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Experian
(OTC:EXPGY)
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Rating:78Outperform
Price Target:
$46.00
▲(12.14% Upside)
Action:Reiterated
Date:08/22/26
The score is driven primarily by strong financial performance and a constructive FY'27 outlook from the earnings call (growth, margin progression, high cash conversion, and continued buybacks/dividend growth). Technicals also support the rating with a clear uptrend and positive MACD, though short-term momentum looks stretched (high Stochastic). Valuation is reasonable but not cheap given a ~24x P/E and modest yield.
Positive Factors
Broad-based revenue and profit growth
Experian is expanding revenue while converting growth into stronger operating earnings. Broad-based performance across regions and verticals supports business resilience and indicates that demand for data, analytics and decisioning remains durable.
Negative Factors
Moderate-to-elevated leverage
Leverage remains manageable but limits financial flexibility relative to a lightly indebted business. Debt obligations could constrain acquisition capacity or shareholder returns if operating conditions weaken or interest costs remain elevated.
Read all positive and negative factors
Positive Factors
Negative Factors
Broad-based revenue and profit growth
Experian is expanding revenue while converting growth into stronger operating earnings. Broad-based performance across regions and verticals supports business resilience and indicates that demand for data, analytics and decisioning remains durable.
Read all positive factors
Experian Key Performance Indicators (KPIs)
Any
Revenue by Segment
Analyzes revenue from different business segments, highlighting which areas drive growth and profitability, and indicating strategic focus or potential vulnerabilities.
Analyzes revenue from different business segments, highlighting which areas drive growth and profitability, and indicating strategic focus or potential vulnerabilities.
Data provided by:
The Fly
The FlyExperian (EXPGY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$36.44B
Dividend Yield1.69%
Average Volume (3M)53.98K
Price to Earnings (P/E)25.0
Beta (1Y)0.90
Revenue Growth12.72%
EPS Growth29.51%
CountryUS
Employees25,200
SectorIndustrials
Sector Strength72
IndustrySpecialty Business Services
Share Statistics
EPS (TTM)1.66
Shares Outstanding887,172,500
10 Day Avg. Volume97,423
30 Day Avg. Volume53,985
Financial Highlights & Ratios
PEG Ratio0.73
Price to Book (P/B)5.75
Price to Sales (P/S)3.77
P/FCF Ratio14.52
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.02
Revenue Forecast (FY)$9.18B
Experian Business Overview & Revenue Model
Company Description
Experian plc is a global technology firm that delivers services through two primary divisions: Business-to-Business and Consumer Services. For its business clients, the company offers specialized data analytics to help identify and better understa...
How the Company Makes Money
Experian primarily makes money by selling data-driven products and services across its business-to-business and direct-to-consumer offerings. (1) Credit Services: Experian generates revenue by providing credit bureau services such as credit report...
Experian Earnings Call Summary
Earnings Call Date:May 20, 2026
(Q4-2026)
| % Change Since: |
Next Earnings Date:Nov 18, 2026
Earnings Call Sentiment Positive
The call emphasizes a strong, record financial year with broad-based revenue growth, margin expansion, robust cash generation, significant strategic progress on cloud migration, AI initiatives and platform adoption, and active capital returns. Near-term headwinds include the wind-down of legacy data breach contracts, mortgage volume sensitivity, short-term acquisition and transition-related margin pressures, and some regional B2B softness. Overall, positives around execution, AI-led TAM expansion, platform momentum and capital discipline materially outweigh the manageable challenges highlighted.Positive Updates
Record Financial Performance
FY'26 was a record year: revenue from ongoing activities up 13% at actual rates (11% constant) with organic revenue growth of 8% for the year (9% in Q4). Benchmark EBIT grew 15% (13% constant) to over $2.4bn and Benchmark EPS rose 15% (13% constant).
Negative Updates
Data Breach Contract Wind-Down and Partner Solutions Volatility
Two large long-term data breach contracts are rolling off, creating near-term volatility in Partner Solutions. The contracts represented around $20m of quarterly revenue, with approximately half dropping out in Q4 and the remainder reducing in early FY'27; Partner Solutions was modestly down for the year.
