What Experian does

Experian plc is a global data, analytics and consumer credit reporting company headquartered in Dublin, Ireland, and listed on the London Stock Exchange as a FTSE 100 constituent (ticker EXPN). Founded in 1980, the company operates across 33 countries with 25,200 employees, serving financial institutions, insurers, healthcare providers, automotive lenders, employers, retailers and consumers with credit decisioning, fraud prevention, identity verification, marketing services and consumer credit management. In FY26 (year ended 31 March 2026) Experian reported total revenue of $8.425–8.45 billion (+12–13% YoY, +8% organic), profit before tax of $1.95 billion (+26% YoY), operating profit of $2.045 billion, and 15% EPS growth.

The company is built around the Experian Ascend Platform, a cloud-based data, analytics and decisioning platform that integrates proprietary consumer and commercial datasets with advanced analytics and identity. In 2026 Experian layered a new agentic AI architecture on top of Ascend — the Experian Agent Operating System — together with the Experian Agent Trust 'Know Your Agent' identity framework (co-developed with Visa, Cloudflare and Skyfire), a Transaction Forensics AI fraud platform (built with Resistant AI, using 80+ AI models), NeuroID behavioral analytics, and the consumer-facing EVA virtual assistant serving 85 million users. Other core products include Experian Boost, Experian Verify, Experian Link, Experian Marketplace, Experian BillFixer, Experian Go and Experian IdentityWorks, alongside acquired assets such as AtData (10B+ email addresses, 98% North American active email coverage), KYC360, ClearSale, Illion, NeuroID, Gabi, PagueVeloz, MOVA, CIC Plus, PayDashboard and Konfir.

Experian monetizes primarily through B2B subscription and licensing of the Ascend Platform, decisioning analytics, fraud and identity products to large financial institutions, insurers, healthcare providers and OEMs (multi-year, quote-based contracts). A secondary monetization stream is data monetization and analytics services, including identity verification and fraud prevention that Experian estimates help clients avoid $15–19 billion in fraud losses annually. Consumer services use a freemium model (free credit scores, Boost, BillFixer, marketplace) with revenue from lender partner referrals, and select products (VantageScore 4.0, Experian Link) use unit or usage-based pricing. Geographies span North America, Latin America (via Serasa Experian), UK and Ireland, EMEA, and Asia Pacific, with distribution through direct enterprise field sales, inside sales, self-serve/PLG consumer platforms, marketplace/app store channels (ChatGPT, Snapchat, ServiceNow), and channel partners such as Pagaya and Fiserv.

Name

Experian

Legal name

Experian plc

Website

https://experianplc.com

Company type

Public

Founded year

1980

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Experian plc is a Dublin-headquartered, FTSE 100-listed global data and consumer credit reporting company that uses the Experian Ascend Platform to deliver credit decisioning, fraud prevention, identity verification, marketing and AI services to financial institutions, insurers, healthcare providers, automotive lenders, and 215M+ consumers across 33 countries.

Ownership category

akta.pro rank

Product category

Credit Reporting and Data Analytics

NAICS

Finance and Insurance (52), Custom Computer Programming Services (541511), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Prepackaged Software (7372)

akta.pro primary industry

Accounts Payable (Invoice Processing, 2/3-Way Match, Vendor Payments) (BPAAAGAA)

akta.pro secondary industry

Embedded Tax, Accounting & Invoicing Finance (FSAGALAJ)

Keywords

• Credit reporting services
• Data analytics platform
• Fraud prevention solutions
• Identity verification services
• Consumer credit monitoring

Headquarters

HQ city

Dublin

HQ country

Ireland

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales, Others

Revenue model

1. B2B subscription and licensing: Primary revenue stream from enterprise clients (financial institutions, insurers, healthcare providers, automotive) via subscription and licensing arrangements for the Ascend Platform, decisioning analytics, fraud prevention and data products. FY26 total revenue reached $8.45 billion with 8% organic growth.
2. Data monetization and analytics services: Revenue from proprietary consumer and commercial datasets, alternative data, identity verification, and fraud prevention services; Experian estimates its identity verification and fraud prevention capabilities help clients avoid $15–19 billion in fraud losses annually.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels10 records

Core offering

Experian is a global data and analytics company that operates the Experian Ascend Platform, providing consumer and commercial credit reporting, identity verification, fraud prevention, and decisioning analytics to financial institutions, insurers, healthcare providers, automotive lenders, and consumers. The company generates revenue primarily through B2B subscription and licensing of its data, analytics, and decisioning products, supplemented by consumer-facing credit monitoring, credit-building tools (Boost, BillFixer, Go), and lending/insurance marketplaces.

