Slide 1: Investor relations presentation
Investor relations presentation May 2026 © Experian, 2026. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in t
Slide 2: The Experian team
The Experian team Brian Cassin Chief Executive Officer Lloyd Pitchford Chief Financial Officer Nadia Ridout-Jamieson Chief Communications Officer Jeff Goldstein SVP, Investor Relations 2 © Experian Public
Slide 3: Get access to more IR resources
Get access to more IR resources Watch our video product demos Our reporting Ascend Platform NA Consumer NA Insurance NA Automotive UK ReFi Annual Reports Sustainability Reports Services EVA Marketplace Learn more insights from our IR events Bookmark our PLC site for more video demos Lloyd Pitchford
Slide 4: Our investment case
Our investment case 1. Consistent performance and disciplined capital 2. Exposure to structural growth in global 3. A differentiated global leader with unique data allocation information services and scalable platforms • Proven track record of profitable growth, resilient • Operates in a growing mar
Slide 5: Interactive contents page
Interactive contents page Section 1 Introducing Experian Pages 6-16 Section 2 Our strategy Pages 17-21 Section 3 FY26 overview Pages 22-36 Section 4 Sustainability and Governance Pages 37-43 Appendix Contact details, ADR, BDR Pages 44-50 5 © Experian Public
Slide 6: Introducing Experian
Introducing Experian © Experian, 2026. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product
Slide 7: Snapshot of Experian – a market leader with great diversification
Snapshot of Experian – a market leader with great diversification Experian is a world leading data and technology company We bring the power of data, analytics and technology to transform lives and deliver better outcomes for people, for businesses and for our communities: 9,000 8,4451 • We are driv
Slide 8: Business activities and global revenue split
Business activities and global revenue split By region By business activity 7% EMEA and Asia Pacific 14% UK and Ireland 67% Verticals Financial 7% Services 20% 11% 53% 15% North America Latin America Consumer Services 21% 67% 27% 52% Data Business-to-Business 73% Diverse portfolio by region, busines
Slide 9: Strong growth delivery
Strong growth delivery +8% +10% +10% +11% CAGR CAGR CAGR CAGR Revenue US$bn Benchmark EBIT US$bn Benchmark EPS USc OCF US$bn +$3.2bn +$1.0bn +$1.0bn 8.4 179.8 2.2 7.5 2.4 2.0 7.1 156.9 1.9 6.3 6.6 2.1 145.5 1.8 1.8 1.9 135.1 5.4 1.8 124.5 1.5 5.2 1.6 103.0 103.1 1.2 1.4 1.4 FY20 FY21 FY22 FY23 FY23
Slide 10: We are delivering on our medium-term framework
We are delivering on our medium-term framework Revenue EBIT margin4 Organic Capex1 Capital Deployment Medium term framework High single-digit Good margin Trending to 7% Growing contribution organic growth progression Capex % of revenue from capital deployment FY25 - FY29 +30-50bps annually Organic A
Slide 11: Strategic delivery – extending our record; strengthening our competitive position
Strategic delivery – extending our record; strengthening our competitive position Expanded revenue from new and scaling products Expanding Consumer Services end-markets Revenue US$bn 11% c.2,000 2 5 Year Payments CAGR Scaling products: Breach Services c. 700 • Analytics (e.g. Ascend modules) (US$m)
Slide 12: Consistent segmental progression
Consistent segmental progression Consistently strong B2B margins despite technology Consumer Services is achieving strong operating dual run costs, recent acquisitions and FICO leverage as the consumer audience scales mortgage royalties 35.0% >215m 200 30.0% 150 25.0% Free 82m membership 100 (in mil
Slide 13: Strong financial position and funding
Strong financial position and funding Benchmark operating cash flow (US$bn) +$1.0bn +11% OCF CAGR 2.2 • Highly cash-generative business model 1.9 2.0 1.5 1.8 1.8 with US$1bn in annual cashflow added 1.2 since FY20 FY20 FY21 FY22 FY23 FY24 FY25 FY26 • Strong financial discipline with 17% ROCE ROCE 16
