Verisk Analytics (VRSK) Company Report

At J.P. Morgan’s Ultimate Services Investor Conference, Verisk’s President of Underwriting Solutions confirmed Core Lines Reimagined—a multi-year overhaul of ISO forms, loss costs, analytics, and technology—is in its final quarter, with digital modules live on core.verisk.com, >50% customer adoption, and 2–3× engagement on mature analytics.
Verisk is embedding Gen AI layers into its proprietary content for natural-language querying, automated metadata tagging, and rapid ingestion of unstructured submissions, boosting internal development efficiencies and customer workflows.
Underwriting Solutions maintains value-based pricing, leveraging Core Lines Reimagined to sustain past price realization improvements, while addressing headwinds from personal auto competitive parity and a reduction in certain government contract spend.
The full migration of all content to the new digital platform is expected within 12–18 months, with a voluntary transition to avoid forced cutovers and to let customers adopt at their own pace.

Nov 18, 2025, 7:00 PM

Transcript

Verisk details underwriting solutions transformation at investor conference

VRSK

Product Launch

M&A

Underwriting Solutions President Saurabh Khemka said Verisk is in the final phase of its five-year Core Lines Reimagined overhaul; over 50% of customers now use the new digital platform (core.verisk.com), with 2–3× higher engagement on mature analytics modules, and Gen AI layers enable natural-language querying and summaries of proprietary forms, rules, and loss costs data.
Verisk is building new contributory underwriting databases, notably an excess & surplus lines consortium, allowing customers to benchmark their E&S performance against admitted market data and benefit from network effects as they contribute data.
The company will continue value-based pricing under its existing methodology; Core Lines Reimagined delivers enhanced analytics that support improved price realization and ongoing margin expansion, particularly through long-term contracts.
In personal lines auto, competitive pressure is concentrated in non-differentiated products, though Verisk’s LightSpeed bindable-quote solution remains uniquely differentiated, prompting a renewed focus on product innovation.
Verisk maintains an appetite for M&A on the underwriting side—seeking acquisitions that bolster proprietary data and workflow synergies—and plans to migrate all core content to core.verisk.com within 12–18 months via voluntary customer transition.

Nov 18, 2025, 7:00 PM

Transcript

Verisk outlines Core Lines Reimagined progress at J.P. Morgan 2025 Investor Conference

VRSK

New Projects/Investments

M&A

Verisk’s Core Lines Reimagined program is in its final phase of a five-year overhaul, with over 50% of customers using new digital modules and digitized analytics driving 2–3× higher engagement on migrated content.
The company is layering Gen AI on proprietary forms, rules, and loss-cost content to enable natural-language queries and faster summarization, further boosting customer interaction.
Verisk is building a contributory Excess & Surplus (E&S) line database by aggregating customer data to benchmark E&S performance against admitted markets, creating a network effect for participants.
Underwriting Solutions will maintain value-based pricing and pursue margin expansion by leveraging AI-driven efficiencies in content digitization and internal workflows.
All core underwriting content will be available on core.verisk.com within 12–18 months without forced migration, with customers expected to transition fully as they realize platform efficiencies.

Nov 18, 2025, 7:00 PM

Transcript

Verisk estimates USD 2.2–4.2 B insured losses from Hurricane Melissa

VRSK

The Extreme Event Solutions group at Verisk forecasts industry insured losses of USD 2.2 billion to USD 4.2 billion to onshore property in Jamaica from Hurricane Melissa.
Melissa made landfall as a Category 5 hurricane with 185 mph maximum sustained winds and a minimum central pressure of 892 mb near New Hope, Jamaica on October 28.
Residential building inventory in Jamaica is ~70% masonry and ~30% wood framed with informal construction practices; significant damage occurred where winds exceeded local design codes (130 mph in Black River, 125 mph in Montego Bay).
Insurance take-up rates are under 20% for residential properties, with many underinsured and a significant portion of commercial and auto lines uninsured; Verisk’s estimates exclude uninsured properties, storm surge, infrastructure, and other categories.

Nov 3, 2025, 11:53 AM

Press Release

Verisk reports Q3 2025 results

VRSK

Earnings

M&A

Guidance Update

Consolidated GAAP revenue in Q3 was $768 million (+5.9% YoY); net income $226 million (+2.5%) and EPS $1.61 (+5%).
On an OCC basis, revenues grew 5.5%, driven by subscription growth of 8.7% (84% of revenues), while transactional revenues declined 8.8% due to low weather activity.
OCC adjusted EBITDA increased 8.8%, expanding margins to 55.8%, and free cash flow rose 40% to $336 million aided by improved collections and tax benefits.
FTC issued a second request delaying the AccuLynx acquisition; Verisk removed any deal benefits from its 2025 guidance.
Revised 2025 guidance forecasts revenue of $3.05–3.08 billion, adjusted EBITDA of $1.69–1.72 billion, and adjusted EPS of $6.80–7.00.