Product overview

Experian operates a platform-plus-modules architecture built around the Experian Ascend Platform, its core data, analytics, and decisioning platform that integrates identity, data, decisioning and governance capabilities. The recently launched Experian Agent Operating System is an agentic AI layer embedded within Ascend, bringing together Experian, client and partner AI agents through a trust, semantic and orchestration layer for the full lending lifecycle. Companion modules include Experian Agent Trust (a Know Your Agent identity framework for AI-driven commerce), Experian Transaction Forensics (an AI fraud detection product for UK financial institutions developed with Resistant AI), Experian Verify (employment and income verification), Experian Link (payment authentication integrated with Fiserv), and the Experian Marketplace / Activate (consumer lending marketplace integrated with Pagaya). Consumer-facing offerings include EVA (the Experian Virtual Assistant, a generative AI assistant for 85 million consumers), Experian Boost (open-banking credit score tool powered by Finicity), Experian BillFixer (subscription management), Experian Go (credit-building), and the Experian Loans ChatGPT application and Experian Insurance Marketplace. The portfolio also spans acquired brands such as AtData (email intelligence), NeuroID (behavioral analytics), KYC360 (KYC/CLM), CIC Plus (HR and tax compliance), Gabi (insurance aggregator), PagueVeloz (digital payments), MOVA (Brazilian SME fintech), PayDashboard (payslip platform), and a strategic stake in Reward (commerce media), alongside Experian Market IQ (M&A intelligence service) and Experian IdentityWorks (identity protection).

Differentiator

Problem solved

Functional benefit

Brands

• Experian Boost: Consumer credit-score enhancement product that lets users add utility, phone, and streaming subscription payment data to their Experian credit file to raise credit scores in real time.
• Experian Go
• Experian BillFixer
• Experian Verify
• Experian Agent Trust
• Experian Virtual Assistant (EVA)
• Experian Ascend Platform
• Experian Loans
• Experian Link

Products and services

• Experian Ascend Platform
• Experian Agent Operating System
• Experian Agent Trust
• Experian Transaction Forensics
• Experian Loans ChatGPT Application
• EVA (Experian Virtual Assistant)
• Experian Verify
• Experian Link
• Experian Boost
• Experian BillFixer
• Experian Go
• Experian Marketplace / Activate
• Experian Insurance Marketplace
• Experian Market IQ
• Experian IdentityWorks Identity protection and credit monitoring service offered to affected individuals by organizations after data breaches (e.g., 24 months of free credit monitoring and identity restoration services).
• Experian Powercurve Decisioning Decisioning engine that powers credit and risk decisioning across the Ascend Platform, enabling lenders to deploy and manage decision strategies at scale.

Quantifiable outcome

• 200% increase in authorized push payment (APP) fraud detection, 80% reduction in false positives, and 50% decrease in alert volumes with Transaction Forensics pilot
• +6 more outcomes

Named customers12 records

Segments8 records

Ideal customer profiles7 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability12 records

Feature11 records

Partnerships

21 partnerships are on record, tiered flagship, core and minor.

