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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 9/10

vs
industry
vs
history
Cash to Debt 0.13
VRSK's Cash to Debt is ranked lower than
61% of the 959 Companies
in the Global Business Services industry.

( Industry Median: 1.72 vs. VRSK: 0.13 )
VRSK' s 10-Year Cash to Debt Range
Min: 0.06   Max: 0.18
Current: 0.13

0.06
0.18
Equity to Asset 0.22
VRSK's Equity to Asset is ranked lower than
58% of the 937 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. VRSK: 0.22 )
VRSK' s 10-Year Equity to Asset Range
Min: -1.45   Max: 0.22
Current: 0.22

-1.45
0.22
Interest Coverage 8.07
VRSK's Interest Coverage is ranked higher than
51% of the 675 Companies
in the Global Business Services industry.

( Industry Median: 21.89 vs. VRSK: 8.07 )
VRSK' s 10-Year Interest Coverage Range
Min: 7.89   Max: 12.72
Current: 8.07

7.89
12.72
F-Score: 6
Z-Score: 4.86
M-Score: -2.70
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 9/10

vs
industry
vs
history
Operating margin (%) 38.50
VRSK's Operating margin (%) is ranked higher than
97% of the 950 Companies
in the Global Business Services industry.

( Industry Median: 7.12 vs. VRSK: 38.50 )
VRSK' s 10-Year Operating margin (%) Range
Min: 29.4   Max: 40.65
Current: 38.5

29.4
40.65
Net-margin (%) 21.83
VRSK's Net-margin (%) is ranked higher than
94% of the 950 Companies
in the Global Business Services industry.

( Industry Median: 4.59 vs. VRSK: 21.83 )
VRSK' s 10-Year Net-margin (%) Range
Min: 12.33   Max: 23.38
Current: 21.83

12.33
23.38
ROE (%) 63.62
VRSK's ROE (%) is ranked higher than
99% of the 919 Companies
in the Global Business Services industry.

( Industry Median: 10.28 vs. VRSK: 63.62 )
VRSK' s 10-Year ROE (%) Range
Min: 63.62   Max: 128.78
Current: 63.62

63.62
128.78
ROA (%) 13.91
VRSK's ROA (%) is ranked higher than
95% of the 965 Companies
in the Global Business Services industry.

( Industry Median: 4.48 vs. VRSK: 13.91 )
VRSK' s 10-Year ROA (%) Range
Min: 12.7   Max: 19.93
Current: 13.91

12.7
19.93
ROC (Joel Greenblatt) (%) 263.21
VRSK's ROC (Joel Greenblatt) (%) is ranked higher than
92% of the 960 Companies
in the Global Business Services industry.

( Industry Median: 33.29 vs. VRSK: 263.21 )
VRSK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 263.21   Max: 472.03
Current: 263.21

263.21
472.03
Revenue Growth (%) 14.90
VRSK's Revenue Growth (%) is ranked higher than
87% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 6.20 vs. VRSK: 14.90 )
VRSK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 17.8
Current: 14.9

0
17.8
EBITDA Growth (%) 16.80
VRSK's EBITDA Growth (%) is ranked higher than
83% of the 605 Companies
in the Global Business Services industry.

( Industry Median: 8.30 vs. VRSK: 16.80 )
VRSK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 24.5
Current: 16.8

0
24.5
EPS Growth (%) 15.20
VRSK's EPS Growth (%) is ranked higher than
78% of the 579 Companies
in the Global Business Services industry.

( Industry Median: 7.80 vs. VRSK: 15.20 )
VRSK' s 10-Year EPS Growth (%) Range
Min: 0   Max: 38.3
Current: 15.2

0
38.3
» VRSK's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

VRSK Guru Trades in Q1 2013

Pioneer Investments 32,000 sh (New)
Caxton Associates 30,000 sh (New)
Jim Simons 2,256,800 sh (New)
David Rolfe 1,889,680 sh (+29.38%)
Andreas Halvorsen 903,617 sh (+10.07%)
Ruane Cunniff 68,814 sh (+0.49%)
Columbia Wanger 1,997,000 sh (unchged)
Murray Stahl 8,000 sh (unchged)
Chuck Akre 800,000 sh (unchged)
George Soros 111,384 sh (unchged)
Warren Buffett 1,563,434 sh (unchged)
Ron Baron 4,549,814 sh (-2%)
RS Investment Management 98,360 sh (-12.35%)
Chuck Royce 97,170 sh (-12.67%)
Steven Cohen 6,712 sh (-13.63%)
Jeremy Grantham 61,500 sh (-26.08%)
» More
Q2 2013

