Verisk Analytics, Inc. (VRSK) 10-Year Financial Performance & Capital Metrics

VRSK • • Industrial / General

IndustrialsConsulting ServicesData & Analytics ServicesInsurance & Specialized Analytics

AboutVerisk Analytics, Inc. provides data analytics solutions in the United States and internationally. The company provides predictive analytics and decision support solutions to customers in rating, underwriting, claims, catastrophe and weather risk, global risk analytics, natural resources intelligence, economic forecasting, commercial banking and finance, and various other fields. It operates in three segments: Insurance, Energy and Specialized Markets, and Financial Services. The Insurance segment focuses on the prediction of loss, selection and pricing of risk, and compliance with their reporting requirements for property and casualty customers, as well as develops machine learned and artificially intelligent models to forecast scenarios and produce standard and customized analytics that help its customers to manage their businesses, including detecting fraud before and after a loss event, and quantifying losses. The Energy and Specialized Markets segment provides data analytics for the natural resources value chain, including energy, chemicals, metals, mining, power, and renewables sectors; research and consulting services focusing on supporting customer capital allocation decisions, asset valuation and benchmarking, commodity markets, and corporate analysis; and consultancy services in the areas of business environment, business improvement, business strategies, commercial advisory, and transaction support, as well as analysis and advice on assets, companies, governments, and markets. The Financial Services segment offers benchmarking, decisioning algorithms, business intelligence, and customized analytic services to financial institutions, payment networks and processors, alternative lenders, regulators, and merchants. The company was founded in 1971 and is headquartered in Jersey City, New Jersey.Show more

Revenue $2.88B +7.5%
EBITDA $1.56B +10.4%
Net Income $958M +55.8%
EPS (Diluted) 6.71 +60.9%
Gross Margin 68.73% +2.1%
EBITDA Margin 54.13% +2.7%
Operating Margin 43.51% +3.1%
Net Margin 33.23% +45.0%
ROE 448.27% +662.4%
ROIC 30.46% +56.6%
Debt/Equity 30.91 +221.8%
Interest Coverage 10.06 +2.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 182.8%
✓Strong 5Y profit CAGR of 16.3%
✓Strong Piotroski F-Score: 7/9
✓FCF machine: 31.9% free cash flow margin
✓Share count reduced 3.1% through buybacks
✓Healthy 5Y average net margin of 30.6%

✗Weaknesses

✗High debt to equity ratio of 30.9x
✗Trading more than 30% below 52-week high
✗Expensive at 302.1x book value

Price & Volume

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Growth Metrics

Revenue CAGR

10Y7.25%

5Y2.02%

3Y5.38%

TTM7.3%

Profit (Net Income) CAGR

10Y9.12%

5Y16.31%

3Y12.85%

TTM0.02%

EPS CAGR

10Y10.97%

5Y19.97%

3Y18.04%

TTM25.91%

ROCE

10Y Avg21.7%

5Y Avg24.66%

3Y Avg30.63%

Latest37.88%

Peer Comparison

Insurance & Specialized Analytics

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
VRSKVerisk Analytics, Inc.	30.95B	222.05	33.09	7.47%	30.41%	244.08%	2.97%	30.91

