Revenue Performance - Revenue for the three months ended September 30, 2025, was $768.3 million, representing a year-over-year growth of 5.9% compared to $725.3 million in 2024[119] - For the nine months ended September 30, 2025, revenue reached $2,293.9 million, a 6.9% increase from $2,146.1 million in the same period of 2024[119] - Revenues for Q3 2025 were $768.3 million, a 5.9% increase from $725.3 million in Q3 2024, driven by a $35.2 million increase in underwriting revenue (6.9%) and a $7.8 million increase in claims revenue (3.6%) [123] - For the nine months ended September 30, 2025, revenues reached $2,293.9 million, up 6.9% from $2,146.1 million in the same period of 2024, with underwriting revenue increasing by $110.9 million (7.3%) and claims revenue by $36.9 million (5.8%) [135] EBITDA and Margins - EBITDA for the three months ended September 30, 2025, was $426.6 million, reflecting an 8.3% growth from $393.8 million in 2024[119] - The EBITDA margin for the nine months ended September 30, 2025, was calculated as EBITDA of $1,288.2 million against revenues of $2,293.9 million, indicating a margin improvement[119] - EBITDA for Q3 2025 was $426.6 million, with an EBITDA margin of 55.5%, up from $393.8 million and 54.3% in Q3 2024, reflecting revenue growth and cost discipline [133] - EBITDA for the nine months ended September 30, 2025 was $1,288.2 million, with an EBITDA margin of 56.2%, down from 59.3% in the prior year [147] Net Income - Net income for the three months ended September 30, 2025, was $225.5 million, a 2.5% increase from $220.0 million in 2024[119] - Net income for Q3 2025 was $225.5 million, a slight increase from $220.0 million in Q3 2024, while net income for the nine months ended September 30, 2025, was $711.1 million, down from $747.2 million in the same period of 2024[149] - For the nine months ended September 30, 2025, net income was $711.1 million, down 4.8% from $747.2 million in the same period of 2024, with a net income margin of 31.0% compared to 34.8% [146] Expenses - Personnel expenses accounted for approximately 56% of total operating expenses for the nine months ended September 30, 2025[113] - The cost of revenues for the three months ended September 30, 2025, was $229.5 million, a 2.7% increase from $223.4 million in 2024[119] - Selling, general and administrative expenses decreased by 3.0% to $110.6 million for the three months ended September 30, 2025, compared to $114.0 million in 2024[119] - Cost of revenues for Q3 2025 was $229.5 million, a 2.7% increase from $223.4 million in Q3 2024, with a net increase of $8.1 million attributed to IT expenses, salaries, and data costs [125] - Selling, general and administrative expenses decreased by 3.0% to $110.6 million in Q3 2025 from $114.0 million in Q3 2024, despite a net increase of $3.4 million from recent acquisitions [126] Cash Flow and Debt - Cash and cash equivalents totaled $2,108.7 million as of September 30, 2025, significantly up from $292.5 million at the end of 2024[150] - Net cash provided by operating activities increased by 36.2% to $403.5 million in Q3 2025 from $296.2 million in Q3 2024[159] - Total debt increased to $4,750 million as of September 30, 2025, up from $3,050 million at the end of 2024[153] - The company repurchased $400.2 million of its common stock during the nine months ended September 30, 2025, compared to $750.0 million in the same period of 2024[152] - The company entered into a $750.0 million Term Credit Agreement on August 15, 2025, to finance the acquisition of AccuLynx[156] - Net cash used in investing activities for Q3 2025 was $234.5 million, primarily due to acquisitions totaling $160.4 million[161] - Net cash provided by financing activities for Q3 2025 was $1,305.3 million, driven by proceeds from short-term debt issuance[163] Tax and Interest - The provision for income taxes for Q3 2025 was $76.6 million, with an effective tax rate of 25.3%, compared to $65.3 million and 22.9% in Q3 2024 [131] - Interest expense for Q3 2025 increased by 31.5% to $42.2 million from $32.1 million in Q3 2024, primarily due to new Senior Notes issuance [130] Management and Accounting - Management's discussion and analysis are based on condensed consolidated financial statements prepared in accordance with U.S. GAAP[167] - Management evaluates estimates related to acquisition purchase price allocations, revenue recognition, and goodwill[167] - No material changes to critical accounting policies and estimates since the last annual report on Form 10-K[167] - Market risks as of September 30, 2025, have not materially changed from those discussed in the previous annual report[168] Operational Efficiency - The company aims to grow its headcount while managing personnel expenses at a lower rate than revenue growth, indicating a focus on operational efficiency[115]

Exhibit 99.1 Verisk Reports Third-Quarter 2025 Financial Results JERSEY CITY, N.J., October 29, 2025 — Verisk (Nasdaq: VRSK), a leading global data analytics and technology provider, today announced results for the third quarter ended September 30, 2025. The earnings release is available on the company's Investor Relations website at investor.verisk.com. Lee Shavel, President and CEO, Verisk: Summary of Results (GAAP and Non-GAAP) from Continuing Operations (in millions, except per share amounts) Note: Adju ...