VRSK Guru Trades in Q2 2013

John Hussman 250,000 sh (New)
Steven Cohen 152,278 sh (+2168.74%)
Pioneer Investments 133,600 sh (+317.5%)
Andreas Halvorsen 2,304,305 sh (+155.01%)
David Rolfe 2,236,306 sh (+18.34%)
Jim Simons 2,641,300 sh (+17.04%)
Ruane Cunniff 68,825 sh (+0.02%)
Chuck Akre 800,000 sh (unchged)
Warren Buffett 1,563,434 sh (unchged)
George Soros 111,384 sh (unchged)
Murray Stahl 8,000 sh (unchged)
Columbia Wanger 1,997,000 sh (unchged)
Caxton Associates Sold Out
Ron Baron 4,472,659 sh (-1.7%)
Chuck Royce 90,873 sh (-6.48%)
RS Investment Management 78,259 sh (-20.44%)
Jeremy Grantham 38,200 sh (-37.89%)
» More
Q3 2013

VRSK Guru Trades in Q3 2013

Paul Tudor Jones 175,000 sh (New)
Jeremy Grantham 73,061 sh (+91.26%)
Steven Cohen 223,571 sh (+46.82%)
David Rolfe 2,379,341 sh (+6.4%)
Ron Baron 4,512,593 sh (+0.89%)
Chuck Akre 800,000 sh (unchged)
Warren Buffett 1,563,434 sh (unchged)
George Soros 111,384 sh (unchged)
Columbia Wanger 1,997,000 sh (unchged)
Pioneer Investments 131,570 sh (-1.52%)
Jim Simons 2,558,600 sh (-3.13%)
Murray Stahl 7,700 sh (-3.75%)
Ruane Cunniff 63,583 sh (-7.62%)
RS Investment Management 71,759 sh (-8.31%)
Chuck Royce 74,698 sh (-17.8%)
John Hussman 67,000 sh (-73.2%)
Andreas Halvorsen 590,111 sh (-74.39%)
» More
Q4 2013

VRSK Guru Trades in Q4 2013

George Soros 246,684 sh (+121.47%)
Jeremy Grantham 85,655 sh (+17.24%)
David Rolfe 2,529,002 sh (+6.29%)
RS Investment Management 73,359 sh (+2.23%)
Chuck Akre 800,000 sh (unchged)
Columbia Wanger 1,997,000 sh (unchged)
Warren Buffett 1,563,434 sh (unchged)
Murray Stahl 7,700 sh (unchged)
Andreas Halvorsen Sold Out
John Hussman Sold Out
Paul Tudor Jones Sold Out
Ruane Cunniff 62,964 sh (-0.97%)
Ron Baron 4,366,727 sh (-3.23%)
Pioneer Investments 104,026 sh (-20.93%)
Chuck Royce 54,698 sh (-26.77%)
Jim Simons 1,838,600 sh (-28.14%)
Steven Cohen 58,767 sh (-73.71%)
» More
» Details

Insider Trades

Latest Guru Trades with VRSK

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Hussman 2013-12-31 Sold Out 0.24%$61.27 - $68.74 $ 57.6-12%0
George Soros 2013-12-31 Add 121.47%0.08%$61.27 - $68.74 $ 57.6-12%246684
John Hussman 2013-09-30 Reduce -73.2%0.5%$60.47 - $66.526 $ 57.6-9%67000
John Hussman 2013-06-30 New Buy0.68%$57.7 - $61.29 $ 57.6-4%250000
Chuck Akre 2012-12-31 Add 18.26%0.45%$45.95 - $51.35 $ 57.618%800000
Chuck Akre 2012-09-30 New Buy2.5%$46.41 - $50.94 $ 57.618%676500
George Soros 2012-09-30 New Buy0.1%$46.41 - $50.94 $ 57.618%131384
Warren Buffett 2012-03-31 Reduce -35.26%0.07%$38.98 - $47.33 $ 57.646%2230148
Warren Buffett 2011-12-31 Add 63.96%0.08%$33.06 - $40.13 $ 57.657%3445029
Michael Price 2011-12-31 Sold Out 0.06%$33.06 - $40.13 $ 57.657%0
George Soros 2011-09-30 Sold Out 0.0099%$30.98 - $35.15 $ 57.671%0
Warren Buffett 2011-06-30 New Buy0.14%$32.54 - $34.72 $ 57.671%2101125
George Soros 2011-06-30 Reduce -28.97%$32.54 - $34.72 $ 57.671%20335
Jean-Marie Eveillard 2011-06-30 Sold Out $32.54 - $34.72 $ 57.671%0
George Soros 2011-03-31 Add 70.13%$30.97 - $34.47 $ 57.674%28627
Premium More recent guru trades are included for Premium Members only!!
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Guru Investment Theses on Verisk Analytics, Inc.

