Logo

VRSK

Verisk Analytics, Inc.

VRSK

Verisk Analytics, Inc. • NASDAQ
$225.07 ▲ 0.53% (+1.18)
Market Cap $31.37 B
52w High $322.92
52w Low $197.00
Dividend Yield 1.74%
P/E 34.63
Volume 550.88K
Outstanding Shares 139.37M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $768.3M ▼ $192.9M ▲ $225.5M ▼ 29.351% ▼ $1.62 ▼ $408.3M ▼
Q2-2025 $772.6M ▲ $188.8M ▼ $253.3M ▲ 32.785% ▲ $1.81 ▲ $445.7M ▲
Q1-2025 $753M ▲ $192.1M ▲ $232.3M ▲ 30.85% ▲ $1.66 ▲ $415.9M ▲
Q4-2024 $735.6M ▲ $188.8M ▼ $210.3M ▼ 28.589% ▼ $1.5 ▼ $386M ▼
Q3-2024 $725.3M $190.4M $220M 30.332% $1.55 $393.8M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $2.108B ▲ $6.242B ▲ $5.864B ▲ $376.7M ▲
Q2-2025 $628.7M ▼ $4.795B ▼ $4.482B ▼ $311.7M ▲
Q1-2025 $1.112B ▲ $5.122B ▲ $4.998B ▲ $123M ▲
Q4-2024 $291.2M ▼ $4.265B ▼ $4.16B ▼ $100.1M ▼
Q3-2024 $458M $4.563B $4.258B $299.6M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $225.5M ▼ $403.5M ▲ $-234.5M ▼ $1.305B ▲ $1.479B ▲ $336.1M ▲
Q2-2025 $253.3M ▲ $244.5M ▼ $-80.6M ▼ $-659M ▼ $-483.4M ▼ $188.7M ▼
Q1-2025 $232.3M ▲ $444.7M ▲ $-57.8M ▼ $433.3M ▲ $820.9M ▲ $391M ▲
Q4-2024 $210.3M ▼ $255.4M ▼ $-48.4M ▲ $-370.3M ▲ $-166.8M ▲ $200M ▼
Q3-2024 $220M $296.2M $-52.6M $-421.3M $-174.1M $240.7M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Insurance
Insurance
 $740.00M ▲$750.00M ▲$770.00M ▲$540.00M ▼

Five-Year Company Overview

Income Statement

Income Statement Verisk shows a steady, healthy climb in revenue over the past five years, with strong profitability throughout. Margins look attractive, meaning a large share of each sales dollar falls to operating profit. Net income and earnings per share have been more up and down, likely reflecting one‑off items, business divestitures, and capital allocation choices rather than core demand issues. Overall, this is a high‑margin, largely recurring‑revenue business that appears to be managing costs well while still investing in growth.

Balance Sheet

Balance Sheet The balance sheet has become lighter and more leveraged over time. Total assets have come down meaningfully, which likely reflects divestitures and a sharper focus on the core insurance analytics franchise. Equity has been reduced to a thin layer, probably due to large buybacks, special payouts, or restructuring, leaving debt as a much larger part of the capital structure. This creates financial efficiency but also raises sensitivity to interest rates and credit markets, so ongoing debt management and refinancing terms are important watch points.

Cash Flow

Cash Flow Cash generation is a clear strength. Operating cash flow has been consistently solid and free cash flow has remained robust even after ongoing investment in software, data, and infrastructure. Capital spending is relatively modest compared with cash generated, which is typical for a scalable, data‑ and software‑driven model. This pattern suggests Verisk has ample internal cash to fund growth initiatives, service debt, and return capital to shareholders, provided business conditions remain stable.

Competitive Edge

Competitive Edge Verisk holds a powerful niche position as a core data and analytics provider to the insurance industry. Its advantage is built on decades of proprietary data, deep integration into insurer workflows, and strong network effects as more clients contribute data. Standard‑setting products like ISO, Xactware, and catastrophe models make Verisk embedded and hard to displace once installed. The main competitive risks come from advances in alternative data sources, regulatory or data‑privacy shifts, and any moves by large insurers to build more in‑house capabilities, but the installed base and switching costs are substantial.

Innovation and R&D

Innovation and R&D Innovation is centered on applying AI and machine learning to very large, unique insurance datasets, rather than on traditional lab‑style R&D. Verisk is pushing deeper into generative AI to automate document comparison, underwriting tasks, and claims workflows, aiming to save clients time and reduce errors. It also continues to enhance catastrophe and emerging‑risk models and is extending its reach through focused acquisitions that plug into the same data ecosystem. Execution risk exists around integrating new tools and acquisitions, but the company is clearly leaning into technology to widen its moat, not just maintain it.

Summary

Verisk looks like a mature, highly profitable data and analytics franchise with steady top‑line growth and strong margins, backed by recurring revenue from deeply embedded insurance clients. The business has deliberately slimmed down and become more focused, but the result is a more leveraged balance sheet that requires disciplined financial management. Cash flow quality is a notable strength and underpins its ability to invest and return capital. Strategically, Verisk’s moat is anchored in proprietary data, industry standards, and integration into customer workflows, with AI and targeted acquisitions used to reinforce that position. Key things to monitor are leverage levels, regulatory and data‑privacy developments, the success of AI product rollouts, and how well new acquisitions are integrated into the broader platform.

NEWS

November 12, 2025 · 9:00 AM UTC

Earnix Integrates Verisk's ISO ERC™ to Accelerate Adoption for Commercial Market Lines

Read more

November 3, 2025 · 6:53 AM UTC

Verisk Estimates Insured Losses for Hurricane Melissa Will Range Between USD 2.2 Billion to USD 4.2 Billion

Read more

October 29, 2025 · 7:15 AM UTC

Verisk Reports Third-Quarter 2025 Financial Results

Read more

October 15, 2025 · 3:15 AM UTC

Verisk Launches New Underwriting Solution to More Quickly Assess Rebuild Valuefor Commercial Properties in the U.K.

Read more

October 14, 2025 · 8:15 AM UTC

Verisk Just Made It Easier for U.S. Insurers to Enter the Growing Pet Insurance Market

Read more