Experian (EXPN) Q3 2026 TU earnings summary

Executive summary

• Achieved strong Q3 revenue growth: 12% at actual rates, 10% at constant currency, and 8% organically, maintaining momentum from H1 and aligning with FY26 guidance.

• North America led growth with 10% organic revenue increase, while Latin America, UK & Ireland, and EMEA/Asia Pacific each posted positive, though more modest, gains.

• Innovation and AI integration remain strategic priorities, with new product launches and enhancements across platforms, including cash flow analytics and AI-powered assistants.

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

Financial highlights

• Q3 total revenue up 12% year-over-year; constant currency revenue up 10%; acquisitions contributed 2% to growth.

• Organic revenue growth: North America 10%, Latin America 6%, UK & Ireland 3%, EMEA/Asia Pacific 3%.

• B2B organic revenue grew 7% globally; consumer services delivered 10% organic growth.

• North America B2B up 11%, consumer services up 8%; mortgage revenue grew 45% on flat volume.

• Latin America consumer services up 23%, UK & Ireland consumer services up 14%; ClearSale acquisition boosted total revenue.

Outlook and guidance

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

• Q4 expected to be in line with Q3, with continued strong growth anticipated in Latin America consumer services and steady performance in North America.

• Pipeline improvements in Latin America suggest better B2B trends into next year, though high interest rates remain a headwind.