Baron Funds Comments on Verisk Analytics - Nov 22, 2013

Shares of Verisk Analytics, Inc. (VRSK), which provides information about risk to companies in the insurance, healthcare, and mortgage industries, contributed to performance in the third quarter. It was helped by consistent execution and improved organic growth. Growth continued to be led by the company's nascent healthcare offering, which is growing over 20% annually and represents a multi-billion dollar opportunity over the long term. (Neal Rosenberg)

From Ron Baron’s Baron Funds third quarter 2013 letter.


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Baron Funds Comments on Verisk Analytics Inc. - Dec 14, 2012

Verisk Analytics, Inc. (VRSK) is a leading data and analytics company for the property & casualty insurance, health care, and mortgage industries. Shares fell 3.3% in the third quarter as financial results were hampered by weakness in its mortgage line.We remain optimistic about the company's long-term prospects. Verisk dominates the insurance data and analytics space, maintains high margins, and now offers data solutions that help reduce fraud in the health care and credit card industries. (Rob Susman)

From Baron Funds’ third quarter 2012 letter.


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Wedgewood Partners' David Rolfe Comments on Verisk Analytics - Nov 12, 2012

Verisk Analytics (VRSK) detracted from our performance during the quarter. While little known to investors even today, Verisk has a long and rich history dating back to its incarnation in 1971. Prior to Verisk’s IPO, it was discreetly called Insurance Services Office (ISO) and began as a nonprofit association for U.S. property and casualty insurance companies. Such insurance companies are regulated by the states and these regulations were quite burdensome and required significant data and documentation. Yet from state to state, insurance companies’ regulatory filings became a duplicitous task. This is where ISO stepped in to become a central – and quite critical - depository and gatherer of data for the association of insurance companies. Over the course of the next 25 years ISO would morph into a private for-profit company, leveraging their access to reams of valuable data and then in turn creating even more valuable analytical products and services. They branched into actuarial loss estimation, standardized policies and proprietary risk classification. In late 2009, the association of insurance companies desired, and needed, the considerable liquidity embedded in their joint ownership of Verisk, so the association sold their respective stakes in Verisk through an IPO that raised $1.9 billion. (An aside: Warren Buffett was the only association shareholder who kept Berkshire Hathaway’s respective shares.) We first invested in these shares in August of 2011. Today, the Company’s suite of risk assessment services and decision analytical tools includes, of course, the P&C insurance industry, but also covers the reinsurance, mortgage & financial services, healthcare industries and government entities. Verisk counts all of the top 100 P&C insurance companies as clients – with a not-so-insignificant renewal rate of 98%, while over 70% of the company’s revenues are prepaid, booked subscriptions. This unique franchise, as one would suspect, generates uniquely attractive operating margins in excess of 40%. The Company’s products and services significantly underpenetrate all of the non-P&C industry verticals. We expect Verisk to continue to capitalize on an annual double-digit growth opportunity, as well as to continue to execute a smart consolidation of industry actuarial peers in conjunction with meaningful, opportunistic share buybacks.

From Wedgewood Partners Third Quarter 2012 Review and Outlook.


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Wedgewood Partners Comments on Verisk - Aug 31, 2012

Verisk (VRSK) positively contributed to performance during the quarter after the company reported 17.5% year over year growth in diluted adjusted earnings per share. The company continues to leverage its position as the largest provider of actuarial data and analytical services to property and casualty insurers. Verisk operates as a niche player in the information delivery sub-industry. There are no rivals in this sub-industry with offerings that are as comprehensive as Verisk's portfolio, so the company encounters very little competition on this front. As a result of the fragmentation, Verisk is a serial acquirer of smaller competitors, but is often able to execute their acquisition strategy on quite favorable terms.

