# Experian plc (EXPN.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Industrials / Professional Services. Price 2801p, market value 24.8 billionp.

## Valuation
- **P/E (trailing): 23.1×** (5-yr avg 2517.2×, 3-yr avg 2360.2×). Experian plc trades at 23.1× trailing earnings, well below its own five-year average of 2517.2×: cheap by its own standards. The Industrials median in the September 2026 study was 25.7×. Forward P/E is 16.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.56**. A PEG of 0.56 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.1×**. Each dollar of revenue is priced at 2.1×.
- **Price / book: 6.1×**. The shares trade at 6.1× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **EV / EBITDA: 6.9×**. Enterprise value is 6.9× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 12.3%** (5-yr avg 0.1%). Free cash flow equals 12.3% of the market value, above its five-year average of 0.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 4.3%**. The inverse of the P/E: 4.3% of the price is earned each year.

## Profitability
- **Gross margin: 25.0%**. Experian plc keeps 25.0% of revenue after the direct cost of what it sells.
- **Operating margin: 24.7%**. 24.7% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 17.8%**. 17.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 27.1%**. 27.1% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 28.6%**. Return on all capital, debt included, is 28.6%: comfortably above what that capital costs.
- **Return on assets: 18.9%**. Each dollar of assets produces 18.9% of profit.

## Growth
- **Revenue growth (1 yr): 10.7%** (3-yr 7.5%/yr, 5-yr 8.2%/yr). Revenue grew 10.7% over the last year, against 8.2% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 29.4%** (3-yr 24.7%/yr, 5-yr 12.0%/yr). Earnings per share rose 29.4%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 25.5%/yr**. Free cash flow has compounded at 25.5% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 1.00**. Debt is 1.00 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 0.9×**. It would take 0.9 years of operating earnings to repay net borrowings, within the comfortable range.
- **Interest coverage: 10.2×**. Operating profit covers interest 10.2× over, a safe margin.
- **Current ratio: 0.85** (quick 0.85). Current liabilities exceed current assets, so the company depends on ongoing cash generation or refinancing to pay the next year's bills.
- **Altman Z-score: 3.28**. A Z-score of 3.28 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 8/9**. 8 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend yield: 1.84%** (1p per share, trailing). Experian plc yields 1.84%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 39%** (28% of free cash flow). 39% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Dividend growth (5 yr): 4.9%/yr** (1-yr 2.5%). The dividend has grown 4.9% a year over five years.
- **Shareholder yield: 4.5%**. Dividends plus net buybacks return 4.5% of the market value a year.

## Price and momentum
- **Total return (1 yr): -28.6%** (YTD -16.7%, 3-mo 7.7%). The shares are down 28.6% over twelve months including dividends.
- **From 52-week high: -29.7%** (27.1% above the low). Trading 30% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 44**. An RSI of 44 is neutral.
- **Beta (1 yr): 0.56** (volatility 31%). Beta of 0.56 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=EXPN.L · Page: https://foliofundamentals.com/stocks/expn.l

Not investment advice.