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Experian plc

Strategy

Experian’s principal business lines are characterised 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 capitalise on the opportunities available to us and to drive long-term shareholder value, our strategy is centred 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. Optimise capital efficiency

Experian is committed to maintaining a prudent, flexible and efficient balance sheet. We aim to use our strong cash flow wisely by reinvesting in the business to retain competitive advantage. We will seek to make targeted acquisitions where they fit our strategy and meet our financial hurdles, and we will evaluate additional opportunities for returning surplus cash (via dividends or share repurchases) to shareholders as they arise.

Useful Links

  • "We have learned that IT projects can go fast but it is essential to have focus and a true partnership with the key vendors, as we have had with Experian. You just have to look at the results we have achieved, such as productivity up by 70% and provisioning levels reduced by more than 20%, to see the value that this project has given to ABN AMRO."

    ABN - AMRO

  • "We recognised that we needed a system that was both more effective and efficient than the current system and we wanted a vendor who could offer us a complete Decision Analytics system. Experian delivered exactly what we needed."

    Vodafone