From Tony Guerrerio's second quarter letter.

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Baron Funds Comments on Verisk Analytics - Aug 24, 2012

From Baron Funds' second quarter commentary:

Shares of insurance analytics company Verisk Analytics, Inc. (VRSK) rose 4.9% in the second quarter versus a 2.8% drop for the S&P 500 Index. Verisk's primary mission is providing proprietary data, forms and analytics to the property and casualty insurance industry.This part of the business is about 40% of revenues and is high margin (approximately 55%). One of the primary reasons the stock outperformed in the second quarter was the changing view of insurance participants that rates and the exposure levels in the space that are improving after three years of negative growth. Verisk's core insurance business fluctuates directly with premium volume and when sentiment improves around overall insurance exposure and pricing, the multiple tends to expand and the stock outperforms.What is interesting is that Verisk prices its insurance product on a two year lag, so that improvements today could benefit the company for many years ahead. Additionally, the stock outperformed because Verisk's emerging health care business continues to make great strides helping medical providers and payers with quality of outcome data and fraud risk. Organic growth in this segment has been in the 30% range and recent results showed sequential improvement. If Verisk can apply its expertise around understanding and managing risk to the health care space then we think the earnings potential of the company is significant. Total health care spend is approximately four times the size of P&C insurance. As part of this health care strength, in the second quarter Verisk acquired Medi-Connect, a company with a unique database of clinical files which provides Verisk with yet another great data set from which to derive proprietary analytics. (Rob Susman)
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Baron Funds Comments on Verisk Analytics - May 24, 2012

From Baron Funds' first quarter letter: Shares of Verisk Analytics, Inc. (VRSK), an insurance data and analytics company, rose 17.0%. After a strong 2011, it appears that the company's primary business (risk assessment) is on the verge of a large increase in organic growth, while its newer health analytics business has continued to exceed growth expectations. We believe Verisk has a dominant position in the insurance analytics space and has the ability to leverage its data expertise in other industry verticals. (Rob Susman)
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Top Ranked Articles about Verisk Analytics, Inc.

Baron Funds Comments on Verisk Analytics
Shares of Verisk Analytics, Inc. (VRSK), which provides information about risk to companies in the insurance, healthcare, and mortgage industries, contributed to performance in the third quarter. It was helped by consistent execution and improved organic growth. Growth continued to be led by the company's nascent healthcare offering, which is growing over 20% annually and represents a multi-billion dollar opportunity over the long term. (Neal Rosenberg) Read more...
Weekly CFO Sells Highlight: PFPT, VRSK, FET, DSW, MGLN
According to GuruFocus Insider Data, the largest CFO sells during the past week were: Proofpoint Inc, Verisk Analytics Inc, Forum Energy Technologies Inc, DSW Inc, and Magellan Health Services Inc. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 28.20
VRSK's P/E(ttm) is ranked lower than
54% of the 766 Companies
in the Global Business Services industry.

( Industry Median: 20.70 vs. VRSK: 28.20 )
VRSK' s 10-Year P/E(ttm) Range
Min: 21.7   Max: 43.75
Current: 28.2

21.7
43.75
P/B 17.90
VRSK's P/B is ranked lower than
81% of the 899 Companies
in the Global Business Services industry.

( Industry Median: 2.50 vs. VRSK: 17.90 )
VRSK' s 10-Year P/B Range
Min: 17.6   Max: 192.69
Current: 17.9

17.6
192.69
P/S 6.20
VRSK's P/S is ranked lower than
85% of the 948 Companies
in the Global Business Services industry.

( Industry Median: 1.32 vs. VRSK: 6.20 )
VRSK' s 10-Year P/S Range
Min: 4.56   Max: 7.63
Current: 6.2

4.56
7.63
PFCF 27.30
VRSK's PFCF is ranked lower than
60% of the 611 Companies
in the Global Business Services industry.

( Industry Median: 17.63 vs. VRSK: 27.30 )
VRSK' s 10-Year PFCF Range
Min: 16.16   Max: 32.22
Current: 27.3

16.16
32.22
EV-to-EBIT 18.50
VRSK's EV-to-EBIT is ranked higher than
51% of the 843 Companies
in the Global Business Services industry.

( Industry Median: 15.40 vs. VRSK: 18.50 )
VRSK' s 10-Year EV-to-EBIT Range
Min: 13.6   Max: 21.3
Current: 18.5

13.6
21.3
PEG 1.40
VRSK's PEG is ranked higher than
70% of the 457 Companies
in the Global Business Services industry.

