VRSK Insider Trading

Insider Ownership Percentage: 0.40%
Insider Buying (Last 12 Months): $0.00
Insider Selling (Last 12 Months): $3,994,261.90

Verisk Analytics Insider Trading History Chart

This chart shows the insider buying and selling history at Verisk Analytics by year and by quarter.

Skip ChartChart Data in Insider Trading History Table

Verisk Analytics Share Price & Price History

Current Price: $271.27
Price Change: Price Increase of +7.62 (2.89%)
As of 10/30/2024 01:03 PM ET

This chart shows the closing price history over time for VRSK up to the past year.

Skip Chart and Table DataPrice Data in Insider Trading History Table
Days: 30 | 90 | 365

Verisk Analytics Insider Trading History

Transaction DateInsider NameTitleBuy/SellNumber of SharesAverage Share PriceTotal TransactionShares Held After TransactionDetails
10/15/2024Elizabeth MannCFOSell200$271.33$54,266.0015,808View SEC Filing Icon  
7/15/2024Elizabeth MannCFOSell200$277.38$55,476.0016,408View SEC Filing Icon  
7/3/2024Kathy Card BecklesInsiderSell326$272.22$88,743.727,470View SEC Filing Icon  
6/17/2024Elizabeth MannCFOSell200$262.31$52,462.0016,608View SEC Filing Icon  
5/13/2024Nicholas DaffanInsiderSell1,511$248.88$376,057.6852,500View SEC Filing Icon  
4/12/2024Nicholas DaffanInsiderSell1,554$222.93$346,433.2251,715View SEC Filing Icon  
3/27/2024David J. GroverCAOSell6,481$233.06$1,510,461.8612,140View SEC Filing Icon  
3/12/2024Nicholas DaffanInsiderSell1,531$236.12$361,499.7250,973View SEC Filing Icon  
3/6/2024Kathy Card BecklesInsiderSell227$237.61$53,937.477,796View SEC Filing Icon  
2/12/2024Nicholas DaffanInsiderSell1,507$249.25$375,619.7550,208View SEC Filing Icon  
1/16/2024Nicholas DaffanInsiderSell25$235.48$5,887.0048,872View SEC Filing Icon  
1/12/2024Nicholas DaffanInsiderSell1,507$235.64$355,109.4848,860View SEC Filing Icon  
12/12/2023Nicholas DaffanInsiderSell1,480$242.10$358,308.0045,561View SEC Filing Icon  
10/12/2023Nicholas DaffanInsiderSell1,516$246.02$372,966.3243,931View SEC Filing Icon  
9/12/2023Nicholas DaffanInsiderSell1,516$244.63$370,859.0843,151View SEC Filing Icon  
8/21/2023Therese M. VaughanDirectorSell6,500$232.45$1,510,925.0020,679View SEC Filing Icon  
8/14/2023Nicholas DaffanInsiderSell1,532$235.12$360,203.8442,371View SEC Filing Icon  
8/8/2023Therese M. VaughanDirectorSell6,129$233.02$1,428,179.5827,179View SEC Filing Icon  
7/12/2023Nicholas DaffanInsiderSell1,564$227.75$356,201.0041,607View SEC Filing Icon  
7/5/2023Kathy Card BecklesInsiderSell396$222.13$87,963.487,066View SEC Filing Icon  
6/12/2023Nicholas DaffanInsiderSell1,561$219.36$342,420.9640,875View SEC Filing Icon  
6/6/2023Samuel G. LissDirectorSell11,589$223.89$2,594,661.2168,310View SEC Filing Icon  
5/25/2023Bruce Edward HansenDirectorSell1,131$217.00$245,427.0012,939View SEC Filing Icon  
5/8/2023Wendy E. LaneDirectorBuy1,037$209.78$217,541.862,057View SEC Filing Icon  
3/20/2023David J. GroverCAOSell4,411$180.65$796,847.1511,815View SEC Filing Icon  
3/15/2023Christopher M. FoskettDirectorSell6,733$180.00$1,211,940.0020,327View SEC Filing Icon  
3/13/2023David B. WrightDirectorSell4,912$182.37$895,801.4414,909View SEC Filing Icon  
1/18/2023Kathy Card BecklesEVPSell107$181.95$19,468.657,462View SEC Filing Icon  
11/30/2022David B. WrightDirectorSell4,000$182.88$731,520.009,710View SEC Filing Icon  
9/9/2022Therese M. VaughanDirectorSell932$192.30$179,223.6013,021View SEC Filing Icon  
8/22/2022Kathy Card BecklesEVPSell429$200.09$85,838.616,102View SEC Filing Icon  
8/15/2022David B. WrightDirectorSell2,071$204.78$424,099.3814,909View SEC Filing Icon  
8/11/2022Samuel G. LissDirectorSell587$202.24$118,714.8867,352View SEC Filing Icon  
8/9/2022Therese M. VaughanDirectorSell629$199.22$125,309.3811,064View SEC Filing Icon  
6/9/2022Samuel G. LissDirectorSell4,039$170.00$686,630.0064,212View SEC Filing Icon  
6/1/2022Lee ShavelCEOSell487$173.42$84,455.5442,479View SEC Filing Icon  
5/26/2022Christopher M. FoskettDirectorSell4,800$173.60$833,280.0025,748View SEC Filing Icon  
5/18/2022Christopher M. FoskettDirectorSell2,888$168.18$485,703.8430,548View SEC Filing Icon  
5/18/2022Scott G. StephensonCEOSell2,144$172.82$370,526.08712,256View SEC Filing Icon  
5/12/2022Scott G. StephensonCEOSell167,187$173.54$29,013,631.98712,256View SEC Filing Icon  
5/2/2022Lee ShavelCFOSell483$203.64$98,358.1239,644View SEC Filing Icon  
4/1/2022Lee ShavelCFOSell483$214.88$103,787.0440,127View SEC Filing Icon  
3/14/2022David B. WrightDirectorSell4,675$184.46$862,350.50View SEC Filing Icon  
2/1/2022Lee ShavelCFOSell483$196.30$94,812.90View SEC Filing Icon  
1/3/2022Lee ShavelCFOSell483$227.66$109,959.78View SEC Filing Icon  
12/20/2021Mark V. AnquillareCOOSell20,480$218.06$4,465,868.80View SEC Filing Icon  
12/10/2021Scott G. StephensonCEOSell57,920$225.71$13,073,123.20View SEC Filing Icon  
12/8/2021Scott G. StephensonCEOSell57,920$226.20$13,101,504.00View SEC Filing Icon  
12/6/2021Scott G. StephensonCEOSell65,660$222.12$14,584,399.20View SEC Filing Icon  
12/1/2021Lee ShavelCFOSell483$226.09$109,201.47View SEC Filing Icon  
11/22/2021Mark V. AnquillareCOOSell20,479$230.37$4,717,747.23View SEC Filing Icon  
11/3/2021Scott G. StephensonCEOSell66,500$211.89$14,090,685.00View SEC Filing Icon  
11/1/2021Lee ShavelCFOSell483$210.30$101,574.90View SEC Filing Icon  
See Full Table

