Verisk Analytics, Inc.
- Open
- 181.68
- Day high
- 186.45
- Day low
- 179.61
- Prev close
- 179.53
- Volume
- 781K
- Mkt cap
- $24.3B
- P/E (TTM)
- 28.2
- EPS (TTM)
- $6.58
- P/B
- -20.8
- P/S
- 7.8
- Yield
- 0.54%
- Per share
- $1.00
- ▼Insiders net selling -$3.1M over the last 3 months (0 open-market buys, 7 sales)
- 🏛Institutions mixed (13F)
Verisk Analytics, Inc. (VRSK) is a Industrials company listed on NASDAQ. The stock is down 43% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 7 sales (SEC Form 4).
Verisk Analytics, Inc. (VRSK) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 3 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
VRSK earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 29, 2026 | $1.76 | $1.82 | +3.4% | $783M | +1.4% |
| Feb 18, 2026 | $1.60 | $1.82 | +13.7% | $779M | -2.4% |
| Oct 29, 2025 | $1.70 | $1.72 | +1.2% | $768M | -1.0% |
| Jul 30, 2025 | $1.78 | $1.88 | +5.6% | $773M | +0.5% |
| May 7, 2025 | $1.68 | $1.73 | +3.0% | $753M | +0.4% |
| Feb 26, 2025 | $1.60 | $1.61 | +0.6% | $736M | +0.3% |
| Oct 30, 2024 | $1.60 | $1.67 | +4.4% | $725M | +0.4% |
| Jul 31, 2024 | $1.64 | $1.74 | +6.1% | $717M | -0.8% |
| May 1, 2024 | $1.53 | $1.63 | +6.5% | $704M | +0.7% |
| Feb 21, 2024 | $1.44 | $1.40 | -2.8% | $677M | +0.7% |
| Nov 1, 2023 | $1.47 | $1.52 | +3.4% | $678M | +1.0% |
| Aug 2, 2023 | $1.41 | $1.51 | +7.1% | $675M | +3.1% |
VRSK insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 16, 2026 | Mann Elizabethofficer: Chief Financial Officer | Sell | 400 | $179.54 |
| Jun 8, 2026 | LISS SAMUEL Gdirector | Sell | 4,671 | $182.21 |
| Jun 8, 2026 | LISS SAMUEL Gdirector | Option | 4,671 | $80.93 |
| Jun 4, 2026 | LISS SAMUEL Gdirector | Option | 6,765 | $80.93 |
| Jun 4, 2026 | LISS SAMUEL Gdirector | Sell | 6,765 | $177.63 |
| Jun 1, 2026 | Hansen Bruce Edwarddirector | Option | 2,336 | $80.93 |
| Jun 1, 2026 | Hansen Bruce Edwarddirector | Sell | 2,336 | $174.99 |
| May 26, 2026 | Patiath Pradipdirector | Grant | 1,347 | — |
| May 26, 2026 | Vaughan Therese Mdirector | Grant | 1,347 | — |
| May 26, 2026 | DAILEY JEFFREY Jdirector | Grant | 1,347 | — |
| May 26, 2026 | Hendrick Gregorydirector | Grant | 1,347 | — |
| May 26, 2026 | Hansen Bruce Edwarddirector | Sell | 2,335 | $171.51 |
| May 26, 2026 | PERRY CHRISTOPHER JOHNdirector | Grant | 1,347 | — |
| May 26, 2026 | Hansen Bruce Edwarddirector | Grant | 1,347 | — |
| May 26, 2026 | LISS SAMUEL Gdirector | Grant | 1,347 | — |
Source: VRSK SEC Form 4 filings, latest Jun 16, 2026. For informational purposes only — not investment advice.
