EXPERIAN PLC-SPONS ADR Business Summary

Experian PLC (EXPGY) is a global information services leader that generates revenue through a diversified mix of transactional data contracts, recurring software licenses, and subscription-based consumer services. The company organizes its operations into five primary ecosystems: Financial Services, Consumer Services, Health, Automotive, and Marketing Services. Its core business-to-business (B2B) segment, which accounts for the majority of total revenue, leverages massive proprietary credit and alternative datasets to provide AI-driven decisioning, fraud prevention, and identity verification tools via its integrated Ascend platform. In the competitive landscape, Experian maintains its position as the largest of the "Big Three" global credit bureaus, competing directly with Equifax, TransUnion, and Fair Isaac Corporation (FICO). It distinguishes itself through its superior scale in the North American and Brazilian markets and its aggressive expansion into cloud-native analytical software. The company is led by Chief Executive Officer Brian Cassin, who has spearheaded Experian’s digital transformation and expansion into consumer-centric fintech since 2014. He is supported by Chief Financial Officer Lloyd Pitchford, an experienced finance leader formerly of Intertek Group, and Alex Lintner, who serves as CEO of Experian Technology, Software Solutions, and Innovation. As of July 2026, the Board of Directors is chaired by Adam Crozier, a veteran executive who recently succeeded Mike Rogers and brings a track record of leading major consumer-facing organizations like BT Group and ITV. Founded in 1996 through the merger of TRW Information Systems and CCN Group, Experian is a FTSE 100 constituent with a robust institutional investor base, including major asset managers such as BlackRock and Vanguard.