Moats Pay The Bills, Not The Buzz

Best Kept Secret (Sponsored)

The 5 Best Stocks You Haven’t Heard Of

Your portfolio might be doing fine.

But why stop at fine when you could aim for game-changing gains?

Our analysts have just released a new special report, highlighting 5 stocks with the potential to double. These aren’t random picks.

They were hand-selected because they combine:

• Proven fundamentals with long-term staying power

• Technical strength suggesting momentum is building now

Past reports have pinpointed stocks before huge runs of +175%, +498%, even +673%.¹

This exclusive report is yours free—but only until midnight tonight.

[Click here now to download your copy instantly]

Why settle for average when extraordinary is on the table?

*This free resource is being sent by Zacks. We identify investment resources you may choose to use in making your own decisions. Use of this resource is subject to the Zacks Terms of Service.
*Past performance is no guarantee of future results. Investing involves risk. This material does not constitute investment, legal, accounting, or tax advice. Zacks Investment Research is not a licensed dealer, broker, or investment adviser.

What’s New: Insurance’s Quiet Operating System Gets A Reset

Verisk (NASDAQ: VRSK) is the plumbing behind U.S. P&C insurance. Think forms, rules, loss costs, catastrophe models, fraud tools, claims estimating, the works. Carriers don’t try Verisk, they run on Verisk. 

In 2025, the stock is down ~10% YTD and ~8% over 12 months, trading around $247 with a P/E ~38 and a modest 0.73% dividend. That’s a rich multiple for a soft tape, until you remember the moat.

Fresh catalysts are lining up:

• Leadership upgrade inside the engine room. Long-time operator Saurabh Khemka steps up to president of Underwriting Solutions.
  
  He led “Core Lines Reimagine,” modernizing the core suite (forms, rules, loss costs) and pushing automation and AI into workflows.
  
  His mandate is to digitize end-to-end underwriting and surface deeper, faster insights across lines.
  

• Street leaning constructive after the pullback. New Buy initiation at $280 and a cluster of $300+ targets signal that analysts see upside once the tape stops punishing quality.
  
  Median 6-month target sits ~ $317.
  

• Focus that compounds. After divesting non-insurance assets, Verisk is essentially a single-segment insurance data and software pure-play.
  
  Fewer distractions, tighter capital allocation, cleaner story.

Never Miss Our Top Tech Recommendations Again!

We now send our tech picks via text, too, so you’ll get the same tech breakout news without having to open your inbox.

👉 Click here to get stock picks by text and stay up to speed on the latest tech breakthroughs.

The Setup: Mission-Critical, Regulated, Hard To Dislodge

Here’s the non-glamourous truth: Verisk is a regulated statistical agent and advisory organization.

It aggregates industrywide policies and claims, then turns that privileged data exhaust into pricing baselines and software that carriers embed deep in underwriting and claims.

This is not a rip-and-replace world.

Why that matters:

• Switching is pain. Verisk sits inside rating, filings, and compliance. Pulling it out means regulatory refiles, workflow rebuilds, retraining, and model change risk. CFOs hate that.

• Network effects. More carriers → better industry baselines → stronger catastrophe/claims models → more dependency. That flywheel has run for decades.

• Workflow gravity. Beyond forms and loss costs, Verisk tools run quoting, fraud flags, property/roof data, weather impacts, and CAT event triage. Each add-on makes the next sale easier and the stack stickier.

Even in a slow macro, Verisk’s tax on the insurance economy tends to show up with lagged resilience.

Digital Assets Boom (Sponsored)

How Congress Quietly Sparked a $4 Trillion Breakout in Digital Assets

In July, crypto history was made.

Congress passed the first federal framework for digital assets—and almost overnight, the market surged past $4 trillion.

Here’s why:

✓ Banks now have the green light to offer crypto services.
✓ Wall Street institutions can finally scale in.
✓ The uncertainty holding crypto back is gone.

This is the moment early movers have been waiting for.

Our Crypto Revolution report shows you exactly how to prepare—and it’s 100% free.

You’ll also get $788 in bonus resources when you claim your copy.

The floodgates are open. Don’t wait until the crowd catches on.

[Claim Your Free Copy Today]

© 2025 Boardwalk Flock LLC. All Rights Reserved. 2382 Camino Vida Roble, Suite I Carlsbad, CA 92011, United States

The advice and strategies contained herein may not be suitable for your situation. You should consult with a professional where appropriate. Readers acknowledge that the authors are not engaging in the rendering of legal, financial, medical, or professional advice. The reader agrees that under no circumstances Boardwalk Flock, LLC is responsible for any losses, direct or indirect, which are incurred as a result of the use of the information contained within this, including, but not limited to, errors, omissions, or inaccuracies.

Results may not be typical and may vary from person to person. Making money trading digital currencies takes time and hard work. There are inherent risks involved with investing, including the loss of your investment. Past performance in the market is not indicative of future results. Any investment is at your own risk.

Bull Case: Re-Rate On Prove-It Prints

1. Back to beats and raises. Street models call mid-single-digit revenue and high-single-digit EPS growth.
   
   If Core Lines Reimagine and AI features accelerate adoption, the growth cadence can push high single/low double digits, enough to justify a return to a low-40s multiple.
   