SEC Filings (Institutional Ownership Changes) for Verisk Analytics (NASDAQ:VRSK)

90.00% of Verisk Analytics stock is owned by institutions. Institutional ownership can be a sign of analyst confidence in the fundamentals of the stock.

Institutional Buying and Selling by Quarter

This chart shows the instiutional buying and selling at VRSK by year and by quarter.

Skip Institutional Buying and Selling Chart and Table DataRead Chart Data in Institutional Trading History Table

Verisk Analytics Institutional Trading History

Reporting DateHedge FundShares HeldMarket Value% of PortfolioQuarterly Change in SharesOwnership in CompanyDetails
10/30/2024Martin Investment Management LLC31,732$8.50M2.1%+3.1%0.022%Search for SEC Filing on Google Icon
10/30/2024Gulf International Bank UK Ltd11,449$3.07M0.1%-56.8%0.008%Search for SEC Filing on Google Icon
10/30/2024Catalyst Capital Advisors LLC276$74K0.0%+101.5%0.000%Search for SEC Filing on Google Icon
10/30/2024Mn Services Vermogensbeheer B.V.55,600$14.90M0.1%-2.5%0.039%Search for SEC Filing on Google Icon
10/30/2024Garrison Asset Management LLC11,950$3.20M1.6%-1.6%0.008%Search for SEC Filing on Google Icon
10/30/2024QRG Capital Management Inc.20,084$5.38M0.1%-0.6%0.014%Search for SEC Filing on Google Icon
10/30/2024Asset Management One Co. Ltd.94,987$25.45M0.1%-4.0%0.067%Search for SEC Filing on Google Icon
10/30/2024National Pension Service210,057$56.29M0.1%+19.6%0.147%Search for SEC Filing on Google Icon
10/29/2024Robeco Institutional Asset Management B.V.109,534$29.35M0.1%-2.7%0.077%Search for SEC Filing on Google Icon
10/29/2024Fort L.P.941$0.25M0.6%-5.5%0.001%Search for SEC Filing on Google Icon
10/29/2024Nvwm LLC6,086$1.63M0.4%+1.3%0.004%Search for SEC Filing on Google Icon
10/29/2024Angeles Wealth Management LLC858$0.23M0.0%-7.2%0.001%Search for SEC Filing on Google Icon
10/29/2024Janney Montgomery Scott LLC107,344$28.76M0.1%-1.6%0.075%Search for SEC Filing on Google Icon
10/29/2024Silvant Capital Management LLC25,323$6.79M0.3%-2.3%0.018%Search for SEC Filing on Google Icon
10/29/2024Chicago Partners Investment Group LLC1,596$0.43M0.0%-4.7%0.001%Search for SEC Filing on Google Icon
10/29/2024Farther Finance Advisors LLC1,766$0.47M0.0%+11.0%0.001%Search for SEC Filing on Google Icon
10/28/2024Conestoga Capital Advisors LLC5,365$1.44M0.0%-6.9%0.004%Search for SEC Filing on Google Icon
10/28/2024New York State Common Retirement Fund115,180$30.86M0.0%-13.5%0.081%Search for SEC Filing on Google Icon
10/28/2024Creative Financial Designs Inc. ADV330$88K0.0%-41.6%0.000%Search for SEC Filing on Google Icon
10/28/2024Norris Perne & French LLP MI60,763$16.28M1.1%-14.1%0.043%Search for SEC Filing on Google Icon
10/28/2024Stephens Investment Management Group LLC326,143$87.39M1.2%+2.0%0.229%Search for SEC Filing on Google Icon
10/28/2024Oak Ridge Investments LLC39,066$10.47M0.9%+6.4%0.027%Search for SEC Filing on Google Icon
10/28/2024AustralianSuper Pty Ltd2,607$0.70M0.0%+95.3%0.002%Search for SEC Filing on Google Icon
10/28/2024US Bancorp DE42,976$11.52M0.0%-4.4%0.030%Search for SEC Filing on Google Icon
10/25/2024Financial Advocates Investment Management1,659$0.44M0.0%+5.9%0.001%Search for SEC Filing on Google Icon
10/25/2024First Trust Direct Indexing L.P.5,273$1.41M0.1%+3.0%0.004%Search for SEC Filing on Google Icon
10/25/2024WASHINGTON TRUST Co77,999$20.90M0.7%-2.6%0.055%Search for SEC Filing on Google Icon
10/25/2024New York State Teachers Retirement System107,938$28.92M0.1%-5.9%0.076%Search for SEC Filing on Google Icon
10/25/2024Fidelis Capital Partners LLC1,582$0.42M0.0%-4.3%0.001%Search for SEC Filing on Google Icon
