- Price
- $35.48 → $37.63(+6.1%)
- Fair value
- $42.00 → $55.00(+31.0%)
- Discount
- 15.5% → 31.6%(+16.1 pts)
- Moat
- Narrow → Wide
- Recent events
- 2026-10-12: FHFA director Bill Pulte cancelled his planned appearance at the Mortgage Bankers Association convention in Chicago, where many in the industry expected him to announce the move to reports from two bureaus. The MBA said that he named scheduling conflicts. The FHFA made no announcement at the convention, so lenders must still deliver reports from all three bureaus to Fannie Mae and Freddie Mac.
2026-10-06: Experian launched the Experian Cashflow Data Bureau, a new US consumer reporting agency for bank-account cash flow data that lenders can use with credit files.
2026-10-01: Bloomberg reported that the FHFA plans to let Fannie Mae and Freddie Mac accept credit reports from any two of the three national bureaus instead of all three. The report said that the FHFA director was expected to announce the change at the Mortgage Bankers Association convention on October 12, 2026. US bureau shares fell on October 2.
2026-09-04: FHFA director Bill Pulte told Fannie Mae and Freddie Mac to accept VantageScore 4.0 from all approved lenders. This ended a pilot for at most 50 lenders that started on May 1, 2026. He said that the bureaus charge too much and that the FHFA was considering reports from two bureaus. The Experian ADR fell 4.8% to $37.91 on the day. Experian co-owns VantageScore with Equifax and TransUnion.
2026-07-22: Shareholders approved all 17 resolutions at the annual meeting. Adam Crozier was elected with 98.97% of votes and became chair after the meeting. Brian Cassin was re-elected with 99.37%.
2026-07-16: The Q1 FY27 trading update showed total revenue up 10% at actual exchange rates and 7% organically, in the middle of the 6% to 8% guidance for the full year. North America B2B grew 11% organically. North America Consumer Services fell 2% because two data breach support contracts ended; without them it grew 3%. Experian did not change its full-year guidance.
2026-07-01: Serasa, the Brazilian unit of Experian, completed the purchase of idwall, a digital identity and fraud prevention company. Experian did not disclose the price. Brazilian press reports gave about BRL 400 million.
2026-06-17: Experian sold a US$1 billion bond with a 5.35% coupon, due on August 24, 2036. The money is for general purposes, which include the repayment of debt.
2026-05-20: Experian reported results for FY26, the year to March 31, 2026. Ongoing revenue was $8,425 million, up 13% at actual exchange rates and 8% organically. The Benchmark EBIT margin was 28.6%, up 50 basis points at actual rates. Benchmark EPS rose 15%. The board increased the full-year dividend by 11% to 69.25 US cents. Experian bought back $725 million of shares in FY26 and announced a new $1 billion buyback through June 2027. FY27 guidance is 6% to 8% organic growth and a margin gain of about 50 basis points.
2026-04-21: Experian named Adam Crozier, chair of BT Group and a former CEO of ITV, as chair designate. He was to replace Mike Rogers as chair after the July 2026 annual meeting.
2026-01-26: Experian shares fell to a two-year low. Analysts, including Panmure Liberum, named the fear that AI will disrupt credit bureaus, the weak US dollar and the FICO plan to sell mortgage scores directly to lenders. The fall started after the Q3 FY26 trading update of January 21, 2026, which showed 8% organic growth.
2025-11-12: Experian reported H1 FY26 results, for the six months to September 30, 2025. Revenue grew 12% at constant exchange rates and 8% organically. Organic growth increased from 8% in Q1 to 9% in Q2. Benchmark EBIT grew 14%, and the margin rose 50 basis points. The board increased the interim dividend by 10% to 21.25 US cents and moved full-year guidance to about 8% organic growth.
2025-10-22: A US federal court denied the motion of Experian to dismiss the January 2025 CFPB lawsuit. The lawsuit says that Experian did "sham investigations" of consumer disputes about credit reports, against the Fair Credit Reporting Act. The court told Experian to answer the complaint. In January 2026 the court struck some of the defenses of Experian.
2025-10-02: FICO announced that it will license its credit scores directly to mortgage lenders and resellers, so that they can pay less to bureaus such as Experian for mortgage scores. On October 14, 2025, Experian made its VantageScore 4.0 mortgage scores free of charge for an indefinite period.