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	1.76B	2B	2.15B	2.4B	2.61B	2.27B	2.46B	2.5B	2.68B	2.88B
Revenue Growth %	0.23%	0.13%	0.08%	0.12%	0.09%	-0.13%	0.09%	0.01%	0.07%	0.07%
Cost of Goods Sold+	612M	714.4M	783.8M	886.2M	976.8M	791.7M	853.7M	824.6M	876.5M	901.1M
COGS % of Revenue	0.35%	0.36%	0.37%	0.37%	0.37%	0.35%	0.35%	0.33%	0.33%	0.31%
Gross Profit+	1.15B	1.28B	1.36B	1.51B	1.63B	1.48B	1.61B	1.67B	1.8B	1.98B
Gross Margin %	0.65%	0.64%	0.63%	0.63%	0.63%	0.65%	0.65%	0.67%	0.67%	0.69%
Gross Profit Growth %	0.26%	0.12%	0.06%	0.11%	0.08%	-0.09%	0.09%	0.04%	0.08%	0.1%
Operating Expenses+	445.3M	513.2M	560.2M	674.8M	933.4M	521.4M	697.4M	265.9M	673.2M	726.7M
OpEx % of Revenue	0.25%	0.26%	0.26%	0.28%	0.36%	0.23%	0.28%	0.11%	0.25%	0.25%
Selling, General & Admin	278.3M	301.6M	322.8M	378.7M	603.5M	308.2M	313.2M	381.5M	391.8M	408.7M
SG&A % of Revenue	0.16%	0.15%	0.15%	0.16%	0.23%	0.14%	0.13%	0.15%	0.15%	0.14%
Research & Development	0	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	167M	211.6M	237.4M	296.1M	329.9M	213.2M	384.2M	-115.6M	281.4M	318M
Operating Income+	703.4M	767.6M	801.2M	834.1M	696.9M	956.3M	911.4M	1.41B	1.13B	1.25B
Operating Margin %	0.4%	0.38%	0.37%	0.35%	0.27%	0.42%	0.37%	0.56%	0.42%	0.44%
Operating Income Growth %	0.11%	0.09%	0.04%	0.04%	-0.16%	0.37%	-0.05%	0.54%	-0.2%	0.11%
EBITDA+	918.8M	992.2M	1.04B	1.13B	1.02B	1.31B	1.29B	1.75B	1.41B	1.56B
EBITDA Margin %	0.52%	0.5%	0.48%	0.47%	0.39%	0.58%	0.53%	0.7%	0.53%	0.54%
EBITDA Growth %	0.18%	0.08%	0.05%	0.09%	-0.1%	0.29%	-0.01%	0.35%	-0.19%	0.1%
D&A (Non-Cash Add-back)	215.4M	224.6M	237.4M	296.1M	323.7M	358.1M	383.6M	340M	281.4M	305.9M
EBIT	805.5M	773.7M	810.4M	849.4M	695.2M	956.7M	913.5M	1.4B	1.14B	1.35B
Net Interest Income+	-121.4M	-120M	-119.4M	-129.7M	-126.8M	-138.3M	-127M	-138.8M	-115.5M	-124.6M
Interest Income	0	0	0	0	0	0	0	0	0	0
Interest Expense	121.32M	120M	119.4M	129.7M	126.8M	138.3M	127M	138.8M	115.5M	124.6M
Other Income/Expense	-19.3M	-113.9M	-110.2M	-114.4M	-128.5M	-137.9M	-124.9M	-144.1M	-104.5M	-25.3M
Pretax Income+	684.1M	653.7M	691M	719.7M	568.4M	818.4M	786.5M	1.26B	1.03B	1.23B
Pretax Margin %	0.39%	0.33%	0.32%	0.3%	0.22%	0.36%	0.32%	0.51%	0.38%	0.43%
Income Tax+	196.6M	202.2M	135.9M	121M	118.5M	164.6M	179.4M	220.3M	258.8M	277.9M
Effective Tax Rate %	0.74%	0.9%	0.8%	0.83%	0.79%	0.87%	0.85%	0.76%	0.6%	0.78%
Net Income+	507.6M	591.2M	555.1M	598.7M	449.9M	712.7M	666.3M	954.3M	614.4M	957.5M
Net Margin %	0.29%	0.3%	0.26%	0.25%	0.17%	0.31%	0.27%	0.38%	0.23%	0.33%
Net Income Growth %	0.27%	0.16%	-0.06%	0.08%	-0.25%	0.58%	-0.07%	0.43%	-0.36%	0.56%
Net Income (Continuing)	487.5M	451.5M	555.1M	598.7M	449.9M	653.8M	607.1M	1.04B	768.4M	950.7M
Discontinued Operations	33.4M	253M	0	0	0	58.9M	59.2M	-87.8M	-154M	6.8M
Minority Interest	0	0	0	0	0	0	26M	18.4M	12.2M	4.9M
EPS (Diluted)+	3.01	3.45	3.29	3.56	2.70	4.31	4.08	6.00	4.17	6.71
EPS Growth %	0.27%	0.15%	-0.05%	0.08%	-0.24%	0.6%	-0.05%	0.47%	-0.3%	0.61%
EPS (Basic)	3.07	3.51	3.36	3.63	2.75	4.38	4.12	6.04	4.19	6.74
Diluted Shares Outstanding	168.45M	171.17M	168.69M	168.3M	166.56M	165.32M	163.34M	158.93M	147.34M	142.84M
Basic Shares Outstanding	165.09M	168.25M	165.17M	164.81M	163.54M	162.61M	161.84M	157.91M	146.62M	142.16M
Dividend Payout Ratio	-	-	-	-	0.36%	0.25%	0.28%	0.2%	0.32%	0.23%