10/25/2024China Universal Asset Management Co. Ltd.1,807$0.48M0.1%+110.6%0.001%Search for SEC Filing on Google Icon
10/25/2024abrdn plc57,130$15.23M0.0%-23.2%0.040%Search for SEC Filing on Google Icon
10/24/2024Nisa Investment Advisors LLC11,448$3.07M0.0%-41.2%0.008%Search for SEC Filing on Google Icon
10/24/2024Cavalier Investments LLC12,562$3.37M1.0%+6.4%0.009%Search for SEC Filing on Google Icon
10/24/2024Custom Index Systems LLC1,465$0.39M0.2%-19.6%0.001%Search for SEC Filing on Google Icon
10/24/2024SRN Advisors LLC5,619$1.51M1.3%-4.0%0.004%Search for SEC Filing on Google Icon
10/24/2024State of Alaska Department of Revenue19,881$5.33M0.1%-12.2%0.014%Search for SEC Filing on Google Icon
10/24/2024DekaBank Deutsche Girozentrale93,492$24.59M0.0%-13.2%0.066%Search for SEC Filing on Google Icon
10/24/2024Wealth Enhancement Advisory Services LLC17,103$4.58M0.0%+18.5%0.012%Search for SEC Filing on Google Icon
10/24/2024NorthCrest Asset Manangement LLC5,990$1.61M0.0%-1.3%0.004%Search for SEC Filing on Google Icon
10/24/2024Forsta AP Fonden45,900$12.30M0.1%+9.3%0.032%Search for SEC Filing on Google Icon
10/23/2024Mirae Asset Global Investments Co. Ltd.35,929$9.49M0.0%+18.3%0.025%Search for SEC Filing on Google Icon
10/23/2024Middleton & Co. Inc. MA48,813$13.08M1.4%-1.4%0.034%Search for SEC Filing on Google Icon
10/23/2024Louisiana State Employees Retirement System18,900$5.06M0.1%-2.6%0.013%Search for SEC Filing on Google Icon
10/23/2024Outlook Wealth Advisors LLC1,422$0.38M0.1%+3.3%0.001%Search for SEC Filing on Google Icon
10/23/2024Allworth Financial LP1,515$0.41M0.0%-6.8%0.001%Search for SEC Filing on Google Icon
10/23/2024Mediolanum International Funds Ltd39,066$10.31M0.1%-2.7%0.027%Search for SEC Filing on Google Icon
10/23/2024Ballentine Partners LLC7,972$2.14M0.0%-7.4%0.006%Search for SEC Filing on Google Icon
10/23/2024E. Ohman J or Asset Management AB5,673$1.52M0.0%-9.6%0.004%Search for SEC Filing on Google Icon
10/23/2024Dakota Wealth Management2,247$0.60M0.0%-3.1%0.002%Search for SEC Filing on Google Icon
10/23/2024Values First Advisors Inc.508$0.14M0.1%N/A0.000%Search for SEC Filing on Google Icon
10/23/2024Assenagon Asset Management S.A.70,202$18.81M0.0%-13.5%0.049%Search for SEC Filing on Google Icon
10/23/2024IFM Investors Pty Ltd30,740$8.24M0.1%-1.6%0.022%Search for SEC Filing on Google Icon
10/23/2024Harvey Investment Co. LLC137,645$36.88M4.2%-1.0%0.096%Search for SEC Filing on Google Icon
10/22/2024International Assets Investment Management LLC31,083$8.33M0.0%+26,695.7%0.022%Search for SEC Filing on Google Icon
10/22/2024Hartford Investment Management Co.8,918$2.39M0.1%-2.2%0.006%Search for SEC Filing on Google Icon
10/22/2024Greenleaf Trust9,809$2.63M0.0%-6.1%0.007%Search for SEC Filing on Google Icon
10/22/2024Commerzbank Aktiengesellschaft FI1,261$0.34M0.0%+22.3%0.001%Search for SEC Filing on Google Icon
10/22/2024Elevated Capital Advisors LLC3,887$1.04M0.3%-7.1%0.003%Search for SEC Filing on Google Icon
10/22/2024Lecap Asset Management Ltd.16,943$4.54M1.0%N/A0.012%Search for SEC Filing on Google Icon
10/22/2024GAM Holding AG17,949$4.81M0.4%+4.5%0.013%Search for SEC Filing on Google Icon
10/22/2024Private Advisor Group LLC3,221$0.86M0.0%+17.5%0.002%Search for SEC Filing on Google Icon
10/22/2024Eastern Bank52,650$14.11M0.3%N/A0.037%Search for SEC Filing on Google Icon
10/22/2024Signaturefd LLC2,586$0.69M0.0%+1.5%0.002%Search for SEC Filing on Google Icon
10/22/2024Sequoia Financial Advisors LLC1,872$0.50M0.0%+7.7%0.001%Search for SEC Filing on Google Icon
