EXPGY - Experian plc

Other OTC - Other OTC Delayed Price. Currency in USD
36.92
+0.18 (+0.49%)
At close: 3:54PM EST
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Previous Close36.74
Open36.72
Bid0.00 x 0
Ask0.00 x 0
Day's Range36.72 - 36.92
52 Week Range25.91 - 37.71
Volume39,391
Avg. Volume97,808
Market Cap33.453B
Beta (5Y Monthly)0.29
PE Ratio (TTM)46.27
EPS (TTM)0.80
Earnings DateN/A
Forward Dividend & Yield0.29 (0.79%)
Ex-Dividend DateJan 01, 2020
1y Target Est32.60
  • Experian announces exclusive alliance with CarZing to make AutoCheck vehicle history reports available on their website
    PR Newswire

    Experian announces exclusive alliance with CarZing to make AutoCheck vehicle history reports available on their website

    There has been a cultural shift for consumers to research and shop for vehicles online, which means dealers are continually searching for cost effective ways to showcase their inventory. To address this challenge, Experian announced today at the National Automobile Dealers Association (NADA) Show 2020, an exclusive relationship with CarZing, the innovative online vehicle shopping portal. As part of the strategic alliance, dealerships with AutoCheck subscriptions can now list their inventory on CarZing.com and AutoCheck.com for no additional fees.

  • More than half of consumers across the globe don't feel recognized when interacting with businesses digitally
    PR Newswire

    More than half of consumers across the globe don't feel recognized when interacting with businesses digitally

    Today's businesses need to deliver more than personalized products and offers, they need to deliver on customer expectations for security and convenience at every moment. Released today, Experian's annual Global Identity and Fraud Report found that the keys to meaningful online customer engagement are identifying and recognizing consumers time after time. The report found that while 95 percent of businesses are confident in their ability to identify and re-recognize their customers, 55 percent of consumers across the globe don't feel recognized when doing business online. In addition, while business confidence is high, 57 percent of businesses are experiencing rising year-on-year fraud losses, often the result of an inability to recognize customers.

  • Experian Health awarded KLAS Category Leader ranking in Revenue Cycle-Contract Management
    PR Newswire

    Experian Health awarded KLAS Category Leader ranking in Revenue Cycle-Contract Management

    Experian Health, a leading provider of revenue cycle management products that include claims management, payer contract management and patient collections, today announced that it has been awarded the Category Leader KLAS designation for Revenue Cycle-Contract Management in the 2020 Best in KLAS: Software & Services report.

  • Simply Wall St.

    Is Experian's (LON:EXPN) Share Price Gain Of 128% Well Earned?

    When you buy shares in a company, it's worth keeping in mind the possibility that it could fail, and you could lose...

  • New Experian Boost™ Commercials to Feature John Cena
    PR Newswire

    New Experian Boost™ Commercials to Feature John Cena

    A new commercial campaign for the first-of-its-kind financial product, Experian Boost, launched today. The multi-spot campaign for Experian Boost drives home the fact that, for the first time ever, consumers can instantly raise their credit scores, allowing them to take control of their credit like never before.

  • S&P/Experian Consumer Credit Default Indices Show Second Straight Month Of Rising Composite Rates In December 2019
    PR Newswire

    S&P/Experian Consumer Credit Default Indices Show Second Straight Month Of Rising Composite Rates In December 2019

    S&P; Dow Jones Indices and Experian released today data through December 2019 for the S&P;/Experian Consumer Credit Default Indices. The indices represent a comprehensive measure of changes in consumer credit defaults and show that the composite rate rose two basis points to 0.96%. The bank card default rate increased one basis point to 2.95%. The auto loan default rate was unchanged at 1.02% and the first mortgage default rate rose three basis points to 0.80%.

  • Experian North America's Inclusive Workplace Culture Recognized with Prestigious Awards
    PR Newswire

    Experian North America's Inclusive Workplace Culture Recognized with Prestigious Awards

    Fortune and Great Place to Work have recognized Experian North America as one of the Best Workplaces for Diversity. Additionally, for the second year, Experian was awarded a perfect score in the Human Rights Campaign Foundation's 2020 Corporate Equality Index.

