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Goosehead Insurance, Inc

Goosehead Insurance, Inc

NASDAQ•GSHD
CEO: Mr. Mark E. Jones
Sector: Financial Services
Industry: Insurance - Diversified
Listing Date: 2018-04-27
Goosehead Insurance, Inc. operates as a holding company for Goosehead Financial, LLC that engages in the provision of personal lines insurance agency services in the United States. The company offers homeowner's, automotive, dwelling property, flood, wind, earthquake, excess liability or umbrella, motorcycle, recreational vehicle, general liability, property, and life insurance products and services. As of December 31, 2023, it operated 1,415 franchise locations. The company was founded in 2003 and is headquartered in Westlake, Texas.
Contact Information
Building 4, Suite 4500 1500 Solana Boulevard, Westlake, TX, 76262, United States
214-838-5500
www.goosehead.com
Market Cap
$2.61B
P/E (TTM)
57.0
11.6
Dividend Yield
--
52W High
$127.99
52W Low
$64.41
52W Range
7%
Rank41Top 44.9%
4.0
F-Score
Modified Piotroski Analysis
Based on 9-year fundamentals
Average • 4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2017-2025

Financial Dashboard

Q3 2025 Data

Revenue

$90.44M+15.89%
4-Quarter Trend

EPS

$0.31-32.61%
4-Quarter Trend

FCF

$23.73M-4.07%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Total Revenue Increased 18% Nine months Total Revenues reached $260.05M, showing strong 18% growth compared to $220.58M last year.
Core Revenue Grew 14% Quarterly Core Revenue hit $83.9M, a 14% increase, driven by predictable Renewal Commissions and Royalty Fees.
Policies In Force Expanded Policies in Force grew 13% from September 2024, reaching 1.9M active policies as of September 30, 2025.
Written Premium Surged Total Written Premium for nine months increased 18% to $3.36B, reflecting strong underlying placement activity.

Risk Factors

Contingent Revenue Volatility Ancillary Revenue, including Contingent Commissions, remains unpredictable, relying on carrier profitability and external weather events.
Premium Retention Decreased Premium retention fell to 93% from 98% due to moderating premium rate increases impacting year-over-year comparisons.
Variable Interest Rate Debt Term note payable of $299.25M carries variable interest rates tied to SOFR, increasing interest expense risk.
Customer Loyalty Dip Net Promoter Score declined to 81 as of September 30, 2025, compared to 90 last year, signaling loyalty pressure.

Outlook

Debt Structure Refinanced Completed refinancing via 2025 Credit Agreement and Term B-1 Facility, securing $75.0M revolving capacity available.
Share Buyback Program Active New $100M repurchase authorization approved through May 2026; $58.7M spent during the current quarter.
Evaluating New Disclosures Currently evaluating impact of new FASB standards regarding income tax disclosures and internal-use software accounting.
Liquidity Remains Sufficient Expect cash on hand, working capital, and credit facility to cover foreseeable working capital requirements and commitments.

Peer Comparison

Revenue (TTM)

Brighthouse Financial, Inc.BHF
$7.60B
+44.3%
Provident Financial Services, Inc.PFS
$1.23B
+27.7%
Bank of Hawaii CorporationBOH
$1.07B
+5.1%

Gross Margin (Latest Quarter)

Park National CorporationPRK
81.1%
+3.5pp
Bank of Hawaii CorporationBOH
70.5%
+10.6pp
Provident Financial Services, Inc.PFS
60.7%
-34.4pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BHF$3.67B3.817.4%1.3%
BOH$2.82B15.210.7%2.9%
PFS$2.69B12.97.7%10.5%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-1.3%
Flat Growth
4Q Net Income CAGR
-19.0%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 23, 2026
|
EPS:$0.54
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 23, 2025|
    Revenue: $90.44M+15.9%
    |
    EPS: $0.31-32.6%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Jul 24, 2025|
    Revenue: $94.03M+20.4%
    |
    EPS: $0.20-20.0%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: Apr 24, 2025|
    Revenue: $75.58M+17.3%
    |
    EPS: $0.09+28.6%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 3, 2025|
    Revenue: $314.51M+20.4%
    |
    EPS: $1.23+108.5%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Oct 24, 2024|
    Revenue: $78.04M+9.9%
    |
    EPS: $0.46+58.6%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Jul 25, 2024|
    Revenue: $78.09M+12.7%
    |
    EPS: $0.25+66.7%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: Apr 25, 2024|
    Revenue: $64.46M+11.2%
    |
    EPS: $0.07-2100.0%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 22, 2024|
    Revenue: $261.28M+24.8%
    |
    EPS: $0.59+1866.7%
    Beat