10/21/2024Sky Investment Group LLC1,695$0.45M0.1%-2.9%0.001%Search for SEC Filing on Google Icon
10/21/2024Community Financial Services Group LLC13,409$3.59M0.7%+3.1%0.009%Search for SEC Filing on Google Icon
10/21/2024Whittier Trust Co. of Nevada Inc.1,648$0.44M0.0%+8.4%0.001%Search for SEC Filing on Google Icon
10/21/2024Whittier Trust Co.4,241$1.14M0.0%+1.4%0.003%Search for SEC Filing on Google Icon
10/21/2024Carolina Wealth Advisors LLC188$50K0.0%N/A0.000%Search for SEC Filing on Google Icon
10/21/2024Crew Capital Management Ltd.814$0.22M0.2%N/A0.001%Search for SEC Filing on Google Icon
10/19/2024Allspring Global Investments Holdings LLC6,977$1.87M0.0%-3.5%0.005%Search for SEC Filing on Google Icon
10/19/2024Stegent Equity Advisors Inc.1,870$0.50M0.6%-50.9%0.001%Search for SEC Filing on Google Icon
10/19/2024DMC Group LLC2,624$0.70M0.6%+6.8%0.002%Search for SEC Filing on Google Icon
10/19/2024New Century Financial Group LLC2,580$0.69M0.3%-2.4%0.002%Search for SEC Filing on Google Icon
10/18/2024Raymond James & Associates385,195$103.22M0.1%+1.9%0.270%Search for SEC Filing on Google Icon
10/18/2024Blue Trust Inc.2,006$0.54M0.0%+144.3%0.001%Search for SEC Filing on Google Icon
10/18/2024Net Worth Advisory Group1,152$0.31M0.1%N/A0.001%Search for SEC Filing on Google Icon
10/17/2024V Square Quantitative Management LLC1,485$0.40M0.1%+3.6%0.001%Search for SEC Filing on Google Icon
10/17/2024Sumitomo Mitsui DS Asset Management Company Ltd15,482$4.15M0.0%+10.8%0.011%Search for SEC Filing on Google Icon
10/16/2024Marshall Financial Group LLC4,932$1.32M0.3%+0.8%0.003%Search for SEC Filing on Google Icon
10/16/2024Bleakley Financial Group LLC4,083$1.09M0.0%+3.6%0.003%Search for SEC Filing on Google Icon
10/16/2024Hengehold Capital Management LLC1,358$0.36M0.0%+5.1%0.001%Search for SEC Filing on Google Icon
10/16/2024IQ EQ FUND MANAGEMENT IRELAND Ltd8,574$2.30M0.2%-1.3%0.006%Search for SEC Filing on Google Icon
10/16/2024Vontobel Holding Ltd.67,215$18.01M0.1%-0.1%0.047%Search for SEC Filing on Google Icon
10/16/2024Verum Partners LLC2,221$0.60M0.2%-10.8%0.002%Search for SEC Filing on Google Icon
10/15/2024Hutchens & Kramer Investment Management Group LLC1,387$0.37M0.2%+11.0%0.001%Search for SEC Filing on Google Icon
10/11/2024Creative Planning17,343$4.65M0.0%+2.0%0.012%Search for SEC Filing on Google Icon
10/11/2024Procyon Advisors LLC1,543$0.41M0.0%+4.0%0.001%Search for SEC Filing on Google Icon
10/10/2024Webster Bank N. A.162$43K0.0%-22.1%0.000%Search for SEC Filing on Google Icon
10/10/2024Douglas Lane & Associates LLC4,746$1.27M0.0%-5.3%0.003%Search for SEC Filing on Google Icon
10/10/2024Koshinski Asset Management Inc.4,456$1.19M0.1%-3.3%0.003%Search for SEC Filing on Google Icon
10/10/2024Crestmont Private Wealth LLC1,656$0.44M0.2%+6.3%0.001%Search for SEC Filing on Google Icon
10/10/2024Exchange Traded Concepts LLC13,805$3.70M0.1%+33.9%0.010%Search for SEC Filing on Google Icon
10/10/2024Inspire Investing LLC13,782$3.69M0.4%-1.1%0.010%Search for SEC Filing on Google Icon
10/10/2024Ritholtz Wealth Management4,204$1.13M0.0%-28.9%0.003%Search for SEC Filing on Google Icon
10/10/2024Gateway Investment Advisers LLC5,109$1.37M0.0%+0.8%0.004%Search for SEC Filing on Google Icon
10/10/2024Simplicity Wealth LLC1,725$0.46M0.0%-68.3%0.001%Search for SEC Filing on Google Icon
10/10/2024Livforsakringsbolaget Skandia Omsesidigt985$0.26M0.0%+174.4%0.001%Search for SEC Filing on Google Icon
10/9/2024Clarius Group LLC930$0.25M0.0%-4.2%0.001%Search for SEC Filing on Google Icon
10/9/2024Tobam291$78K0.0%-36.5%0.000%Search for SEC Filing on Google Icon
Data available starting January 2016