• OpenAI (ChatGPT)flagshipChannel Partner/ Reseller/ Distributor · 4 June 2026Experian launched the Experian Loans ChatGPT application allowing consumers to explore personal loan offers from Experian Marketplace lenders directly within ChatGPT; combines conversational AI with Experian's marketplace, lender network and infrastructure.
• FiservflagshipTechnology or Integration · 28 May 2026Collaboration to integrate Fiserv's VerifyNow Advantage real-time bank account and debit card ownership verification into Experian Link, helping merchants combat AI-powered fraud and reduce false declines; one major US retailer reported $8M in additional monthly revenue from previously declined transactions.
• ServiceNowflagshipStrategic or Co-development Partner · 15 May 2026Global multi-year strategic partnership announced 15 May 2026 to integrate Experian Ascend Platform data and decisioning capabilities directly into the ServiceNow AI Platform. Initial use cases include employee onboarding, third-party risk management and model lifecycle governance in highly regulated sectors. ServiceNow became the first partner to integrate with Experian's Agent Operating System, rolling out to more than 2,300 client solutions globally.
• Akamai TechnologiesflagshipStrategic or Co-development Partner · 15 May 2026Akamai joined the Experian Agent Trust partner ecosystem to enhance secure, AI-driven digital commerce. Akamai's unified Agentic Security Framework for Bot & Agent Control was built with partners including Visa, Skyfire, Experian, Auth0, Ping Identity and TollBit, with a 'Know Your Agent' identity verification framework.
• Pagaya TechnologiesflagshipChannel Partner/ Reseller/ Distributor · 11 May 2026Strategic partnership integrating Pagaya's AI-driven lending technology into Experian Marketplace to provide real-time underwriting and credit recommendations; accessible to over 80 million Experian members via the Activate platform.
• AnthropiccoreTechnology or Integration · 6 May 2026Experian included as a data connector alongside Verisk and Dun & Bradstreet in Anthropic's expanded data connector ecosystem supporting 10 new pre-built AI agents for financial workflows.
• VisaflagshipStrategic or Co-development Partner · 30 April 2026Visa is a foundational ecosystem partner for the Experian Agent Trust framework, designed to verify the link between consumers and AI agents for autonomous commerce; integrates with Visa's Trusted Agent Protocol to enable secure agentic payments.
• CloudflarecoreTechnology or Integration · 30 April 2026Cloudflare joined the Experian Agent Trust partner ecosystem alongside Visa and Skyfire, contributing to a layered trust stack for agentic commerce, identity verification and secure AI-driven transactions.
• SkyfirecoreTechnology or Integration · 30 April 2026AI startup Skyfire co-developed the Experian Agent Trust framework with Cloudflare and Visa, applying Experian's identity verification and KYC expertise to standardize agent-related information exchange similar to anti-money laundering compliance.
• Snap Inc. (Snapchat)flagshipGTM or Marketing Partner · 28 April 2026Experian is the first named brand partner for Snapchat's AI Sponsored Snaps alpha launch, embedding a brand-operated AI agent in Snapchat Chat for credit and personal finance education conversations, with measured 52% more efficient cost per install and 51% more efficient cost per registration vs. traditional creative.
• DiaceuticscoreStrategic or Co-development Partner · 27 April 2026Partnership to integrate Diaceutics' AI-driven diagnostic audiences into Experian's marketing platform, enabling real-time, NPI-level clinician targeting for life sciences and pharma marketers; data refreshes daily for near real-time campaign optimization.
• AtDataflagshipStrategic or Co-development Partner · 23 February 2026Experian acquired AtData, a data and intelligence firm specializing in real-time email insights, adding more than 10 billion email addresses and 98% of active emails in North America to Experian's identity assets; builds on a 15-year partnership and integrates into Experian's consumer data and decisioning platforms.
• KYC360coreStrategic or Co-development Partner · 1 November 2025Acquisition of KYC360 in the United Kingdom and Ireland to strengthen fraud prevention and financial crime compliance solutions; KYC360's Customer Lifecycle Management solutions integrate into Experian's Ascend platform, enhancing compliance, onboarding speed and operational efficiency.
• Resistant AIcoreStrategic or Co-development Partner · 1 July 2025Experian made a strategic investment in Resistant AI in July 2025 and co-developed the Transaction Forensics AI fraud platform, combining Resistant AI's behavioral and transaction analytics with Experian's datasets across 80+ AI models; pilot delivered 200% uplift in APP fraud detection, 80% reduction in false positives and 50% decrease in alert volumes.
• NeuroIDcoreStrategic or Co-development Partner · 13 August 2024Experian acquired NeuroID, a behavioral analytics company, to enhance its fraud detection capabilities using digital behavioral signals and analytics; combined solutions aim to improve real-time fraud mitigation across various industries.
• RewardminorStrategic or Co-development Partner · 22 May 2024Experian acquired a strategic stake in Reward, a customer engagement and commerce media company, as part of an expanded partnership to leverage data analytics for personalized rewards offerings and global scaling.
• Mastercard (Finicity open banking)coreTechnology or Integration · 1 January 2024Finicity (Mastercard) provides the open banking platform that powers Experian Boost, processing utility, phone and streaming bill data in seconds; Finicity's analytics identifies Boost-relevant data streams for users more than 65% of the time.
• PayDashboardminorStrategic or Co-development Partner · 1 July 2022Experian acquired PayDashboard, a London-based interactive payslip platform, to promote digital payslip sharing and employee engagement and integrate with payroll software for additional features.
• CIC PluscoreStrategic or Co-development Partner · 11 April 2022Experian acquired CIC Plus, a provider of HR and tax compliance solutions, to expand services for U.S. employers and improve regulatory compliance, employee management and technological integration offerings.
• GabicoreStrategic or Co-development Partner · 19 November 2021Experian acquired US-based insurance aggregator Gabi for $320M to expand its presence in the insurance marketplace; Gabi focuses on auto insurance and works with numerous carriers across the US.
• PagueVelozcoreStrategic or Co-development Partner · 19 October 2021Serasa Experian acquired Brazilian fintech PagueVeloz for $33M, specializing in payment and collection systems; founded in 2012 in Santa Catarina, providing digital payment services to SMEs and consumers and enabling immediate debt reduction after payment to improve customer credit scores.