Slide 14: Trusted data. Embedded products. Delivered at scale
Trusted data. Embedded products. Delivered at scale Our competitive advantage AI increases the value of Trusted position at the Structural advantages that proprietary data core of workflows compound Accelerating demand for trusted, Generating critical signals clients rely on Compliance at scale: acc
Slide 15: Proprietary data at the centre – North America case study
Proprietary data at the centre: we continue to invest across our data estate – North America case study Consumer Alternative Consumer- Consumer Credit Consumer Credit Consumer Marketing Marketing U.S. Business Credit Business Credit AutoData Auto Data Alterative FinanceFinance permissioned data • 25
Slide 16: Our ongoing expansion of data breadth and depth
Our ongoing expansion of data breadth and depth – North America case study 2001 2024 2001 Trended Transaction Financial 1980’s Data Data Data Exchange Traditional 2019 2021 2009 Expanded Financial 2026 Credit Data Email Address Rental 2017 Public Account Business Credit and Data Alternative Records
Slide 17: Our strategy
Our strategy © Experian, 2026. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and com
Slide 18: Our strategic framework
Our strategic framework Business-to-Business (B2B) Business-to-Consumer (B2C) Fundamental pillars Lead next phase of credit risk, digital Maximise Become pre-eminent consumer finance marketing, fraud and identity evolution synergies platform High-performing, purpose- driven culture Superior data Key
Slide 19: FY26: Expanding our markets; extending our reach
FY26: Expanding our markets; extending our reach Strategic highlights Driving enhanced productivity Addressing new AI-enabled opportunities Revenue from new and scaling products Majority of developer base using AI code- contributes c.US$2bn of FY26 Group revenue generation tools Experian Agent New H
Slide 20: AI: expanding our >US$155bn total addressable market
AI: expanding our >US$155bn total addressable market through new engines of growth Greater intensity in existing New market opportunities New distribution channels markets Shift to 24/7 continuous, AI creating new cases New AI-driven interfaces lifecycle decisioning (e.g. fraud, agentic commerce) (c
Slide 21: Capturing AI-enabled value pools
Capturing AI-enabled value pools: >US$15bn¹ opportunity identified Know Your Agent for agentic commerce Ascend platform expansion. ‘Trust Score’ Unified trust layer unlocking safe decisioning Tie agentic transactions to verified human identity Extending into AI-enabled governance, fraud investigatio
Slide 22: FY26 overview
FY26 overview © Experian, 2026. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and co
Slide 23: FY26 highlights: a strong year of delivery and strategic progress
FY26 highlights: a strong year of delivery and strategic progress FY26 financial highlights Actual rate revenue growth +13% Constant rate total revenue +11% • Organic revenue at top end of our guidance range Organic revenue growth¹ +8% Consumer Services¹ +9% • Exceeded our margin target for second c
Slide 24: Revenue growth trend
Revenue growth trend 12% 11% 10% 9% 8% 8% 7% 7% 5% 8% 8% 8% 7% 7% 7% 7% 6% 5% H1 H2 H1 H2 H1 H2 Full Year Full Year Full Year FY24 FY25 FY26 FY24 FY25 FY26 Inorganic revenue growth Organic revenue growth Growth rates at constant currency and for ongoing activities 24 © Experian Public
Slide 25: North America: FY26 organic revenue +10%
North America: FY26 organic revenue +10% B2B +12%; Financial Services +14%; Verticals +8% Platform expansion supports excellent client Growing demand for our differentiated data renewal year • 100% renewal rate with renewals for top Strategic clients1 • Supported by mortgage, Clarity, and cashflow p
Slide 26: North America: Consumer Services FY26 organic revenue +6%