See the full VRSK insider & 13F page →Verisk Analytics, Inc. company profile
Overview
Verisk Analytics, Inc. (NASDAQ:VRSK) is a leading data analytics and technology company founded in 1971 and headquartered in Jersey City, New Jersey. The company went public in October 2009 and has evolved from its origins as a statistical agent for property and casualty insurers into a comprehensive provider of predictive analytics and decision support solutions. Today, Verisk serves primarily the insurance industry while also operating in energy, specialized markets, and financial services sectors. The company has undergone significant strategic transformation in recent years, divesting non-core businesses like Wood Mackenzie and 3E to focus exclusively on its insurance-centric operations.
Business
Verisk operates as a data analytics and technology solutions provider that helps organizations assess and manage risk across multiple industries. The company's core business revolves around collecting, processing, and analyzing vast amounts of data to create predictive models and decision-support tools that enable clients to make more informed business decisions. The company operates through three main business segments: 1. Insurance Segment (approximately 85-90% of revenue): This is Verisk's largest and most important division, serving property and casualty insurance companies. The segment provides two primary categories of solutions: Underwriting solutions help insurers assess risk, set appropriate pricing, and select which policies to write through products like ISO forms, rules, and loss costs data, catastrophe modeling, and fraud detection tools. Claims solutions assist insurers in processing and managing insurance claims through property estimating software, auto damage assessment tools, and anti-fraud analytics. The insurance segment generates revenue primarily through subscription-based contracts tied to insurance premium volumes. 2. Energy and Specialized Markets Segment (approximately 8-10% of revenue): This division provides data analytics for natural resources companies including energy, chemicals, metals, mining, power, and renewables sectors. Services include market research, asset valuation, commodity price forecasting, and transaction advisory services. 3. Financial Services Segment (approximately 2-5% of revenue): This smaller segment offers risk assessment and decision-making tools to banks, payment processors, alternative lenders, and merchants, including fraud detection and credit risk analytics. The insurance industry that Verisk primarily serves is built on the fundamental principle of risk assessment and transfer. Insurance companies collect premiums from policyholders and pay out claims when covered losses occur. To remain profitable, insurers must accurately price their policies based on the likelihood and severity of potential claims, which requires sophisticated data analysis and predictive modeling - exactly what Verisk provides.
Revenue model
Verisk generates revenue through multiple business models, with subscription-based contracts representing approximately 82% of total revenue and transactional fees accounting for the remaining 18%. The subscription model provides predictable, recurring revenue streams that are often tied to clients' insurance premium volumes, meaning Verisk's revenue grows as the insurance market expands. In the subscription model, insurance companies pay recurring fees to access Verisk's databases, analytical tools, and software platforms. Many contracts include automatic escalators tied to industry premium growth, providing built-in revenue growth. For example, when an insurer's written premiums increase by 5%, their Verisk subscription fees may automatically increase by a similar percentage. The transactional model generates revenue based on usage volume, such as the number of property damage estimates processed, fraud investigations conducted, or catastrophe model runs performed. This creates more variable revenue that fluctuates with claim volumes, natural disasters, and economic cycles. Several factors influence Verisk's profit margins and growth prospects. Positive margin drivers include the company's high switching costs due to deep integration with clients' systems, economies of scale from serving a concentrated customer base, and pricing power derived from the mission-critical nature of its solutions. The insurance industry's regulatory requirements and the specialized expertise required to develop actuarial models create additional barriers to competition. Margin pressures can arise from significant technology investments required to maintain competitive advantages, the cyclical nature of some revenue streams tied to natural disasters and economic conditions, and potential pricing pressure during soft insurance market cycles when carriers focus on cost reduction. Additionally, the company faces ongoing costs related to data acquisition, regulatory compliance, and the need to continuously innovate in areas like artificial intelligence and cloud computing.
