Experian challenges FICO in US mortgage market

12 Nov 2025, 07:05EXPN.LSource

Experian PLC reported a 13% rise in first-half revenue to $4.06 billion, driven by strong growth in North America, and raised its full-year forecast.

The credit-reporting company also highlighted its recent strategic move into the U.S. mortgage market with a new product bundle.

Stock price
EXPERIAN
Loading chart...

According to the company, the "Experian Score Choice Bundle" offers lenders the choice between different credit scores, including VantageScore 4.0, in a direct challenge to rival FICO's dominance in the sector.

For the six months ended Sept. 30, statutory profit before tax jumped 36% to $975 million.

Benchmark earnings per share, a key metric for the company, rose 12% to 85.0 U.S. cents, and Experian increased its interim dividend by 10%.

"We delivered strong growth in revenue, earnings and cash flow in H1 as we continued to build momentum in our business," Chief Executive Officer Brian Cassin said.

Experian now expects full-year organic revenue growth of 8%, at the top end of its previous guidance, the company said.

The company's largest market, North America, saw organic revenue grow by 10%, while its business-to-business and consumer services divisions grew 8% and 9% respectively.

More from this issuer

Related coverage

Experian PLC on Tuesday reported higher first-quarter revenue, as strong growth in its largest market, North America, helped offset a slowdown in Latin America.