Goosehead Insurance, Inc. (GSHD) FY2025 10-K Annual Report
Goosehead Insurance, Inc. (GSHD) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 19, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Goosehead Insurance, Inc. FY2025 10-K Analysis
Business Overview
- • Core business: Independent insurance agency distributing personal lines via proprietary tech platform and agent-franchise network
- • New emphasis: Expanded Digital Agent platform enabling self-quotes and limited binding from 100+ carriers, leveraging 20+ years of data
Management Discussion & Analysis
- • Revenue $365.3M in 2025, up 16% from $314.5M in 2024
- • Operating margin 20.4% ($74.4M income from operations/$365.3M revenue) in 2025 vs 19.4% ($61.1M/$314.5M) in 2024
Risk Factors
- • Regulatory risk: Credit Agreement limits distributions from Goosehead Financial, LLC, restricting dividend payments and cash flow availability
- • Financial risk: Holding company structure depends on Goosehead Financial, LLC distributions, which may be legally or contractually restricted
Goosehead Insurance, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$365M
▲ +16.2% YoY
Net Income
$28M
▼ -8.5% YoY
Operating Margin
20.4%
▲ +94bp YoY
Net Margin
7.6%
▼ -206bp YoY
ROE
-29.1%
▼ -9847bp YoY
Total Assets
$415M
▲ +4.3% YoY
EPS (Diluted)
$1.04
▼ -10.3% YoY
Operating Cash Flow
$92M
▲ +28.3% YoY
Source: XBRL data from Goosehead Insurance, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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