Competitive moat
Verisk possesses a strong economic moat built on several interconnected competitive advantages. The company's primary moat stems from its role as a data aggregator and network effects within the insurance industry. Verisk collects claims and loss data from thousands of insurance companies, creating a comprehensive database that becomes more valuable as more participants contribute information. This creates a virtuous cycle where insurers must participate to access industry benchmarks, while their participation makes the data more valuable for all users. The company benefits from extremely high switching costs due to deep integration with clients' core systems and workflows. Insurance companies rely on Verisk's forms, rules, and rating data for their fundamental underwriting processes, making it operationally difficult and expensive to switch providers. Additionally, many state insurance regulators require the use of standardized forms and data that Verisk provides, creating quasi-regulatory barriers to competition. Verisk's specialized expertise and intellectual property in actuarial science, catastrophe modeling, and insurance analytics represent decades of accumulated knowledge that would be extremely difficult for competitors to replicate. The company's models incorporate proprietary algorithms, extensive historical data, and deep industry relationships that new entrants would struggle to match. However, the moat faces some potential challenges. Technology disruption from artificial intelligence and machine learning could potentially democratize some analytical capabilities, though Verisk is actively investing in these areas. Large technology companies with vast data resources could theoretically enter the market, though the specialized nature of insurance analytics and regulatory requirements provide some protection. Additionally, consolidation among insurance clients could potentially reduce Verisk's negotiating power, though this has not materialized as a significant threat to date.
Risks & safety
Verisk demonstrates a moderate to strong margin of safety with solid financial fundamentals but some valuation concerns. • Financial Strength: The company maintains strong cash generation with $920 million in free cash flow for 2024, though cash balances are relatively modest at $291 million. Debt levels are manageable with a debt-to-equity ratio of 32.4%, indicating reasonable leverage without excessive financial risk. • Valuation Metrics: Current valuation appears stretched with a P/E ratio of 40.9x and EV/EBITDA of 25.4x, suggesting limited margin of safety at current prices. The Graham number of 10.3 indicates the stock trades well above conservative value metrics. • Business Quality: High-quality recurring revenue model with 82% subscription-based revenue provides predictable cash flows. Strong EBITDA margins of 55%+ demonstrate operational efficiency and pricing power. • Growth Trajectory: Consistent organic revenue growth of 6-8% with margin expansion suggests healthy business momentum, though growth rates have moderated from historical levels. • Capital Allocation: Management has returned significant capital to shareholders through buybacks and dividends, though high valuation raises questions about optimal capital deployment.
Recent development
Over the past few years, Verisk has undergone significant strategic transformation and operational improvements. The company completed a major portfolio rationalization by divesting non-core businesses including Wood Mackenzie (energy research), 3E (environmental compliance), and Verisk Financial Services to focus exclusively on insurance-related analytics. This strategic refocusing has allowed management to concentrate resources and investments on their highest-return opportunities. A key strategic initiative has been the Core Lines Reimagine project, which represents a comprehensive modernization of Verisk's foundational forms, rules, and loss costs products. This multi-year program has introduced 13 new modules that provide enhanced analytics, improved user experiences, and deeper integration capabilities for insurance clients. The initiative demonstrates Verisk's commitment to continuous innovation in their core offerings. The company has significantly enhanced its go-to-market approach by realigning sales territories, implementing new compensation plans, and improving coordination across business units. This has resulted in stronger client relationships and improved Net Promoter Scores, rising from 43 to 47. Technology and AI investments have been a major focus, with Verisk exploring generative AI applications across business lines while maintaining emphasis on safe and ethical implementation. The company successfully completed a major mainframe migration to cloud platforms, improving scalability and operational efficiency. Recent product innovations include the launch of Verisk Synergy Studio for catastrophe modeling, Enterprise Exposure Manager for risk assessment, and various anti-fraud solutions. The company has also expanded internationally, particularly in European markets, and made strategic acquisitions like Simplitium to enhance their risk modeling ecosystem. Management has emphasized margin expansion as a key priority, achieving 120 basis points of EBITDA margin improvement in 2024 through operational efficiency initiatives while continuing to invest in growth opportunities.
VRSK company profile · for informational purposes only — not investment advice.
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