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]