Read all updates
Q4-2026 Updates
Positive
Negative
Record Financial Performance
FY'26 was a record year: revenue from ongoing activities up 13% at actual rates (11% constant) with organic revenue growth of 8% for the year (9% in Q4). Benchmark EBIT grew 15% (13% constant) to over $2.4bn and Benchmark EPS rose 15% (13% constant).
Read all positive updates
Company Guidance
Experian guided FY'27 to total reported revenue growth of 8–11% (organic 6–8%, with completed acquisitions contributing ~1 percentage point) and another year of double‑digit Benchmark EPS growth, with Benchmark EBIT margin progression of ~50 basis points at constant exchange rates. Management expects foreign‑exchange to be a 1–2% benefit to revenue and EBIT, net interest of $250–260m, a Benchmark tax rate of ~26%, CapEx of about 8% of revenue, and Benchmark operating cash‑flow conversion above 90%. Weighted average number of shares is expected to be 880–885m during the year with a closing share count around 870m as the company executes a further $1bn buyback (adding to $1bn announced in January); guidance starts around the middle of the ranges and reflects headwinds from FICO mortgage royalties and the wind‑down of two large breach contracts.Experian Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
71
Positive
Cash Flow
79
Positive
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 8.47B | 7.52B | 7.10B | 6.62B | 6.29B |
| Gross Profit | 3.27B | 3.60B | 3.42B | 3.17B | 2.98B |
| EBITDA | 3.03B | 2.48B | 2.42B | 1.98B | 2.23B |
| Net Income | 1.51B | 1.17B | 1.20B | 770.00M | 1.17B |
Balance Sheet | |||||
| Total Assets | 14.29B | 12.89B | 11.71B | 10.86B | 10.89B |
| Cash, Cash Equivalents and Short-Term Investments | 359.00M | 390.00M | 321.00M | 209.00M | 186.00M |
| Total Debt | 5.57B | 5.02B | 4.27B | 4.10B | 4.10B |
| Total Liabilities | 8.71B | 7.80B | 7.04B | 6.90B | 6.89B |
| Stockholders Equity | 5.54B | 5.05B | 4.63B | 3.93B | 3.97B |
Cash Flow | |||||
| Free Cash Flow | 2.20B | 1.35B | 1.11B | 1.09B | 1.29B |
| Operating Cash Flow | 2.25B | 2.00B | 1.75B | 1.72B | 1.80B |
| Investing Cash Flow | -1.35B | -1.85B | -1.10B | -948.00M | -1.12B |
| Financing Cash Flow | -956.95M | -62.00M | -551.00M | -722.00M | -687.00M |
Experian Technical Analysis
Positive
41.02
Price Trends
37.25
Positive
36.24
Positive
37.76
Positive
Market Momentum
1.08
Negative
63.36
Neutral
97.58
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EXPGY, the sentiment is Positive. The current price of 41.02 is above the 20-day moving average (MA) of 39.50, above the 50-day MA of 37.25, and above the 200-day MA of 37.76, indicating a bullish trend. The MACD of 1.08 indicates Negative momentum. The RSI at 63.36 is Neutral, neither overbought nor oversold. The STOCH value of 97.58 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EXPGY.
Experian Peers Comparison
UnderperformOutperform
Sector (63)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $36.44B | 25.01 | 27.49% | 1.90% | 12.72% | 29.51% | |
73 Outperform | $63.05B | 21.21 | 125.53% | 2.61% | 5.77% | 25.08% | |
72 Outperform | $2.96B | 24.88 | 7.08% | ― | 14.32% | 22.61% | |
71 Outperform | $1.79B | 19.24 | 15.04% | 0.67% | 12.36% | -28.24% | |
65 Neutral | $3.61B | 142.61 | 1.93% | ― | 32.89% | ― | |
65 Neutral | $15.03B | 29.69 | 37.55% | 0.64% | 6.61% | 53.23% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% |
* Industrials Sector Average
EXPGY
Experian
40.21
-9.05
-18.37%
CBZ
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54.41
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-15.01%
EVTC
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29.16
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RELX
Relx
35.70
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-19.32%
FA
First Advantage
21.02
5.12
32.20%
ULS
UL Solutions Inc. Class A
74.52
10.92
17.17%
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.