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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Experian
Experian (EXPN) investor relations material
Experian 50th Annual Automotive Symposium summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.50th Annual Automotive Symposium summary3 Nov, 2026
Market mix and inventory
Preliminary Q3 2026: leasing stayed near 23%–24% of new sales; cash accounted for ~17%, while used-vehicle cash purchases reached record levels.
New vehicles were 25% of Q3 retail purchases; vehicles aged 9+ years approached 44% of purchases, and about half of their buyers had prime credit.
Used vehicles averaged 11.6 years old in 2026; financed vehicle ages continued to rise as buyers moved into older inventory.
Off-lease supply is expected to reach ~3.3 million vehicles in 2027, with a peak in Q2; EVs are projected to make up 18% of off-lease vehicles next year.
Lender competition and electric vehicles
Banks regained the largest overall lender share and most major lenders were in growth mode; finance companies were gaining share, especially in used lending.
The top 25 lenders accounted for over 60% of auto financing; used lending was increasingly concentrated, with the largest lenders holding ~52%.
New EVs were back near 7%–8% of sales in Q3; hybrids approached 17% of new purchases. EVs were leased at ~32%, versus ~23% for all vehicles.
Used EV retail topped 422,000 through August, with a year-end estimate of 520,000–540,000; Tesla held 51% of used EV sales, and Carvana led used EV retail and financing.
EV residuals were weaker than other fuel types, creating potential affordable used-car options; used EVs were mainly cash- or loan-financed, and Tesla loyalty was cited at 96%.
Affordability and credit
Buyers with household incomes above $100,000 represented over 50% of new-car purchasers in 2026, up from 44% five years earlier; SUV/CUVs exceeded 63% of new purchases.
Average new-car loan amounts approached $44,000; the average new payment was $773 and used payment $548. New-car terms averaged 69 months and used-car terms 68 months.
Payments above $1,000 accounted for 19% of new-car loans in Q3, up from 18% in the prior quarter and ~10% five years earlier; pickup payments averaged $1,001.
Loans of 73–84 months represented nearly one-third of new and ~31% of used sales; lenders were also exploring 85-month terms, while 85-month LTVs averaged ~133%.
New-car average credit scores fell 2 points YoY; near-prime and subprime share grew. Banks were expanding into 500–660 score ranges using improved analytics and alternative data.
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Next Experian earnings date
Q2 202718 Nov, 2026
Experian
Next Experian earnings date
Q2 202718 Nov, 2026
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Frequently asked questions
Credit Reporting Behemoth
Experian PLC is a global leader in consumer and business credit reporting and marketing services. Founded in the United States and now headquartered in Dublin, Ireland, the company operates in over 40 countries, offering a comprehensive range of analytical tools, data, and software solutions. It provides credit reports, analytics, and decision-making services to businesses, helping them manage credit risk, prevent fraud, and automate decision-making processes. For consumers, Experian offers credit monitoring, report generation, and identity theft protection services. The company's vast reservoir of data and its tools have made it a key player in the global financial ecosystem, with coverage of over 1 billion people worldwide
Heritage and History
Experian's roots can be traced back to 1826 with the founding of the Manchester Guardian Society in the UK, a group focused on sharing credit information within the local community. The business grew and evolved throughout the years, and as is common with companies tracing their lineage this far back, Experian is the result of several mergers and acquisitions throughout the years. The modern form of the company came to be in 2006 when it was demerged from previous ownership and went public on the London Stock Exchange.
What Experian Does
Experian PLC is one of the global leaders in consumer and business credit reporting and marketing services. It gathers, analyzes, and processes data on individuals and businesses to provide a comprehensive understanding of credit behaviors and financial profiles. Through the use of their database and experience, Experian offers tools and insights that aid lenders in making informed decisions, help consumers understand and manage their credit scores, and supports businesses in risk management and targeted marketing efforts. Beyond traditional credit reporting, Experian has expanded into services like fraud prevention, identity protection, and data analytics solutions, and it plays a pivotal role in facilitating financial transactions and helps both consumers and businesses to function confidently.
Part of The Big Three
Experian PLC boasts a formidable global footprint, operating in more than 40 countries, and serving clients from various sectors across multiple continents. As a vital cog in the world of financial transactions and decision-making, the company offers tailored regional solutions, reflecting the nuances and needs of different markets. However, it's not just the breadth of their operations that is significant; it's also their stature in the industry. Experian is one of the "Big Three" credit reporting agencies, alongside Equifax and TransUnion. This trio dominates the credit reporting world, determining the creditworthiness of individuals and businesses and aiding in lending decisions worldwide.