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About Experian

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About Experian

  1. 1. Learn more about Experianand what I do for a living…June 2012©2012 Experian Limited. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other products and company names mentioned may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without prior written permission of Experian Limited. Experian Public.
  2. 2. Our businessAn overview of Experian’s globalbusiness©2012 Experian Limited. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other products and company names mentioned may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without prior written permission of Experian Limited. Experian Public.
  3. 3. Our business Snapshot of Experian  Revenue: US$4.5 bn  EBIT: US$1.2 bn  Market Cap*: £9.0 bn  In top 50 of FTSE-100  Employees: c. 17,000  Offices in 44 countries  Largest markets: US, Brazil, UK  Corporate headquarters: Dublin Leading global information services company, providing data and analytical tools to clients around the world For the year ending 31 March 2012©2012 Experian Limited. All rights reserved. * At 10 May 2012 3 Experian Public.
  4. 4. Share price performance Experian vs. FTSE 100 and competitors 1,100 1,000 Share Price - pence (rebased to Experian) 900 +62% 800 700 600 +9% 500 -11% 400 300 200 Oct-06 Oct-07 Oct-08 Oct-09 Oct-10 Oct-11 Experian FTSE-100 Average competitors¹Source: BloombergFrom demerger to 31 May 20121 Average of Equifax, FICO and Dun & Bradstreet share prices rebased to Experian©2012 Experian Limited. All rights reserved. Experian Public. 4
  5. 5. Ranking by market capitalisation Where do we rank in the FTSE 100? Ranking Company 35 Antofagasta 36 WPP 37 Associated British Foods 38 Fresnillo 39 Pearson 40 Experian 41 BAE systems 42 CRH 43 Aviva 44 ARM Holdings 45 Old Mutual Source: BAML, 30 May 2012©2012 Experian Limited. All rights reserved. Experian Public. 5
  6. 6. Our business Market leader with unparalleled global reach and range 4,500 4,4851 53% 4,000 3,500 Other regions Global revenue US$m North America 3,000 2,500 2,000 1,9602 1,7592 19% 1,500 29% 23% 1,1301 1,024 2 1,000 14% 21% 6203 500 33% 37% 47% 55% 81% 80% 71% 77%* 86%* 86%* 79%* 63%* 67%* 0 Experian Equifax D&B Acxiom TransUnion FICO More than double the size of nearest competitor, broader range1 Year ended 31 March 2012 3 Year ended 30 September 2011 *US only.2 Year ended 31 December 2011 Source: Latest full year revenue, company SEC filings©2012 Experian Limited. All rights reserved. Experian Public. 6
  7. 7. Our business How our global revenue splits By region By business line EMEA/Asia Pacific 14% Consumer Services 21% UK & Ireland North America Credit Services 18% 47% 47% Marketing Services 21% Latin America 21% Decision Analytics 11% By customer segment Financial services 32% Direct to Diverse portfolio by consumer 21% Other geography, business 14% Retail 14% line and customer 3% segment Media 2% 4% 5% 5%Public Sector Insurance/Education Telecoms Automotive /Utilities ©2012 Experian Limited. All rights reserved. Experian Public. 7
  8. 8. Our business Seven year performance trend 4,485 Revenue US$m Financial 3,859 EBIT US$m 3,790 3,803 objectives: 3,712 3,407 • Mid-high single digit organic 2,930 revenue growth • Maintain or improve margin 616 747 848 896 932 991 1,175 • Convert at least 90% of EBIT into FY06 FY07 FY08 FY09 FY10 FY11 FY12 operating cash Organic 12% 8% 4% 3% 2% 8% 10% revenue growth EBIT margin 21.0% (direct business) 21.9% 22.8% 23.6% 24.5% 25.7% 26.2% Operating cash conversion 102% 100% 99% 101% 100% 98% 96%Global continuing revenue and EBIT only. EBIT margin excluding FARES. Operating cash conversion adjusted to exclude FARES.FY06 to FY10 EBIT adjusted to exclude FARES (discontinued operation). FY06 and FY07 revenue and EBIT adjusted to exclude MetaReward. FY07 andFY08 revenue and EBIT adjusted to exclude Loyalty Solutions. FY08 and FY09 revenue and EBIT adjusted to exclude French Transaction Processingbusiness and other smaller discontinuing activities. FY10 and FY11 revenue and EBIT adjusted to exclude small discontinuing activities. FY11 and FY12revenue, EBIT and operating cash conversion adjusted to exclude the comparison shopping and lead generation businesses that are held for sale.Revenue and EBIT growth shown at constant FX rates. Benchmark PBT growth shown at actual FX rates.* At constant exchange rates.©2012 Experian Limited. All rights reserved. Experian Public. 8
  9. 9. Our business Global reach Experian operates in over 40 countries and sells to clients in many countries around the world  Argentina  Colombia  Ireland  Norway  Sweden  Australia  Costa Rica  Italy  Peru  Taiwan  Austria  Czech Republic  Japan  Poland  Thailand  Belgium  Denmark  Malaysia  Portugal  Turkey  Brazil  Estonia  Mexico  Russia  United Arab  Bulgaria  France  Monaco  Singapore Emirates  Canada  Germany  Morocco  South Africa  United Kingdom  Chile  Greece  Netherlands  South Korea  United States  China  India  New Zealand  Spain  Venezuela©2012 Experian Limited. All rights reserved. Experian Public. 9
  10. 10. Our business Services by country©2012 Experian Limited. All rights reserved. Experian Public. 10
