Experian PLC Stock (LON: EXPN) on 2 December 2025: Share Price, H1 2026 Results, AI Strategy and 2026 Forecasts

Updated: 2 December 2025

Experian PLC’s share price is treading water near the lower half of its 2025 range, even as the FTSE 100 data and credit analytics group posts double‑digit revenue growth, raises guidance for fiscal 2026 and ramps up its AI and fraud‑prevention capabilities. Recent analyst notes still lean bullish on Experian stock (LON: EXPN), but the market continues to price in regulatory and competitive risks — especially from Fair Isaac’s (FICO) new direct‑licensing model.

This article pulls together the latest news, forecasts and analysis on Experian PLC stock as of 2 December 2025, suitable for Google News and Discover readers.

Experian share price snapshot on 2 December 2025

As the London market closed on 2 December 2025, Experian PLC shares were quoted around 3,318–3,320 pence on the London Stock Exchange, up about 0.2% on the day. That values the group at roughly £30.3 billion. ^[1]

Key valuation and trading metrics:

Latest price: c. 3,32 GBP per share (LON: EXPN) ^[2]
Day range (2 Dec 2025): 3,309p – 3,326p ^[3]
52‑week range: 3,049p – 4,101p, with the high set in July 2025 ^[4]
Market capitalisation: about £30.3–30.4 billion ^[5]
Trailing P/E ratio: high‑20s (varies by data provider, c. 26–29x) ^[6]
Dividend yield: roughly 1.3–1.5% on current estimates ^[7]
1‑year share price performance: around –11% over the last 12 months, reflecting a pullback from mid‑2025 highs ^[8]
Beta: about 1.3, indicating higher volatility than the broader market ^[9]

In other words, Experian PLC today still trades at a premium multiple versus the wider FTSE 100, despite a double‑digit share price decline from its peak earlier in the year.

Half‑year FY26 results: double‑digit growth and upgraded guidance

Experian’s latest fundamental catalyst is its H1 FY26 (six months to 30 September 2025) earnings release on 12 November 2025. Management described the period as one of “strong growth in revenue, earnings and cash flow,” and the numbers back that up. ^[10]

Headline figures (H1 FY26)

At constant currency and from ongoing activities, Experian reported: ^[11]

Total revenue: +12%
Organic revenue growth: +8%
Benchmark EBIT: +14%, with margin expanding by 50 bps at constant rates
Benchmark EPS: roughly +12–13% at actual exchange rates

The growth was broad‑based:

Business‑to‑Business (B2B) organic revenue: +8%
Consumer Services organic revenue: +9%
Membership base: now over 208 million free consumer members globally across Experian’s platforms ^[12]

Regional performance

All regions contributed positively to H1 growth: ^[13]

North America:+10% organic revenue (the growth engine and largest region)
EMEA & Asia Pacific:+6%
Latin America:+4%
UK & Ireland:+1%, with a strong consumer business offsetting softer B2B demand amid macro headwinds

Third‑party analysis of the segment data notes particularly strong North American benchmark EBIT, supported by higher‑margin analytics and decisioning products, while Latin America’s consumer business continues to grow double‑digit despite economic noise. ^[14]

Higher FY26 guidance

On the back of this performance, Experian raised its FY26 (year ending 31 March 2026) outlook. It now expects: ^[15]

Total revenue growth:11% (top end of prior range)
Organic revenue growth:8% (top end of previous 6–8% range)
Margin accretion:+30–50 bps (Benchmark EBIT margin)

The interim dividend was increased 10% to 21.25 US cents per share, payable on 6 February 2026 to shareholders on the register at 9 January 2026. ^[16]

AI, product innovation and M&A: Experian’s growth strategy in 2025

Generative AI and the Experian Virtual Assistant

Experian is leaning hard into AI and automation across its platforms. In North America, the company has been highlighting its GenAI‑enabled Experian Virtual Assistant (EVA), which offers personalised financial support, credit card recommendations and direct bank‑linking to help consumers manage their finances. Management emphasises that EVA is already generating millions of customer interactions and deeper engagement with Experian’s ecosystem. ^[17]

