**Summary**
Experian plc, a global data and technology company, released its third-quarter trading update for the period ended December 31, 2025. The company reported strong growth, with revenue increasing by 12% at actual exchange rates, 10% at constant currency, and 8% organically, meeting expectations. CEO Brian Cassin highlighted continued momentum and reaffirmed full-year expectations, emphasizing the companys focus on leveraging proprietary data assets, technology, and AI opportunities.
**Key Highlights**
1. **Regional Performance**
**North America (68% of Group revenue)** Organic revenue growth of 10%, driven by strong B2B performance (11%) in Financial Services and Verticals, particularly in mortgage profiles, cashflow products, and automotive solutions. Consumer Services grew 8%, led by marketplace growth in credit cards, personal loans, and insurance.
**Latin America (14% of Group revenue)** Organic revenue growth of 6%, with Consumer Services surging 23% due to 100 million free members in Brazil and strong performance in Limpa Nome. B2B growth was flat, impacted by macroeconomic challenges.
**UK and Ireland (11% of Group revenue)** Organic revenue growth of 3%, with Consumer Services growing 14% due to marketplace momentum and the launch of the 1250 credit score. B2B revenue was flat amid soft economic conditions.
**EMEA and Asia Pacific (7% of Group revenue):** Organic revenue growth of 3%, with strong performance in Italy, Spain, and South East Asia, despite tough comparables from the previous year.
2. **Business Segments**
**B2B (72% of Group revenue)** Organic revenue growth of 7%, driven by Financial Services (7%) and Verticals (7%).
**Consumer Services (28% of Group revenue):** Organic revenue growth of 10%, supported by marketplace expansion and premium subscription growth.
3. **Strategic Initiatives**
Continued integration of acquisitions like ClearSale and KYC360, enhancing product capabilities and fraud prevention solutions.
Expansion of proprietary scores and Ascend Platform into new geographies.
Launch of innovative features like No Ding Decline and Patient Access Curator.
4. **Future Outlook**
Full-year expectations remain unchanged, with continued focus on strategic priorities and AI opportunities.
Full-year results for the period ending March 31, 2026, will be released on May 20, 2026.
Experian remains committed to driving growth through innovation, strategic acquisitions, and leveraging its global data and technology capabilities.