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	604.57M	500.9M	597.6M	644.5M	744.9M	794.2M	907.4M	925.1M	810.1M	911.6M
Cash & Short-Term Investments	141.92M	138.5M	146.1M	139.5M	184.6M	218.8M	111.9M	112.5M	302.7M	291.2M
Cash Only	138.35M	135.1M	142.3M	139.5M	184.6M	218.8M	111.9M	112.5M	302.7M	291.2M
Short-Term Investments	3.6M	3.4M	3.8M	0	0	0	0	0	0	0
Accounts Receivable	299.6M	313.2M	374.3M	390.4M	467.5M	457.8M	341.3M	334.3M	357.7M	517.7M
Days Sales Outstanding	62.11	57.3	63.69	59.49	65.45	73.63	50.59	48.87	48.69	65.57
Inventory	0	0	0	0	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-	-
Other Current Assets	129M	20.3M	42.9M	50.7M	31.9M	36.4M	366.4M	394.6M	65.2M	29.9M
Total Non-Current Assets+	5.01B	4.13B	5.42B	5.26B	6.31B	6.77B	6.9B	6.04B	3.56B	3.35B
Property, Plant & Equipment	350.3M	380.3M	478.3M	555.9M	766.7M	899.9M	755.4M	723.5M	796.6M	761.9M
Fixed Asset Turnover	5.03x	5.25x	4.49x	4.31x	3.40x	2.52x	3.26x	3.45x	3.37x	3.78x
Goodwill	2.75B	2.58B	3.37B	3.36B	3.86B	4.11B	2.05B	1.68B	1.76B	1.73B
Intangible Assets	1.25B	1.01B	1.35B	1.23B	1.4B	1.38B	482.3M	504.8M	471.7M	392.4M
Long-Term Investments	0	0	0	0	0	192.6M	216.2M	229.8M	231.4M	222.2M
Other Non-Current Assets	640.7M	145.5M	214.5M	99.5M	270.6M	173.1M	3.4B	2.87B	264.7M	215.7M
Total Assets+	5.62B	4.63B	6.02B	5.9B	7.06B	7.56B	7.81B	6.96B	4.37B	4.26B
Asset Turnover	0.31x	0.43x	0.36x	0.41x	0.37x	0.30x	0.32x	0.36x	0.61x	0.68x
Asset Growth %	1.39%	-0.18%	0.3%	-0.02%	0.2%	0.07%	0.03%	-0.11%	-0.37%	-0.02%
Total Current Liabilities+	1.48B	621.6M	1.34B	1.32B	1.49B	1.43B	1.85B	2.32B	771.4M	1.24B
Accounts Payable	93.3M	74.3M	68.9M	74.7M	80M	99.3M	92.2M	128.7M	158.4M	85.5M
Days Payables Outstanding	55.64	37.96	32.09	30.77	29.89	45.78	39.42	56.97	65.96	34.63
Short-Term Debt	870M	100M	715M	665M	495M	499.9M	959.6M	1.39B	0	499.7M
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Liabilities	41.5M	0	0	12.6M	129.9M	0	232.1M	282.3M	0	0
Current Ratio	0.41x	0.81x	0.45x	0.49x	0.50x	0.56x	0.49x	0.40x	1.05x	0.74x
Quick Ratio	0.41x	0.81x	0.45x	0.49x	0.50x	0.56x	0.49x	0.40x	1.05x	0.74x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	2.76B	2.68B	2.76B	2.51B	3.3B	3.43B	3.12B	2.87B	3.27B	2.92B
Long-Term Debt	2.27B	2.27B	2.28B	2.03B	2.65B	2.69B	2.34B	2.34B	2.83B	2.52B
Capital Lease Obligations	2.3M	7.1M	7.6M	19.5M	211.4M	281.9M	232.9M	191.2M	215.6M	185.6M
Deferred Tax Liabilities	396.43M	322.2M	337.8M	350.6M	356M	396.9M	290.3M	145.6M	210.1M	191.6M
Other Non-Current Liabilities	142.3M	74.8M	135.1M	104M	86.9M	64.7M	253.2M	195.5M	14.6M	23.6M
Total Liabilities	4.24B	3.3B	4.09B	3.83B	4.79B	4.86B	4.97B	5.19B	4.04B	4.16B
Total Debt+	3.15B	2.39B	3.01B	2.72B	3.4B	3.52B	3.58B	3.96B	3.1B	3.25B
Net Debt	3.01B	2.25B	2.87B	2.58B	3.22B	3.31B	3.47B	3.84B	2.79B	2.95B
Debt / Equity	2.29x	1.79x	1.56x	1.32x	1.50x	1.31x	1.26x	2.24x	9.61x	30.91x
Debt / EBITDA	3.42x	2.41x	2.90x	2.41x	3.33x	2.68x	2.76x	2.26x	2.19x	2.08x
Net Debt / EBITDA	3.27x	2.27x	2.76x	2.29x	3.15x	2.51x	2.68x	2.20x	1.98x	1.89x