  • SRAX and Experian Team Up to Offer Financial Services to BIGtoken Users
    PR Newswire

    SRAX and Experian Team Up to Offer Financial Services to BIGtoken Users

    SRAX, Inc. (Nasdaq: SRAX), a digital marketing and consumer data management technology company, and Experian®, the world's leading global information services company, announce their collaboration to provide people the opportunity to redeem their points in the BIGtoken platform for access to Experian IdentityWorksSM .

  • MarketWatch

    Experian organic revenue grows 7%, backs full-year guidance

    Experian cites a particularly strong performance in Latin America, and backed its guidance for the full year.

  • Experian plc (LON:EXPN) Goes Ex-Dividend In 2 Days
    Simply Wall St.

    Experian plc (LON:EXPN) Goes Ex-Dividend In 2 Days

    Experian plc (LON:EXPN) stock is about to trade ex-dividend in 2 days time. Investors can purchase shares before the...

  • Bloomberg

    Big Tech Is Coming for Banking: Experts Predict Fintech’s 2020

    (Bloomberg) -- Financial technology startups will enter the next decade with a little more street cred than the last time around.Nearly 60 upstarts focusing on financial services -- from Stripe Inc. to Chime Inc. to Plaid Inc. -- have garnered valuations of more than $1 billion in recent years, according to CB Insights. Personal loans -- a category popularized by fintechs like GreenSky Inc. or Affirm Inc. -- are now the fastest growing form of debt in the U.S., Experian data says. And Robinhood sparked a movement toward free stock trading that has shaken the business models of the likes of Charles Schwab Corp. and E*Trade Financial Corp.Still, analysts and experts say there’s more to come. Sweeping mergers and acquisitions have transformed some of the industry’s largest incumbents in payments, who are gearing up for a bigger fight for market share with newcomers. And regulators are looking to have more say over how technology companies venture into financial services.Here’s our annual list of the most important trends, challenges and companies to watch in the New Year.Exit StrategiesMergers and acquisitions have historically been small and rare in the fintech space, but that changed in a big way in 2019. Fiserv Inc., Fidelity National Information Services Inc. and Global Payments Inc. did a series of deals that transformed payment processing in the U.S. More recently, PayPal Holdings Inc. made its largest acquisition ever and Charles Schwab announced it would buy TD Ameritrade Holding Corp. for about $26 billion. That frenzied pace of deal-making might continue through (at least some of) 2020.Lindsay Davis, senior intelligence analyst, CB Insights: “Wealth management will likely see more consolidation from incumbents, who are under pressure to compete for next-gen customers and an army of virally growing fintech apps who have abstracted the client relationship away from the old guard. Charles Schwab buying TD Ameritrade is just the beginning of more strategic consolidation to come.”Matt Harris, partner, Bain Capital Ventures: “I think there is a window during the first half of the year for IPOs, but once summer hits people will be fundamentally distracted by the election. I certainly don’t think it will be fast and furious.”Regulatory ScrutinyMemorably, in 2019 Mark Zuckerberg defended Facebook Inc.’s plan to overhaul the world banking system in front of Congress. (Legislators were not amused.) Our experts think there’s plenty more government scrutiny ahead for financial technology players. That’s even though regulators including the Federal Reserve and the Federal Deposit Insurance Corp. have sought to encourage banks to work with newer technologies like alternative data in their underwriting in an attempt to bring more people into the financial services ecosystem. Companies will need to adjust their strategies accordingly.Alyson Clarke, principal analyst, Forrester: “Regulators are going to start taking a closer look and scrutinizing artificial intelligence. The whole Apple Card and the supposed gender bias -- I think we’ll see more things like this surface. Transparency in AI is critical and ethics in AI is critical and it needs regulatory oversight.”Vanessa Colella, Chief Innovation Officer, Citigroup Inc.: “We want to make sure the people who are transacting are who they say they are. As we get to 40 billion devices online, you can see it’s not just about KYC, or Know Your Customer, it’s KYM, or Know Your Machine -- and being sure that, as these transactions are happening at the edge, that you’re able to validate what the machine is, and whether the machine has the permission and the capability to make that transaction.”The Rise of Digital BanksChime, the leading U.S. digital bank, is now valued at $5.8 billion. That makes it more valuable than some of the country’s largest banks, including New York Community Bancorp, CIT Group Inc. or Synovus Financial Corp. It’s part of a new class of entrants, known as “challenger banks” or “neo-banks,” that’s raised more than $3 billion in venture funding in the first three quarters of this year. With that has come millions of customers. Will they remain loyal? Or will traditional lenders be able to win them back?Frank Rotman, founding partner, QED Investors: “While these neo-banks can’t yet match the complete suite of banking products that a traditional branch-based bank can, this doesn’t matter to the typical consumer because they rarely, if ever, use any of the hundreds of products that are in a bank’s arsenal. So we’ll be talking about challenger banks in 2020 and in 2021 and in 2022 and eventually the ‘challenger’ title will be dropped because they’ll be major players in the ecosystem.”Mitch Siegel, principal, KPMG: “I do believe 2020 is an arms race: You’re going to see a lot of people launching digital banking initiatives. Personalization is what’s changed that game. Cross-selling without personalization seems sleazy but if you can personalize offers, and give me things that are high probability that I actually want them, I’m OK with you trying to sell me other products and services. Make it easy. Know me. Value me. Protect me.”The Bank of Apple? Big Tech Moves InIf you’ve read this annual post before, you’ll be no stranger to predictions that the technology giants of the world will move deeper in to finance. The pace of those moves accelerated this year, however, with Apple launching a credit card with Goldman Sachs Group Inc., Alphabet Inc. announcing a checking product with Citigroup, and Facebook attempting to make a new global currency.Matt Harris: “I think this is inevitable. Tech companies, large and small, will be looking to incorporate payments, lending and insurance in their business models in the coming years, and the smartest and most capable banks will want to be part of that movement. I do think this raises the stakes for pure fintech startups.”Frank Rotman: “The trend is broader than ‘tech getting into finance.’ It should be seen as ‘customer-facing organizations’ offering their customers banking products. Many customer-facing organizations have built up trust with their customers -- as evidenced by high engagement and high net promoter scores -- but don’t want to, nor see the need for, officially becoming a bank. Instead, they can partner with banks that are willing to co-brand or white label their services and offer great banking products to their loyal customers.”Lindsay Davis: “Netflix could also leverage financial services to compete and enable gig-economy workers and freelancers in the film and TV industry, which have been traditionally too niche to serve, and have a unique set of pain points.”To contact the reporters on this story: Julie Verhage in New York at jverhage2@bloomberg.net;Jenny Surane in New York at jsurane4@bloomberg.netTo contact the editors responsible for this story: Michael J. Moore at mmoore55@bloomberg.net, Anne VanderMey, Molly SchuetzFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.

