revenue (FY‑26 was 8.6%), and Benchmark operating cash‑flow conversion above 90%. The company assumes lapping a one‑time North America volume true‑up and the wind‑down of two large breach contracts (and flags the FICO mortgage royalty as a headwind); completed buybacks and M&A imply a FY‑26 net debt/EBITDA of 1.7x (pro‑forma ~2.3x), WANOS 880–885m (closing share count ~870m) after an additional $1bn buyback (total $2bn announced).

Strong Organic Revenue Growth

Organic revenue grew 8% for FY'26 (9% in Q4). Total revenue from ongoing activities increased 13% at actual rates and 11% at constant rates, adding nearly $1 billion of incremental revenue during the year.

Robust Earnings and Margin Expansion

Benchmark EPS rose 15% at actual rates (13% at constant rates). Benchmark EBIT increased 15% at actual rates (13% at constant rates) to over $2.4 billion. Benchmark EBIT margin expanded to 28.6% with organic constant-currency margin improvement of 90 basis points for the year.

Excellent Cash Generation and Returns

Benchmark operating cash flow exceeded $2.2 billion with operating cash flow conversion above 90%. Return on capital employed (ROCE) improved to 17.2% on a larger capital base.

North America Outperformance

North America delivered 10% organic revenue growth (total North America revenue $5.6 billion, up 11%). North America Financial Services grew 14% and the mortgage-related revenue grew ~45% for the year (noting volume nuances).

Consumer Services Scale and Engagement

Consumer Services revenue in North America exceeded $1.7 billion (organic +6%). Global consumer membership expanded to over 215 million members. North America marketplace grew over 20% for the year and paid membership grew ~2%.

Latin America Momentum

Latin America delivered 8% organic growth for FY'26 and accelerated into Q4 with 17% organic growth. Latin America Consumer Services grew ~23% for the year (33% in Q4) and now exceeds $300 million in annual revenue.

Product and M&A Contributions

New products added $2 billion to revenue. Strategic acquisitions (ClearSale, AtData, Own Up, others) enhanced fraud, identity and mortgage marketplace capabilities and are expected to contribute ~1 percentage point to FY'27 revenue growth from completed deals.

Cloud Migration and Productivity Gains

Cloud migration targets achieved in North America and Brazil; company reached peak of cloud program with dual-run costs now peaking and expected to decline. Organic FTE growth broadly flat across FY'25 and FY'26; labor costs as a percentage of revenue reduced by over 300 basis points over two years.

AI Strategy and Incremental TAM

Company identified over $15 billion of incremental addressable market (AI-enabled use cases). AI initiatives (Patient Access Curator, Know Your Agents, Ascend modules) and partnerships (ServiceNow, OpenAI, Google/Gemini, Snap) driving product expansion and productivity (coder productivity gains 10–15% on average, isolated 30%+).

Shareholder Returns and Balance Sheet Flexibility

Board approved an 11% increase in the full-year dividend (total FY'26 dividend $0.6925) and announced an additional $1 billion share buyback, adding to the $1 billion program announced in January (total announced buybacks $2 billion). Net debt to Benchmark EBITDA was 1.7x at year-end (pro forma 2.3x after announced buybacks/acquisitions).

EXPGF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change
Nov 18, 2026	2027 (Q2)	0.93 / -	0.846	―
May 20, 2026	2026 (Q4)	0.94 / 0.95	0.803	18.31% (+0.15)
Nov 12, 2025	2026 (Q2)	0.86 / 0.85	0.755	12.05% (+0.09)
May 14, 2025	2025 (Q4)	0.85 / 0.80	0.742	8.22% (+0.06)
Nov 13, 2024	2025 (Q2)	0.75 / 0.76	0.704	7.24% (+0.05)
May 15, 2024	2024 (Q4)	0.75 / 0.74	0.695	6.76% (+0.05)
Nov 15, 2023	2024 (Q2)	0.73 / 0.70	0.333	111.41% (+0.37)
May 17, 2023	2023 (Q4)	0.68 / 0.69	0.625	11.20% (+0.07)
Nov 16, 2022	2023 (Q2)	0.68 / 0.33	0.54	-38.33% (-0.21)
May 18, 2022	2022 (Q4)	0.65 / 0.63	0.543	15.10% (+0.08)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed