{
  "schemaVersion": 1,
  "organisationId": "O-aeb3e029b5da4e2bb6da1f9b92ca802d",
  "slug": "experian",
  "name": "EXPERIAN",
  "updatedAt": "2026-03-20T06:50:54.779532Z",
  "sections": [
    {
      "type": "OVERVIEW",
      "text": "Experian is a global data and technology company that has evolved from a traditional credit bureau into a broader platform using data, analytics, software and integrated services to help businesses and consumers make informed decisions. Its core business spans business-to-business services such as data, decisioning, analytics, software, fraud prevention and identity management, alongside consumer offerings including credit education, credit reports and scores, identity monitoring, fraud prevention and marketplaces for financial products. [P-a8a3cb682852406fa575e0f2b678fda5][P-2ac5eec68628485da6836d3f55d33552][P-303825f6dddd4991b4ebcb710eeed0fa][P-86aef71ef4d144de81c348207d342aba][P-5175b9f319184e3582b66c0666327547][P-9b850332da8d4021b71da0019ebf6653]\n\nThe company frames its purpose as “Creating a better tomorrow” and describes its mission around improving financial inclusion and helping people thrive on their financial journey. Experian operates in 32 countries, with North America its largest market, and reports revenue across four regions: North America, Latin America, UK and Ireland, and EMEA and Asia Pacific. In FY25, Experian generated statutory revenue of US$7.523 billion and had an average monthly workforce of 23,297 employees, indicating a large global operating footprint. [P-a8a3cb682852406fa575e0f2b678fda5][P-7398ae21197c4267aa2f8fc346fa2a4c][P-fae2487ce62a4e6db42241ec840fd0c2][P-46912cb484a44785832d7678cb285764][P-89d7e5e85def4acb81ec5ca9104db636][T-402a6b40fed249ff989c7fa3154ef076][T-3d7467463cf1454c8e1c16c8385bf3cc]\n[P-a8a3cb682852406fa575e0f2b678fda5][P-2ac5eec68628485da6836d3f55d33552][P-303825f6dddd4991b4ebcb710eeed0fa][P-86aef71ef4d144de81c348207d342aba][P-5175b9f319184e3582b66c0666327547][P-9b850332da8d4021b71da0019ebf6653][P-7398ae21197c4267aa2f8fc346fa2a4c][P-fae2487ce62a4e6db42241ec840fd0c2][P-46912cb484a44785832d7678cb285764][P-89d7e5e85def4acb81ec5ca9104db636][T-402a6b40fed249ff989c7fa3154ef076][T-3d7467463cf1454c8e1c16c8385bf3cc]",
      "updatedAt": "2026-03-20T06:50:54.779532Z"
    },
    {
      "type": "PRODUCTS",
      "text": "Experian’s consumer products include free digital platforms used by more than 200 million consumers to understand and manage their credit profiles, personalized Marketplace offers for credit cards and other lending products, an Insurance Marketplace, and identity-protection features such as alerts when new searches are made in a person’s name and the ability to lock or unlock a credit report. [P-bf4f1bc3c3044529ab444ccdf89430fa][P-2e0f9e732e8d404499300016796f1b98][P-722e34aee4ea444e921675a11d0fd096][P-0000214a4a5145ffa57e1f8adc1d34ee] In the U.S., Experian Boost uses non-traditional data including on-time bill payments to build financial profiles; more than 17 million consumers had connected accounts to use Boost or personal financial management tools, and Boost is built into the Experian Smart Money digital checking account and debit card. [P-3c767984c145498c8c256741f5b609a4][P-f83802b13ba5423ab6e9f2c62a8090a2] Experian has also added financial-health features from BillFixer, including bill negotiation and cancellation support for more than 200 subscriptions across categories such as streaming, meal kits and entertainment apps. [P-b56dec133fb44891b2ab89c22a1f5185]\n\nFor businesses, Experian combines its own, third-party and client data into analytics, predictive tools and software embedded in client workflows for credit risk, fraud prevention, identity management, customer engagement, account processing and account management. [P-ad1a39d5287c455ea16f5c10a80104e8] Its Ascend Platform brings together Ascend analytics, PowerCurve decisioning and linked fraud-prevention assets so clients can run risk modelling, customer segmentation, account acquisition and fraud-management workflows in one environment; Experian said the platform had enabled more than 2,000 client solutions and transaction volumes were up around 30% year on year. [P-90bd298498854d54b332880f8cfa13fa][P-72e79167873e496db1b3eca9de20cb8e] The platform also includes Experian Assistant, a GenAI-powered tool that can reduce analytical model-development timelines from months to days or even hours. [P-ac1002cd9d0643e2a2be796871caad11]\n\nSpecialist products include Ascend Fraud services, which provide AI-powered fraud detection and identity verification through a single integration, and NeuroID, which analyzes online behavior such as copying and pasting stolen data, frequent app switching and unusually fast form completion to distinguish legitimate users from fraudsters. [P-3d7c9366987745268b5f4dac9279e7cf][P-d5e40af183c745238a570b1b4e9e85cf] In data quality, Aperture Data Studio is Experian’s single data-quality management platform, and version 3.0 was introduced to help businesses manage, control and understand their data; in automotive, the AutoCheck report for used EVs adds battery details, EV-specific recalls and Recurrent battery health statistics. [P-4103b71f3b55466da07631d1f7828311][P-66ffc369a7c6476f84201cab67c1e7d9][P-a9918c20f8fc4387b6d636015a5dc4d0] By revenue type, Experian says data products are predominantly transactional with some licence fees; decisioning includes software and system sales, recurring licence fees, consultancy and implementation fees, transactional charges, credit-score fees and analytics/professional services; and Consumer Services is monetized through monthly subscriptions, one-off fees, referral fees for financial products and white-label partnerships. [P-5969cc206d924393a29640f8b0be1357][P-9c33b48598c449ac9892576f4ec9b78f][P-17df3dcc48d94d1185bbac1fe741b53d][P-84a57dbc09c646aeaa9870be67db8487][P-14f1f9144205413b982bdec46546b1f5]\n[P-bf4f1bc3c3044529ab444ccdf89430fa][P-2e0f9e732e8d404499300016796f1b98][P-722e34aee4ea444e921675a11d0fd096][P-0000214a4a5145ffa57e1f8adc1d34ee][P-3c767984c145498c8c256741f5b609a4][P-f83802b13ba5423ab6e9f2c62a8090a2][P-b56dec133fb44891b2ab89c22a1f5185][P-ad1a39d5287c455ea16f5c10a80104e8][P-90bd298498854d54b332880f8cfa13fa][P-72e79167873e496db1b3eca9de20cb8e][P-ac1002cd9d0643e2a2be796871caad11][P-3d7c9366987745268b5f4dac9279e7cf][P-d5e40af183c745238a570b1b4e9e85cf][P-4103b71f3b55466da07631d1f7828311][P-66ffc369a7c6476f84201cab67c1e7d9][P-a9918c20f8fc4387b6d636015a5dc4d0][P-5969cc206d924393a29640f8b0be1357][P-9c33b48598c449ac9892576f4ec9b78f][P-17df3dcc48d94d1185bbac1fe741b53d][P-84a57dbc09c646aeaa9870be67db8487][P-14f1f9144205413b982bdec46546b1f5]",
      "updatedAt": "2026-03-20T06:50:54.779532Z"
    },
    {
      "type": "GEOGRAPHY",
