Bernstein reiterates Underperform rating on Experian stock amid industry challenges

Published 20/10/2025, 11:26
Bernstein reiterates Underperform rating on Experian stock amid industry challenges

Investing.com - Bernstein has maintained its Underperform rating and GBP30.50 price target on Experian Plc. (LSE:EXPN) (OTC:EXPGY), citing concerns about the company’s organic growth prospects. Currently trading at $47.01, InvestingPro data shows Experian trading at high multiples across earnings, EBITDA, and revenue, with a P/E ratio of 36.86.

The research firm highlighted ongoing industry challenges affecting credit bureau companies, specifically pointing to pricing and competition pressures in scoring and data services, alongside increased risk aversion stemming from credit losses. Despite these challenges, Experian maintains strong fundamentals with a 6% revenue growth and an impressive 46-year streak of consistent dividend payments.

Bernstein noted recent isolated incidents that could potentially impact the sector, including credit fraud at Zion and Western Alliance, plus the bankruptcy of First Brands and subprime auto lender Tricolor.

The firm compared the current situation to disruptions following Silicon Valley Bank’s collapse in March 2023, which coincided with Experian’s US bureau organic growth dropping to 2% from 6% in the previous quarter.

Bernstein maintained its unpopular Underperform stance based on projections that Experian’s organic growth will be 3% below consensus estimates for fiscal year 2027, while acknowledging that US lending and delinquency data appears to be improving.

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