Shares in Experian plc have dropped 7% so far today (writing at 2pm) following the publication of its quarterly results.
The FTSE 100 credit reporting and data company posted 10% revenue growth at constant exchange rates for the three months ended 31st December 2025.
It confirmed that its full-year outlook remains unchanged (total revenue growth of 11%).
However the Dublin-headquartered firm’s main products are credit checks, data requests and identity tools, so when loan levels drop, so does demand for its services – which may explain why its market cap has dropped to £27.5 billion today.
“We delivered strong Q3 growth, with revenue increasing 12% at actual exchange rates, 10% at constant currency and 8% organically, all in-line with our expectations,” said CEO Brian Cassin.
“With continued strong momentum, our full year expectations are unchanged. We continue to leverage our scaled proprietary data assets, strong technology foundations and deep expertise to deliver on our strategic priorities and crystallise exciting new AI opportunities.”
Late last year the firm posted half-year revenues to the end of September of close to $4.1 billion – up 12% on the prior year – with profit before tax of $975m (up 36%).
During that period it acquired UK firm KYC360, enhancing its fraud and financial crime compliance capabilities, and also spent $329m on Clear Sale, a provider of digital fraud prevention solutions in Brazil.
North America now contributes 68% of group revenue, followed by Latin America (14%), UK & Ireland (11%) and EMEA and Asia Pacific (7%).
Experian will release results for the full year ending 31st March 2026 on 20th May 2026.