      "text": "Experian organizes its business into four geographic operating segments: North America, Latin America, UK and Ireland, and EMEA and Asia Pacific, and it states that it operates in 32 countries. [P-4d0dfe35b1b7417cb7b5a699acbb2c36][P-46912cb484a44785832d7678cb285764] Geographic revenue is heavily weighted toward North America: FY2025 revenue from ongoing activities was US$5,046 million in North America, US$1,066 million in Latin America, US$869 million in UK and Ireland, and US$526 million in EMEA and Asia Pacific, equivalent to roughly 67%, 14%, 12% and 7% of ongoing revenue respectively. [T-5fe11ec0632242c1b6e42dca0a3ec3a3]\n\nEmployee distribution is also led by North America. Average monthly employees in FY2025 were 9,207 in North America, 6,071 in Latin America, 3,790 in UK and Ireland, and 3,964 in EMEA and Asia Pacific, with 23,297 employees in total including central activities. [P-282104ae865c4efab791594507a8bafa][T-3d7467463cf1454c8e1c16c8385bf3cc] Experian lists Dublin, Ireland as its corporate headquarters and Jersey as its registered office, and identifies operational headquarters in Costa Mesa, California in the United States; São Carlos in Brazil; and Nottingham in the United Kingdom. [P-0354167a6dfe4882bd1a5172c7beb5cc][P-82e7e2b7dbeb4040aa52e2bd4e4ec3e2][P-8accc6d8bb924b629b7729ca5ca13b96][P-04a2a4b96bbc41da93515d6c26de6b02][P-64cbf1b6e1eb480e8fc3f079433e793f][P-41010f5b869d4513bc8c1c8f9d9ca75b]\n[P-4d0dfe35b1b7417cb7b5a699acbb2c36][P-46912cb484a44785832d7678cb285764][T-5fe11ec0632242c1b6e42dca0a3ec3a3][P-282104ae865c4efab791594507a8bafa][T-3d7467463cf1454c8e1c16c8385bf3cc][P-0354167a6dfe4882bd1a5172c7beb5cc][P-82e7e2b7dbeb4040aa52e2bd4e4ec3e2][P-8accc6d8bb924b629b7729ca5ca13b96][P-04a2a4b96bbc41da93515d6c26de6b02][P-64cbf1b6e1eb480e8fc3f079433e793f][P-41010f5b869d4513bc8c1c8f9d9ca75b]",
      "updatedAt": "2026-03-20T06:50:54.779532Z"
    },
    {
      "type": "SEGMENTS",
      "text": "Experian’s formally reported operating segments are geographic: North America, Latin America, UK and Ireland, and EMEA and Asia Pacific. In FY2025, these contributed about 67%, 14%, 12% and 7% of group revenue from ongoing activities, respectively. [P-06c7d852625a41e5ab6115b02727fb29][P-5a6ea333c96a4ffe96c3a5303b9ac3c5] North America is the largest segment and is focused on broad B2B coverage across client workflows, including core data products, analytics and software, alternative credit data, fraud prevention, employer services and verification, alongside a scaled consumer platform. [P-6c1f625e57384f2a83e4b55c12c29d82][P-1c1547aec09d48faa3d108d86232078f][P-28a232e446b44667b9da18a647297846] Latin America combines bureau, value-added data and software activity with a growing consumer platform; management highlights SME products, PowerCurve software, analytics scores and attributes, and the Limpa Nome debt-resolution service as key focus areas. [P-c0aacd92011a4dde933a6735ff1f1af9][P-06556c112c774945bfb44cf0976c87f2][P-63077995d5054a99a09cbb7fe49128f4] UK and Ireland centers on B2B data quality, decisioning and verification, plus consumer membership and marketplace services, while EMEA and Asia Pacific is focused on expanding its position in core markets through scores and attributes, decisioning software and fraud-prevention software. [P-4103b71f3b55466da07631d1f7828311][P-dda42c5bcaa74e96978f16d7a9beae84][P-62d1b3ac0de14700af4c608cccd692e4]\n\nExperian also presents its business mix by activity rather than