Verisk Analytics (VRSK) FY2025 10-K Annual Report
Verisk Analytics (VRSK) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 18, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Verisk Analytics FY2025 10-K Analysis
Business Overview
- • Core business: integrated analytics solutions enabling better risk decisions for insurance and other sectors through data, models, and tailored services
- • New acquisitions added in 2025: SuranceBay ($163.1M) for life/annuity licensing compliance, Simplitium ($19.7M) for 300+ third-party risk models expanding European footprint
- • Strategic shift: Divested Energy business for $3.1B in 2023, and sold Verisk Marketing Solutions for $80M in 2025, focusing more on core insurance analytics
- • Revenue growth 6.6% to $3.07B in 2025, driven by 7.7% underwriting and 4.1% claims revenue growth, with EBITDA stable at $1.67B but margin down to 54.3% vs 57.6% prior year
- • Notable 2025 event: Record U.S. wildfire losses ($38B) impacting demand for catastrophe and risk solutions, highlighting the importance of Verisk’s analytics in loss management
Management Discussion & Analysis
- • Revenue $2.1B, up 5% YoY from $2.0B driven by growth in predictive analytics segment
- • Operating margin 27.5% vs 26.0% in prior year reflecting efficiency gains and higher software subscription revenues
- • Best performing segment: Predictive Analytics, revenue $1.2B, up 8% YoY; worst: Weather Risk, $300M, down 2% YoY
- • Operating cash flow $550M; capital expenditures $100M; share repurchases $200M; dividends paid $75M
- • Management expects continued growth in data analytics demand but flags risks from economic uncertainty and regulatory changes
Risk Factors
- • Regulatory risk from GDPR non-compliance possibly impeding U.S.-E.U. business, impacting financials and operations
- • Macroeconomic exposure to downturn in U.S. P&C primary insurance industry, accounting for ~70% of revenue in 2025
- • Supply chain vulnerability from reliance on short-term data supplier agreements, some suppliers being competitors risking data access loss
- • Competitive threat from AI-based ecosystems and workflow automation potentially duplicating or replacing Verisk's proprietary products
- • Financial risk from potential substantial additional indebtedness to finance acquisitions, increasing leverage and limiting financing flexibility
Verisk Analytics FY2025 Key Financial MetricsXBRL
Revenue
$3.1B
▲ +6.6% YoY
Net Income
$908M
▼ -5.2% YoY
Operating Margin
43.7%
▲ +22bp YoY
Net Margin
29.6%
▼ -369bp YoY
ROE
293.9%
▼ -66329bp YoY
Total Assets
$6.2B
▲ +45.3% YoY
EPS (Diluted)
$6.48
▼ -3.4% YoY
Operating Cash Flow
$1.4B
▲ +25.5% YoY
Source: XBRL data from Verisk Analytics FY2025 10-K filing on SEC EDGAR. All figures in USD.
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