Slide 1: Half-yearly results for the six months ended 30 September 2025
Half-yearly results for the six months ended 30 September 2025 12 November 2025 © Experian, 2025. 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 devic
Slide 2: Strategic and operational overview
Strategic and operational overview Brian Cassin, Chief Executive Officer © Experian, 2025. 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
Slide 3: H1 FY26 highlights
H1 FY26 highlights Financials Strategic progress Group organic revenue1 8% B2B highlights Ascend Model North America (NA) 10% governance Patient Access Platform Curator momentum Latin America 4% Cashflow Analytics UK and Ireland (UK&I) 1% Acquisition integrations on-track Acquired EMEA and Asia Paci
Slide 4: Strongly positioned for the AI era
Strongly positioned for the AI era Data fuels AI – we have proprietary, trusted data on Experian is an expert in the processes needed to over 1.4bn consumers and c.150m businesses ensure data is usable, accurate, predictive and valuable Experian data has irreplicable value Matching Pinning Cleansing
Slide 5: Our AI foundations are strong and we're accelerating
Our AI foundations are strong and we’re accelerating Focused strategy to grow and drive competitive advantage • Scaling Ascend AI capabilities Targeted M&A and ventures Expand addressable market • B2C2 ‘do-it-for-me’ Agentic expansion opportunity (TAM1) • Experian Software Solutions • Developed Expe
Slide 6: Client example – driving long-term strategic partnerships
Client example – driving long-term strategic partnerships 3. Adopted our Aperture tool to improve the >5x revenue growth over 18 months 1. Long-term data client, quality of data in all decisions across consumer, fraud and commercial Analytics and model development Credit and fraud decisioning Client
Slide 7: Leveraging AI as a force multiplier to seize our future
Leveraging AI as a force multiplier to seize our future Accelerating Productivity Growing our Addressable Market (TAM) For developers Across the workplace Expanding use Unlocking new cases in our core growth 73% Experian users markets opportunities 88% coding assistant using Workplace adoption Produ
Slide 8: H1 strategic accomplishments B2B
H1 strategic accomplishments B2B New cash flow analytics B2B strategic progress Ascend Platform 34 capabilities GenAI-powered solutions (+15 year-on-year) Experian Assistant for >2,200 client-specific Model Risk Management 4,000+ attributes ~25% lift in model solutions3 unlock insights performance N
Slide 9: H1 strategic accomplishments
H1 strategic accomplishments Consumer Services Unique experiences to help consumers manage and save money • Free consumer memberships – reaches >208m in H1 FY26 • North America • Home vertical expansion – Confirm Your Home feature launched • No Ding Decline offers have double the click-through rate
Slide 10: North America H1
North America H1 +10% organic revenue growth; +12% total revenue growth Business-to-Business +12% organically Financial Services Verticals Credit data, analytics and fraud prevention platform Health – particular strength in AI-driven Patient Access Curator (PAC) • Credit activity – consistently impr
Slide 11: North America Consumer Services H1
North America Consumer Services H1 +8% organically; +12% ex-breach resolution H1 progress Leveraging our scaling audience; Marketplace broadening our offers • Paid membership – growth supported by new feature introductions which add value for members and further enhance customer experience • Marketp
Slide 12: Latin America H1