Oct 29, 2025, 12:30 PM

Transcript

Verisk reports Q3 2025 earnings results

VRSK

Earnings

Guidance Update

GAAP revenue was $768 million (+5.9% YoY) and net income was $226 million (+2.5%), driving diluted EPS of $1.61 (+5%) in Q3 2025.
Organic constant-currency revenue grew 5.5%, led by subscription revenue up 8.7%, while OCC adjusted EBITDA rose 8.8% with margins expanding to 55.8%.
Transactional revenue declined 8.8% due to exceptionally low weather activity (~1% drag on OCC revenue); NOAA-tracked events were down 18% YoY and 31% below the five-year average.
Updated 2025 guidance excludes AccuLynx benefits, now forecasting revenue of $3.05–3.08 billion, adjusted EBITDA of $1.69–1.72 billion, margins of 55–55.8%, and adj EPS of $6.80–7.00.

Oct 29, 2025, 12:30 PM

Transcript

Verisk announces Q3 2025 results

VRSK

Earnings

Guidance Update

Share Buyback

Verisk reported 3Q25 revenue of $768 M, up 5.9% YoY (OCC +5.5%), and adjusted EBITDA of $429 M, up 7.2% YoY (OCC +8.8%).
Achieved diluted adjusted EPS of $1.72, up 3.0% YoY, and generated $336 M of free cash flow (39.6% YoY), with YTD FCF of $916 M.
Returned $163 M to shareholders in 3Q25, including $100 M share repurchases and $63 M dividends ($0.45/share).
Reaffirmed 2025 guidance: revenue of $3.05–3.08 B, adjusted EBITDA of $1.69–1.72 B, and diluted adj. EPS of $6.80–7.00.

Oct 29, 2025, 12:30 PM

Presentation

Verisk reports Q3 2025 results

VRSK

Earnings

Guidance Update

Debt Issuance

Verisk delivered Q3 revenue of $768 million, up 5.9%, with net income of $226 million and diluted EPS of $1.61, a 5% increase versus prior year.
On an organic constant currency basis, revenues rose 5.5%, driven by 8.7% subscription growth (84% of total revenue), while adjusted EBITDA grew 8.8% and expanded to a 55.8% margin.
Issued $1.5 billion of senior notes to fund the AccuLynx acquisition; Q3 net interest expense was $42 million. Returned capital via a 15% dividend increase to $0.45 per share and $100 million of share repurchases.
Updated 2025 guidance (ex-AccuLynx contribution): revenue of $3.05–3.08 billion, adjusted EBITDA of $1.69–1.72 billion, margin of 55–55.8%, and adjusted EPS of $6.80–7.00.

Oct 29, 2025, 12:30 PM

Transcript

Verisk reports Q3 2025 financial results

VRSK

Earnings

M&A

Verisk reports Q3 revenue of $768 million, up 5.9% (organic constant currency growth 5.5%) year-over-year.
Net income of $226 million, up 2.5%, and adjusted EBITDA of $429 million, up 7.2% (8.8% OCC).
Diluted GAAP EPS of $1.61, up 4.5%, and diluted adjusted EPS of $1.72, up 3.0%.
Net cash from operations of $403.5 million, up 36.2%, and free cash flow of $336.1 million, up 39.6%.
The proposed AccuLynx acquisition is under FTC review after a Second Request.

Oct 29, 2025, 11:21 AM

8-K

Verisk Analytics announces collaboration with Jopari Solutions to modernize medical claims processing

VRSK

New Projects/Investments

Verisk will integrate its GenAI-powered analytics with Jopari’s medical claims delivery network of 2.9 million healthcare participants to enhance claim review workflows.
The partnership delivers pre-validated structured data at intake and actionable analytics at adjudication to speed up decisions and flag high-risk claims earlier.
Verisk’s AI-driven medical record review can cut processing times by up to 90% versus manual processes, reducing delays and errors.
Additional details will be shared at the National Workers’ Compensation and Disability Conference in Nashville on Nov. 11–12, 2025.

Oct 7, 2025, 2:15 PM

Press Release

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