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Here to Help You Create a Better Tomorrow Experian Annual Report 2020 Experian Annual Report Here to help you create a better tomorrow Experian Annual Report 2020 Year ended 31 March 2020 Our purpose is to create a better tomorrow for consumers, for businesses, for our people and for our communities. We power opportunities by turning data into information, and by deploying advanced technologies and analytics. This helps people and businesses to take control of their financial well-being and to seize new opportunities. Contents Strategic report Governance Company financial statements 02 Experian at a glance 74 Chairman’s introduction 195 Company financial statements 04 Chairman’s statement 76 Board of directors 197 Notes to the Company financial statements 06 Chief Executive’s review 78 Corporate governance report 10 COVID-19 response 88 Nomination and Corporate Governance 209 Shareholder and corporate information 12 Investment case Committee report 211 Glossary 14 Key performance indicators 93 Audit Committee report 16 Market trends 100 Report on directors’ remuneration 18 Understanding our business model 124 Directors’ report 24 Our strategy To download this Annual Report and our other corporate literature 36 Our people and sustainable business Financial statements visit www.experianplc.com 49 Non-financial information and 127 Financial statements contents s172(1) statement 128 Independent auditor’s report 50 North America Roundings Group financial statements Certain financial data has been rounded in this report. As a 51 Latin America 133 Group income statement result, the totals of data presented may vary slightly from the 52 UK and Ireland 134 Group statement of comprehensive income actual arithmetic totals of the data. 53 EMEA/Asia Pacific 135 Group balance sheet 54 Financial review Exchange rates 136 Group statement of changes in total equity Principal exchange rates used are given in note 11 to the Group 63 Risk management 137 Group cash flow statement financial statements. The average pound sterling to US dollar 71 Viability assessment 138 Notes to the Group financial statements rate is 1.27 (2019: 1.31). Experian plc Annual Report 2020 1 A good year in context reportStrategic Welcome to Experian’s 2020 Annual Report. In this report you will read how we create financial and social value for people, businesses and communities, as well as long-term, sustainable value for our shareholders. We discuss our financial performance, our strategy, how we create a culture of inclusion and innovation, and how we play our part to help our clients and consumers create a better tomorrow. The COVID-19 pandemic occurred towards the end of our financial year and while we discuss its implications and our response, our Annual Report focuses on the year ended 31 March 2020. The full implications of the COVID-19 situation are still unknown as this report is published and the financial results in it should be read in this context and alongside the changing global situation. Our thoughts are with all those who have been affected by this crisis. Our priorities are to protect our people and the millions of consumers who are financially affected, while also using our data and analytics to help society recover. Experian has coped well having successfully activated our business continuity plans. While the macroeconomic impacts of the pandemic are difficult to predict, Experian remains financially well positioned with a strong balance sheet and funding liquidity. As well as taking mitigating actions, we are also positioning ourselves to emerge strongly and are continuing to invest in our people as well as in our growth strategy. For the year ended 31 March 2020 we delivered a good year of growth with 8% organic revenue growth and total revenue growth of 9%. We are executing on our strategy to deploy a wide range of innovative platforms and consumer services across the world, and we have made progress on all the key focus areas we set ourselves last year. Financial highlights Growth % at Growth % at Growth % at Growth % at Statutory actual rates constant rates Benchmark actual rates constant rates Revenue Revenue¹ US$5,179m +7% +9% US$5,179m +7% +9% (2019: US$4,861m) (2019: US$4,855m) Operating profit Benchmark EBIT¹ US$1,185m +2% +5% US$1,387m +6% +9% (2019: US$1,162m) (2019: US$1,306m) Profit before tax Benchmark profit before tax US$942m -2% +5% +5% +8% (2019: US$957m) US$1,255m (2019: US$1,198m) Basic EPS Benchmark EPS USc74.8 -3% +6% USc103.0 +5% +8% (2019: USc76.9) (2019: USc98.0) 1 From ongoing activities. See note 7 to the Group financial statements for definitions of non-GAAP measures, and actual and constant currency exchange rates. Experian plc 2 Strategic report Experian at a glance A global technology company We are a global technology company and market leader in data and analytics, playing a key role in making it easier for consumers and businesses to interact. We help people and businesses to take control of their financial well-being and seize opportunities through the innovations we deliver in data, analytics and software. We manage and organise ourselves across four geographic reporting regions and two main business activities. 