Investor Presentaiton
Continuously strong investment grade issuer ratings
Rating
A- / A3
S&P
BBB+
/Baa1
Moody's
2007
2008 2009 2010 2011 2012 2013 2014 2015 2016
2017
2018 2019 2020 2021
30
30
Experian Public
S&P (August 2021) - A-, stable outlook¹
•
•
Positive rating factors include:
"Leading "Big Three" player among global credit reporting agencies."
"Strong geographic and portfolio diversification"
"Solid operating performance, with high and stable margins"
"Exceptional liquidity due to free cash generation and availability under committed
credit facilities."
Moody's (January 2022) - Baa1, stable outlook²
Positive rating factors include:
•
"Market position as the largest consumer credit reporting agency in major markets,
including the US, the UK, and Brazil, with a strong track record of product
innovation"
"Good medium-term growth prospects, driven by the resilient performance of North
America and Latin America, as well as its Consumer Services segment, all of which
are underpinned by increasing digitisation and reliance on data analytics across
most major industries."
"Strong profitability, supported by high barriers to entry"
"Clear financial policy, incorporating management's commitment to maintain a net
leverage ratio of 2.0x-2.5x (as reported by the company)."
Source - publications: 1. S&P Global Ratings, Ratings Direct: Experian Finance plc (27 August 2021).
2. Moody's Investor Service: Credit Opinion: Experian Finance plc (11 January 2022).
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