Verisk Analytics, Inc. (VRSK) Stock Analysis — Fair Value, Risk & Moat Rating
NMS · Industrials · Consulting Services
Is Verisk Analytics, Inc. a safe investment right now?
Verisk Analytics, Inc.'s Altman Z-Score of 5.58 places it in the safe zone. Our fair value estimate is $162.85 (Fairly Valued). Moat rating: 3.7/5 stars.
Could Verisk Analytics, Inc. go bankrupt? Altman Z-Score analysis
Z-Score of 5.58 is above 3.0, indicating the company is financially healthy by this metric.
- Below 1.8 — Distress Zone (high bankruptcy risk)
- 1.8 to 3.0 — Gray Zone (elevated uncertainty)
- Above 3.0 — Safe Zone (financially healthy)
What drives VRSK's Z-Score?
| Component | Formula | Value | Weight | Contribution |
|---|---|---|---|---|
| A · Working Capital / Total Assets | WC / TA | 0.0751 | 1.2 | 0.09 |
| B · Retained Earnings / Total Assets | RE / TA | 1.2607 | 1.4 | 1.76 |
| C · EBIT / Total Assets | EBIT / TA | 0.2166 | 3.3 | 0.71 |
| D · Market Cap / Total Liabilities | MCap / TL | 4.1926 | 0.6 | 2.52 |
| E · Revenue / Total Assets | Rev / TA | 0.496 | 1.0 | 0.5 |
How has VRSK's financial health changed over time?
| Year | Z-Score | Zone |
|---|---|---|
| 2022 | 4.84 | Safe |
| 2023 | 7.21 | Safe |
| 2024 | 7.54 | Safe |
| 2025 | 5.58 | Safe |
Source: Calculated from VRSK's latest 10-K filing on SEC EDGAR.
What is Verisk Analytics, Inc. actually worth?
How we calculated this
| Input | Value | Source |
|---|---|---|
| Predicted EPS (α) | $6.93 | Proprietary blend of reported actuals + analyst consensus, weighted by α |
| Last Year EPS | $6.48 | Annual report (SEC EDGAR) |
| Analyst Consensus EPS (This Year) | $7.62 | 17 analysts consensus |
| Trailing P/E | 27.6x | Current market pricing |
| Fair P/E (β discount) | 23.5x | Trailing PE adjusted by value discount factor β, hard-capped |
| Earnings Trend (γ) | Growing | Directional signal: predicted vs trailing EPS |
Wall Street Reference: Analyst consensus target price is $223.88 (17 analysts). This is shown for reference only and is not used in our valuation model.
Source: Earnings data from SEC EDGAR filings. Market data via Yahoo Finance.
Does Verisk Analytics, Inc. have a durable competitive advantage?
Moat rating: 3.7/5.
What makes up VRSK's moat score?
ROIC Stability
ROIC variability over the past decade. Score: 4/5.
Gross Margin Trend
Gross margin trajectory over the past decade. Score: 4/5.
Switching Costs
Estimated customer lock-in based on margin level. Score: 3/5.
How stable is VRSK's return on invested capital?
| Year | ROIC | Trend |
|---|---|---|
| 2022 | 25.6% | — |
| 2023 | 36.4% | Rising |
| 2024 | 43.4% | Rising |
| 2025 | 26.7% | Declining |
Source: ROIC calculated from SEC EDGAR filings.
Is Verisk Analytics, Inc.'s dividend safe?
Can Verisk Analytics, Inc. afford its dividend?
Payout ratio is 27.8%. FCF covers the dividend 4.0x. 8 consecutive years of payments.
Verisk Analytics, Inc.'s key financial metrics
| Metric | Latest | 1Y Ago | 3Y Ago | Trend |
|---|---|---|---|---|
| Revenue | $3.1B | $2.9B | $2.5B | Rising |
| Net Income | $0.9B | $1.0B | $1.0B | Stable |
| Free Cash Flow | $1.2B | $0.9B | $0.8B | Rising |
| Gross Margin | 69.9% | 68.7% | 67.0% | Stable |
Recent events that affect our VRSK analysis
VRSK earnings report scheduled
Upcoming report. Consensus EPS estimate: $1.74. Revenue estimate: $772.4M. Our current Fair Value: $162.85 — a significant beat or miss could shift this estimate.
VRSK analyst consensus: 53% bullish (10 of 19 analysts)
4 Strong Buy, 6 Buy, 8 Hold, 1 Sell, 0 Strong Sell. Consensus target: $223.88 (25.1% upside). Compare with our independent Fair Value: $162.85.