163m 1.3bn 45 17,800 82m 4 Business credit Consumer credit Countries Employees Free consumer DataLabs history records history records membership base Our regions North America p50 Latin America p51 UK and Ireland p52 EMEA/Asia Pacific p53 E A A F IJ K A H D D G C F E B D C B C B Our people by region¹ Global cost profile Revenue by customer² Number % % % A North America 6,800 38 A Labour 53 A Financial services 39 B Direct-to-consumer 15 B Latin America 3,300 19 B Data 16 C Health 8 C UK and Ireland 3,500 20 C Marketing 10 D Retail 5 D EMEA/Asia Pacific 4,200 23 D IT 8 E Automotive 5 F Software and professional services 5 Total 17,800 E Central Activities 3 G Telecommunications and utilities 4 F Other 10 H Insurance 4 I Media and technology 3 1 Full-time equivalent employees as at 31 March 2020. J Government and public sector 2 2 Revenue from ongoing activities. K Other 10 Experian plc Annual Report 2020 3 See more on page 19 Our business activities reportStrategic Business-to-Business Consumer Services Data Decisioning Revenue1 Revenue1 Revenue1 US$2,854m +10% US$1,238m +1% US$1,087m +10% We help businesses to identify and understand We are experts at creating and developing We help consumers take control of their credit, their customers and to lend responsibly and innovative analytical and decisioning tools. making it easier for them to manage their appropriately, providing them with the We help businesses to manage their financial position, receive financial education, information to help them manage the risks customers, minimise the risk of fraud, access credit offers, and protect themselves associated with lending. We also help them comply with legal requirements and from identity fraud. build a better understanding of consumers’ automate decisions and processes. preferences. Key added value Key added value Key added value Large volumes of disparate data are Assessment of creditworthiness, Empower and support consumers to take aggregated into accurate, timely and suitability and affordability of loans supports control of their credit, improve their financial usable information responsible lending well-being and achieve financial goals Unbiased information helps support Faster, frictionless and better-informed Immediate tangible results through credit impartial credit decisions and broader decisions provide an improved customer score improvement and renegotiation access to credit experience of debts Extensive marketing data relevant to Accessing relevant insights into new and Eligibility for and improved access to credit consumer lifestyles helps businesses existing customers provides more effective offers and other services understand their customers better and serve management and better engagement Better navigation of major financial decisions, them with tailored products with customers such as buying a home Authentication of customer identity helps Improved detection of and resilience to prevention of identity fraud and other crime identity theft and fraud D A A A D C C C B B Revenue¹ by region and business activity (US$m) Total Data Decisioning Business-to-Business Consumer Services US$m % split A North America 1,642 679 2,321 926 3,247 63 B Latin America 618 114 732 n/a 732 14 C UK and Ireland 381 227 608 161 769 15 D EMEA/Asia Pacific 213 218 431 n/a 431 8 Total 2,854 1,238 4,092 1,087 5,179 1 Revenue from ongoing activities. % growths shown are organic revenue growth. Experian plc 4 Strategic report Chairman’s statement Innovative solutions addressing the world’s challenges We started with a people-first agenda, and a recognition that companies like ours must play a role in helping society deal with the fallout from COVID-19. As you will see, our employees across the world took energetic, proactive steps to use our data, analytics, products and intellectual capabilities to help consumers, businesses, government and non-government organisations. Mike Rogers Chairman I am writing this, my first We started with a people-first agenda, and a business segments that need it the most. For statement as your Chairman, at recognition that companies like ours must play US hospitals, medical groups, pharmacies and a role in helping society deal with the fallout specialty healthcare service organisations, our an unprecedented time. While we from COVID-19. As you will see, our employees Healthcare team is providing free payer policy have experienced considerable across the world took energetic, proactive alerts to help reduce their administrative stress shocks before, never have we seen steps to use our data, analytics, products and at this time.
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