At the Money20/20 conference, Experian executives framed AI as central to “financial empowerment,” positioning the company not just as a credit‑reporting bureau but as a broader data and decisioning platform for consumers and lenders. ^[18]

New combined credit, cash‑flow and alternative data score

In November 2025, Experian announced what it described as its first combined credit, cash‑flow and alternative data score, effectively bundling traditional bureau data with bank‑transaction and alternative datasets. The product is aimed at lenders seeking more predictive underwriting tools, especially for “thin‑file” or underserved borrowers. ^[19]

That direction aligns with longer‑term industry themes: regulators and lenders are increasingly comfortable using richer datasets, while competition from neo‑banks and fintech lenders increases demand for real‑time, AI‑enhanced risk signals.

KYC360 acquisition: upgrading fraud and financial crime capabilities

A major strategic move this autumn was Experian’s acquisition of KYC360, a UK and Ireland‑focused regulatory technology (regtech) provider specialising in know‑your‑customer (KYC), know‑your‑business (KYB) and anti‑money‑laundering (AML) workflows. ^[20]

Key points from company and industry coverage:

Announced 27 October 2025, focused on UK & Ireland markets ^[21]
KYC360 serves 1,000+ organisations, including financial institutions, insurers, legal and accounting firms, gaming operators and industrial companies ^[22]
The technology will be integrated into Experian’s Ascend analytics platform to deliver end‑to‑end onboarding, screening and lifecycle compliance, with promises of faster onboarding, lower operational cost and improved financial‑crime detection. ^[23]

Analysts see the move as reinforcing Experian’s pivot from pure “credit bureau” to a broader fraud, compliance and decisioning software provider — a theme also reflected in roughly $1.2 billion of acquisitions in fraud prevention in Australia, New Zealand and Brazil highlighted by Reuters. ^[24]

Regulatory overhang: CFPB lawsuit and enforcement uncertainty

Experian remains under the microscope of U.S. regulators, particularly the Consumer Financial Protection Bureau (CFPB).

In January 2025, the CFPB sued Experian, alleging it failed to properly investigate consumer disputes over credit‑report errors, potentially leaving incorrect data on millions of reports. ^[25]
On 7–8 August 2025, a federal judge in the Central District of California dismissed the case without prejudice, allowing the CFPB to file an amended complaint. ^[26]
Subsequent coverage notes that the Bureau has been working on amended claims and continues to challenge Experian’s practices in court. ^[27]

From an equity standpoint, the August dismissal removed an immediate litigation threat but did not eliminate regulatory risk — both because the CFPB may refile and because broader rulemaking around data brokers, credit reporting and AI‑driven decisioning is still evolving. ^[28]

Competitive shock: FICO’s direct mortgage score licensing

Perhaps the biggest single negative shock for credit bureau stocks in 2025 came from outside the bureaus themselves.

In early October 2025, Fair Isaac (FICO) announced that it would begin selling certain mortgage credit scores directly to lenders and resellers, bypassing Experian and its peers, which had historically added a markup on redistributed FICO scores. ^[29]

Key implications from Reuters’ coverage: ^[30]

Experian, Equifax and TransUnion shares fell sharply on the news; Experian closed about 4% lower in London on the day.
Jefferies analysts estimated the new model could shave 10–15% from credit‑bureau earnings if lenders broadly avoid bureau mark‑ups.
The change is currently limited to mortgage scores, but it raises questions about whether similar direct models could eventually spread to other score types.

For Experian PLC stock, this has become a core element of the bear narrative: even with strong H1 numbers, investors are weighing whether traditional bureau economics are being structurally eroded, pushing Experian to monetise more of its proprietary analytics, alternative scores and platforms (including its role in VantageScore). ts2.tech+1

Analyst ratings and price targets as of 2 December 2025

Fresh coverage from MarketBeat on 2 December 2025 summarises the current broker stance on Experian PLC: ^[31]

Consensus rating: “Moderate Buy”
Coverage: 6 analysts
Breakdown: 5 Buy ratings, 1 Hold
Average 12‑month price target:4,320p

That average target implies roughly 30% upside from prices just above 3,300p.