VRSK paid $0.5000/share dividend
Dividend Safety Grade: A. Payout ratio: 27.8%.
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
VRSK beat EPS estimates by 12.9%
Reported EPS: $1.82 vs estimate $1.61. Earnings strength supports our Fair Value of $162.85 (9.0% below current price).
VRSK filed annual report (10-K)
Annual filing with full-year financials. Our Altman Z-Score, Moat, and Fair Value models are derived from this data. View on SEC EDGAR →
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
VRSK paid $0.4500/share dividend
Dividend Safety Grade: A. Payout ratio: 27.8%.
VRSK beat EPS estimates by 1.0%
Reported EPS: $1.72 vs estimate $1.70. Earnings strength supports our Fair Value of $162.85 (9.0% below current price).
VRSK filed quarterly report (10-Q)
Quarterly update with interim financials. May signal changes to earnings trajectory and balance sheet health. View on SEC EDGAR →
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
VRSK paid $0.4500/share dividend
Dividend Safety Grade: A. Payout ratio: 27.8%.
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
VRSK beat EPS estimates by 6.1%
Reported EPS: $1.88 vs estimate $1.77. Earnings strength supports our Fair Value of $162.85 (9.0% below current price).
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
VRSK filed quarterly report (10-Q)
Quarterly update with interim financials. May signal changes to earnings trajectory and balance sheet health. View on SEC EDGAR →
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
VRSK paid $0.4500/share dividend
Dividend Safety Grade: A. Payout ratio: 27.8%.
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
VRSK beat EPS estimates by 2.8%
Reported EPS: $1.73 vs estimate $1.68. Earnings strength supports our Fair Value of $162.85 (9.0% below current price).
VRSK filed quarterly report (10-Q)
Quarterly update with interim financials. May signal changes to earnings trajectory and balance sheet health. View on SEC EDGAR →
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
VRSK paid $0.4500/share dividend
Dividend Safety Grade: A. Payout ratio: 27.8%.
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
VRSK beat EPS estimates by 0.8%
Reported EPS: $1.61 vs estimate $1.60. Earnings strength supports our Fair Value of $162.85 (9.0% below current price).
VRSK filed annual report (10-K)
Annual filing with full-year financials. Our Altman Z-Score, Moat, and Fair Value models are derived from this data. View on SEC EDGAR →
VRSK filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
Common questions about Verisk Analytics, Inc.
What is Verisk Analytics, Inc. stock price today?
Verisk Analytics, Inc. (VRSK) stock price is $178.89 as of the latest market close, traded on the NASDAQ exchange.
What does Verisk Analytics, Inc. do?
Verisk Analytics, Inc. engages in the provision of data analytics and technology solutions to the insurance industry in the United States and internationally. It offers underwriting solutions, including forms, rules, and loss costs services that provides policy language, prospective loss costs, policy writing and rating rules, and underwriting solutions for risk selection and segmentation, pricing, and workflow optimization; underwriting data and analytics solutions, which provides property and auto specific rating, and underwriting information solutions; catastrophe modelling and risk solutions; life insurance solutions for transforming current workflows in life insurance underwriting, claim insights, policy administration, unclaimed property/equity, compliance and fraud detection, and actuarial and portfolio modelling; specialty business solutions, which provides full end-to-end management of insurance and reinsurance business; and international underwriting solutions.
What is Verisk Analytics, Inc. market cap?
Verisk Analytics, Inc. has a market capitalization of $24.68B, classifying it as a large-cap stock in the Industrials sector.
What sector and industry is VRSK in?
Verisk Analytics, Inc. operates in the Industrials sector, specifically within the Consulting Services industry. It trades on the NASDAQ under the ticker symbol VRSK.
Is VRSK stock overvalued or undervalued?
Based on our valuation model, Verisk Analytics, Inc. trades 9.8% above our fair value estimate — potentially overvalued.
- FairValueLabs Fair Value: $162.85
- Current Price: $178.89
- Valuation Zone: Fairly Valued
What is VRSK stock forecast and analyst target price?
Based on 17 Wall Street analysts, the consensus price target for Verisk Analytics, Inc. is $223.88, implying upside of 25.1% from the current price.
- Analyst High Target: $275.00
- Analyst Low Target: $183.00
Note: Analyst targets are shown for reference and are not used in our valuation model.
Is Verisk Analytics, Inc. revenue and earnings growing?
