# Verisk Analytics, Inc. Common Stock (VRSK) — Stock CV

Verisk Analytics, Inc. is a $23.1B technology company. Revenue grew 5.0% over the last year, it keeps 28¢ of every dollar of sales as profit, and its net debt equals ~2.1 years of free cash flow. It trades at 26.1× earnings — near the lowest of its own history.

> Verisk is a leading data, analytics, and technology provider for property-casualty insurers. Verisk traces its history to Insurance Services Office, a nonprofit advisory organization founded in 1971 by US P&C insurers.

## Identity

- **Ticker**: VRSK
- **Sector**: Technology
- **Industry**: Services-Computer Processing & Data Preparation
- **Headquarters**: JERSEY CITY, NJ
- **Employees**: 8 000
- **Website**: https://www.verisk.com
- **Market cap**: $23.1B
- **Last price**: $177.63
- **Financial profile**: Solid

## Vitals (TTM)

- **Revenue**: $3.14B
- **Net income**: $886M
- **Free cash flow**: $1.24B
- **Net debt**: $2.56B
- **P/E**: 26.1
- **Revenue growth (YoY)**: 5.0%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 69 |
| Growth | 50 |
| Profitability | 100 |
| Health | 60 |
| Quality | 66 |
| Moat | 100 |

## Qualifications (beginner checklist) — 11 of 11 passed

- [x] Revenue growing — +5.0% YoY
- [x] Profitable — $886M TTM
- [x] Profit growing — +2.6% YoY
- [x] Generates cash — $1.24B TTM
- [x] Debt under control — ~2.1y of cash flow to repay
- [x] Established company — $23.1B market cap
- [x] Not printing shares — -15.3% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [x] Financially stable — Altman Z 5.9 — safe
- [x] Pays a dividend — yield 1.11%
- [x] Valuation not extreme — P/E 26.1

## Experience (career milestones)

- **FY2024** — Best year on record: $958M net income
- **2022** — Verisk announced that it had entered into an agreement to acquire Mavera, a Sweden-based insurtech…
- **2021** — Verisk acquired Data Driven Safety, a public record data aggregation firm that specializes in…
- **2020** — Verisk acquired Jornaya, a consumer behavioral data provider, Infutor, an identity resolution and consumer…
- **2017** — Verisk acquired Sequel, an insurance and reinsurance software specialist based in London
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $1B: $2.00B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak
- **2015** — Then in 2015, Verisk acquired Wood Mackenzie, a data analytics and commercial intelligence company for energy,…
- **2014** — Verisk acquired Maplecroft, a provider of global risk analytics and advisory services
- **2012** — Verisk acquired Argus & Advisory Services, a provider of competitive benchmarking, analytics
- **2010** — Verisk acquired 3E Company, a provider of services that help customers comply with government-mandated…
- **Oct 6, 2009** — The company was privately held until an initial public offering on October 6, 2009
- **2009** — Verisk completed its IPO and became a publicly traded company

## Strengths

- High gross margin (70.2%)
- Strongly profitable — 28.2% net margin
- Strong cash conversion — FCF is 39.4% of revenue
- Interest covered 8.4× by operating earnings
- High returns on invested capital (ROIC 31.7%)

## Watch-outs

- None stand out in the data.

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $3.00B | $666M | $887M |
| FY2022 | $2.50B | $954M | $784M |
| FY2023 | $2.68B | $615M | $831M |
| FY2024 | $2.88B | $958M | $920M |
| FY2025 | $3.07B | $908M | $1.19B |

---

Source: https://stockcv.com/VRSK — derived from company filings; may be delayed or incomplete. Information, not investment advice.