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GooseHead Insurance Inc (GSHD)
NASDAQ:GSHD
Earnings Data
Report Date
Apr 29, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.21Last Year’s EPS
0.26Same Quarter Last Year
Moderate Buy
Based on 11 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a generally favorable picture: strong full-year revenue (+16%) and adjusted EBITDA (+14%), durable growth in written premiums (+17%), accelerating policies in force (+14%), clear productivity gains in the franchise network (gross payments per franchise +29%, same-store sales +19%), meaningful technology progress (Digital Agent 2.0 live in Texas; Lily handling hundreds of thousands of interactions), and strong cash generation (operating cash flow +28%) combined with an active share repurchase program. Offsetting items include near-term margin compression due to deliberate investments in AI, digital binding, and partnerships, some uncertainty in contingent commission levels (guidance 60–85 bps vs. 86 bps in 2025), a trailing decline in NPS tied to prior price increases, and short-term revenue headwinds from franchise consolidation. Overall, highlights materially outweigh lowlights, and management articulated a clear path for growth and margin recovery over time.Company Guidance
Top-Line Revenue Growth
Total revenue for FY2025 was $365.3 million, up 16% year-over-year; Q4 total revenue was $105.3 million, up 12% year-over-year. Core revenues grew 16% for the full year to $317.9 million and 15% in the quarter to $78.2 million.
Strong Premiums and Policies in Force Expansion
Total written premiums for FY2025 were $4.4 billion, up 17% YoY; Q4 written premiums were $1.1 billion, up 13% YoY. Policies in force increased 14% to 1.9 million, accelerating from 13% in Q3.
Profitability and Cash Generation
Adjusted EBITDA for FY2025 was $113.6 million, up 14% YoY and producing a 31% adjusted EBITDA margin. Q4 adjusted EBITDA was $39.2 million, up 5% YoY. Operating cash flow for the year was $91.8 million, up 28% YoY.
Franchise Productivity and Consolidation Benefits
Gross payments per franchise increased 29% YoY. Producers per franchise rose from 1.9 to 2.1 during the year. Producer count increased slightly from 2,092 to 2,113 while operating franchises declined from 1,103 to 1,009, reflecting consolidation into higher-productivity agencies. Same-store sales grew 19% in Q4.
Technology & Digital Distribution Progress
Digital Agent 2.0 (end-to-end choice buying/binding) is live in Texas with multiple auto carriers and active home carrier implementations. The company launched a mobile app and 'Lily' AI phone assistant, which has handled hundreds of thousands of client interactions to date.
Partnerships & Enterprise Sales Momentum
Enterprise sales headcount nearly doubled to 115, and partnership pipeline represents 2.3 million potential clients across mortgage origination, servicing and other financial services. Enterprise channel nearly doubled new business production in 2025.
Capital Allocation and Share Repurchases
Strong buyback activity: $22.5 million repurchased in Q4 (323k shares) and $81.7 million repurchased in FY2025. Board authorized an additional $180 million buyback. Balance sheet: $34.4 million cash and $298.5 million total debt at year-end.
Market Environment & Strategic Positioning
Management cites improving insurance market dynamics (carriers restoring profitability and re-entering growth), positioning Goosehead favorably to win share; reiterated long-term target of operating towards a 'Rule of 60' (combined revenue growth + EBITDA margin > 60%).
GSHD Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
GSHD Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 17, 2026 | $50.63 | $47.38 | -6.42% |
Oct 22, 2025 | $68.65 | $74.20 | +8.08% |
Jul 23, 2025 | $103.43 | $89.03 | -13.93% |
Apr 23, 2025 | $105.90 | $93.19 | -12.00% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does GooseHead Insurance Inc (GSHD) report earnings?
GooseHead Insurance Inc (GSHD) is schdueled to report earning on Apr 29, 2026, After Close (Confirmed).
What is GooseHead Insurance Inc (GSHD) earnings time?
GooseHead Insurance Inc (GSHD) earnings time is at Apr 29, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is GSHD EPS forecast?
GSHD EPS forecast for the fiscal quarter 2026 (Q1) is 0.21.