Here are the analyst consensus growth estimates for Verisk Analytics, Inc.:
- Revenue growth (current year est.): 4.6%
- EPS growth (current year est.): 6.4%
- Revenue growth (next year est.): 6.7%
- EPS growth (next year est.): 12.9%
What are Verisk Analytics, Inc.'s key financial metrics?
| Metric | Latest | Trend |
|---|---|---|
| Revenue | $3.1B | Rising |
| Net Income | $0.9B | Stable |
| Free Cash Flow | $1.2B | Rising |
| Gross Margin | 69.9% | Stable |
What is VRSK's P/E ratio?
The price-to-earnings ratio measures how much investors pay per dollar of earnings:
- Trailing P/E (last 12 months): 27.6x
- Forward P/E (next 12 months est.): 20.8x
- FairValueLabs Fair P/E: 23.5x
How volatile is VRSK stock?
Verisk Analytics, Inc. has a beta of 0.82, meaning it is less volatile than the broader market. A beta above 1.0 indicates higher price swings relative to the S&P 500, while below 1.0 suggests more stability.
How much cash and debt does Verisk Analytics, Inc. have?
Verisk Analytics, Inc.'s balance sheet shows:
- Total Cash: $2.18B
- Total Debt: $4.90B
- Net Cash Position: $-2.72B
A positive net cash position means the company holds more cash than debt, reducing financial risk.
What is Verisk Analytics, Inc.'s free cash flow?
Verisk Analytics, Inc. generated $1.01B in trailing twelve-month free cash flow (from $1.44B in operating cash flow). Free cash flow represents the cash available for dividends, buybacks, and debt reduction after all capital expenditures.
Does Verisk Analytics, Inc. pay a dividend, and is it safe?
Yes, Verisk Analytics, Inc. pays a regular dividend. Here are the key metrics:
- Dividend Yield: 1.0%
- Payout Ratio: 27.8%
- Consecutive Years Paid: 8
- 5-Year Dividend Growth: -15.5%
- FairValueLabs Safety Grade: A
Is Verisk Analytics, Inc. at risk of going bankrupt?
Verisk Analytics, Inc.'s Altman Z-Score is 5.58, placing it in the safe zone (above 3.0) — bankruptcy risk is low. The Z-Score uses five balance sheet ratios to predict bankruptcy probability within two years.
Does Verisk Analytics, Inc. have a durable competitive advantage?
Verisk Analytics, Inc. scores 3.7/5 stars (Solid moat · eroding) in our moat analysis:
- ROIC Stability: 4/5
- Gross Margin Trend: 4/5
- Switching Costs: 3/5
A score above 3.5 suggests meaningful pricing power and a defensible market position.
What is VRSK's return on equity (ROE)?
Verisk Analytics, Inc.'s return on equity is 438.0%. ROE measures how efficiently a company generates profits from shareholder equity. An ROE above 15% is generally considered strong, while below 10% may signal inefficiency.
How do I buy VRSK stock?
VRSK shares can be purchased through any brokerage account that provides access to the NASDAQ. Common steps:
- Open an account with a broker (e.g., Fidelity, Schwab, Interactive Brokers)
- Search for ticker symbol VRSK
- Place a market or limit order for your desired number of shares
This is not investment advice. Always do your own research before buying any stock.
Is VRSK a value stock or speculative?
FairValueLabs classifies Verisk Analytics, Inc. as Value Investment. It exhibits consistent profitability, reasonable valuation, and financial stability — characteristics of a traditional value investment.
Who is the CEO of Verisk Analytics, Inc.?
The current CEO of Verisk Analytics, Inc. is Mr. Lee M. Shavel.
What is VRSK's earnings per share (EPS)?
Earnings per share measures the company's profit allocated to each outstanding share:
- Trailing EPS (last 12 months): $6.47
- Forward EPS (next 12 months est.): $8.60
- Analyst consensus EPS (this year): $7.62
- Analyst consensus EPS (next year): $8.60
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FairValueLabs Disclaimer
All valuations, scores, ratings, and classifications on this page are produced by the FairValueLabs internal valuation system. They do not represent actual market value, guaranteed outcomes, or professional investment advice. These are analytical estimates for educational and research purposes only.
This is not financial advice. All data is sourced from SEC EDGAR public filings. Always consult a qualified financial advisor before making investment decisions.
Last updated: Apr 22, 2026. Data sources: SEC EDGAR (financial statements), Yahoo Finance (market data, analyst consensus). Data may not reflect the most recent quarter.
VRSK analysis methodology: How we calculate fair value, Z-Scores, and moat ratings