Core Insights - Verisk is on track to meet its long-term growth targets, with strategic engagements leading to new opportunities and an expanded client base [2][3] - The company reported a 5.5% organic constant currency revenue growth in Q3 2025, despite temporary factors affecting growth [3][7] - Strong operating leverage resulted in an 8.8% growth in adjusted EBITDA and a 40% increase in free cash flow, showcasing the company's cash flow generation potential [3][7] Financial Performance - Q3 2025 revenues reached $768 million, a 5.9% increase from $725 million in Q3 2024 [5][7] - Net income for Q3 2025 was $226 million, up 2.5% from $220 million in Q3 2024 [5][9] - Adjusted EBITDA for Q3 2025 was $429 million, reflecting a 7.2% increase compared to $401 million in Q3 2024 [5][10] - Diluted EPS attributable to Verisk increased by 4.5% to $1.61, while diluted adjusted EPS rose by 3.0% to $1.72 [5][11] Revenue Breakdown - Underwriting revenues increased by 6.9% in Q3 2025, driven by forms, rules, loss cost services, and extreme event solutions [12] - Claims revenues grew by 3.6% in Q3 2025, primarily due to anti-fraud and casualty solutions [12] Cash Flow and Capital Return - Net cash provided by operating activities increased by 36.2% to $404 million in Q3 2025 [15][18] - Free cash flow for Q3 2025 was $336 million, a 39.6% increase from $241 million in Q3 2024 [15][18] - The company declared a cash dividend of $0.45 per share, reflecting a 15.4% increase from the previous year [15][18] Full Year 2025 Outlook - The updated revenue guidance for 2025 is projected between $3,050 million and $3,080 million [16] - Adjusted EBITDA is expected to be in the range of $1,690 million to $1,720 million, with a margin of 55.0% to 55.8% [16]

Core Insights - Verisk (VRSK) is set to release its third-quarter fiscal 2025 results on October 29, before market open, with expectations of surpassing earnings estimates based on historical performance [1][11] Revenue Expectations - The Zacks Consensus Estimate for revenues is $774.7 million, reflecting a 6.8% increase from the same quarter last year, driven by subscription revenues, particularly in underwriting and claims [2][11] - Estimated revenues from the United States are $612.4 million, indicating a 5.5% year-over-year growth, while revenues from the U.K. are projected at $60.7 million, suggesting a 13.9% increase [3] - Revenues from other countries are expected to rise by 11.1% year-over-year to $75.4 million [3] Earnings Projections - The consensus estimate for earnings per share (EPS) is $1.69, which represents a 1.2% increase from the previous year, attributed to prudent cost control and margin expansion [4][11] - The model predicts an earnings beat for Verisk, supported by a positive Earnings ESP of +4.25% and a Zacks Rank of 3 (Hold) [5] Comparative Analysis - Other companies in the business services sector, such as Payoneer Global and Republic Services, are also expected to report earnings, with varying growth rates and earnings surprises [6][7][9]

Core Insights - Verisk Analytics, Inc. (NASDAQ: VRSK) is currently flagged as having a high risk of poor performance, which may deter potential investors [1] Group 1 - The warning about Verisk Analytics could impact investor sentiment negatively [1] - Robert F. Abbott, an experienced investor since 1995, has diversified his investment strategies by incorporating options such as covered calls and collars [1]

Core Insights - Verisk Analytics, Inc. (NASDAQ: VRSK) is currently flagged as having a high risk of poor performance, which may deter potential investors [1] Group 1 - The warning about Verisk Analytics is prominently displayed on the Seeking Alpha summary page, indicating significant concerns regarding the company's future performance [1] - Robert F. Abbott, an experienced investor since 1995, has been managing his family's accounts and has incorporated options trading into his strategy since 2010, suggesting a level of sophistication in investment approaches [1]

Core Insights - Conestoga Capital Advisors reported that equity markets reached new all-time highs in Q3 2025, but their Mid Cap Composite returned -3.2% net-of-fees, underperforming the Russell Midcap Growth Index which gained 2.8% [1] Company Overview - Verisk Analytics, Inc. (NASDAQ:VRSK) provides data analytics and technology solutions primarily for the insurance industry [3] - As of October 21, 2025, Verisk's stock closed at $237.03 per share, with a market capitalization of $33.117 billion [2] Performance Metrics - Verisk's one-month return was -2.17%, and its shares lost 11.42% over the last 52 weeks [2] - In Q2 2025, Verisk generated $773 million in revenue, reflecting a 7.8% increase from Q2 2024 [4] - The company reported organic revenue growth of 7.9% in Q2 2025, exceeding market expectations across various financial metrics [3] Strategic Developments - Verisk announced a $2.5 billion acquisition of AccuLynx, a SAAS-based software business, but the market reacted negatively to the 15x revenue multiple paid for this acquisition [3] - The decline in Verisk's stock is attributed to moderating organic growth expectations for the latter half of the year [3] Market Sentiment - Verisk Analytics is not among the 30 most popular stocks among hedge funds, with 49 hedge fund portfolios holding the stock at the end of Q2 2025, up from 45 in the previous quarter [4] - While Verisk is recognized for its potential, certain AI stocks are viewed as having greater upside potential and less downside risk [4]

