AI Spotlight on EXPN
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.
Market Data
Last Price | 4007 |
Change Percentage | 0.55% |
Open | 4000 |
Previous Close | 3985 |
Market Cap ( Millions) | 36670 |
Volume | 2421836 |
Year High | 4021 |
Year Low | 3150 |
M A 50 | 3650.06 |
M A 200 | 3671.95 |
Financial Ratios
FCF Yield | 3.89% |
Dividend Yield | 0.83% |
ROE | 25.15% |
Debt / Equity | 109.43% |
Net Debt / EBIDTA | 225.24% |
Price To Book | 9.62 |
Price Earnings Ratio | 38.72 |
Price To FCF | 25.73 |
Price To sales | 6.23 |
EV / EBITDA | 22.93 |
News
- Jan -30 - New GenAI Solution Experian Assistant Wins 2025 BIG Innovation Award
- Jan -29 - Experian Launches Virtual Service to Streamline Form I-9 Compliance
- Jan -28 - Experianβs Latest Fraud Forecast Reveals Viral Crimes, Crypto Scams and More Could Threaten Businesses and Consumers in 2025
- Jan -20 - Fair Isaac Jumps 47% in a Year: How Should You Play the Stock?
- Jan -16 - Experian plc's (LON:EXPN) largest shareholders are retail investors with 51% ownership, institutions own 48%
- Jan -09 - Morgan Stanley names Experian as "top pick" in European business services sector
- Jan -08 - Experian Achieves Workday Certified Integration to Optimize I-9 Management
- Jan -07 - Experian credit bureau sued for allegedly failing to properly probe consumer complaints
- Jan -07 - US consumer watchdog sues Experian over consumer credit accuracy
- Jan -07 - US consumer watchdog sues Experian over consumer credit accuracy
- Jan -06 - New Year, New Finances: Experian Shows How Consumers Can Make a Financial Touchdown with New Ad Campaign
- Jan -03 - Rise in EV financing may signal growing interest among consumers: Experian
- Jan -01 - A Look At The Intrinsic Value Of Experian plc (LON:EXPN)
- Dec -27 - My mother is giving my son $100K for a down payment. Can she wait until the last minute to put the money in his account?
- Dec -13 - Experianβs 2024 Global Identity & Fraud Report Spotlights Huge Growth in Highly Personalized GenAI-Driven Fraud Attacks
- Dec -10 - Experianβs Legacy League Game Showβ’ CelebratesΒ One-Year Anniversary of Empowering HBCU and HSI Students
- Dec -10 - UKG and Experian Integration Streamlines Critical Workforce Management Tasks
- Dec -09 - Experian Introduces No Ding Decline to Help Consumers Apply for Credit Cards With Confidence
- Dec -05 - New Electric Vehicle Financing Grows More Than 30% Year-Over-Year, According to Experian Report
- Dec -04 - Experian Accelerates Identity and Activation Capabilities With Acquisition of Audigent
Business Breakdown
Expected Mid-Term Growth
Segment nΒ°1 -> Business-to-Business
Expected Growth : 7 %
What the company do ?
Experian's Business-to-Business (B2B) segment provides data and analytics to help businesses make informed decisions, manage risk, and optimize operations.
Why we expect these perspectives ?
Experian plc's 7% growth in Business-to-Business segment is driven by increasing demand for data-driven insights, expansion into new markets, and strategic partnerships. Growing adoption of digital technologies, rising need for risk management and compliance, and increasing importance of customer experience are also contributing to this growth.
Segment nΒ°2 -> Consumer Services
Expected Growth : 9 %
What the company do ?
Experian's Consumer Services provide credit reports, scores, and monitoring, enabling individuals to manage their financial health and identity protection.
Why we expect these perspectives ?
Experian's Consumer Services segment growth is driven by increasing demand for credit monitoring and identity theft protection, expansion into new markets, and strategic partnerships. The 9% growth rate is also fueled by the rise of digital lending, growth in e-commerce, and increasing consumer awareness of credit scores and reports.
Experian Plc Products
Product Range | What is it ? |
---|---|
Credit Reports | Comprehensive credit reports providing detailed information on an individual's or business's credit history, payment behavior, and creditworthiness. |
Identity Verification | Advanced identity verification solutions to prevent fraud, ensure compliance, and protect sensitive information. |
Credit Scores | Three-digit credit scores that summarize an individual's or business's credit history and creditworthiness. |
Fraud Detection | Advanced fraud detection solutions to identify and prevent fraudulent activities. |
Marketing Services | Data-driven marketing solutions to help businesses acquire, retain, and grow customer relationships. |
Data and Analytics | Comprehensive data and analytics solutions to help businesses make informed decisions. |
Decisioning Solutions | Automated decisioning solutions to streamline credit decisions, reduce risk, and improve customer experience. |
Business Credit Reports | Comprehensive business credit reports providing detailed information on a company's credit history and creditworthiness. |
Experian plc's Porter Forces
Threat Of Substitutes
Experian plc operates in a highly competitive market, but the threat of substitutes is mitigated by the company's strong brand recognition and diversified product offerings.
Bargaining Power Of Customers
Experian plc's customers are largely dependent on the company's services, which reduces their bargaining power. Additionally, the company's diversified customer base reduces the impact of any single customer.
Bargaining Power Of Suppliers
Experian plc has a diversified supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position also gives it negotiating power with suppliers.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the credit reporting and information services industry. Experian plc's strong brand recognition and established customer base also make it difficult for new entrants to gain traction.
Intensity Of Rivalry
The credit reporting and information services industry is highly competitive, with several established players competing for market share. Experian plc must continually innovate and invest in its products and services to maintain its market position.
Strength
Capital Structure
Value | |
---|---|
Debt Weight | 51.06% |
Debt Cost | 5.08% |
Equity Weight | 48.94% |
Equity Cost | 7.19% |
WACC | 6.11% |
Leverage | 104.33% |
Experian plc : Quality Control
Experian plc passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
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