Experian (EXPN) investor relations material

Executive summary

• Q3 delivered strong revenue growth: 12% at actual rates, 10% at constant currency, and 8% organically, maintaining momentum and aligning with FY26 guidance.

• North America led with 10% organic revenue growth, while Latin America, UK & Ireland, and EMEA/Asia Pacific each posted 3-6% growth.

• Consumer services globally grew 10%, with B2B up 7% and notable strength in financial services and verticals.

• Full-year expectations and guidance remain unchanged, with continued focus on leveraging proprietary data and AI opportunities.

Financial highlights

• North America B2B organic revenue grew 11%, with financial services (excluding mortgage) up 9% and mortgage revenue up 45% on flat volume.

• Latin America organic revenue grew 6%, with consumer services up 23% and B2B flat; ClearSale acquisition boosted total revenue.

• UK & Ireland organic revenue grew 3%, with consumer services up 14%; KYC360 acquisition enhanced fraud and compliance capabilities.

• EMEA/Asia Pacific organic revenue grew 3%, with strong growth in Italy, Spain, and Southeast Asia.

• Q2 included a one-time $19M insurance marketplace catch-up, adding 1% to group organic growth.

Outlook and guidance

• Full-year guidance remains unchanged from the upgraded outlook provided at the half year in November.

• Q4 is expected to be in line with Q3, with continued strong growth anticipated in Latin America consumer services.

• B2B trends in Latin America expected to improve as interest rates stabilize and pipeline converts to revenue.