Finance & Insurance

Intersecting Data

Sapere supports organisations across all industries to address challenging questions of financial economics and insurance.

Our professionals bring academic rigour and diverse experience of best practices to arbitration, complex commercial litigation, regulation, and policy design.

What we do

We provide independent and objective expert reports and testimonies. Our experts deliver fact-based analysis, practical recommendations, and clarity where matters of finance, incentives, and regulation intersect.

We provide consulting advice and litigation support on financial reporting, financial management, capital markets, cost of capital and valuation.

Our advice melds insights from finance and economics to:

Estimate the weighted average cost of capital (WACC) for commercial, regulatory, and litigation
Undertake event studies
Advise on capital structure
Assess financial metrics
Evaluate the role of insurance markets and policy design
Provide policy analysis of financial and prudential regulation
Design financial derivatives and risk instruments
Critique consumer credit regulation and assist entities to meet regulatory requirements.

Examples of our work in insurance and finance

Systematic risk and the role and measurement of equity beta: a report to the AER consumer reference group
Estimation of the market risk premium and its relationship to the risk-free rate in the context of regulation of electricity and gas networks: a report to AER consumer reference group
The revenue required for an investment grade rating: report to the ACCC
Do better-informed investors always do better? A buyback puzzle
The impact of depositor insurance on depositor behaviour during a crisis: a conjoint analysis approach
Insurance influence on road safety
Open Insurance: The consumer data – right and insurance
Behavioural economics and the regulation of consumer credit

Sapere works regularly across our multi-disciplinary teams to triangulate quantitative and qualitative data sources in order to construct the most robust evidence base possible.

Key contacts

Kieran Murray

Managing Director
AUCKLAND
kmurray@thinkSapere.com

Dr Glenn Boyle

Director
WELLINGTON
gboyle@thinkSapere.com

John Wallace

Director
CANBERRA
jwallace@thinkSapere.com

Some of our recent articles of interest

Staff spotlight – Sue Friend

This month we spotlight Sue Friend, a Managing Director in our Forensics team. Sue shares her love of the outdoors and hiking and finds this brings balance to her work at Sapere.

Thinking about utility customer engagement

In this article Dr Richard Tooth examines developments in how regulated utilities engage with their customers, the problem of uninformed respondent bias and other issues.

Sunset review of the regulations for Victorian private health service establishments

Client: Victorian Department of Health

This report analyses proposed changes to Victoria's Health Service Establishment Regulations, focusing on improving clinical governance, safety, and quality. The RIS reviewed the impact of these changes and provided recommendations.

Staff spotlight – Dr Jamie O’Hare

This month, we spotlight Dr Jamie O'Hare, Managing Economist and proud new dad to baby Stirling, as he shares his professional insights and personal joys.

Distilling success for Victorian spirit exports

Client: Agriculture Victoria

The Australian craft distillery sector has grown significantly, with Victoria now having 188 distilleries. Sapere, commissioned by Agriculture Victoria, identified priority markets and developed market entry strategies for Victorian spirit exporters.

Staff spotlight – Jeremy Thorpe

Sapere welcomes Jeremy Thorpe, our new Director, recently featured in the Australian Financial Review. Kicking off our staff spotlight series, Jeremy generously shared fascinating insights into his career and background.

Unveiling the intrinsic value of nature

Explore the value of nature beyond its aesthetic appeal. Environmental valuation frameworks and techniques allow us to understand the economic value of nature and make informed decisions in environmental policy and management.

How can governments effectively assess and manage climate risk to ensure a sustainable future?

Client: Department of Treasury (Western Australia)

Sapere provided expert advice on the design of a Climate Risk Framework for the WA government, exploring options for a staged approach, and aligning with international standards for climate risk disclosure, to support Western Australia's climate resilience efforts.