London, Jan 23, 2026, 09:20 GMT — Regular session
Experian (EXPN.L) shares climbed 1.1% to 3,050 pence by 0920 GMT on Friday, aiming to end a four-day losing streak. The stock closed Thursday at 3,016 pence, following drops of 4.9% on Wednesday and 1.8% on Tuesday. 1
This matters because Experian plays a key role in consumer lending flows. When banks pull back or loosen credit, changes quickly appear in credit checks, mortgage inquiries, and fraud screening activity.
The stock dropped to a 19-month low Wednesday after the company stuck to its full-year guidance. Investors zeroed in on several potential hurdles for a rebound in lending demand. Panmure Liberum analyst Andrew Ripper cited a softer U.S. dollar, President Donald Trump’s threat to limit U.S. credit-card interest rates to 10%, and Fair Isaac’s plan to sell credit scores directly to mortgage lenders. Experian told analysts that if a cap is imposed, much of the impact would likely hit U.S. consumers. 2
Experian reported a 12% revenue increase at actual exchange rates in its third-quarter trading update, with organic growth—excluding currency effects and acquisitions—coming in at 8%. CEO Brian Cassin described the quarter as delivering “strong Q3 growth,” noting that results were “in-line with our expectations.” North America, which makes up 68% of group revenue, saw 10% organic growth during the period. 3
Jefferies analyst Allen Wells noted the 8% organic growth came “in line with expectations,” adding that underlying trends “remain solid,” especially in North America and Latin America’s consumer segments. Experian stuck to its fiscal 2026 targets, reaffirming an 11% total revenue increase and 8% organic growth, with margin guidance steady. Wells described the update as “reassuring.” 4
Experian reports in U.S. dollars, meaning sterling gains and a softer dollar can muddy the view for investors in London, even if demand picks up. That partly explains why the stock sometimes behaves like a macro play when there’s little fresh company news.
Still, the rebound could falter if lenders tighten up once more or if policy changes reshape credit card pricing and marketing in the U.S. A drop in new lending usually leads to fewer inquiries — and that’s the volume metric investors often target first.
Experian is set to announce its full-year results for the period ending March 31 on May 20. That date now stands as the key upcoming catalyst for the stock. Investors will be focused on any new guidance and updates on U.S. credit-card and mortgage trends. 5
