Experian (EXPN) AI Stock Analysis

• Market Cap: $34.51B
• Dividend Yield: 1.24%
• Average Volume (3M): 1.49M
• Price to Earnings (P/E): 37.8
• Beta (1Y): 1.49
• Revenue Growth: 4.41%
• EPS Growth: -4.31%
• Country: UK
• Employees: 22,500
• Sector: Industrials
• Sector Strength: 72
• Industry: Consulting Services
• EPS (TTM): 0.59
• Shares Outstanding: 917,701,500
• 10 Day Avg. Volume: 2,241,898
• 30 Day Avg. Volume: 1,494,529
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.06
• Enterprise Value/Revenue: 4.86
• Enterprise Value/Gross Profit: 11.87
• Enterprise Value/Ebitda: 14.15
• 1Y Price Target: $4,369.66
• Price Target Upside: 14.60% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 8

• Rating: 70 Outperform
• Price Target: 4,244.00p ▲(11.30% Upside)

Experian's overall stock score reflects its strong financial performance, which is the most significant factor, supported by robust revenue growth and efficient cash flow management. Technical analysis presents a mixed outlook with neutral indicators, while valuation suggests the stock is relatively expensive. The absence of earnings call data and corporate events does not impact the score.

Positive Factors

Negative Factors

Experian Business Overview & Revenue Model

Company Description

Experian 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 Money

Experian generates revenue primarily through its Credit Services and Decision Analytics segments. In Credit Services, the company charges businesses for access to consumer credit data, which is vital for credit decisions and risk management. The Decision Analytics segment earns revenue by providing businesses with advanced data analytics solutions that help in fraud prevention and credit scoring. Additionally, Experian's Marketing Services division offers data-driven marketing solutions that allow companies to target customers more effectively, generating revenue through subscription-based models and project-based fees. The Consumer Services segment provides direct-to-consumer products, including credit monitoring and identity protection services, which are monetized through subscription fees. Significant partnerships with financial institutions and technology companies further bolster revenue, as Experian collaborates with these entities to enhance their data offerings and analytics capabilities.

Experian Financial Statement Overview

Summary

Experian's financial health is strong, with consistent 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 overall financial stability.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	7.52B	7.52B	7.10B	6.62B	6.29B	5.37B
Gross Profit	3.08B	3.08B	3.42B	3.17B	2.98B	2.52B
EBITDA	2.58B	2.58B	2.42B	1.99B	1.78B	1.80B
Net Income	1.17B	1.17B	1.20B	770.00M	1.17B	803.00M
Balance Sheet
Total Assets	12.89B	12.89B	11.71B	10.86B	10.89B	10.07B
Cash, Cash Equivalents and Short-Term Investments	404.00M	404.00M	320.76M	209.00M	186.00M	200.00M
Total Debt	5.02B	5.02B	4.27B	4.10B	4.10B	4.34B
Total Liabilities	7.80B	7.80B	7.04B	6.90B	6.89B	6.95B
Stockholders Equity	5.05B	5.05B	4.63B	3.93B	3.97B	3.08B
Cash Flow
Free Cash Flow	1.96B	1.96B	1.11B	1.09B	1.29B	1.07B
Operating Cash Flow	2.00B	2.00B	1.75B	1.72B	1.80B	1.49B
Investing Cash Flow	-1.92B	-1.85B	-1.10B	-948.00M	-1.12B	-827.00M
Financing Cash Flow	-49.52M	-62.00M	-551.00M	-722.00M	-687.00M	-747.00M

Experian Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3813.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 3813 is below the 20-day moving average (MA) of 3840.10, below the 50-day MA of 3885.12, and above the 200-day MA of 3723.45, indicating a neutral trend. The MACD of -10.77 indicates Positive momentum. The RSI at 47.22 is Neutral, neither overbought nor oversold. The STOCH value of 24.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:EXPN.