North America: Consumer Services FY26 organic revenue +6% Expanding our audience Expanding and diversifying revenue sources • Free member growth +9% to 86m • Strong marketplace progress; premium enrolments pick-up in H2; data breach services contracts roll-off • New distribution partnerships - Snap
Slide 27: Latin America FY26 organic revenue +8%
Latin America FY26 organic revenue +8% FY26 B2B Expanding our|audience +3% FY26 and Expanding Consumer Services diversifying | +23% revenue sources Strong new business and cross-sell Expanding our audiences • Supports Q4 step-up to 12% B2B organic revenue growth; • Free memberships +7% to 116m drive
Slide 28: UK and Ireland; EMEA and Asia Pacific
UK and Ireland; EMEA and Asia Pacific UK and Ireland | FY26our Expanding organic revenue +2% audience EMEA and Asiaand Expanding Pacific | FY26 organic diversifying revenuerevenue +5% sources B2B flat; strong year for new business wins, Strengthening our position across core markets with improving B
Slide 29: Revenue growth by region
Revenue growth by region Inorganic Organic Consumer Services Organic B2B: Verticals Organic B2B: Financial Services +5% +2% +8% Organic Growth % +8% +$105m +$73m US$8,425m +10% +$231m +$541m US$7,475m +$950m FY25 North Latin UK and EMEA and FY26 Total America America Ireland Asia Pacific Total Numbe
Slide 30: Benchmark EBIT margin
Benchmark EBIT margin +0.9% (0.3)% +0.9% (0.2)% (0.1)% 28.6% (0.2)% Inorganic Inorganic 28.1% FX 27.6% FX Organic Organic +50 bps +50 bps FY24 FY25 FY26 reported reported reported Benchmark EBIT margin on an ongoing activities basis 30 © Experian Public
Slide 31: Operating leverage from productivity
Operating leverage from productivity Over 300bps reduction Labour cost as % of Revenue 35% • +90bps organic constant FX margin in 33% FY25 and FY26 32% US$bn Reported, actual rates • Over 300bps of labour productivity Revenue Benchmark Labour cost +9% • Organic FTE broadly flat 8.4 Revenue CAGR 7.1
Slide 32: Benchmark earnings per share (EPS)
Benchmark earnings per share (EPS) +14% +13% +15% Constant EPS constant EPS growth currency currency growth growth at actual FX +8% Interest vs FY24 Tax and Share Foreign minority issues exchange interest FY26 Benchmark USc179.8 EBIT from continuing operations1 USc156.9 USc145.5 US$185m Benchmark Av
Slide 33: Reconciliation of Benchmark to Statutory PBT
Reconciliation of Benchmark to Statutory PBT Year ended 31 March Growth % Growth % US$m 2026 2025 (actual rates) (constant rates) Benchmark profit before tax 2,212 1,926 15% 14% Acquisition and disposal related expenses (48) (42) Restructuring costs (28) (50) Insurance reimbursements and other costs
Slide 34: M&A contribution to growth
M&A contribution to growth Acquisitions completed in FY25 contributing to FY26 Completed acquisitions in FY26: US$0.8bn spend Brazil Proprietary fraud dataset supporting ecommerce transactions in Brazil FY26 Inorganic Growth EMEA & Asia Pacific Income verification from unique payroll relationships C
Slide 35: Use of funds and ROCE
Use of funds and ROCE FY26 Use of funds Capital employed (US$bn) and ROCE%2 0% US$2.8bn US$2.8bn 12.0 ROCE 16% 15% 16% 16% 17% 17% 17% -10% Increase in Net debt Acquisitions and -20% minority 10.0 0.5 investments -30% 0.8 8.0 -40% Share repurchases -50% Funds from 6.0 0.7 Operations1 10.3 -60% 9.3 2
Slide 36: Modelling considerations for FY27
Modelling considerations for FY27 FY27 Guidance Organic revenue growth 6% – 8% Inorganic revenue contribution* c. 1% Benchmark EBIT margin1 c. +50 basis points Foreign exchange2 1% - 2% on revenue and Benchmark EBIT Net interest US$250m – US$260m Benchmark tax rate c. 26% Share repurchases New US $1
Slide 37: Sustainability and Governance
Sustainability and Governance © Experian, 2026. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Othe
Slide 38: Our role in society
Our role in society Helping people thrive on their financial journey We’re using our data, products, services and c.380,000 19m+ ‘credit invisibles’ consumers have expertise to fulfil our ambition to help people have established a connected their accounts credit profile through to Experian Boost or