Latin America H1 +4% organic revenue growth; +15% total revenue B2B Introducing superior products • Brazil – ClearSale makes a strong start, with encouraging pipeline development for augmented Serasa credit risk and fraud portfolio • Macroeconomic environment – cautious Brazil business investment en
Slide 13: Latin America Consumer Services H1
Latin America Consumer Services H1 +18% organic revenue growth Leveraging our audience and our brand to widen H1 progress our offer to consumers • Limpa Nome platform helps Brazil's 79.1m consumers in credit arrears Top of mind • Facilitating a rising volume of debt resolution Serasa is the only top
Slide 14: UK and Ireland H1
UK and Ireland H1 +1% organically; +2% total revenue at constant currency B2B Consumer Services Financial Services - new business momentum Enriching the experience for our UK members • Ascend Sandbox secures multiple new business wins, • Audience expansion, supported by new product features. includi
Slide 15: EMEA and Asia Pacific H1
EMEA and Asia Pacific H1 +6% organic revenue growth; +35% total revenue at constant currency illion acquisition update Regional H1 progress • illion integration makes good progress Organic H1 regional progress • Supported by solid growth across core markets, with notable • Consolidated consumer bure
Slide 16: Financial review
Financial review Lloyd Pitchford, Chief Financial Officer © Experian, 2025. 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 Comm
Slide 17: H1 FY26 highlights
H1 FY26 highlights Constant FX rates Actual FX rates Results Total revenue growth 12% 13% US$4,058m Revenue Organic revenue growth 8% Benchmark EBIT growth 14% 14% US$1,149m EBIT Benchmark EBIT margin +50bps +30bps 28.3% EPS Benchmark earnings per share growth 13% 12% USc85.0 Benchmark operating cas
Slide 18: We are delivering on our medium-term framework
We are delivering on our medium-term framework Revenue EBIT margin Organic Capex1 Capital Deployment Highly diversified strong Leverage of scaling Materially complete on Disciplined approach growth growth plays cloud transition by end of FY26 Reducing technology Strong financial position Scaling of
Slide 19: Strong growth delivery
Strong growth delivery +8% +9% +10% +17% CAGR CAGR CAGR CAGR Revenue Benchmark EBIT Benchmark EPS Benchmark OCF US$bn US$bn USc US$bn 4.1 85.0 76.0 0.9 3.6 1.1 70.4 0.8 3.2 3.4 1.0 65.4 0.7 0.7 0.7 3.1 0.9 61.7 0.8 0.9 2.5 2.5 49.1 47.9 0.6 0.7 0.6 0.3 HY20 HY21 HY22 HY23 HY24 HY25 HY26 HY20 HY21 HY
Slide 20: Consistently strong revenue growth
Consistently strong revenue growth 13% 12% 12% 10% 9% 8% 8% 7% 7% 9% 8% 8% 7% 7% 7% 7% 7% 6% Q1 Q2 Q3 Q4 Q1 Q2 H1 H2 H1 FY25 FY26 FY25 FY26 Inorganic revenue growth Organic revenue growth Growth rates at constant currency and for ongoing activities. 20 © Experian Public
Slide 21: Global B2B & Consumer Services organic revenue growth
Global B2B & Consumer Services organic revenue growth B2B organic growth is consistently strong … … with strong underlying Consumer Services growth 15% 14% 13% 13% 11% 11% 12% 8% 8% 8% 7% 7% 6% 6% 6% 6% 5% 5% Q1 Q2 Q3 Q4 Q1 Q2 Q1 Q2 Q3 Q4 Q1 Q2 FY25 FY26 FY25 FY26 Consumer Services excluding Data Br
Slide 22: Benchmark EBIT margin
Benchmark EBIT margin +100bps +50bps +30bps 0.9% (0.1)% 0.1% 0.1% 29.0% (0.5)% Latin Central 28.5% (0.2)% America UK&I Activities 28.3% and Acquisitions 28.0% Regional Foreign Exchange North mix America 27.2% H1 FY24 H1 FY25 H1 FY26 H1 FY26 H1 FY26 reported reported organic before FX reported Benchm
Slide 23: Segmental Margin Progression
Segmental Margin Progression Consistently strong B2B margins despite dual run Consumer Services is achieving strong operating technology costs and recent acquisitions leverage as the consumer audience scales 35.0% >208m 200 30.0% 150 25.0% 70m 100 Free 20.0% Membership (in millions) 50 30.7% 28.4% 3