The Financial Times / LSEG consensus, based on a larger analyst universe, is broadly similar: ^[32]

Analysts covered: ~15
Median 12‑month target:c. 4,509p
Target range:
- High: c. 5,560p
- Low: c. 3,050p
The median implies mid‑30s percent upside versus recent trading around 3,311p.

On fundamentals, LSEG data also show: ^[33]

2025 revenue (FY25): about $7.5–7.6 billion equivalent
2025 EPS: c. 156–157 US cents
Dividend: about $0.61 per share in the last year, with consensus forecasting a rise to roughly $0.69 next year (around 13% growth)

Meanwhile, Experian’s own company‑compiled consensus for FY26 points to: ^[34]

Average total revenue:$8.416 billion
Average organic revenue growth:8.0%
Average Benchmark EBIT:$2.397 billion
Average Benchmark EPS:178.5 US cents
Average dividend per share:70.0 US cents

Taken together, the analyst community largely views Experian as a quality growth compounder with:

High‑single‑digit organic revenue growth,
Mid‑teens EPS growth, and
A potential 12‑month total‑return profile in the mid‑20s to mid‑30s percent range — if execution remains strong and macro/regulatory risks are contained. ^[35]

Technical picture and short‑term forecasts

While fundamental analysts lean positive, short‑term technical models send a more cautious message.

StockInvest.us technical forecast

A 1 December 2025 report from StockInvest.us describes Experian PLC as a “hold/accumulate” candidate, but flags a negative short‑term trend: ^[36]

Latest close used: 3,311p (1 Dec 2025)
The stock sits in the middle of a falling short‑term trend channel.
Their model projects an expected –14.6% move over the next three months, with a 90% probability band between roughly 2,710p and 2,944p.
Both short‑ and long‑term moving averages currently flash sell signals, though a recent pivot‑bottom buy signal offers some chance of a rebound.

For the trading day of 2 December 2025, the same model expected: ^[37]

Fair opening price: ~3,311p
Day range: about 3,275p – 3,347p (±2.2%)

StockInvest also notes an upcoming ex‑dividend date of 8 January 2026 for an expected 16.13p payment, consistent with Experian’s rising dividend profile. ^[38]

TradingView technical summary

TradingView’s overview as of 2 December 2025 shows: ^[39]

Current price: ~3,317p (–0.18% over the prior 24 hours)
1‑week change: about –1.5%
1‑month change: about –6.5%
1‑year change: about –11.2%
Volatility: around 0.5% daily, with a beta of ~1.28 versus the market
Overall technical indicator dashboard: “Neutral”, reflecting a balance of bullish and bearish signals.

In short: technicians see a stock that has de‑rated, is trending modestly lower in the short term, but is not in a full‑blown breakdown.

Structural tailwinds: credit score tracking and digital finance

Beyond near‑term trading, Experian PLC sits in the middle of several growing markets.

Credit score tracking and monitoring

Global research on the credit score tracking service market indicates: ^[40]

Market size of roughly $3.1 billion in 2025
Forecast to reach about $4.9 billion by 2029, a 12.2% CAGR
Highly concentrated: Experian, Equifax and TransUnion together account for around 70% of market share

The growth is driven by:

Rising digital banking adoption and app‑based personal finance
Increased consumer awareness of the importance of credit health
Higher incidence of identity theft and fraud, prompting more consumers to pay for monitoring and alerts

Experian’s 208+ million free members and growing subscription and marketplace revenues position it squarely in the centre of this trend. ^[41]

Data, analytics and fraud prevention

Reuters’ November note emphasised that Experian’s growth increasingly comes from data analytics, fraud prevention and decisioning tools, not just from selling credit files. The company has ploughed roughly $1.2 billion into acquisitions to bulk up these services in key regions such as Australia, New Zealand and Brazil. ^[42]

Combined with KYC360 and Experian’s AI‑enhanced platforms, that gives the bull case a credible angle: even if older bureau economics are pressured, new revenue streams could sustain growth.