Slide 39: Our sustainability strategy
Our sustainability strategy OUR PURPOSE: Creating a better tomorrow Our goals OUR AMBITION: Helping people thrive on their financial health journey Financial health: DELIVERED BY Driving financial Enabling our clients to Building financial health • Helping people thrive on their financial inclusion
Slide 40: Sustainability and governance performance overview
Sustainability and governance performance overview • Social Fortune o Opportunity to significantly advance global financial inclusion, 100 Best supporting UN Sustainable Development Goals 1.4, 8.10, 9.3 Companies To Work o Data security and privacy is of highest focus, ISO 27001 standard For 2025 o
Slide 41: Sustainability governance
Sustainability governance Sustainability governance at Experian includes clear oversight from the Board, Audit Committee and Group Operating Committee. Additionally, the Security and Continuity Steering Committee, a subcommittee of the Executive Risk Management Committee, oversees management of data
Slide 42: Cybersecurity overview
Cybersecurity overview Cybersecurity at Experian is led globally by our Chief Information Security Officer and embedded within our enterprise risk management framework. Oversight is provided through executive security and risk committees, with ultimate governance through the Audit Committee of the B
Slide 43: Our environmental commitments and progress
Our environmental commitments and progress Progress against our targets Our climate strategy Scope 1 & 2 Emissions Reduction Supplier Engagement Focus areas 90% 41% as of FY26, we are outperforming 2030 of our suppliers by spend have a target of 50.1% science-based target in place 1 Decarbonising ou
Slide 44: Appendix
Appendix © Experian, 2026. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and company
Slide 45: Organic growth by region and segment
Organic growth by region and segment % of Group FY26 Revenue Q1 Q2 Q3 Q4 H1 H2 FY Group 100% 8% 9% 8% 9% 8% 8% 8% Financial Services 53% 9% 7% 7% 11% 8% 9% 9% Verticals 20% 6% 8% 7% 6% 7% 6% 7% Business to Business 73% 8% 7% 7% 10% 8% 8% 8% Consumer Services 27% 6% 12% 10% 6% 9% 8% 9% North America
Slide 46: Experian business activities
Experian business activities Business-to-Business (B2B) Our services How we help We provide AI-enabled data, analytics and model ● Credit development to help clients at every step of their ● Fraud prevention customer journey: we help our clients to find and Financial Services ● Identity onboard new
Slide 47: B2B – Financial Services
B2B – Financial Services WHAT WE DO • Provide AI-enabled data, analytics and model development to help clients at every step of their customer journey: find and onboard new customers, assess creditworthiness, prevent fraud and meet regulatory requirements. • Our ambition is to deliver the majority o
Slide 48: B2B – Verticals (Automotive, Health and Marketing Services)
B2B – Verticals (Automotive, Health and Marketing Services) WHAT WE DO Address large and complex industries where data and analytics are increasingly utilised, and where Experian can help clients solve critical problems. 1. AUTOMOTIVE 2. HEALTH 3. MARKETING SERVICES What we do What we do What we do
Slide 49: Consumer Services
Consumer Services WHAT WE DO • Through our mobile-first and digital experiences, we provide access to credit monitoring, identity protection, personalised financial offers and tools that support better decision-making across the consumer lifecycle. • By combining proprietary data, advanced analytics a
Slide 50: IR contacts, calendar, ADRs and BDRs
IR contacts, calendar, ADRs and BDRs IR contact details Calendar Experian Nadia Ridout-Jamieson 16 July 2026 First quarter trading update, FY27 +44 (0)203 042 4200 Chief Communications Officer www.experianplc.com/investors 22 July 2026 AGM Nadia.RJamieson@experian.com investors@experian.com 18 Nov 2