Slide 24: Benchmark earnings per share (EPS)
Benchmark earnings per share (EPS) +15% +13% +12% Constant EPS constant currency currency EPS growth at growth growth actual FX +8% Interest Tax and Share Foreign vs H1 FY24 minority issues exchange interest H1 FY26 Benchmark EBIT USc85.0 from continuing operations1 USc76.0 USc70.4 US$92m Benchmark
Slide 25: Reconciliation of Benchmark to Statutory PBT
Reconciliation of Benchmark to Statutory PBT Six months ended 30 September Growth % Growth % US$m 2025 2024 (actual rates) (constant rates) Benchmark profit before tax 1,053 929 13 14 Acquisition and disposal expenses (32) (8) Contingent consideration (1) (2) Restructuring related costs (3) (24) Leg
Slide 26: Cash flow and ROCE
Cash flow and ROCE Operating cash flow Capital employed and ROCE%1 14.0 20.0% FY20 – FY26 CAGR +17% 16.8% 16.6% 16.5% 18.0% 15.7% 15.8% 12.0 15.6% 15.2% ROCE 16.0% 10.0 14.0% 12.0% 8.0 10.0% 0.9 6.0 8.0% 0.8 10.0 0.7 0.7 0.7 8.9 8.0 8.2 6.0% 0.6 7.4 4.0 Capital 6.3 6.7 Employed 4.0% 0.3 2.0 2.0% - 0
Slide 27: Capital investment and leverage
Capital investment and leverage Capex1 as a % of Revenue Net Debt to Benchmark EBITDA 9% 2.0x 8% 8% 1.8x 1.8x 7% Trending over medium term HY24 HY25 HY26 FY29 HY24 HY25 HY26 • Cloud migration tracking in line with expectation: • Leverage modestly below our target range • North America ex Health and
Slide 28: Modelling considerations for FY26
Modelling considerations for FY26 FY26 Guidance Updated Guidance Organic revenue growth 6 - 8% c.8% Inorganic revenue contribution* c.3% c.3% Benchmark EBIT margin1 Good margin improvement +30 to +50 basis points Good margin improvement +30 to +50 basis points Foreign exchange2 Neutral to revenue an
Slide 29: Closing summary
Closing summary Brian Cassin, Chief Executive Officer © Experian, 2025. 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 Communit
Slide 30: Closing summary
Closing summary • Strong H1 financial and strategic progress • Acquisitions on track • Leading next wave of AI data-driven intelligence • Cloud transformation to peak in FY26 • FY26 organic revenue guide now at top end of prior range • On track for our medium-term financial framework 30 © Experian P
Slide 31: Half-yearly results for the six months ended 30 September 2025
Half-yearly results for the six months ended 30 September 2025 12 November 2025 © Experian, 2025. 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 devic
Slide 32: Appendix
Appendix © Experian, 2025. 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 33: 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 U.S. Business Alternative Consumer- Consumer Credit Consumer Credit Consumer Marketing Marketing U.S. Business Credit Credit AutoData Auto Data Alterative FinanceFinance permissioned data
Slide 34: Unlocking the long-term potential of VantageScore
Unlocking the long-term potential of VantageScore Experian Score Choice Bundle Long-term opportunity Significant opportunity for mortgage adoption Credit Profile • 33 million incremental consumers only scored by VantageScore 4.0 • Drives a US$1 trillion increased mortgage loan opportunity Data for S
Slide 35: IR contacts, calendar, ADRs and BDRs
IR contacts, calendar, ADRs and BDRs IR contact details Calendar Experian Nadia Ridout-Jamieson +44 (0)203 042 4200 Chief Communications Officer 21 January 2026 Third quarter trading update, FY26 www.experianplc.com/investors Nadia.RJamieson@experian.com investors@experian.com 20 May 2026 Full-year
Slide 36: Half-yearly results for the six months ended 30 September 2025
Half-yearly results for the six months ended 30 September 2025 12 November 2025 © Experian, 2025. 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 devic