  • Americans end the decade on an eight-year high with an average credit score of 682
    PR Newswire

    Americans end the decade on an eight-year high with an average credit score of 682

    Experian®, the leading global information services company, released key findings from its annual State of Credit report today revealing the average credit score hit an eight year high at 682. Experian's report provides a year-over-year view of average credit scores, debt, delinquencies and card balances. As we prepare for a new decade, this year's report took a close comparative look at how men and women manage credit and debt, shared a glimpse of the financial behaviors of each generation and ranked the states with the highest and lowest average credit scores.

  • S&P/Experian Consumer Credit Default Indices Show Higher Composite Rate In November 2019
    PR Newswire

    S&P/Experian Consumer Credit Default Indices Show Higher Composite Rate In November 2019

    S&P; Dow Jones Indices and Experian released today data through November 2019 for the S&P;/Experian Consumer Credit Default Indices. The indices represent a comprehensive measure of changes in consumer credit defaults and show that the composite rate rose one basis point to 0.94%. The bank card default rate increased six basis points to 2.94%. The auto loan default rate dropped one basis point to 1.02%, and the first mortgage default rate was unchanged at 0.77%.

  • Experian offers its data products on the newly launched AWS Data Exchange
    PR Newswire

    Experian offers its data products on the newly launched AWS Data Exchange

    Experian's data products will now be available in AWS Data Exchange, a new service from Amazon Web Services (AWS) that makes it easy for AWS customers to securely find, subscribe to, and use third-party data in the cloud.

  • Experian Named Top Workplace by Orange County Register
    PR Newswire

    Experian Named Top Workplace by Orange County Register

    Recognizing Experian's culture of inclusion and innovation, the Orange County Register ranked the company as one of the Top Workplaces, and honored it with a special Award of Excellence for corporate values. The award, based on employee feedback in a survey of hundreds of leading companies in Orange County, marks the seventh year in row that Experian has been included on the list.

  • Is Experian plc's (LON:EXPN) High P/E Ratio A Problem For Investors?
    Simply Wall St.