See Full Table
Verisk Analytics logo
Verisk Analytics, Inc. provides data analytics and technology solutions to the insurance markets in the United States and internationally. It offers policy language, prospective loss costs, policy writing and rating rules, and various underwriting solutions for risk selection and segmentation, pricing, and workflow optimization; property- and auto- specific rating and underwriting information solutions that allows clients to understand, quantify, underwrite, mitigate, and avoid potential loss for risks; catastrophe modeling solutions, which enables companies to identify, quantify, and plan for the financial consequences of catastrophes for use by insurers, reinsurers, intermediaries, financial institutions, and governments. The company also provides life insurance solutions for transforming current workflows in life insurance underwriting, claim insights, policy administration, unclaimed property/equity, compliance and fraud detection, and actuarial and portfolio modeling; Marketing Solutions, such as compliant, real-time decisioning, profitability, and risk assessment for inbound consumer interactions; and international underwriting and claims solutions. In addition, it offers claims insurance solutions, which provides analytics in fraud detection, compliance reporting, subrogation liability assessment, litigation, and repair cost estimation and valuation solutions; and casualty solutions, such as compliance, casualty claims decision support, and workflow automation solutions. Further, the company supplies software to the specialty insurance market. The company was founded in 1971 and is headquartered in Jersey City, New Jersey.
Read More on Verisk Analytics

