Short answer
Verisk Analytics (VRSK) filed its fiscal 2025 10-K annual report with the SEC on Feb 18, 2026. It reported revenue of $3.1B (+6.6% year over year) and net income of $908M.
- Top risk flagged: Regulatory risk from GDPR non-compliance possibly impeding U.S.-E.U. business, impacting financials and operations
FY2025 key financial metrics · XBRL
- Revenue
- $3.1B
- +6.6% YoY
- Net income
- $908M
- −5.2% YoY
- Operating margin
- 43.7%
- +0.2 pp YoY
- EPS (diluted)
- $6.48
- −3.4% YoY
- ROE
- 293.9%
- −663.3 pp YoY
- Operating cash flow
- $1.4B
- +25.5% YoY
Source: XBRL data from the Verisk Analytics (VRSK) FY2025 10-K on SEC EDGAR. USD.
Verisk Analytics FY2025 10-K analysis
AI summary of each section, grounded in the filing text
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
Generated from the filing text; verify against the original. How to read a 10-K
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