Interest Coverage	5.80x	6.40x	6.71x	6.43x	5.50x	6.91x	7.18x	10.13x	9.80x	10.06x
Total Equity+	1.37B	1.33B	1.93B	2.07B	2.26B	2.7B	2.84B	1.77B	322.2M	105M
Equity Growth %	5.5%	-0.03%	0.45%	0.08%	0.09%	0.19%	0.05%	-0.38%	-0.82%	-0.67%
Book Value per Share	8.14	7.78	11.41	12.30	13.57	16.32	17.40	11.12	2.19	0.74
Total Shareholders' Equity	1.37B	1.33B	1.93B	2.07B	2.26B	2.7B	2.82B	1.75B	310M	100.1M
Common Stock	137K	100K	100K	100K	100K	100K	100K	100K	100K	100K
Retained Earnings	2.16B	2.75B	3.31B	3.94B	4.23B	4.76B	5.24B	6B	6.42B	7.15B
Treasury Stock	-2.57B	-2.89B	-3.15B	-3.56B	-3.85B	-4.18B	-4.64B	-6.24B	-9.04B	-10.06B
Accumulated OCI	-242.05M	-650.8M	-412.3M	-591.9M	-486.9M	-375.7M	-394.6M	-731.2M	58.2M	15M
Minority Interest	0	0	0	0	0	0	26M	18.4M	12.2M	4.9M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	663.8M	577.5M	743.5M	934.4M	956.3M	1.07B	1.16B	1.06B	1.06B	1.14B
Operating CF Margin %	0.38%	0.29%	0.35%	0.39%	0.37%	0.47%	0.47%	0.42%	0.4%	0.4%
Operating CF Growth %	0.36%	-0.13%	0.29%	0.26%	0.02%	0.12%	0.08%	-0.08%	0%	0.08%
Net Income	507.6M	591.2M	555.1M	598.7M	449.9M	712.7M	666.3M	954.3M	614.4M	957.5M
Depreciation & Amortization	215.4M	224.6M	237.4M	296.1M	323.7M	358.1M	383.6M	340M	281.4M	305.9M
Stock-Based Compensation	44.6M	44.5M	31.8M	38.5M	42.7M	47.6M	55.7M	56.5M	54M	47.9M
Deferred Taxes	-4.1M	14.8M	-73.6M	18.3M	-29.3M	31.1M	49.8M	-261M	52.7M	-20.7M
Other Non-Cash Items	-85.5M	-258.5M	6.3M	-2.1M	16.7M	-3.9M	153.5M	-7.3M	131.6M	-63.4M
Working Capital Changes	-14.2M	-39.1M	-13.5M	-15.1M	152.6M	-77.4M	-153.2M	-23.5M	-73.4M	-83.2M
Change in Receivables	-14.6M	-5.7M	-45.5M	-17.4M	-70.3M	1.8M	-29.7M	-57.7M	-83M	-116.6M
Change in Inventory	0	0	0	0	0	0	0	0	0	0
Change in Payables	0	0	0	58.1M	150.9M	24.3M	0	0	0	0
Cash from Investing+	-3.01B	493.2M	-1.11B	-265.4M	-927.9M	-595.8M	-592M	301.4M	2.75B	-124.8M
Capital Expenditures	-166.1M	-156.5M	-183.5M	-231M	-216.8M	-246.8M	-268.4M	-274.7M	-230M	-223.9M
CapEx % of Revenue	0.09%	0.08%	0.09%	0.1%	0.08%	0.11%	0.11%	0.11%	0.09%	0.08%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	400K	9M	-6.8M	-2.7M	-7.4M	93.3M	-9M	-2.3M	-4.4M	3.8M
Cash from Financing+	2.44B	-1.06B	362.5M	-669.8M	10.9M	-445.2M	-498.9M	-1.33B	-3.79B	-1.03B
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	0	0	0	0	-163.5M	-175.8M	-188.2M	-195.2M	-196.8M	-221.3M
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	-32.3M	-8.5M	-11.2M	-18.5M	110.2M	-58.4M	626.1M	-35M	-37M	-75.8M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	497.7M	421M	560M	703.4M	739.5M	821.4M	887.3M	784.3M	830.7M	920.1M
FCF Margin %	0.28%	0.21%	0.26%	0.29%	0.28%	0.36%	0.36%	0.31%	0.31%	0.32%
FCF Growth %	0.45%	-0.15%	0.33%	0.26%	0.05%	0.11%	0.08%	-0.12%	0.06%	0.11%
FCF per Share	2.95	2.46	3.32	4.18	4.44	4.97	5.43	4.93	5.64	6.44
FCF Conversion (FCF/Net Income)	1.31x	0.98x	1.34x	1.56x	2.13x	1.50x	1.73x	1.11x	1.73x	1.19x
Interest Paid	106.1M	116.6M	113.9M	125.2M	119.9M	134.3M	129M	134.3M	111.2M	131.6M
Taxes Paid	158.5M	289.2M	186.3M	103.2M	139.8M	156.5M	175M	324.5M	276M	287.7M