Scale indicators12 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Equifax: US-headquartered global credit bureau and data analytics company. Direct head-to-head competitor with Experian in US, UK, Canada, Australia and Latin America credit reporting, fraud and identity verification. Most comparable peer given overlapping product, regulatory and customer footprint.
• TransUnion: Global credit bureau and information services company competing directly with Experian in consumer credit reporting, risk and information services. Closest like-for-like peer in scale, product breadth and regulatory exposure across the US, UK, India, Africa and Latin America.
• FICO: Provider of FICO Scores and analytics software that underpins most US credit decisions and competes with Experian's VantageScore offerings. Comparable in analytics, decisioning and lending risk software, with overlap on credit scoring, fraud and customer management products.
• LexisNexis Risk Solutions: Data, analytics and identity verification business within RELX that competes with Experian in fraud, identity, KYC/AML and insurance/financial services decisioning. Strong overlap in insurance and public records data, identity verification and risk analytics.
• Dun & Bradstreet: Global business data and analytics provider, particularly dominant in commercial credit reporting. Comparable in business-to-business data, marketing and decisioning services, and recently repositioned toward AI-driven commercial data and agentic workflows.

Broad incumbents

• Verisk Analytics: Data analytics and risk assessment firm serving insurance, financial services and government. Overlaps with Experian's insurance and analytics offerings and recently announced a $30B take-private, comparable in scale and analytics orientation but focused on insurance/E&S verticals.
• Mastercard: Global payments network whose open banking platform (Finicity) powers Experian Boost and which competes in identity, fraud and open banking data. Relevant peer because of shared data, identity and fraud prevention adjacencies and overlap in consumer financial services.
• Visa: Global payments network and Experian Agent Trust launch partner, with overlapping fraud, identity and tokenization capabilities. Comparable in transaction authentication, AI-driven fraud prevention and embedded finance infrastructure at massive global scale.
• PayPal: Digital payments and consumer credit platform with consumer-facing financial products (PayPal Credit, Honey) and risk/identity infrastructure. Comparable to Experian in consumer credit data, marketplace lending and merchant fraud decisioning.

Emerging players

• IDEMIA: Identity and security solutions provider (financial services, public security, telecommunications). Overlaps with Experian's identity verification and KYC360 capabilities, particularly relevant as biometric and digital identity become central to agentic commerce.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Experian
• Facebookfacebook.com/ExperianNews
• LinkedInlinkedin.com/company/experian

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Subsidiaries12 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A78 records

Investments27 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Experian