    Is Experian plc's (LON:EXPN) High P/E Ratio A Problem For Investors?

    The goal of this article is to teach you how to use price to earnings ratios (P/E ratios). We'll look at Experian...

  • Used vehicles continue to be the preferred option for car shoppers
    PR Newswire

    Used vehicles continue to be the preferred option for car shoppers

    Used vehicles are commanding a larger share of the U.S. automotive finance market, according to Experian's Q3 2019 State of the Automotive Finance Market report. Used financing increased 2.4 percent year-over-year, reaching 55.15 percent in Q3 2019, compared to 53.86 percent in Q3 2018. The trend appears to be driven by a number of factors, including a higher percentage of prime customers financing used vehicles and an increased availability of late-model vehicles.

  • Experian Predicts the Top Data Breach Trends for 2020
    PR Newswire

    Experian Predicts the Top Data Breach Trends for 2020

    As we look to 2020 and a new decade, cybersecurity will continue to be a top priority for businesses and consumers alike. To help organizations prepare for the next year and beyond, Experian® today released its seventh annual Data Breach Industry Forecast, which predicts the top five threats businesses and consumers should be aware of in order to keep their information safe.

  • S&P/Experian Consumer Credit Default Indices Show Composite Rate Unchanged In October 2019
    PR Newswire

    S&P/Experian Consumer Credit Default Indices Show Composite Rate Unchanged In October 2019

    Lower Bank Card Defaults Offset by Higher Mortgage Defaults NEW YORK , Nov. 19, 2019 /PRNewswire/ -- S&P Dow Jones Indices and Experian released today data through October 2019 for the S&P/Experian Consumer ...

  • Americans Motivated to Improve Holiday Finances
    PR Newswire

    Americans Motivated to Improve Holiday Finances

    COSTA MESA, Calif., Nov. 13, 2019 /PRNewswire/ -- Americans are taking proactive steps to keep their holiday spending in check and making sure they're financially ready for next year, according to an Experian national consumer survey. A majority of those surveyed (84 percent) say they're motivated to improve their finances this holiday season with 66 percent paying for gifts in cash this year and 62 percent planning to pay off debt. Almost half (46 percent) of those surveyed will try to improve their credit score before the start of the new decade.

  • Apple Card’s Gender-Bias Claims Look Familiar to Old-School Banks
    Bloomberg