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	64.13%	43.72%	34.08%	29.97%	20.77%	28.74%	24.05%	41.4%	58.8%	448.27%
Return on Invested Capital (ROIC)	17.62%	14.46%	14.35%	13.24%	10.32%	12.5%	11.1%	17.7%	19.45%	30.46%
Gross Margin	65.24%	64.19%	63.46%	63%	62.53%	65.11%	65.33%	66.98%	67.31%	68.73%
Net Margin	28.83%	29.63%	25.88%	25%	17.26%	31.4%	27.06%	38.22%	22.91%	33.23%
Debt / Equity	2.29x	1.79x	1.56x	1.32x	1.50x	1.31x	1.26x	2.24x	9.61x	30.91x
Interest Coverage	5.80x	6.40x	6.71x	6.43x	5.50x	6.91x	7.18x	10.13x	9.80x	10.06x
FCF Conversion	1.31x	0.98x	1.34x	1.56x	2.13x	1.50x	1.73x	1.11x	1.73x	1.19x
Revenue Growth	23.03%	13.32%	7.52%	11.65%	8.85%	-12.95%	8.51%	1.4%	7.38%	7.47%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Insurance	-	-	-	1.71B	1.86B	1.99B	2.21B	2.44B	2.68B	2.88B
Insurance Growth	-	-	-	-	8.77%	7.05%	11.11%	10.43%	10.03%	7.47%
Financial Services	-	-	-	175.9M	178M	156.7M	142.8M	37.6M	-	-
Financial Services Growth	-	-	-	-	1.19%	-11.97%	-8.87%	-73.67%	-	-
Energy and Specialized Markets	-	-	-	513.3M	573.6M	641.6M	648.9M	22.4M	-	-
Energy and Specialized Markets Growth	-	-	-	-	11.75%	11.85%	1.14%	-96.55%	-	-
Decision Analytics	1.38B	1.27B	1.37B	-	-	-	-	-	-	-
Decision Analytics Growth	-	-7.89%	8.18%	-	-	-	-	-	-	-
Risk Assessment	688.19M	724.3M	770.3M	-	-	-	-	-	-	-
Risk Assessment Growth	-	5.25%	6.35%	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
UNITED STATES	-	-	-	1.85B	2.01B	2.13B	2.29B	2.12B	2.24B	2.39B
UNITED STATES Growth	-	-	-	-	8.45%	6.38%	7.12%	-7.24%	5.58%	6.60%
Other Countries	-	-	-	397.5M	424.2M	469.4M	508.7M	207.4M	253M	281.2M
Other Countries Growth	-	-	-	-	6.72%	10.66%	8.37%	-59.23%	21.99%	11.15%
UNITED KINGDOM	-	-	-	148.2M	177.3M	181.6M	204.4M	169.5M	190.1M	214.4M
UNITED KINGDOM Growth	-	-	-	-	19.64%	2.43%	12.56%	-17.07%	12.15%	12.78%

Frequently Asked Questions

Valuation & Price

Verisk Analytics, Inc. (VRSK) has a price-to-earnings (P/E) ratio of 33.1x. This suggests investors expect higher future growth.

Growth & Financials

Verisk Analytics, Inc. (VRSK) reported $3.03B in revenue for fiscal year 2024. This represents a 154% increase from $1.19B in 2011.

Verisk Analytics, Inc. (VRSK) grew revenue by 7.5% over the past year. This is steady growth.

Yes, Verisk Analytics, Inc. (VRSK) is profitable, generating $921.4M in net income for fiscal year 2024 (33.2% net margin).

Dividend & Returns

Yes, Verisk Analytics, Inc. (VRSK) pays a dividend with a yield of 0.70%. This makes it attractive for income-focused investors.

Verisk Analytics, Inc. (VRSK) has a return on equity (ROE) of 448.3%. This is excellent, indicating efficient use of shareholder capital.

Verisk Analytics, Inc. (VRSK) generated $1.12B in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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