Group 1 - Verisk Analytics, Inc. (NASDAQ:VRSK) is recognized as a top defensive stock pick by hedge funds, with a "Buy" rating and a price target of $280 initiated by Seaport Research [1][2] - The company is evolving from an industry utility to a data analytics specialist and integrated technology network, focusing on capital investment in core operations and strategic acquisitions [2] - Verisk completed the acquisition of SuranceBay, aimed at streamlining the insurance buying and selling process and enhancing workflows within the insurance ecosystem [2] Group 2 - ClearBridge Investments highlighted Verisk as a significant investment, noting its modern solutions are essential for major insurance companies, with expected growth in high single digits and improved margins and free cash flow [3] - Despite the potential of Verisk, ClearBridge suggests that certain AI stocks may offer greater upside potential and lower downside risk [3]

Market Performance - The U.S. stock market closed lower on October 16, 2025, with the S&P 500 Index down 0.6%, the Dow Jones Industrial Average down 0.7%, and the Nasdaq Composite down 0.5%, reflecting ongoing volatility and concerns over the government shutdown and mixed economic data [1][3][11] - Initial gains were driven by strong corporate earnings, particularly from financial institutions and AI-driven technology firms, with the S&P 500 gaining 0.4% and the Nasdaq Composite climbing 0.7% at one point before retreating [2][11] Economic Indicators - The October NAHB housing market index rose by 5 points to a six-month high of 37, while the October Philadelphia Fed business outlook survey fell sharply by 36.0 points to a six-month low of -12.8, indicating mixed economic signals [7] Corporate Developments - Nvidia (NVDA) rose nearly 2%, and Broadcom (AVGO) jumped 3%, driven by strong demand in the semiconductor and AI sectors [8] - Taiwan Semiconductor Manufacturing Co. (TSM) raised its 2025 revenue guidance to mid-30% growth and reported a 39% surge in third-quarter profit, but its U.S.-listed shares fell 1.6% after initial gains [8] - Salesforce (CRM) closed 4% higher after issuing a positive long-term outlook, projecting revenue to surpass $60 billion in 2030 [8] - Morgan Stanley (MS) and Bank of America (BAC) each rose over 4% after beating third-quarter expectations, while regional banks like Zions Bancorporation (ZION) and Western Alliance Bancorp (WAL) faced significant declines [13] Upcoming Events - The upcoming week will feature the publication of U.S. Consumer Price Index (CPI) and Producer Price Index (PPI) data, which will be closely monitored for insights into the Federal Reserve's monetary policy [6]

Core Market Insights - The U.S. stock market experienced a mostly higher close on October 16, 2025, driven by strong third-quarter earnings and enthusiasm for AI advancements despite concerns over U.S.-China trade conflicts and a government shutdown [1] - The tech-heavy Nasdaq Composite led the gains, closing at 22,670.08, up 0.7%, while the S&P 500 rose 0.4% to 6,671.06, and the Dow Jones Industrial Average fell slightly by 0.04% to 46,253.31 [2] Key Market Drivers and Sectoral Insights - The market's resilience was attributed to better-than-expected earnings from major banks and technology firms, with seven out of eleven S&P 500 sectors ending positively [4] - The Real Estate Select Sector SPDR rose 1.5%, Utilities Select Sector SPDR increased by 1.3%, and Technology Select Sector SPDR gained 1% [4] Company-Specific Performance - Taiwan Semiconductor Manufacturing Co. reported a 39% increase in third-quarter profit and raised its 2025 revenue guidance to mid-30% growth, positively impacting shares of chipmakers like Nvidia and Broadcom [5] - Bank of America reported adjusted earnings of $1.06 per share, exceeding estimates, while Morgan Stanley also posted better-than-expected earnings driven by record dealmaking [6] - Salesforce's stock rose 4% after issuing a long-term sales outlook projecting revenue to exceed $60 billion by 2030 [7] - J.B. Hunt Transport Services saw a significant increase of over 22% in its stock price after reporting earnings of $1.76 per share on revenue of $3.05 billion, surpassing analyst estimates [7] - Walmart shares fell nearly 3% after reaching an all-time high, despite announcing a collaboration with OpenAI [7] - Hewlett Packard Enterprise's stock dropped 8.8% after issuing lower-than-expected fiscal 2026 guidance [7] Upcoming Market Events - The earnings season continues to be a focal point, with several companies scheduled to report earnings after market close on October 16, 2025 [8] - Lionsgate announced it will release its financial results for the fiscal 2026 second quarter on November 6 [8] Economic Indicators - The Philadelphia Fed Index fell to -12.8, missing expectations, while the NAHB/Wells Fargo Housing Market Index was also released [9] - Investors are monitoring comments from Federal Reserve officials, particularly regarding potential rate cuts [9] Geopolitical Context - The ongoing U.S. government shutdown, now in its third week, continues to create uncertainty in the market [10] - Geopolitical tensions, especially concerning U.S.-China trade conflicts, remain significant despite strong corporate earnings [10]