REG - Experian plc - Trading update, third quarter

ExperianAnnouncement

Today 07:00

For best results when printing this announcement, please click on link below:
https://newsfile.refinitiv.com/getnewsfile/v1/story?guid=urn:newsml:reuters.com:20260121:nRSU6734Pa&default-theme=true

RNS Number : 6734P  Experian plc  21 January 2026

 
 

news release

 

Trading update, third quarter

 

21 January 2026 ─ Experian plc, the global data and technology company,
today issues an update on trading for the three months ended 31 December
2025.

 

Brian Cassin, Chief Executive Officer, commented:

"We delivered strong Q3 growth, with revenue increasing 12% at actual exchange
rates, 10% at constant currency and 8% organically, all in-line with our
expectations.

"With continued strong momentum, our full year expectations are unchanged. We
continue to leverage our scaled proprietary data assets, strong technology
foundations and deep expertise to deliver on our strategic priorities and
crystallise exciting new AI opportunities."

% change in revenue from ongoing activities year-on-year for the three months
ended

31 December 2025

 Ongoing activities only  Total revenue growth %  Total revenue growth %      Organic revenue growth %
                          At actual               At constant exchange rates  At constant exchange rates

                          exchange rates(1)
 North America            11                      11                          10
 Latin America            25                      15                          6
 UK and Ireland           9                       5                           3
 EMEA and Asia Pacific    7                       4                           3
 Total global             12                      10                          8

1 Experian reports in US dollars.

 

% change in organic revenue year-on-year for the three months ended 31
December 2025

 Organic revenue growth %(2)  B2B(3)  Consumer Services  Total

 North America                11      8                  10
 Latin America                0       23                 6
 UK and Ireland               0       14                 3
 EMEA and Asia Pacific        3       n/a                3
 Total global                 7       10                 8

2 Ongoing activities only, at constant exchange rates.

3 B2B = Business-to-Business business lines which consists of Financial
Services and Verticals.

 

% change in organic revenue year-on-year for the three months ended 31
December 2025

 Ongoing activities only  Percentage of Group Revenue(4)  Total revenue growth %      Organic revenue growth %
                          At actual                       At constant exchange rates  At constant exchange rates

                          exchange rates
 Financial Services       52                              10                          7
 Verticals                20                              10                          7
 B2B                      72                              10                          7
 Consumer Services        28                              10                          10
 Total global             100                             10                          8

4 Percentage of Group Revenue for the six months ended 30 September 2025 at
actual exchange rates.

 

North America - 68% of Group revenue(4)

 

North America delivered organic revenue growth of 10%. Total revenue growth
was 11%.

 

B2B organic revenue growth was 11%.

 

Financial Services delivered a strong performance, reflecting continued
progress against our strategic priorities. Growth was supported by strong
contributions from Clarity, commercial momentum in our new Cashflow products,
mortgage profiles, and healthy underlying client activity. Within Verticals,
Automotive maintained its recent momentum, led by our credit, vehicle history
and value recovery solutions. Health also delivered strongly, supported by our
claims management products and increasing uptake of Patient Access Curator,
our AI‑powered registration platform.

 

Consumer Services delivered organic revenue growth of 8%, as anticipated after
the one-time contractual catch-up in our insurance business in Q2. Marketplace
was a key driver with growth across credit cards, personal loans and
insurance, and supported by the onboarding of additional lenders to our
Activate capability and expanded partner adoption of our innovative No Ding
Decline feature. Partner Solutions growth was supported by good performance at
existing clients and new business wins.

 

Latin America - 14% of Group revenue(4)

 

Latin America delivered organic revenue growth of 6%. At constant currency,
total revenue growth was 15%, primarily from the ClearSale acquisition.

 

B2B organic revenue growth was flat, consistent with recent trends and
impacted by ongoing macroeconomic activity and elevated interest rates. In
Brazil, strategic focus areas such as fraud prevention and small and medium
enterprise continue to perform well. We are advancing the ClearSale
integration, delivering expanded product capabilities and new business wins
and capturing planned synergies. In Spanish Latin America, growth was driven
by our value-added services, such as proprietary scores and analytics.