    Apple Card’s Gender-Bias Claims Look Familiar to Old-School Banks

    (Bloomberg) -- Apple Inc. pitches its new card as a model of simplicity and transparency, upending everything consumers think about credit cards.But for the card’s overseers at Goldman Sachs Group Inc., it’s creating the same headaches that have bedeviled an industry the companies had hoped to disrupt.Social media postings in recent days by a tech entrepreneur and Apple co-founder Steve Wozniak complaining about unequal treatment of their wives ignited a firestorm that’s engulfed the two giants of Silicon Valley and Wall Street, casting a pall over what the companies had claimed was the most successful launch of a credit card ever.Goldman has said it’s done nothing wrong. There’s been no evidence that the bank, which decides who gets an Apple Card and how much they can borrow, intentionally discriminated against women. But that may be the point, according to critics. The complex models that guide its lending decisions may inadvertently produce results that disadvantage certain groups.The problem -- in Washington it’s referred to as “disparate impact” -- is one the financial industry has spent years trying to address. The increasing use of algorithms in lending decisions has sharpened the years-long debate, as consumer advocates, armed with what they claim is supporting research, are pushing regulators and companies to rethink whether models are only entrenching discrimination that algorithm-driven lending is meant to stamp out.“Because machines can treat similarly-situated people and objects differently, research is starting to reveal some troubling examples in which the reality of algorithmic decision-making falls short of our expectations, or is simply wrong,” Nicol Turner Lee, a fellow at the Center for Technology Innovation at the Brookings Institution, recently told Congress.Wozniak and David Heinemeier Hansson said on Twitter that their wives were given significantly lower limits on their Apple Cards, despite sharing finances and filing joint tax returns. Wozniak said he and his wife report the same income and have a joint bank account, which should mean that lenders view them as equals.One reason Goldman has become a poster child for the issue is that the Apple Card, unlike much of the industry, doesn’t let households share accounts. That could lead to family members getting significantly different credit limits. Goldman says it’s considering offering the option.The bank said in a tweet it would also re-evaluate credit decisions if the borrowing limit is lower than the customer expected.“We have not and never will make decisions based on factors like gender,” the company said. “In fact, we do not know your gender or marital status during the Apple Card application process.”With this month’s snafu, Goldman has found itself in the middle of one of the thorniest laws in finance: the Equal Credit Opportunity Act. The 1974 law prohibits lenders from considering sex or marital status and was later expanded to prohibit discrimination based on other factors including race, color, religion, national origin and whether a borrower receives public assistance.The issue gained national prominence in the 1970s when Jorie Lueloff Friedman, a prominent Chicago television anchor, began reporting on her own experience with losing access to some of her credit card accounts at local retailers after she married her husband, who was unemployed at the time. She ultimately testified before Congress, saying “in the eyes of a credit department, it seems, women cease to exist and become non-persons when they get married.”FTC WarningA 2016 study by credit reporting agency Experian found that women had higher credit scores, less debt, and a lower rate of late mortgage payments than men. Still, the Federal Trade Commission has warned that women may continue to face difficulties in getting credit.Freddy Kelly, chief executive officer of Credit Kudos, a London-based credit scoring startup, pointed to the gender pay gap, where women are typically paid less than men for performing the same job, as one reason lenders may be stingy with how much they let women borrow.Using complex algorithms that take into account hundreds of variables should lead to more just outcomes than relying on error-prone loan officers who may harbor biases against certain groups, proponents say.“It’s hard for humans to manually identify these characteristics that would make someone more creditworthy,” said Paul Gu, co-founder of Upstart Network Inc., a tech firm that uses artificial intelligence to help banks make loans.Upstart uses borrowers’ educational backgrounds to make lending decisions, which could run afoul of federal law. In 2017, the Consumer Financial Protection Bureau told the company it wouldn’t be penalized as part of an ongoing push to understand how lenders use non-traditional data for credit decisions.AI PushConsumer advocates reckon that outsourcing decision-making to computers could ultimately result in unfair lending practices, according to a June memorandum prepared by Democratic congressional aides working for the House Financial Services Committee. The memo cited studies that suggest algorithmic underwriting can result in discrimination, such as one that found black and Latino borrowers were charged more for home mortgages.Linda Lacewell, the superintendent of the New York Department of Financial Services, which launched an investigation into Goldman’s credit card practices, described algorithms in a Bloomberg Television interview as a “black box.” Wozniak and Hansson said they struggled to get someone on the phone to explain the decision.“Algorithms are not only nonpublic, they are actually treated as proprietary trade secrets by many companies,” Rohit Chopra, an FTC commissioner, said last month. “To make matters worse, machine learning means that algorithms can evolve in real time with no paper trail on the data, inputs, or equations used to develop a prediction.“Victims of discriminatory algorithms seldom if ever know they have been victimized,” Chopra said.(Updates with Goldman comments in ninth and 10th paragraphs.)To contact the reporters on this story: Shahien Nasiripour in New York at snasiripour1@bloomberg.net;Jenny Surane in New York at jsurane4@bloomberg.net;Sridhar Natarajan in New York at snatarajan15@bloomberg.netTo contact the editors responsible for this story: Michael J. Moore at mmoore55@bloomberg.net, Steve Dickson, Daniel TaubFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.

  • Do Institutions Own Experian plc (LON:EXPN) Shares?
    Simply Wall St.

    Do Institutions Own Experian plc (LON:EXPN) Shares?

    If you want to know who really controls Experian plc (LON:EXPN), then you'll have to look at the makeup of its share...

  • New Experian credit score may improve access to credit for more than 40 million credit invisibles
    PR Newswire

    New Experian credit score may improve access to credit for more than 40 million credit invisibles

    COSTA MESA, Calif., Nov. 7, 2019 /PRNewswire/ -- In a move designed to help credit invisible and thin-file consumers gain access to fair and affordable credit, Experian today announced Experian Lift™ - a new suite of credit score products that combines exclusive traditional credit, alternative credit and trended data assets to create a more holistic picture of consumer creditworthiness. Experian Lift, available for lenders in early 2020, is another step in Experian's commitment to helping improve the financial health of consumers everywhere. Earlier this year, Experian launched Experian Boost – a free and first-of-its-kind financial tool that empowers consumers to add positive telecom and utility payment history directly into their Experian credit file for an opportunity to instantly increase their FICO Score.