Not just a credit bureau or a data provider, Experian (LSE:EXPN) ( OTCQX:EXPGF )( OTCQX:EXPGY ) is both, and more. This value-add — alongside international diversification — is the reason why the company has thrived so far, despite macroeconomic headwinds, and is widely expected to continueAnalyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it ...

Experian plc (OTCQX:EXPGF) Q3 2025 Results Conference Call January 15, 2025 4:00 AM ET Company Participants Brian Cassin - CEO Lloyd Pitchford - CFO Conference Call Participants Ryan Flight - Jefferies Suhasini Varanasi - Goldman Sachs Andrew Ripper - Liberum Kelsey Zhu - Autonomous Sylvia Barker - JPMorgan Andrew Grobler - BNP Paribas Simon Clinch - Redburn Atlantic Arthur Truslove - Citi James Rose - Barclays Brian Cassin Hello, everybody, and welcome to our Q3 trading update call. I'm here as usual with ...

| --- | --- | --- | |-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------|-------| | | | | | | | | | | | | | | | | | Half-yearly results for the six months ended 30 September 2024 | | | | | | | | 13 November 2024 | | | | © Experian, 2024. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may ...

Financial Data and Key Metrics Changes - The company achieved 6% organic revenue growth for FY '24, at the top end of guidance, with total revenue growth at 8% when including acquisitions and FX [5][55] - Underlying EBIT margins improved by 10 basis points at constant currency, with benchmark EPS increasing by 8% [6][55] - Operating cash flow reached $1.9 billion, with a cash conversion rate of 97% [56][75] Business Line Data and Key Metrics Changes - Consumer Services led with 7% organic revenue growth, despite challenging market conditions [6][8] - North America Consumer Services grew 6% organically, supported by premium revenue stability and new features [37][62] - Latin America saw a strong performance with 13% organic growth, particularly in Consumer Services which grew 26% [41][44] Market Data and Key Metrics Changes - North America delivered organic revenue growth of 5%, with significant contributions from consumer services and health [31][58] - The U.K. experienced 2% organic revenue growth, with B2B growth at 3% [47][50] - EMEA and Asia Pacific achieved 7% organic revenue growth, with strong contributions from Australia and India [51][52] Company Strategy and Development Direction - The company is focused on driving strong top-line growth while benefiting from a normalizing credit environment and improving margin trajectory through technology efficiencies [4][28] - Strategic investments in technology transformation and product development are ongoing, with a commitment to innovation and growth [3][10] - The company aims to leverage its large consumer membership base to enter new categories and achieve scale quickly [19][21] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's resilience and ability to deliver growth despite challenging macro conditions [2][11] - The outlook for FY '25 includes expectations for continued strong organic growth and margin improvement [4][28] - Management highlighted the potential for future growth driven by technology transformation and enhanced consumer engagement [29][84] Other Important Information - The company completed several acquisitions, including illion in Australia, to strengthen its market position [10][52] - A share buyback program of up to $150 million has been announced, to be completed by June 2025 [78] Q&A Session Summary Question: Can you discuss the headwind to margin from the cloud transformation and the trajectory of CapEx normalization? - Management indicated that dual run costs from technology transformation are about 100 basis points and will sustain over the next two years, with CapEx expected to trend down to 7% by FY '29 [96][97] Question: How should we think about your capital allocation and potentially returning extra cash? - The company prioritizes reinvesting in growth opportunities but will consider enhanced buybacks if capital cannot be deployed effectively [98] Question: What are your expectations for Q1 and the first half of FY '25? - Management expects to start the year around 7% organic growth, with no broad-based recovery in lending volumes anticipated [106] Question: Can you provide more details on the growth in North America, particularly regarding Ascend and consumer services? - Ascend revenue for FY '24 was over $180 million, contributing significantly to growth, while consumer services benefited from a strong breach business [110][111] Question: What is the medium-term margin ambition for the U.K. and EMEA/Asia Pacific? - The company aims for 30% operating margins in the U.K. and 20% in EMEA/Asia Pacific, with confidence in achieving these targets [117]

Experian PLC (EXPGY) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #2 (Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years.Individual ...

The increased adoption and success of the work-from-home trend are enabling the Zacks Business – Information Services industry to address the rising demand for services that ensure risk mitigation, cost reduction and productivity improvement.The heightening technology adoption is benefiting companies like Experian plc (EXPGY) , FactSet Research Systems Inc. (FDS) and Intertek Group plc (IKTSY) , supporting them to offer digitally-transformed, personalized and value-added services.About the Industry The Zack ...

Jefferies has upgraded its recommendation on Experian (LSE:EXPN) PLC, moving to 'buy' from 'hold' while increasing its price target to 4,020p. This recalibration is founded on the credit checking agency's accelerated growth trajectory in Brazil and the business-to-consumer segment. This advance is anticipated to lead to an almost 14% compound annual growth rate between 2025 and 2027, outstripping the industry consensus. The expectation of heightened M&A activity, coupled with Experian's advantageous trading ...

Car buying is increasingly moving online, and scammers who target car buyers are following suit.With that in mind, Experian has debuted Fraud Protect, a tool to help auto dealers detect and prevent fraud attempts against their customers.“As fraudsters become more sophisticated and opportunistic, automotive dealers need to leverage the latest technology and advanced analytics to mitigate potential fraud risk,” John Gray, Experian’s president of automotive, North America, said in a news release Wednesday (Jan ...

Experian launched a new feature that can identify opportunities for consumers to save on recurring bills and paid subscriptions.The free savings scan feature is available to consumers who enroll in a free or paid Experian membership and connect their bank and credit card accounts, the global information services company said in a Monday (Jan. 29) press release.“There are many ways to find cost savings, including assessing recurring bills and securing better terms and rates,” Rod Griffin, senior director of ...

Experian (LSE:EXPN) upgraded its outlook for the year to March after organic revenue growth came in higher than expected for the past quarter. On an organic basis at constant exchange rates, revenue at the FTSE 100-listed credit reporting group grew 6% in the three months to the end of December, while total revenue at actual exchange rates was up 9%.  Chief executive Brian Cassin said the performance was at the upper end of expectations and for the full year the board now expects organic revenue growth to b ...