10 Best Insurtech for November 2025
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Market Overview & Selection Criteria
The 2025 stock market landscape is shaped by rapid innovation in insurtech, analytics, and digital health. Our selection methodology leverages ValueSense’s proprietary intrinsic value models, quality ratings, and deep-dive financial analysis to identify stocks with strong fundamentals, robust growth prospects, and attractive valuations[1][2]. We focus on companies with solid free cash flow, high return on invested capital (ROIC), and sector leadership, while also considering risk factors and recent performance trends.
Featured Stock Analysis
Verisk Analytics, Inc. (VRSK)
| Metric | Value |
|---|---|
| Market Cap | $30.5B |
| Quality Rating | 7.3 |
| Intrinsic Value | $205.2 |
| 1Y Return | -20.3% |
| Revenue | $3,029.5M |
| Free Cash Flow | $1,115.8M |
| Revenue Growth | 7.3% |
| FCF margin | 36.8% |
| Gross margin | 69.6% |
| ROIC | 30.7% |
| Total Debt to Equity | 1,295.0% |
Investment Thesis
Verisk Analytics is a global leader in data analytics and risk assessment, serving insurance, energy, and financial sectors. With a market cap of $30.5B and a robust quality rating of 7.3, Verisk stands out for its consistent revenue growth 7.3% and exceptional free cash flow margin 36.8%. The company’s intrinsic value is estimated at $205.2, suggesting potential undervaluation relative to its fundamentals. Verisk’s high gross margin 69.6% and outstanding ROIC 30.7% reflect operational efficiency and disciplined capital allocation.
Key Catalysts
- Expansion of analytics solutions in insurance and energy
- Strong recurring revenue from long-term contracts
- Continued focus on high-margin, data-driven services
- Strategic acquisitions to broaden sector reach
Risk Factors
- Elevated total debt to equity 1,295.0% increases financial leverage
- Recent 1-year return of -20.3% may signal market concerns
- Sensitivity to macroeconomic cycles in insurance and energy sectors
Guidewire Software, Inc. (GWRE)
| Metric | Value |
|---|---|
| Market Cap | $19.7B |
| Quality Rating | 7.2 |
| Intrinsic Value | $137.9 |
| 1Y Return | 25.4% |
| Revenue | $1,202.5M |
| Free Cash Flow | $295.1M |
| Revenue Growth | 22.6% |
| FCF margin | 24.5% |
| Gross margin | 62.5% |
| ROIC | 8.0% |
| Total Debt to Equity | 48.4% |
Investment Thesis
Guidewire Software is a leading provider of cloud-based software for the property and casualty insurance industry. With a $19.7B market cap and a quality rating of 7.2, Guidewire’s 22.6% revenue growth and 24.5% free cash flow margin highlight its scalable SaaS model. The company’s intrinsic value is $137.9, and its 1-year return of 25.4% demonstrates strong investor confidence. Guidewire’s gross margin 62.5% and improving ROIC 8.0% support its long-term growth trajectory.
Key Catalysts
- Accelerated adoption of cloud solutions in insurance
- Expansion of digital transformation initiatives
- Strong customer retention and upsell opportunities
- Ongoing product innovation and ecosystem partnerships
Risk Factors
- Moderate total debt to equity 48.4%
- Competitive pressures from legacy and emerging software providers
- Execution risk in scaling cloud migration
Oscar Health, Inc. (OSCR)
| Metric | Value |
|---|---|
| Market Cap | $4,561.5M |
| Quality Rating | 6.1 |
| Intrinsic Value | $26.5 |
| 1Y Return | 7.1% |
| Revenue | $10.7B |
| Free Cash Flow | $1,201.6M |
| Revenue Growth | 48.3% |
| FCF margin | 11.2% |
| Gross margin | 100.0% |
| ROIC | 18.0% |
| Total Debt to Equity | 25.8% |
Investment Thesis
Oscar Health is a technology-driven health insurance company focused on delivering affordable, consumer-centric healthcare. With a $4.56B market cap and a quality rating of 6.1, Oscar boasts impressive revenue growth of 48.3% and a gross margin of 100.0%. Its intrinsic value is $26.5, and a positive 1-year return of 7.1% underscores market optimism. Oscar’s free cash flow of $1.2B and ROIC of 18.0% indicate improving financial health and operational leverage.
Key Catalysts
- Expansion into new healthcare markets and geographies
- Growth in membership and digital health adoption
- Enhanced data analytics for personalized care
- Strategic partnerships with providers and payers
Risk Factors
- Moderate total debt to equity 25.8%
- Regulatory risks in health insurance
- Competitive landscape with established insurers
Lemonade, Inc. (LMND)
| Metric | Value |
|---|---|
| Market Cap | $4,411.9M |
| Quality Rating | 5.4 |
| Intrinsic Value | $21.4 |
| 1Y Return | 152.8% |
| Revenue | $600.7M |
| Free Cash Flow | ($21.4M) |
| Revenue Growth | 27.5% |
| FCF margin | (3.6%) |
| Gross margin | 39.9% |
| ROIC | (38.9%) |
| Total Debt to Equity | 27.3% |
Investment Thesis
Lemonade is a disruptive insurtech company leveraging AI and behavioral economics to transform insurance. With a $4.41B market cap and a quality rating of 5.4, Lemonade’s 27.5% revenue growth and 152.8% 1-year return highlight its rapid expansion and market enthusiasm. The company’s intrinsic value is $21.4, and its innovative digital platform is driving customer acquisition and retention.
