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
WELLINGTON
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

The economic benefits of a circular economy in Auckland

Client: Sustainable Business Network

This report provides a view on the potential economic benefits of a more circular economy for Auckland. It has been commissioned by the Sustainable Business Network to inform its report on the circular economy opportunity for Auckland.

The emissions footprint of broadband in New Zealand

Client: Chorus

This paper provides a first assessment of the emissions footprint of the current New Zealand fibre network, with a focus on internet provision to households and small to medium-sized businesses.

Making New Zealand safer: regulating the engineering profession

Client: Ministry of Business, Innovation, and Employment

Sapere prepared a Regulatory Impact Statement (RIS) and cost-benefit analysis (CBA) to support MBIE’s proposal for an occupational regulatory regime for engineers.

Infrastructure consenting for climate targets

Client: Te Waihanga / New Zealand Infrastructure Commission

This research models the impact on New Zealand’s emissions reduction targets if the current resource consenting system continues to delay decisions on infrastructure project consenting.

Māori Primary Health Care

Client: Wai 2575 Claimants

Sapere were asked by the claimants to respond to the Waitangi Tribunal’s recommendation that a methodology be developed to measure the degree of underfunding of Māori PHOs and providers.

Sizing of the backyard and micro-commercial egg production in Australia

Client: Australian Eggs

Which came first the chicken or the egg? We don’t have the answer to that, but we do know the size of backyard and micro-commercial egg production in Australia.

A chance to make clinical trials sustainable, effective, and equitable in Aotearoa New Zealand

Client: Liggins Institute University of Auckland

Sapere provided extensive analytical support to a consortium of researchers from the University of Auckland and the University of Otago on a Health Research Council (HRC) and Ministry of Health funded research project. The consortium was brought together to review Aotearoa New Zealand’s clinical trials activity and infrastructure.