Core Insights - Experian reported a strong performance in Q3 with total revenue increasing by 12% at actual exchange rates and 10% in constant currency, while organic revenue grew by 8% [5][6] - The company maintained its full-year guidance, indicating continued momentum in North America and a target of 30-50 basis points of margin progression for the year [6][17] Revenue Growth - In B2B financial services (excluding mortgage), organic revenue growth was 9%, up from 8% in Q2, driven by key client wins and new product adoption [1] - North America achieved 10% organic revenue growth overall, with B2B growing by 11% and consumer services by 8% [2] - By region, organic revenue growth was reported as 10% in North America, 6% in Latin America, 3% in the U.K. and Ireland, and 3% in EMEA and Asia Pacific [3] Segment Performance - Global B2B organic revenue grew by 7%, while global consumer services rose by 10% [3] - In North America, consumer services rose by 8%, primarily driven by marketplace growth across credit cards, personal loans, and insurance [9] Acquisitions and Market Dynamics - Acquisitions contributed 2% to growth in Q3, with mortgage revenue increasing by 45% due to pricing benefits [4][6] - The integration of ClearSale is progressing well, supporting new business opportunities, while fraud and identity offerings performed strongly [12] Regional Insights - In Latin America, consumer services surged by 23%, although B2B remained flat due to high interest rates and consumer indebtedness impacting lending activity [11] - The U.K. and Ireland saw organic revenue growth of 3%, with consumer services up 14%, supported by the Ascend platform [14] Future Outlook - Management expressed optimism about improving trends and an uptick in the pipeline, suggesting potential revenue growth in the coming quarters [14] - A fuller update on profitability is expected at year-end results, with guidance for margin progression remaining intact [17]

Core Viewpoint - The article provides a buy rating for Experian, highlighting the strength of its Ascend platform and the growth of its Consumer Services business [1]. Group 1: Company Performance - The Ascend platform is well integrated into the workflows of major lenders, indicating strong market adoption and utility [1]. - The Consumer Services business has evolved into a platform that utilizes real data, showcasing its scalability and relevance in the market [1]. Group 2: Investment Strategy - The author emphasizes a diversified investment approach, incorporating fundamental, technical, and momentum investing strategies to enhance the investment process [1].

Core Viewpoint - The article provides a buy rating for Experian, highlighting the strength of its Ascend platform and the growth of its Consumer Services business, which has developed into a robust data platform [1]. Group 1: Company Overview - Experian's Ascend platform is well integrated into the workflows of major lenders, indicating its importance in the lending industry [1]. - The Consumer Services segment has scaled effectively, transforming into a platform that offers real data, which enhances its value proposition [1]. Group 2: Investment Strategy - The author emphasizes a diversified investment approach, incorporating fundamental, technical, and momentum investing strategies to refine the investment process [1].

Group 1 - The session is part of the Global Credit Bureau Forum, featuring presentations from Experian's senior business leaders and showcasing their products [1] - The agenda includes an overview from the Group CFO, followed by presentations on North America Consumer Services, U.K. Consumer Services, and Brazil Consumer Services [2] - The session will conclude with a Q&A involving the senior leadership team, allowing for audience interaction [3]