Key Catalysts
- Expansion into new insurance verticals (auto, pet, life)
- AI-driven claims processing and customer experience
- Strong brand recognition among younger demographics
- International market entry
Risk Factors
- Negative free cash flow and FCF margin -3.6%
- High ROIC volatility -38.9%
- Execution risk in scaling operations
Sapiens International Corporation N.V. (SPNS)
| Metric | Value |
|---|---|
| Market Cap | $2,406.4M |
| Quality Rating | 6.6 |
| Intrinsic Value | $49.6 |
| 1Y Return | 16.7% |
| Revenue | $549.0M |
| Free Cash Flow | $73.9M |
| Revenue Growth | 3.1% |
| FCF margin | 13.5% |
| Gross margin | 44.3% |
| ROIC | 11.7% |
| Total Debt to Equity | 8.9% |
Investment Thesis
Sapiens International delivers software solutions for the insurance industry, focusing on digital transformation and automation. With a $2.41B market cap and a quality rating of 6.6, Sapiens combines steady revenue growth 3.1% with a healthy free cash flow margin 13.5%. Its intrinsic value is $49.6, and a 1-year return of 16.7% reflects solid performance. Sapiens’ gross margin 44.3% and ROIC 11.7% support its competitive positioning.
Key Catalysts
- Growing demand for digital insurance platforms
- Expansion in Europe and North America
- Strong recurring revenue from software subscriptions
- Strategic acquisitions to enhance product suite
Risk Factors
- Slower revenue growth compared to peers
- Moderate total debt to equity 8.9%
- Currency and geopolitical risks in international markets
Clover Health Investments, Corp. (CLOV)
| Metric | Value |
|---|---|
| Market Cap | $1,796.4M |
| Quality Rating | 4.8 |
| Intrinsic Value | $1.4 |
| 1Y Return | -14.3% |
| Revenue | $1,607.9M |
| Free Cash Flow | ($48.2M) |
| Revenue Growth | 5.8% |
| FCF margin | (3.0%) |
| Gross margin | 23.9% |
| ROIC | (38.0%) |
| Total Debt to Equity | 0.0% |
Investment Thesis
Clover Health is a next-generation Medicare Advantage insurer using data science to improve care outcomes. With a $1.80B market cap and a quality rating of 4.8, Clover’s focus on technology-driven healthcare delivery is notable. The company’s intrinsic value is $1.4, and its 1-year return of -14.3% reflects ongoing challenges. Revenue growth stands at 5.8%, but negative free cash flow and ROIC -38.0% highlight operational headwinds.
Key Catalysts
- Expansion of Medicare Advantage plans
- Enhanced data analytics for cost management
- Partnerships with healthcare providers
Risk Factors
- Negative free cash flow and profitability metrics
- High competition in Medicare Advantage
- Regulatory and reimbursement risks
EverQuote, Inc. (EVER)
| Metric | Value |
|---|---|
| Market Cap | $782.5M |
| Quality Rating | 7.9 |
| Intrinsic Value | $88.2 |
| 1Y Return | 19.8% |
| Revenue | $615.2M |
| Free Cash Flow | $89.9M |
| Revenue Growth | 92.9% |
| FCF margin | 14.6% |
| Gross margin | 96.6% |
| ROIC | 126.6% |
| Total Debt to Equity | 3.0% |
Investment Thesis
EverQuote operates an online insurance marketplace, connecting consumers with providers through data-driven lead generation. With a $782.5M market cap and a standout quality rating of 7.9, EverQuote’s 92.9% revenue growth and 14.6% free cash flow margin are exceptional. Its intrinsic value is $88.2, and a 1-year return of 19.8% signals strong momentum. EverQuote’s gross margin 96.6% and ROIC 126.6% are among the highest in the sector.
Key Catalysts
- Expansion of digital insurance distribution
- Enhanced data analytics and targeting
- Growth in auto, home, and life insurance verticals
- Scalable platform with network effects
Risk Factors
- Small market cap increases volatility
- Dependence on digital advertising trends
- Competitive pressures from larger aggregators
Health In Tech, Inc. (HIT)
| Metric | Value |
|---|---|
| Market Cap | $146.8M |
| Quality Rating | 6.1 |
| Intrinsic Value | $4.4 |
| 1Y Return | -48.0% |
| Revenue | $26.7M |
| Free Cash Flow | $1,311.7K |
| Revenue Growth | 29.7% |
| FCF margin | 4.9% |
| Gross margin | 71.0% |
| ROIC | 14.5% |
| Total Debt to Equity | 1.1% |
Investment Thesis
Health In Tech provides digital solutions for health insurance administration, focusing on automation and efficiency. With a $146.8M market cap and a quality rating of 6.1, Health In Tech’s 29.7% revenue growth and positive free cash flow margin 4.9% highlight its operational progress. The company’s intrinsic value is $4.4, and its gross margin 71.0% supports profitability.