Bull vs bear case for Experian PLC stock in late 2025

Bull case: quality compounder with a data moat

Supporters of Experian PLC stock typically argue that: ^[43]

Structural demand: Digitisation of lending, e‑commerce and identity verification should keep demand for Experian’s data, scores and fraud tools growing faster than GDP.
Proven execution: 8% organic revenue growth and 14% EBIT growth in H1 FY26, with margin expansion and strong cash conversion, underpin mid‑teens EPS growth.
Diversification: Expansion into fraud prevention, KYC/KYB, analytics platforms (Ascend), and consumer membership reduces reliance on traditional credit‑report volumes.
AI positioning: Experian’s early deployment of generative AI (EVA, AI‑enhanced analytics) could deepen both B2B and consumer relationships.
Analyst support: Most major broker and data‑provider surveys cluster around Buy / Outperform ratings, with median 12‑month targets roughly 30–35% above current levels.

Bear case: rich valuation, FICO risk and regulatory noise

Sceptics counter with several points: ^[44]

Valuation premium: A high‑20s P/E and sub‑2% yield leave limited room for disappointment, particularly if interest rates stay elevated.
FICO’s direct‑licensing model: Mortgage score revenue could come under sustained pressure, and a similar model in other score categories would be even more problematic.
Regulatory risk: The CFPB case was dismissed without prejudice, and the broader U.S. regulatory environment for data brokers and credit reporting remains in flux.
Macro sensitivity: Parts of Experian’s portfolio remain tied to credit growth and consumer health, especially in the UK and Latin America, where growth has lagged North America.
Technical trend: With the stock down double digits from its July high and some technical models projecting further downside, short‑term sentiment may remain fragile. ^[45]

Key upcoming dates for Experian investors

Based on recent company filings and third‑party data as of 2 December 2025: ^[46]

Ex‑dividend date (interim dividend): 8 January 2026 (16.13p indicated)
Interim dividend payment date: 6 February 2026 (21.25 US cents declared)
Q3 FY26 trading update: scheduled for 21 January 2026
Next full earnings release (FY26 results): currently expected around May 2026 (exact day varies slightly by source, c. 12–20 May)

These events will give investors fresh data on whether Experian is delivering against its upgraded 11% revenue / 8% organic growth guidance.

Conclusion: Experian PLC in December 2025 – quality vs risk

As of 2 December 2025, Experian PLC stock sits at an interesting junction:

Operationally, the company is executing well: high‑single‑digit organic growth, rising margins, strong cash generation and an expanding dividend. ^[47]
Strategically, Experian is doubling down on AI, fraud prevention and regtech (EVA, combined data scores, KYC360), aiming to own more of the decisioning stack, not just the raw credit data. ^[48]
From a market perspective, the shares have de‑rated from their 2025 highs and are now trading well below consensus target prices, yet still at a premium multiple that assumes the growth story continues. ^[49]

Whether that premium is justified will likely hinge on three questions over the next 12–24 months:

Can Experian prove that AI‑driven analytics and fraud products can offset any earnings hit from FICO’s direct‑licensing move and other competitive pressures?
Will regulators settle on stable, workable rules for credit reporting and data brokers, or will legal uncertainty keep weighing on valuation multiples?
Does the macro environment — especially in the U.S. and Latin America — stay benign enough to support mid‑teens EPS growth?

For now, most professional analysts still frame Experian PLC as a long‑term compounder with near‑term headline risk rather than a broken story. But the divergence between upbeat earnings and a cautious share price shows that markets are demanding more proof that this premium‑valued data giant can keep compounding in a more competitive and tightly regulated world.

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