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Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Experian (EXPN) investor relations material
Experian J.P. Morgan 2025 Ultimate Services Investor Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.J.P. Morgan 2025 Ultimate Services Investor Conference summary19 Nov, 2025
Financial services and platform strategy
Strong organic growth in financial services, especially in North America, driven by improved lending momentum and the expanding Ascend platform.
Over 20 of the top 25 U.S. financial institutions and two-thirds of U.K. lending touch Ascend modules, with plans to expand to tier two and three customers and new geographies in the coming year.
Ascend is evolving into the central distribution platform for all products, integrating fraud and decisioning, and offering unique cross-product optimization.
Ascend faces limited direct competition, with its breadth and integration considered generations ahead of rivals.
Growth is driven more by innovation and new value creation in data signals than by taking market share from competitors.
Competitive landscape and pricing
Recent regulatory changes have ended FICO's monopoly in secured credit, opening the market to score competition and incentivizing adoption of VantageScore.
VantageScore is offered free with FICO in bundled products, and as a standalone at a 50% discount to FICO, supporting lender transition and regulatory goals.
Ecosystem relationships are often "frenemy" in nature, with ongoing partnerships and competition, especially with FICO.
AI, productivity, and margin development
Proprietary data assets and scale distribution are key defensible advantages, with AI accelerating value extraction from vast data sets.
AI adoption has rapidly increased developer productivity, with 11,000 technologists and 7,000 product developers leveraging advanced coding tools.
AI-driven productivity gains contributed to strong organic margin growth, offsetting acquisition dilution and dual run costs.
Forward guidance targets 30-50 basis points margin growth, underpinned by cost flowbacks and acquisition rescaling, with flexibility for further investment.
Ascend's competitive moat and future defense
Detail VantageScore's aggressive pricing strategy
AI's impact on tech productivity and margins
Partial view of Summaries dataset, powered by Quartr API
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Q3 2026 TU21 Jan, 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.
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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.
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