Experian EXPN.L
Experian is a global information services and data analytics company, specializing in credit reports and fraud prevention solutions. Experian shows solid fundamentals with an ROE of 28.26% and earnings growth of 23.1%, although its valuation (P/E 20.94) is not particularly cheap and momentum is weak (-14.21%). The main risk is regulatory, given scrutiny over the accuracy of credit data.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Experian is a global information services and data analytics company, specializing in credit reports and fraud prevention solutions. Experian shows solid fundamentals with an ROE of 28.26% and earnings growth of 23.1%, although its valuation (P/E 20.94) is not particularly cheap and momentum is weak (-14.21%). The main risk is regulatory, given scrutiny over the accuracy of credit data.
Score by category
| Category | Score |
|---|---|
| Financial health | 6.1 |
| Quality / Moat | 6.8 |
| Valuation | 5.6 |
| Growth | 7.4 |
| Dividend | 4.7 |
| Momentum | 2.1 |
| Risk & Context | 6.8 |
OVERALL SCORE: 5.9/10
Context and risks
Regulatory and legal risk in the credit reporting sector: litigation over data accuracy (such as the student debt lawsuit) and active regulatory scrutiny in the US and Europe over data use and consumer protection. Governance in Ireland is moderate, adding a slight penalty.
News considered in the analysis
- Student Loan Debt Was Supposed to Be Gone — Borrowers Sue Trump Administration Over Canceled Debt on Credit Reports — Litigio sobre la eliminación de deuda estudiantil en informes de crédito; si los prestatarios ganan, podría afectar la precisión de los datos crediticios de Experian, pero el impacto es incierto y limitado.
- Does Workday’s New AI Benefits Hub and Partner Network Reshape The Bull Case For Workday (WDAY)? — Noticia sobre un competidor (Workday) en un segmento diferente; sin impacto directo en los fundamentales de Experian.
- What Could Alphabet (GOOGL) Gain From Bringing Personal Finance Into Gemini? — Especulación sobre un competidor potencial en servicios financieros; sin información concreta que afecte a Experian.
- Retired? How the first Fed rate hike in three years affects you. — Contenido genérico sobre tipos de interés; sin relevancia directa para Experian.
- Average auto loan interest rates by credit score in 2026 — Listículo informativo sobre tipos de interés; sin información nueva para la valoración de Experian.
Verdict: Hold; business quality is high, but valuation and momentum do not offer a sufficient margin of safety to buy at this time.
Main risk: Regulatory and legal risk in the credit reporting sector, with active litigation over data accuracy and increasing scrutiny on consumer protection, which could affect the business model.
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