 

Consumer Services delivered very strong organic revenue growth of 23%, as the
business achieved a significant milestone of 100 million free members in
Brazil. Limpa Nome performed strongly, supported by volume expansion at
several key partners and a successful Limpa Nome fair. Premium subscription
revenue grew well with an expanding membership base, and our credit
marketplace delivered strong growth with several major partners joining the
panel.

 

UK and Ireland - 11% of Group revenue(4)

 

The UK and Ireland delivered organic revenue of growth of 3%. Total constant
currency revenue growth of 5% was primarily due to the contribution from the
acquisition of KYC360.

 

B2B organic revenue was flat. Though UK economic activity continues to be
soft, we have driven sequential improvement and continue to execute against
our strategic priorities. We delivered strong Ascend Sandbox growth and
multiple proof‑of‑value trials remain in progress. During the quarter, we
also acquired KYC360, enhancing our fraud and financial crime compliance
capabilities.

 

Organic revenue growth in Consumer Services was 14%. This was driven primarily
by continued marketplace momentum and supported by the launch of our 1250
score, our new credit score that uses expanded data and better reflects how
credit applications are assessed. We drove strong growth across both credit
cards and personal loans, supported by higher customer engagement and strong
conversion rates.

 

EMEA and Asia Pacific - 7% of Group revenue(4)

 

In EMEA and Asia Pacific, organic revenue growth was 3%, with total constant
currency revenue growth of 4%. We drove strong growth across a number of core
markets, including Italy, Spain and South East Asia, despite a tough
comparable from large software deliveries in the prior year period. We
continue to progress our strategic initiatives, expanding proprietary scores
and Ascend Platform capabilities into new geographies.

 

Future events

 

Experian will release results for the full year ending 31 March 2026 on
Wednesday, 20 May 2026.

 

Contact:

Experian

Nadia Ridout-Jamieson             Investor
queries                         +44 (0)20 3042 4220

Nick Jones                                Media
queries                             +44 (0)7976
734 702

 

 

Teneo

Graeme Wilson, Louise Male and Lisa
Jarrett-Kerr                       +44 (0)20 7353 4200

 

 

This announcement is available on the Experian website at www.experianplc.com
(http://www.experianplc.com) . There will be a conference call today to
discuss this update at 9.00am (UK time), which will be broadcast live on the
website with a recording available later.

 

All financial information in this trading update is based on unaudited
management accounts. Certain statements made in this trading update are
forward-looking statements. Such statements are based on current expectations
and are subject to a number of risks and uncertainties that could cause actual
events or results to differ materially from any expected future events or
results referred to in these forward-looking statements.

 

Neither the content of the Company's website, nor the content of any website
accessible from hyperlinks on the Company's website (or any other website), is
incorporated into, or forms part of, this announcement.

 

About Experian

Experian is a global data and technology company, powering opportunities for
people and businesses around the world. We help to redefine lending practices,
uncover and prevent fraud, simplify healthcare, deliver digital marketing
solutions, and gain deeper insights into the automotive market, all using our
unique combination of data, analytics and software. We also assist millions of
people to realise their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare,
automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power
of data and to innovate. A FTSE 100 Index company listed on the London Stock
Exchange (EXPN), we have a team of 25,200 people across 33 countries. Our
corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

 

This information is provided by RNS, the news service of the London Stock Exchange. RNS is approved by the Financial Conduct Authority to act as a Primary Information Provider in the United Kingdom. Terms and conditions relating to the use and distribution of this information may apply. For further information, please contact
rns@lseg.com (mailto:rns@lseg.com)
 or visit
www.rns.com (http://www.rns.com/)
.

RNS may use your IP address to confirm compliance with the terms and conditions, to analyse how you engage with the information contained in this communication, and to share such analysis on an anonymised basis with others as part of our commercial services. For further information about how RNS and the London Stock Exchange use the personal data you provide us, please see our
Privacy Policy (https://www.lseg.com/privacy-and-cookie-policy)
.   END  TSTURRWRNOUAUAR



            Copyright 2019 Regulatory News Service, all rights reserved