  11. 11. Our business Credit Services Provides information to organisations to help them lend profitably to their customers Our expertise We build and manage large databases of credit applications and payment histories of consumers and businesses We help clients manage risk associated with lending money, e.g., who What do we do? to lend to, set appropriate lending limits and take action on overdue accounts Credit reports can include identity information, past and present credit What’s in the data? obligations, court judgments, suspected fraudulent applications and previous addresses Who are our clients? Typically, banks, mortgage providers, credit card providers, automotive, telecommunications, utilities, insurance and utilities Other activities We also operate specialist databases for the automotive sector Main competitors Consumer: Equifax, TransUnion, local credit bureaus Business: Dun & Bradstreet©2012 Experian Limited. All rights reserved. Experian Public. 11
  12. 12. Our business Decision Analytics Unlocks the value of credit data so that businesses can make quick and accurate decisions Our expertise We provide software, analytical tools such as scores and expert consulting to turn credit data into actionable decisions We help customers at all stages of the lending cycle What do we do? For example: identifying and authenticating new customers; segmenting existing customers; managing loan portfolios and optimising collections Typically, financial institutions, telecommunications, utilities and public Who are our clients? sector. Many are multinational and standardise their operations around the world on our platforms Other activities We also help organisations to protect themselves through the detection and prevention of fraud Main competitors Fair Isaac (FICO), SAS, and smaller local players©2012 Experian Limited. All rights reserved. Experian Public. 12
  13. 13. Our business Marketing Services Helps organisations target & engage customers using sophisticated marketing strategies We help clients to understand their customers, communicate with Our expertise them on an individual level and measure the success of marketing initiatives What do we do? We own unique data on consumer attributes, such as demographic Data and data management information, contact data and online data, providing a rich source of marketing information for our clients We help clients to plan and execute their digital marketing What do we do? campaigns, develop their messaging, target advertising to consumers Digital Services according to their preferences, and measure our clients return on marketing spend Who are our clients? Financial services, retailers, media, automotive and the public sector Main competitors Traditional providers such as Acxiom and ADS-Epsilon, agencies such as WPP and Omnicom, and online publishers©2012 Experian Limited. All rights reserved. Experian Public. 13
  14. 14. Our business Consumer Services Helps consumers to monitor their credit reports online Our expertise We provide credit monitoring, credit scores and identity protection services to consumers via the Internet. What do we do? We provide consumers with access to their complete credit history in For consumers return for a monthly subscription fee. We also provide identity protection services What do we do? We partner with businesses to help them provide their customers with For businesses credit monitoring and identity protection Main competitors In the US - Equifax, TransUnion and Fair Isaac In the UK - Equifax and smaller niche players©2012 Experian Limited. All rights reserved. Experian Public. 14
  15. 15. Our strategyGrowth through global strength©2012 Experian Limited. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other products and company names mentioned may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without prior written permission of Experian Limited. Experian Public.
  16. 16. Our strategy Our five global strategic objectives Extend our global lead in credit information and analytics 1 Build successful businesses in new customer segments 2 Build large-scale operations in major emerging consumer economies 3 Become global leader in digital marketing services 4 Become the most trusted consumer brand for credit information and identity protection services 5©2012 Experian Limited. All rights reserved. Experian Public. 16
  17. 17. Our strategy Global growth programme update Product innovation Expanding New customer geographically segments • North America • Credit bureaux: • SME business information products • Colombia • Healthcare payments • Next-generation bureau • India • Insurance • Australia • New Decision Analytics • Public sector platform • Positive data • Telecommunications • New Marketing • Marketing Services Services platforms product roll-out • Utilities • Consumer protection • Consumer Services products roll-out Global growth programme contributed c.4% to organic revenue growth in FY12©2012 Experian Limited. All rights reserved. Experian Public. 17
  18. 18. Our strategy Delivering against our strategic metrics Year to 31 March 2010 20111 20121 Expanding geographically 27% 32% 35% % of revenue from outside US & UK New customer segments % of revenue from outside 64% 66% 68% Financial Services Innovation >10% >10% >10% New products as % of global revenue21 Excludes comparison shopping and lead generation businesses in North America and UK and Ireland (now classified as discontinued operations)2 % of global revenue from products developed within past five years©2012 Experian Limited. All rights reserved. Experian Public. 18
  19. 19. Our strategy Summary Delivering premium growth - now and into the future©2012 Experian Limited. All rights reserved. Experian Public. 19
  20. 20. ©2012 Experian Limited. All rights reserved. Experian Public. 20

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