Experian plc (EXPGY) Stock Price & How to Invest

Experian plc runs credit bureaus and the data, analytics and software built on top of them. Lenders pay it for credit reports, scores, identity checks, fraud tools and decisioning software, which make up the B2B side (about 73% of revenue as of the June 2026 quarter). The rest is Consumer Services: free and paid memberships that let people check their credit score and file, plus marketplace referral fees when a member takes out a card or loan through the app. Experian had more than 215 million free consumer members at the end of fiscal 2026. Inside B2B, Financial Services (banks, card issuers, mortgage and auto lenders) is about 53% of group revenue, and Verticals (health, automotive, marketing data, insurance and others) about 20%.

Geography is heavily weighted to the US. In the June 2026 quarter North America was about 67% of group revenue, Latin America about 15% (mostly Brazil, through Serasa Experian), the UK and Ireland about 11%, and EMEA and Asia Pacific about 7%. For fiscal 2026, the year to 31 March 2026, Experian reported total revenue of ~$8.45 billion, up 12%, with 8% organic growth (9% in the fourth quarter). Benchmark EBIT from ongoing activities rose 15% to ~$2.41 billion, a 28.6% margin, and Benchmark EPS rose 15% to 179.8 US cents.

The company traces back to CCN, the credit-data arm of Britain's Great Universal Stores (GUS), which bought the US credit business of TRW in 1996 and named the combined operation Experian. GUS demerged Experian in October 2006, when it listed on the London Stock Exchange, and the US ADR programme dates from the same month. The 2007 purchase of Serasa made it the leading bureau in Brazil. Acquisitions continue at a steady pace: Experian spent ~$792 million on deals in fiscal 2026, bought KYC360 in the UK and closed the purchase of idwall, a Brazilian digital identity specialist, on 1 July 2026. Brian Cassin has been chief executive since 2014 and Lloyd Pitchford is chief financial officer. The company's corporate head office is in Dublin, and it employed about 25,200 people across 33 countries at the end of fiscal 2026.

The investment picture is a quality business at a lower price than it has carried for years. Benchmark operating cash flow was ~$2.2 billion in fiscal 2026 (93% conversion), return on capital employed was 17.2%, and net debt was 1.7x Benchmark EBITDA. Management raised the dividend 11% and launched a new $1 billion buyback, after ~$725 million of repurchases in fiscal 2026. Against that, the ADR closed at ~$35.48 on 9 October 2026, near the bottom of a ~$32 to ~$49 52-week range, after FICO moved to license mortgage scores directly to resellers and Q1 fiscal 2027 organic growth slowed to 7%.

The most immediate risk is FICO. In late 2025 Fair Isaac launched a programme letting mortgage tri-merge resellers calculate and distribute FICO scores directly, bypassing the three bureaus, and Experian's FY26 results cite FICO mortgage royalties as a headwind to margins; Experian shares fell ~4% in London on the day of the announcement, and Jefferies estimated FICO's new models could hit bureau earnings by 10% to 15% on average. The second is slowing growth: Q1 fiscal 2027 organic growth of 7% was down from 9% in the prior quarter, EMEA and Asia Pacific grew just 1%, and the midpoint of FY27 organic guidance (6% to 8%) came in below what some analysts expected. Consumer Services is shrinking in North America while the breach contracts run off. Credit bureaus are regulated businesses, and the US Consumer Financial Protection Bureau, the UK Financial Conduct Authority and Brazilian regulators can change what data may be held and how consumer products are sold; data security is a standing exposure for a company holding files on hundreds of millions of people. Currency matters too, because Experian reports in dollars but earns a meaningful share in reais, sterling and euros. For ADR holders specifically, EXPGY trades OTC (on the OTCQX tier) with thinner volume than the London line, so spreads can be wider; dividends paid directly by the company are subject to 25% Irish dividend withholding tax unless an exemption applies, so the amount received can be lower than the declared rate depending on how the depositary and the holder's paperwork handle it.

3 analysts publish price targets on EXPGY, averaging $43.00 against a $35.48 price as of October 2026, or +21.2%. The published targets run from $42.00 to $44.00, a narrow spread, and the ratings split 3 buy, 0 hold, 0 sell. A price target is what an analyst published on a date, not a prediction, and sell-side ratings skew positive across the whole market.

Read the full EXPGY forecast and price target for the target table, the recent rating actions by firm, and how the consensus has shifted.

We give no verdict on Experian plc. Both cases are real, which is why the question is contested at all, so here is the strongest version of each.

The case for buying. US B2B data and decisioning. North America B2B grew 11% organically in the June 2026 quarter, faster than the group, and it is the engine of Experian's earnings. The most optimistic published target, $44.00, assumes this works close to its best case.

The case against. The most immediate risk is FICO. The most pessimistic target, $42.00, is roughly what EXPGY is worth if this bites instead.

Read the full bull and bear case on EXPGY, including what would have to change to break either one. Walnut is not an investment adviser.

A simple financial snapshot. These are approximations and refresh quarterly; for current figures see Experian plc's investor relations page or your broker.

• Revenue (FY26, to March 2026): ~$8.45B (+12%; 8% organic)
• Benchmark EBIT (FY26): ~$2.41B (28.6% margin)
• Benchmark EPS (FY26): 179.8 US cents (+15%)
• Market cap: ~$31.4B (ADR ~$35.48, Oct 9, 2026)
• Trailing P/E: ~20x (~18x forward)
• Dividend (FY26): 69.25 US cents (~1.9% yield)

At ~$35.48 per ADR, Experian trades at roughly 20 times its fiscal 2026 Benchmark EPS of 179.8 cents, and around 18 times forward estimates. That is a lower multiple than the stock has commanded through most of the last decade, and it reflects the FICO licensing change and the slower Q1 rather than any fall in reported profit: Benchmark EBIT grew 15% last year and statutory pre-tax profit 26% to ~$1.95 billion. Guidance for fiscal 2027 still calls for double-digit Benchmark EPS growth on 8% to 11% total revenue growth. If that holds, the multiple compresses further on forward numbers. The yield is modest because Experian returns more cash through buybacks ($1 billion authorised to June 2027) than through dividends.

Other names that sit close to EXPGY: same theme, named as a direct competitor, or held beside it in the same funds. Each entry says which. Worth a look if you are thinking about diversification within a thesis rather than concentration on one ticker.

There are three common ways to get EXPGY exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic portfolio, so EXPGY sits alongside other stocks that express the same thesis.

Walnut takes the portfolio route. Describe a thesis where EXPGY fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.

New to this? Start with how to invest in stocks, see how to analyze a stock with AI, or compare the best AI stock analyzers.

EXPGY is a way to own a FTSE 100 data compounder from a US account, with dollar dividends and a steady buyback. The open question for 2026 and 2027 is whether Experian keeps organic growth in its 6% to 8% range while FICO and the breach-contract wind-down weigh on its US business.

Whether EXPGY is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is EXPGY a buy or a sell?, and where the stock could go from here in the EXPGY stock forecast.

For income investors, whether EXPGY pays a dividend and how the payout looks is covered in does EXPGY pay a dividend? And to weigh EXPGY against a peer, read the full side-by-side comparisons: EXPGY vs EFX and EXPGY vs TRU.