Experian Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WIL	82 Outperform	298.27M	8.38	0.00%	3.37%	-8.18%	90.18%
ELIX	76 Outperform	388.94M	23.56	12.40%	2.14%	29.64%	-7.27%
RWS	71 Outperform	326.54M	13.07	5.28%	14.10%	-0.78%	0.00%
EXPN	70 Outperform	$34.51B	37.77	24.07%	1.24%	4.41%	-4.31%
DATA	66 Neutral	1.02B	73.48	7.33%	0.94%	9.25%	-51.82%
FNTL	64 Neutral	237.56M	37.65	5.80%	1.60%	23.37%	4.75%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%

Experian Corporate Events

Experian Enhances Shareholder Value with Continued Share Repurchase

Experian plc has announced the repurchase of 38,000 of its ordinary shares on the London Stock Exchange as part of its ongoing share repurchase program. The shares will be held as treasury shares, and the company now holds a total of 55,912,170 shares in treasury. This move is part of Experian’s strategy to manage its capital structure and enhance shareholder value, reflecting its strong market position and commitment to returning value to its stakeholders.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4234.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Experian Continues Share Repurchase Program

Experian plc announced the continuation of its share repurchase program, purchasing 114,000 ordinary shares on the London Stock Exchange. The shares will be held as treasury shares, with the company now holding 55,874,170 shares in treasury. Since the start of the program, Experian has acquired 1,637,298 shares, leaving 917,684,725 shares in issue excluding treasury shares. This move reflects Experian’s strategy to manage its capital structure effectively and may have implications for shareholder value.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4234.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Experian Continues Share Repurchase Program

Experian plc has announced the continuation of its share repurchase program, purchasing 21,298 ordinary shares on the London Stock Exchange through J.P. Morgan Securities plc. The shares will be held as treasury shares, increasing the total to 55,760,170 treasury shares. This move is part of Experian’s strategy to manage its capital structure and return value to shareholders, reflecting confidence in its financial health and future growth prospects.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4234.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Experian Continues Share Repurchase Program with Latest Acquisition

Experian plc has announced the continuation of its share repurchase program, purchasing 38,000 ordinary shares on the London Stock Exchange through J.P. Morgan Securities plc. The shares, bought at a weighted average price of 3,842.2381 pence, will be held as treasury shares, bringing the total number of shares held in treasury to 55,738,872. This move is part of Experian’s strategy to manage its capital structure and return value to shareholders, reflecting confidence in its financial position and market strategy.

The most recent analyst rating on (GB:EXPN) stock is a Hold with a £4044.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Experian Advances Share Repurchase Programme with Latest Acquisition

Experian plc announced the purchase of 38,000 ordinary shares as part of its ongoing share repurchase programme, initially holding these shares as treasury shares. This move is part of a broader strategy to manage the company’s capital structure, with a total of 1,464,000 shares repurchased since the programme’s announcement, potentially impacting shareholder value and market perception.

The most recent analyst rating on (GB:EXPN) stock is a Hold with a £4044.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Experian Announces New Share Listing on London Stock Exchange

Experian plc has announced an application for the admission of 48,000 ordinary shares to the Official List of the London Stock Exchange, expected to be effective on 5 September 2025. These shares, reserved under a block listing, are part of the Experian International Sharesave Plan and will hold equal status with existing shares, indicating a strategic move to enhance employee investment and engagement.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4215.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Experian Expands Share Repurchase Program with Recent Buyback

Experian PLC has announced the purchase of 38,000 of its ordinary shares as part of its ongoing share repurchase program, initially announced in June 2025. The shares were bought on the London Stock Exchange and will be held as treasury shares, bringing the total number of shares held in treasury to 55,662,872. This move is part of Experian’s strategy to manage its capital structure and return value to shareholders, reflecting confidence in its financial health and future growth prospects.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4215.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.

Experian Continues Share Repurchase Program

Experian plc announced the continuation of its share repurchase program, purchasing 38,000 ordinary shares on the London Stock Exchange. The shares, bought at an average price of 3,825.4484 pence, will be held as treasury shares, bringing the total held in treasury to 55,624,872. This move is part of Experian’s strategy to manage its capital structure effectively, potentially enhancing shareholder value and indicating confidence in the company’s future performance.

The most recent analyst rating on (GB:EXPN) stock is a Buy with a £4215.00 price target. To see the full list of analyst forecasts on Experian stock, see the GB:EXPN Stock Forecast page.