Experian (EXPGF) AI Stock Analysis

Experian

(Other OTC:EXPGF)

Rating:―N/A

Action:N/A

Date:―

No summary available

Positive Factors

Organic Revenue GrowthBroad-based organic growth demonstrates continued demand for Experian’s data, decisioning and identity offerings across customer markets. Sustained expansion increases operating scale, supports reinvestment in platforms and products, and strengthens the company’s ability to compound revenue over the next several quarters.

Negative Factors

Higher LeverageThe higher pro forma debt burden reduces financial flexibility relative to a more conservatively financed structure. Additional interest costs can absorb cash that might otherwise support innovation, acquisitions or shareholder returns, while leverage makes the business less resilient if growth or cash conversion weakens.

Experian (EXPGF) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $35.40B
Dividend Yield: 1.69%
Average Volume (3M): 1,971
Price to Earnings (P/E): 24.2
Beta (1Y): 0.87
Revenue Growth: 12.26%
EPS Growth: 28.97%
Country: US
Employees: 25,200
Sector: Industrials
Sector Strength: 63
Industry: Specialty Business Services

Experian Business Overview & Revenue Model

Company Description

Experian Plc is a global information services company, which engages in the provision of data and analytical tools that are used to manage credit risk, prevent fraud, target marketing offers, and automate decision making. Its activities are grouped i...

Experian Earnings Call Summary

Earnings Call Date:May 19, 2026(Q4-2026)|% Change Since:12.60%|Next Earnings Date:Nov 17, 2026

Earnings Call SentimentPositive

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.

Positive Updates

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.

Negative Updates

Partner Solutions Breach Contract Wind‑Down

Two long-term data breach contracts are being wound down, causing Partner Solutions revenue volatility. The contracts represented around $20 million of quarterly revenue with roughly half dropping out in Q4 and the remainder reducing in early FY'27.

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).

Experian Peers Comparison

Overall Rating

UnderperformOutperform

Sector (63)

Financial Indicators

EXPGF against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GB:REL	76Outperform	GBP 51.93B	23.75	125.53%	2.30%	1.95%	20.56%
GB:DATA	64Neutral	GBP 421.66M	13.30	12.09%	2.33%	8.63%	139.90%
Sector *	63Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%

* Industrials Sector Average

Performance Comparison

EXPGF and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
EXPGF	Experian plc (EXPGF)	40.42	-5.41	-11.81%
GB:DATA	GlobalData plc	64.40	-39.69	-38.13%
GB:REL	RELX plc	2992.00	-272.40	-8.34%

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.

Experian AI Stock Analysis