Key Catalysts
- Rising demand for digital health administration
- Expansion into new insurance markets
- Product innovation in claims automation
Risk Factors
- Small market cap and limited scale
- Negative 1-year return -48.0%
- Execution risk in scaling technology
Roadzen, Inc. (RDZN)
| Metric | Value |
|---|---|
| Market Cap | $127.0M |
| Quality Rating | 6.2 |
| Intrinsic Value | $469.9K |
| 1Y Return | 74.5% |
| Revenue | $12.1T |
| Free Cash Flow | ($14.5T) |
| Revenue Growth | 24,150,855.6% |
| FCF margin | (119.8%) |
| Gross margin | 64.6% |
| ROIC | 119,478,393.4% |
| Total Debt to Equity | (85.2%) |
Investment Thesis
Roadzen is an emerging insurtech company with a focus on AI-powered insurance solutions. With a $127.0M market cap and a quality rating of 6.2, Roadzen’s reported revenue and growth metrics are highly volatile, with a 1-year return of 74.5%. The company’s intrinsic value is $469.9K, and its gross margin 64.6% and ROIC are unusually high, reflecting unique business dynamics.
Key Catalysts
- AI-driven insurance product innovation
- Expansion into new geographies
- Strategic partnerships with insurers
Risk Factors
- Extreme volatility in reported financials
- Small market cap and liquidity concerns
- Execution risk in scaling AI solutions
Cheche Group Inc. (CCG)
| Metric | Value |
|---|---|
| Market Cap | $86.3M |
| Quality Rating | 4.5 |
| Intrinsic Value | $13.3 |
| 1Y Return | 34.6% |
| Revenue | CN¥3,182.8M |
| Free Cash Flow | (CN¥8,685.0K) |
| Revenue Growth | (4.4%) |
| FCF margin | (0.3%) |
| Gross margin | 5.0% |
| ROIC | (10.0%) |
| Total Debt to Equity | 38.9% |
Investment Thesis
Cheche Group is a digital insurance platform based in China, offering online distribution and comparison services. With an $86.3M market cap and a quality rating of 4.5, Cheche’s revenue growth is currently negative -4.4%, but its 1-year return of 34.6% suggests renewed investor interest. The company’s intrinsic value is $13.3, and its gross margin 5.0% is modest.
Key Catalysts
- Growth in China’s digital insurance market
- Expansion of product offerings and partnerships
- Increased consumer adoption of online insurance
Risk Factors
- Negative revenue growth and low margins
- Currency and regulatory risks in China
- Competitive pressures from larger platforms
Portfolio Diversification Insights
This collection spans the insurtech, analytics, and digital health sectors, offering exposure to both established leaders (Verisk, Guidewire) and high-growth disruptors (Lemonade, EverQuote, Roadzen). The portfolio balances large-cap stability with small-cap upside, and includes both U.S. and international companies. Sector allocation is weighted toward insurance technology, with select entries in healthtech and analytics, supporting diversification across business models and geographies.
Market Timing & Entry Strategies
Investors may consider phased entry strategies, such as dollar-cost averaging, to manage volatility in these growth-oriented stocks. Monitoring earnings reports, sector news, and macroeconomic indicators can help identify optimal entry points. ValueSense’s intrinsic value tools and backtesting features enable users to validate timing strategies based on historical performance and valuation trends[1][2].
Explore More Investment Opportunities
For investors seeking undervalued companies with high fundamental quality, our analytics team provides curated stock lists:
📌 50 Undervalued Stocks (Best overall value plays for 2025)
📌 50 Undervalued Dividend Stocks (For income-focused investors)
📌 50 Undervalued Growth Stocks (High-growth potential with strong fundamentals)
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FAQ Section
Q1: How were these stocks selected?
Stocks were chosen using ValueSense’s proprietary screening tools, focusing on intrinsic value, quality ratings, growth metrics, and sector relevance. The methodology emphasizes undervalued opportunities with strong fundamentals and clear growth catalysts[1][2].
Q2: What's the best stock from this list?
Each stock offers unique strengths; for example, EverQuote stands out for its exceptional revenue growth and ROIC, while Verisk Analytics provides stability and high free cash flow. The “best” stock depends on individual investment goals and risk tolerance.
Q3: Should I buy all these stocks or diversify?
Diversification across multiple stocks and sectors can help manage risk and capture varied growth opportunities. This collection is designed to offer a balanced mix of established leaders and emerging disruptors.
Q4: What are the biggest risks with these picks?
Risks include market volatility, execution challenges, regulatory changes, and sector-specific headwinds. Small-cap stocks may experience higher price swings, while companies with negative free cash flow or high debt require careful monitoring.
Q5: When is the best time to invest in these stocks?
Optimal timing depends on market conditions, company-specific catalysts, and valuation. Using tools like ValueSense’s intrinsic value calculator and monitoring earnings releases can help inform entry strategies.