Experian plc Due Diligence

Run due diligence on Experian plc: check compliance and get alerts when suppliers change.

Ireland · www.experian.com · 29 vendors

Experian plc is a global data and technology company that provides data and analytical tools to help businesses manage credit risk, prevent fraud, target marketing offers, and automate decision-making. It also empowers consumers to manage their financial lives by offering free access to credit scores and reports, identity protection, and tools to improve financial positions. The company operates across various sectors, with a strong focus on financial services for both businesses and individuals.

Resilience scores

Disruption prediction

The category benchmark for Experian plc is a 5% probability of disruption in the next three months.

11 of Experian plc's 29 vendors have incident tracking.

Technology vendors

Services catalogue

11 services in catalogue across 4 categories; runs on 29 sub-vendors.

Insights

Last updated 2026-10-11 · revision 1

29 direct vendors, 294 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Migration Readiness: 9/10

Assessed by AI based on technology stack characteristics (cloud-native vs legacy, containerization, microservices), regulatory environment, data residency requirements, financial stability, and vendor lock-in risks. The score ranges from 0-10, where higher scores indicate better readiness for technology migration.

Experian exhibits very high migration readiness, scoring 90. Its internal tech stack is highly aligned with modern cloud-native principles, featuring extensive adoption of multiple cloud platforms (AWS, Azure, GCP) and a hybrid cloud infrastructure. The widespread use of containerization technologies like Kubernetes and Docker, coupled with an API-First Architecture and modern programming languages (Python, Scala, Java, Node.js), indicates a microservices-oriented approach that significantly simplifies workload portability and re-platforming efforts. Infrastructure as Code practices, evidenced by Terraform, further streamline deployment and management across environments. A crucial factor contributing to high readiness is the explicitly stated low vendor lock-in risk, supported by a diverse ecosystem of 29 vendors from 8 different countries. This vendor diversity provides flexibility and reduces potential hurdles during migration. The assessment's limitations include the lack of specific information on regulatory compliance requirements and data residency constraints, which can introduce complexity, as well as the absence of financial stability data to gauge the capacity for funding large-scale migration initiatives.

Compliance

11 in-scope frameworks identified; showing 3.

GLBA — Evidence found

Experian provides services to financial institutions and handles nonpublic personal information, making it subject to the GLBA's privacy and security rules.

Evidence: https://www.experian.com/healthcare/about/hipaa-glba-fcra-privacy-security-compliance, https://www.experian.com/privacy/accountability, https://www.experian.com/blogs/insights/compliance-and-the-alphabet-f-c-r-a-l-m-n-o-p/

NIS2 (source) — No public evidence

Experian operates in the financial services and digital infrastructure sectors, which are listed as 'Essential' or 'Important' under the NIS2 Directive. Given its size and EU presence, it is highly likely to be in scope.

FCA — Evidence found

Experian plc operates extensively in the UK financial services sector, offering credit reporting and other financial products that fall under the regulatory purview of the FCA.

Evidence: https://www.experian.co.uk/blogs/latest-thinking/automated-credit-decisions/avoid-harm-from-credit-data-quality-issues/, https://www.google.com/sorry/index?continue=https://www.google.com/search%3Fq%3Dtime%2Bin%2BUnited%2BKingdom&q=EhAqBdAUBhsnC9SAagvNrbpTGMzdr9YGIjCugYvEZMSL3-BFbfzznuVl3Oo5mCfuII3j0VFOBzmRVDYTvYI-IlESK76FR4bwXW8yAnJSWgFDYMqqscuWj7vNew, https://www.thecreditpeople.com/bureaus/does-fair-credit-reporting-act-apply-to-all-credit-bureaus, https://www.experian.com/blogs/ask-experian/how-to-remove-your-information-from-people-search-sites/, https://www.experian.co.uk/legal/crain/data-retention-periods/

Financials

Three-year financials

Financial Resilience Score: 9/10

Experian demonstrates exceptional financial resilience, underpinned by consistent double-digit revenue and earnings growth, strong cash generation, and a diversified global business model. In FY26, the company achieved 13% total revenue growth and 8% organic growth, with Benchmark EBIT margin expanding 50 basis points to 28.6%. Post-tax return on capital employed reached 17.2%, up from 16.6% in FY25, reflecting high-quality earnings and efficient capital deployment. The balance sheet is robust, with net debt to Benchmark EBITDA of 1.7x, comfortably within the company's 2.0-2.5x framework. Benchmark operating cash flow of $2.2bn with 93% cash conversion supports both reinvestment and significant capital returns, evidenced by a new $1 billion share repurchase program announced in May 2026 (following another $1bn program in January 2026) and an 11% dividend increase. Over 90% of B2B revenue is derived from proprietary data, providing a durable competitive moat. Risks are well-managed but include cybersecurity exposure given the sensitive consumer data handled, regulatory actions (including a €2.7M Dutch DPA fine and ongoing US CFPB litigation), macroeconomic sensitivity to US/Brazil/UK credit cycles, and Brazilian tax contingencies at Serasa. Geographic concentration with 66% of revenue from the USA presents some risk, though mitigated by strong market positioning and diversification across business lines.

Key strengths: 13% total revenue growth and 8% organic growth in FY26, Benchmark EBIT margin expansion to 28.6% (+50bps), Post-tax ROCE of 17.2%, up from 16.6%, Strong cash conversion of 93% with $2.2bn operating cash flow, Conservative leverage at 1.7x net debt/Benchmark EBITDA, $1bn share repurchase and 11% dividend increase, Proprietary data moat (>90% of B2B revenue), Diversified across 33 countries with 25,200 employees, Six-year track record of consistent growth, Double-digit Benchmark EPS growth guidance for FY27

Risk factors: Cybersecurity and data loss/misuse risk, Regulatory and compliance risk including €2.7M Dutch DPA fine and US CFPB lawsuit, Geographic concentration with 66% of revenue from USA, Macroeconomic exposure to US, Brazil, and UK credit cycles, FX translation risk (Brazilian real, GBP, EUR), Brazilian tax contingencies at Serasa S.A. ($89m deduction open to review), Competition from Credit Karma, Equifax, TransUnion and AI disruption, M&A execution risk ($792m acquisitions in FY26), IT system resilience and outage risk, Talent acquisition and retention

Revenue by geography

Revenue by product/service

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