Today's Range

Now: $271.27
Low: $270.01
High: $280.00

50 Day Range

MA: $268.70
Low: $262.86
High: $277.06

52 Week Range

Now: $271.27
Low: $215.32
High: $287.13

Volume

230,449 shs

Average Volume

791,337 shs

Market Capitalization

$38.70 billion

P/E Ratio

44.04

Dividend Yield

0.59%

Beta

0.86

Who are the company insiders with the largest holdings of Verisk Analytics?

Verisk Analytics' top insider investors include:
  1. Samuel G Liss (Director)
  2. Nicholas Daffan (Insider)
  3. Therese M Vaughan (Director)
  4. Christopher M Foskett (Director)
  5. Elizabeth Mann (CFO)
  6. David B Wright (Director)
  7. Bruce Edward Hansen (Director)
  8. David J Grover (CAO)
  9. Kathy Card Beckles (Insider)
  10. Kathy Card Beckles (EVP)
  11. Wendy E Lane (Director)
Learn More about top insider investors at Verisk Analytics.

Who are the major institutional investors of Verisk Analytics?

Verisk Analytics' top institutional shareholders include:
  1. Raymond James & Associates — 0.27%
  2. Stephens Investment Management Group LLC — 0.23%
  3. National Pension Service — 0.15%
  4. Mountain Pacific Investment Advisers LLC — 0.12%
  5. Harvey Investment Co. LLC — 0.10%
  6. New York State Common Retirement Fund — 0.08%
Learn More about top institutional investors of Verisk Analytics stock.

Which major investors are selling Verisk Analytics stock?

In the last quarter, VRSK stock was sold by these institutional investors:
  1. SG Americas Securities LLC
  2. CWM LLC
  3. New York State Common Retirement Fund
  4. abrdn plc
  5. Gulf International Bank UK Ltd
  6. DekaBank Deutsche Girozentrale
  7. Assenagon Asset Management S.A.
  8. Norris Perne & French LLP MI
During the last year, company insiders that have sold Verisk Analytics company stock include:
  1. Samuel G Liss (Director)
  2. Nicholas Daffan (Insider)
  3. Therese M Vaughan (Director)
  4. Christopher M Foskett (Director)
Learn More investors selling Verisk Analytics stock.

Which major investors are buying Verisk Analytics stock?

During the previous quarter, VRSK stock was bought by institutional investors including:
  1. Eastern Bank
  2. National Pension Service
  3. International Assets Investment Management LLC
  4. Lecap Asset Management Ltd.
  5. Raymond James & Associates
  6. Stephens Investment Management Group LLC
  7. Mirae Asset Global Investments Co. Ltd.
  8. USA Financial Formulas