( Industry Median: 2.16 vs. VRSK: 1.40 )
VRSK' s 10-Year PEG Range
Min: 0.8   Max: 1.51
Current: 1.4

0.8
1.51
Shiller P/E 38.00
VRSK's Shiller P/E is ranked lower than
60% of the 469 Companies
in the Global Business Services industry.

( Industry Median: 24.20 vs. VRSK: 38.00 )
VRSK' s 10-Year Shiller P/E Range
Min: 37.7   Max: 44.3
Current: 38

37.7
44.3

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 2.90
VRSK's Price/DCF (Projected) is ranked lower than
74% of the 514 Companies
in the Global Business Services industry.

( Industry Median: 1.40 vs. VRSK: 2.90 )
VRSK' s 10-Year Price/DCF (Projected) Range
Min: 3.31   Max: 3.31
Current: 2.9

Price/Median PS Value 1.10
VRSK's Price/Median PS Value is ranked higher than
55% of the 897 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. VRSK: 1.10 )
VRSK' s 10-Year Price/Median PS Value Range
Min: 0.95   Max: 1.29
Current: 1.1

0.95
1.29
Price/Peter Lynch Fair Value 1.30
VRSK's Price/Peter Lynch Fair Value is ranked higher than
64% of the 230 Companies
in the Global Business Services industry.

( Industry Median: 1.40 vs. VRSK: 1.30 )
VRSK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.47   Max: 1.47
Current: 1.3

Earnings Yield (Greenblatt) 5.40
VRSK's Earnings Yield (Greenblatt) is ranked higher than
54% of the 848 Companies
in the Global Business Services industry.

( Industry Median: 6.60 vs. VRSK: 5.40 )
VRSK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.7   Max: 7.4
Current: 5.4

4.7
7.4
Forward Rate of Return (Yacktman) 24.59
VRSK's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 660 Companies
in the Global Business Services industry.

( Industry Median: 6.90 vs. VRSK: 24.59 )
VRSK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 24.6   Max: 38.5
Current: 24.59

24.6
38.5

Business Description

Industry: Business Services » Business Services
Compare: » details
Traded in other countries:VA7A.Germany
Verisk Analytics, Inc., is incorporated in Delaware. It is a provider of information about risk to professionals in insurance, healthcare, mortgage, government, supply chain, and risk management. The Company by using advanced technologies to collect and analyze billions of records, draws on industry expertise and unique proprietary data sets to provide predictive analytics and decision-support solutions in fraud prevention, actuarial science, insurance coverages, fire protection, catastrophe and weather risk, data management, and many other fields. Its customers use its solutions to make better risk decisions with greater efficiency and discipline. The Company organizes its business in two segments: Risk Assessment and Decision Analytics. Its Risk Assessment segment serves its P&C insurance customers and focuses on the first two decision making processes in its Risk Analysis Framework: prediction of loss and selection and pricing of risk. Within this segment, it also provides solutions to help its insurance customers comply with their reporting requirements in each U.S. state in which they operate. In the Decision Analytics segment, it supports all four phases of its Risk Analysis Framework. It develops predictive models to forecast scenarios and produce both standard and customized analytics that help its customers better predict loss, select and price risk, detect fraud before and after a loss event, and quantify losses. The Company's competitors includes other statistical agents, including the National Independent Statistical Service, the Independent Statistical Service and other advisory organizations, providing underwriting rules, prospective loss costs and coverage language such as the American Association of Insurance Services and Mutual Services Organization. The customers in its Risk Assessment segment for the lines of P&C services it offer include the top 100 P&C insurance providers in the United States, as well as insurers in international markets. It sells products and services mainly through direct interaction with its clients. The Company has two primary data centers in Jersey City, New Jersey and Orem, Utah. It employs a three-tier sales structure that includes salespeople, product specialists and sales support. The Company encounters competition from a number of sources, including insurers who develop internal technology and actuarial methods for proprietary insurance programs. Competitors also include other statistical agents, including the National Independent Statistical Service, the Independent Statistical Service and other advisory organizations, providing underwriting rules, prospective loss costs and coverage language such as the American Association of Insurance Services and Mutual Services Organization. Many of its products, services and operations as well as insurer use of its services are subject to state rather than federal regulation by virtue of the McCarran-Ferguson Act.

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