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Verisk Analytics VRSK

Verisk Analytics scores good on business quality (6.1 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$177.63Oct 9, 2026
Business qualityGood
Next earningsNov 5, 2026, before the open
Insiders, 90 daysSelling

Why it matters

  1. What Verisk Analytics does

    Verisk Analytics sells data analytics and risk assessment services to insurance companies, helping them underwrite and price property and casualty policies. Insurers pay subscription fees to access proprietary property databases and loss cost models that anchor their core underwriting operations. The company is preparing its third-quarter 2026 results release for November, focusing on expanding its core analytics offerings across global property markets.

  2. What it does best

    Verisk dominates insurance risk data, backed by a gross margin of 70.2% that sits in the top decile of its sector at the 96th percentile. This advantage stems from decades of proprietary loss data and deep integration into insurer workflows, making switching costs nearly absolute. For comparison, peer Equifax posts a gross margin of 55.5%.

  3. The main risk

    A debt-to-equity ratio of 15.3 creates heavy financial vulnerability if operating cash flow falters. With net debt at $2.6 billion and total debt at $4.7 billion, interest and debt servicing consume a massive share of resources, leaving little margin for error during any downturn in insurance underwriting budgets.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityStrong

Operating margin hits 43.4% and free cash flow margin reaches 39.4%, both expanding as the platform scales. Every new data subscriber adds revenue with almost no incremental cost.

MoatStrong

Switching costs anchor an elite moat built on proprietary insurance databases. Operating margin sits at 43.4%, placing it in the top decile of its sector at the 99th percentile.

GrowthSteady

Revenue growth hit 6.6% to reach $3.1B, continuing a steady multi-year climb from $2.5B in 2022 as property and casualty data demand holds firm.

Financial healthWeak

Total debt sits at $4.7B against $2.2B in cash, creating a high debt-to-equity ratio of 15.3. Free cash flow reached $1.2B, but heavy financial obligations keep balance-sheet risk elevated.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

1 sold $395K outside pre-planned sales.

Our sealed record on VRSK

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is VRSK a good business?

Verisk Analytics scores good on the Cluenex quality check (6.1 of 10), measured against its own industry. Profitability is strong, moat strong, growth steady and financial health weak.

Are insiders buying VRSK?

In the last 90 days of SEC Form 4 filings: 1 sold $395K outside pre-planned sales.

When does VRSK report earnings?

Nov 5, 2026, before the open.

For members

See VRSK today

  • Today's verdict on VRSK, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “Verisk Analytics (VRSK)”, https://cluenex.com/stocks/vrsk/, data as of Oct 10, 2026.