2. Pricing power baked in. When Verisk raises price on mission-critical categories (loss costs, filings, claims tools), carriers grumble and pay.
   
   That’s embedded wallet share, not discretionary IT.
   

3. Underwriting productivity cycle. Personal auto/home remains messy for many carriers.
   
   The fix is better pricing signals, richer property data (roofs, wildfire, flood), and more granular risk selection, all Verisk lanes.
   
   As loss ratios normalize, budgets for what works loosen.
   

4. Capital discipline. Focused core, consistent buybacks/dividends, and tuck-ins that bolt to the workflow stack.
   
   You don’t need heroics, just steady mid-to-high single-digit EPS compounding plus a modest multiple lift.

Stability Plays Now (Sponsored)

Companies That Protect Portfolios While Paying Dividends

Markets are swinging hundreds of points in a single day.

Headlines scream uncertainty. Retail traders are panicking.

But behind the noise, smart investors are quietly positioning in 3 defensive sectors built to thrive when chaos strikes.

These stocks have deep moats, reliable cash flows, and catalysts already in motion.

I’ve compiled the full breakdown—including tickers and buy ranges—into a free special report.

[Claim your free copy now] before access expires.

Bear Case: Premium Price On Slower Growth

• Multiple risk. At ~38x earnings with a sub-1% yield, the market demands clean quarters.
  Any guide trim and you revisit the $240s, or the $230s if the tape is heavy.

• Regulatory/antitrust optics. Being the industry’s statistical agent brings scrutiny. Nothing imminent, but headline risk exists in any conversation about data fees or market power.

• Cat volatility and carrier budgets. While Verisk isn’t claims-exposed, heavy CAT seasons and reserve hits can slow near-term buying cycles or push pilots right.

• Leadership transition. Elevating Khemka is a positive signal, but leadership changes carry execution risk as teams rebalance priorities.

• Competition at the edges. Point solutions (property imagery, aerial/roof scans, specialty fraud AI) can nibble.
  
  The defense is integration and bundled economics; the risk is pricing pressure if point tools get traction.

What changes our mind (Bearish): Two consecutive misses with growth <5% and margin compression, evidence of regulatory pushback on core economics, or material customer churn in top-10 carriers.

Numbers To Know (And Watch)

• Price: ~$247 (52-week: $240–$323)

• Market cap: ~$35B

• P/E: ~38x; Dividend: ~0.73%

• Street lens: Median PT ~$317 (span ~$280–$335).

• Style view: Growth score A / VGM B setups call out a steady compounder profile, not a hyper-growth story.

KPI Watchlist (Trust But Verify):

• Organic constant-currency growth ≥7% for two straight quarters

• Net revenue retention (software/analytics) ≥105%

• Operating margin trend +50–100 bps YoY (mix + pricing)

• New logo adds or cross-sell in top-20 carriers noted on calls

• CAT model and property data attach rates up YoY

How It Re-Rates

• Playbook: Return to beat-and-raise cadence → investors pay for durability again → multiple drifts back toward low-40s as the macro stabilizes.

• Catalysts:

  • Clean quarters with software attach noted in Underwriting Solutions

  • Evidence that Core Lines Reimagine accelerates filings cycle times and usage

  • Property/roof and climate analytics gaining share of wallet

  • Commentary that carrier IT spend is shifting back to efficiency tools vs. remediation firefighting

Positioning & Risk Controls

• Sizing: Core quality, not a moonshot, cap at 3% until growth inflects.

• Time horizon: 12–24 months; this is compounding, not a meme.

• Hedges: If you’re nervous on macro, pair long VRSK with a small short/put in a high-beta insurtech ETF or a cyclical broker to neutralize sector beta.

What Could Go Right

• Underwriting productivity super-cycle. As carriers push automation and file rates faster, Verisk becomes the priority spend, lifting both growth and margins.

• AI inside the stack. Practical wins (fraud catches, faster bind, fewer leakage points) justify seat expansion and price.

• Capital return kicker. Buybacks into weakness plus steady dividend growth support TSR even if the multiple moves sideways.

• M&A tuck-ins. Targeted property/climate/fraud data assets stitched into workflow raise ARPU and deepen the moat.

What The Tape Is Saying

Post-drawdown, the stock is probing support in the mid-$240s. Volume isn’t capitulation-heavy; buyers show up on red days, but no chase.

That’s constructive for a base-and-build setup. what you want is a couple of quiet, boring, convincing quarters.

Trade Plan:

• Buy the base, not the breakout.

• If we get a rally into $270–$280 without a guide lift, expect consolidation; trim a quarter and reload lower.

• If management lifts the FY outlook and underscores margin tailwinds, raise the target band to $300–$320 and let it compound.

Final Word: Get Paid To Be Bored

Verisk isn’t here to thrill you. It’s here to compound with mission-critical data, entrenched workflows, and pricing power that shows up when no one’s looking.

After a rare stumble year and a market that de-rated quality, the entry finally makes sense. You don’t need heroics, just steady execution.

Two clean quarters and this can re-rate back toward $300+ while you clip a small dividend and sleep well.