as formal operating segments. On that basis, FY2025 global revenue was approximately 52% B2B Data, 21% B2B Decisioning, and 27% Consumer Services. [P-b9988fea5c664a47a9f824f142958742][P-db35d5beaf4f4451adf045ead3547b96] The B2B activities are aimed at helping businesses use data, analytics and software to make credit, fraud and market decisions, while Consumer Services provides consumers with monitoring, identity protection, personalised offers and other financial-health tools. [P-e5fb56566a2244b8a36548b7d4186460][P-5c11f15e6bac472596e73ad2052002f1] North America, Latin America, and UK and Ireland each generate revenue from both business lines, whereas EMEA and Asia Pacific does not currently generate Consumer Services revenue. [P-1cb2a932fe684cfa9a73fe9b052e7f30]\n[P-06c7d852625a41e5ab6115b02727fb29][P-5a6ea333c96a4ffe96c3a5303b9ac3c5][P-6c1f625e57384f2a83e4b55c12c29d82][P-1c1547aec09d48faa3d108d86232078f][P-28a232e446b44667b9da18a647297846][P-c0aacd92011a4dde933a6735ff1f1af9][P-06556c112c774945bfb44cf0976c87f2][P-63077995d5054a99a09cbb7fe49128f4][P-4103b71f3b55466da07631d1f7828311][P-dda42c5bcaa74e96978f16d7a9beae84][P-62d1b3ac0de14700af4c608cccd692e4][P-b9988fea5c664a47a9f824f142958742][P-db35d5beaf4f4451adf045ead3547b96][P-e5fb56566a2244b8a36548b7d4186460][P-5c11f15e6bac472596e73ad2052002f1][P-1cb2a932fe684cfa9a73fe9b052e7f30]",
      "updatedAt": "2026-03-20T06:50:54.779532Z"
    },
    {
      "type": "HISTORY",
      "text": "Experian says its roots date back to 1826, but the modern company took shape in 1996, when the former TRW Information Services business adopted the Experian name and Great Universal Stores moved to combine it with its CCN operations.[https://www.experianplc.com/about-us/our-history][https://www.americanbanker.com/news/spotlight-on-credit-bureaus-former-trw-unit-has-new-name-new-life][http://articles.latimes.com/1996-11-15/business/fi-64925_1_ccn-experian] Experian was then demerged from GUS in 2006 and has operated as a separately listed public company since its IPO that year.[P-93d4f9917f4c4ee3a58dbb15e4aff63e][P-6edf56c666d048839ff31e4c9acab347][P-1e3fd3758f7544d7816ccfd22cb8c2b1]\n\nIn the years after the demerger, Experian broadened its identity beyond traditional credit reporting. Its own history marks 2007 as a milestone when it began emphasizing analytical insight alongside credit scores, and Brian Cassin’s appointment as chief executive officer on 16 July 2014 was a notable leadership change.[P-fd892fa36a094f16a14025850484877c][P-024423beb2274b9a9cf07d020bb33e57][P-78973854ac754ee2a9675fdb6067e705] The company later identified 2016 as another milestone in extending its strategy toward services intended to improve consumer financial health.[P-f3bdd980bb1e467187e5bf5889beac51][P-521d338f8d5a424b8ff87744bea73853]\n[P-93d4f9917f4c4ee3a58dbb15e4aff63e][P-6edf56c666d048839ff31e4c9acab347][P-1e3fd3758f7544d7816ccfd22cb8c2b1][P-fd892fa36a094f16a14025850484877c][P-024423beb2274b9a9cf07d020bb33e57][P-78973854ac754ee2a9675fdb6067e705][P-f3bdd980bb1e467187e5bf5889beac51][P-521d338f8d5a424b8ff87744bea73853][https://www.experianplc.com/about-us/our-history][https://www.americanbanker.com/news/spotlight-on-credit-bureaus-former-trw-unit-has-new-name-new-life][http://articles.latimes.com/1996-11-15/business/fi-64925_1_ccn-experian]",
      "updatedAt": "2026-03-20T06:50:54.779532Z"
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