GSHD Goosehead Insurance, Inc.
FY2025 10-K
Goosehead Insurance, Inc. (GSHD) filed its fiscal year 2025 10-K annual report with the SEC on Feb 19, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
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