Top 3 Markets:

1. USA: 60%
2. United Kingdom: 15%
3. Brazil: 10%

Industry Distribution of Revenues:

• Credit and Risk Management: 45%
• Marketing Services: 25%
• Decision Analytics: 20%
• Consumer Services: 10%

Experian plc generates the majority of its revenues from credit and risk management, reflecting the company's core competency. The USA remains the largest market, driven by high demand for credit information and solutions. The United Kingdom and Brazil follow as important markets, where there is also strong demand for Experian's services.

The diversification into marketing services and decision analytics demonstrates Experian's efforts to grow beyond traditional credit business and tap into new revenue sources.

Production Sites: Globally distributed with a focus on North America, Latin America, UK, and Ireland.

Experian plc is a globally operating company specializing in data analysis and information services. Since Experian mainly offers digital products and services, physical production sites are less relevant than for companies that manufacture tangible goods.

Experian's services and products are developed and offered in various regions, with the main focus on North America, Latin America, the United Kingdom, and Ireland. These regions are the main markets and locations for the development and provision of their services.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024)

Experian plc is pursuing a growth strategy that heavily focuses on digital transformation and innovation. The company continuously invests in new technologies to expand its data analysis capabilities and provide its customers with better insights.

Another key focus is on geographical expansion, particularly in emerging markets, where Experian is expanding its presence through strategic partnerships and acquisitions. These markets offer significant growth opportunities due to the increasing demand for credit information and financial services.

Additionally, Experian places great emphasis on developing new products and services that meet the changing needs of consumers and businesses. This includes solutions in the areas of identity management and fraud prevention.

Main materials: Data, software technology

Main source countries: Global, with a focus on the USA, UK, and Brazil

Experian plc is primarily engaged in data analysis and credit reporting. Therefore, the company does not source physical raw materials in the traditional sense, but focuses on importing and processing data as well as software technologies.

The data is collected globally, with the USA, UK, and Brazil being key markets. Experian continuously invests in technologies and software solutions to enhance its data analysis capabilities. This includes acquiring software licenses and technologies from various countries to optimize operations and services.

Market share: Approximately 35% in the global credit information market (2023)

Revenue growth: 7% (2023)

EBIT margin: 26% (2023)

Experian plc is one of the leading providers of credit information worldwide and holds a significant market share of around 35%. This gives the company a considerable competitive advantage as it benefits from economies of scale and a broad database that is highly valuable to customers.

In 2023, the company experienced revenue growth of 7%, driven by strong demand for credit information and analysis, as well as expansion into new markets. The EBIT margin of 26% underscores the efficiency and profitability of Experian, which is also a sign of a strong competitive advantage.

Furthermore, Experian continuously invests in technological innovations and data analysis to enhance its services and differentiate itself from competitors. These strategic investments help to secure the company's competitive advantage in the long term.

Institutional investor share: approx. 85% (2025, estimated) Insider purchases/sales: No significant transactions in the last year (2025, estimated)

The institutional investor share at Experian plc is traditionally high, as the company is considered a stable component of the FTSE 100 and therefore attractive to institutional investors. These investors appreciate Experian's consistent performance and market position in the field of data analysis and credit assessment.

Regarding insider purchases and sales, there have been no significant transactions indicating a change in the management's confidence in the future development. Such activities are often seen as an indicator of management's assessment of the company's performance.

Market share of Experian plc: 35% (2025, estimate)

Main competitors and their market shares:

1. Equifax Inc.: 30%
2. TransUnion: 25%
3. Dun & Bradstreet: 5%
4. Credit Karma (part of Intuit): 3%
5. Innovis: 2%

Moat of Experian:

Experian plc has a significant moat, which is characterized by several factors. Firstly, the company has strong brand awareness and a broad database that enables it to create precise and comprehensive credit reports. This is a crucial advantage in the credit reporting industry, as the accuracy and reliability of data are of utmost importance.

Secondly, Experian has heavily invested in technology and innovation in recent years, leading to improved data analysis and processing. These technological advancements allow Experian to offer customized solutions to its customers, enhancing customer loyalty.

Compared to its competitors, Experian has a broader international footprint, providing it with access to a larger customer base and diversified revenue sources. Equifax and TransUnion are also strong competitors with similar advantages, but Experian holds a slight edge due to its innovation and global presence.

Overall, Experian has a robust moat that enables it to compete in a fiercely competitive market. However, competition remains strong, and companies like Equifax and TransUnion are also investing in technology and data processing to strengthen their market position.

Revenue growth: 7% (2024) Profit growth: 8% (2024) Market share in the credit information sector: 35% (2024)

Experian plc achieved solid revenue growth of 7% in 2024, attributed to strong demand for credit information services and successful expansion into new markets. The 8% profit growth indicates that the company was able to increase its efficiency and benefit from cost-cutting measures.

With a 35% market share in the credit information sector, Experian remains a dominant player in the industry. Continuous investment in technology and data analysis strengthens the company's competitive position and enables it to offer innovative solutions.

Experian's long-term growth prospects are positive, especially due to the increasing importance of data analysis and credit information in the digital economy. The strategic focus on new technologies and markets could further support future growth.

Overall, Experian plc appears to be a good investment based on its solid financial results and positive long-term prospects in the industry.

Dividend yield: 2.1% (estimated for 2025)
Dividend history: Continuous distribution over the past 10 years

Experian plc has regularly distributed dividends to its shareholders in recent years. The dividend yield is estimated to be around 2.1% for 2025, in line with previous payouts.

The company has a solid dividend history and is considered a reliable dividend payer. This reliability is supported by stable financial performance and a sustainable business model. Analysts expect Experian to continue to be able to pay dividends as it has a strong market position and continuous sources of income.