Claim Frequency Curves turn contract and claims data into time-aligned views that show how claim activity develops throughout the life of a contract. Compare patterns across products, dealers, terms, vintages, and other meaningful segments in your data. Use Claim Frequency Curves to: Compare claim frequency across cohorts and segments See when differences in claim activity […]
See how cancellations develop over time instead of relying on a single aggregate rate. Cancellation Curves turn contract and cancellation data into time-aligned views that show how cancellation behavior develops month by month. Compare performance across products, dealers, terms, vintages, channels, or other meaningful segments in your data. Use Cancellation Curves to: Compare cancellation behavior […]
See how loss performance develops over time instead of relying on a single aggregate number. Loss Ratio Curves turn earned premium and claims data into time-aligned curves that show how loss ratios develop month by month. Compare performance across vintages, products, dealers, administrators, or other meaningful segments in your data. Use Loss Ratio Curves to: […]
The most dangerous number in a Confidential Information Memorandum (CIM) is a topline revenue figure that is growing while the underlying customer base is quietly deteriorating. Customer retention is ultimately a proxy for the quality and durability of future cash flows. Businesses that consistently retain customers produce more predictable revenue, require less acquisition spend to […]
Dark Sky Data has launched a customer retention analytics platform built to classify every account in a dataset by lifecycle state and measure whether a customer base is expanding, holding, or quietly deteriorating over time. The platform processes customer-level revenue or unit data directly from Excel or CSV files. It supports monthly and annual analysis, […]
VSC cancellation curves reveal why pricing a Vehicle Service Contract (VSC) is a balancing act. Raise the price too aggressively and cancellations increase. Lower it too much and margin disappears. The real question is not whether price impacts cancellations. It does. The question is: how, when, and under what structure? This is where VSC cancellation […]
Loss ratios sit at the center of every smart underwriting, pricing, and reinsurance decision. Yet most warranty administrators still calculate them with outdated tools, stale data, or earnings curves that haven’t been questioned in a decade. That combination is dangerous—because when your earnings curve is wrong, everything downstream is wrong too. And the truth is […]
If you’ve visited Dark Sky Data lately, you may have noticed a small glowing circle in the bottom-right corner of your screen.Click it — and meet Sirius, your new data analyst. Sirius isn’t here to sell you software or send you to a support queue. He’s here to get you answers. Whether you’re looking at […]
When it’s time to sell your company, everything gets scrutinized. Especially the numbers. For F&I administrators, few metrics carry more weight with buyers than the loss ratio—and yet that number is only as accurate as the earnings curve behind it. If your curve is wrong, your loss ratios are wrong. And if your loss ratios […]
Home Warranty Cancellations: Know What’s Failing—and WhyFlatten Your Home Warranty Cancellation Curve—and Watch Profit Rise Even a small improvement in your home warranty cancellation curve can drive major profit gains. Take a look: reducing cancellations by just 4 points—from 54% to 40%—could add $92,000 in monthly profit for every 1,000 contracts sold, or $1.1 million […]