Press Releases
- Total Dollar Value of At-Risk Auto Loans Dropped by 10 Percent, According to Experian Automotive
- Experian Brings Affordable Fraud Protection to Small and Medium-Sized Enterprise
- The Truth Behind Medical Identity Theft: What You Don't Know Can Cost You
- Experian Automotive Expands Vehicle Data Service Offerings with Manheim
Company Profile
Experian® is the leading global information services company, providing data and analytical tools to clients in more than 65 countries. The company helps businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. Experian also helps individuals to check their credit report and credit score, and protect against identity theft.
Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Total revenue for the year ended 31 March 2009 was $3.9 billion. Experian employs approximately 15,000 people in 40 countries and has its corporate headquarters in Dublin, Ireland, with operational headquarters in Nottingham, UK; Costa Mesa, California; and São Paulo, Brazil.
Principal Activities
Experian's vision is for our people, data and technology to become a necessary part of every major consumer economy in the world.
We report our financial performance on a geographical basis across four regions – North America, Latin America, UK and Ireland and EMEA/Asia Pacific. Our activities in these regions are grouped into four principal business lines.
Credit Services
Credit Services helps organizations to acquire new customers for credit products, to predict and manage credit risk, and to reduce their exposure to bad debt and fraud. Experian maintains very large, comprehensive databases that hold the credit application and repayment histories of millions of consumers and businesses.
Decision Analytics
Decision Analytics enables organizations with large customer bases to manage and automate huge volumes of day-to-day decisions. Experian’s clients include international banks, utility companies and public service providers, who rely on our predictive tools and sophisticated software to control decision-making at all points of contact with customers.
Marketing Services
Marketing Services helps organizations to target and engage customers effectively, while delivering improved return on investment. Experian maintains extensive geographic, demographic and lifestyle data on consumers and businesses. This information is used in conjunction with advanced analytical systems to enable clients to understand their customers and execute relevant communications across a variety of channels.
Interactive
Interactive enables consumers to manage and protect their personal credit files and to make more informed purchasing decisions. Experian provides credit reports directly to consumers, together with credit scores and tools for preventing identity theft. We also provide businesses with lead generation by connecting them with consumers over the internet.
Strategy
Experian's principal business lines are characterized by their market-leading positions, high barriers to entry, global reach and potential for long-term growth, as well as their attractive financial characteristics. In order to capitalize on the opportunities available to us and to drive long-term shareholder value, our strategy is centered on three elements:
1. Focus on data and analytics
At the heart of what Experian does is the ownership and operation of very large and comprehensive consumer and commercial data assets. From these we are able to extract significant extra value by applying our own proprietary analytics and software. This combination of data and analytics is a key differentiator.
Experian is therefore focusing investment on developing these core capabilities to enable us to build market-leading positions in credit risk management and targeted marketing. We are also taking advantage of synergies across our credit and marketing activities to enable us to leverage a significant number of data management processes that serve clients in both areas.
2. Drive profitable growth
Experian has excellent positions in its two end-markets of credit and marketing and our aim is to drive organic revenue growth by leveraging our scale and focusing on ‘best-in-class' performance.
Experian's strategic framework for driving profitable growth has the following components:
- Increase global reach - by expanding our global network and extending our existing capabilities into new geographic and vertical markets.
- Innovate to stay ahead - by promoting our culture of innovation and investing in new data sources and enhanced analytics to deliver significant value to clients.
- Drive operational excellence - by leveraging our global scale and common platforms in order to deploy global products quickly into new markets.
3. Optimize capital efficiency
Experian is committed to maintaining a prudent, flexible and efficient balance sheet. We aim to use our strong cash flow to reinvest in the business to retain competitive advantage and to make targeted acquisitions that fit our strategy and meet our financial hurdles. As credit ratios improve, we will evaluate additional opportunities for returning surplus cash to shareholders via dividends or share repurchases.