GooseHead Insurance Inc (GSHD)
NASDAQ:GSHD
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Earnings Data
Report Date
Jul 29, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.51Last Year’s EPS
0.49Same Quarter Last Year
Moderate Buy
Based on 13 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a strong operational and financial quarter with double-digit revenue growth, a meaningful jump in adjusted EBITDA and margin expansion, accelerating new business and enterprise contributions, tangible AI/digital efficiency gains, and active franchise/corporate expansion. Key challenges include NPS pressure from prior price shocks, contingent commission volatility, a deliberate but not yet material revenue contribution from the Digital Agent, some franchise consolidation, and modest liquidity/leverage considerations due to share repurchases. Overall, the positives — durable top-line growth, improving unit economics, meaningful efficiency gains from AI, and scalable distribution advancements — materially outweigh the near-term risks.Company Guidance
Strong Top-Line Growth
Total revenues grew 23% year-over-year to $93.1 million in 1Q26; core revenues grew 15% to $79.5 million.
Robust Profitability and Margin Expansion
Adjusted EBITDA was $24.4 million, up 57% year-over-year, delivering an adjusted EBITDA margin of 26%.
Premium and Policy Growth
Total written premiums were $1.1 billion, up 13% year-over-year; policies in force grew 14% to 2.0 million.
Ancillary Revenue Surge
Ancillary revenues (largely contingent commissions) were $11.9 million, up 141% year-over-year; full-year contingent commission guidance remains 60–85 basis points of total written premiums.
New Business Momentum
New business commissions grew 29% year-over-year (fastest pace in nearly five years); enterprise sales generated >70% new-business growth and contributed ~20% of new business commissions and agency fees.
Digital & AI Efficiency Wins
Digital initiatives advancing: Digital Agent 2.0 live in Texas for multiple auto and homeowners carriers; AI virtual assistant 'Lily' fully resolves ~19% of inbound calls and intelligent routing freed ~40 FTEs for higher-value work.
Franchise and Talent Expansion
Launched 20 new franchise locations in the quarter (12 seeded from corporate offices); the 12 corporate-origin launches produced ~2.5x the average new-franchise production in their second month; average producers per franchise increased to 2.3 from 1.9 (~21% increase YoY); total franchise producers rose to 2,150 (up 3% YoY).
Corporate Footprint Diversification
Opened three corporate offices in Seattle, Washington D.C. area, and Minneapolis (plus Indianapolis in April); more than half of corporate agents are now outside Texas; Texas premium share fell to 37% from 39% last quarter.
Strong Cash Generation and Capital Allocation
Generated $22.9 million of operating cash flow in the quarter; repurchased and retired 985,000 Class A shares for $49.8 million and reduced shares outstanding to below IPO levels; $148 million remains on the current buyback authorization.
Reiterated Full-Year Guidance
Reiterated 2026 guidance: total revenues expected to grow organically 10–19% and total written premiums expected to grow organically 12–20%.
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 |
|---|---|---|---|
Apr 22, 2026 | $45.58 | $50.77 | +11.39% |
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% |
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 Jul 29, 2026, After Close (Confirmed).
What is GooseHead Insurance Inc (GSHD) earnings time?
GooseHead Insurance Inc (GSHD) earnings time is at Jul 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 (Q2) is 0.51.