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NASDAQ NMS - GLOBAL MARKET · Insurance · CIK 0001726978
$45.32
-3.59% · delayed ~15 min
Last price from Oct 21, 2026
$1.13B market value
From Goosehead Insurance, Inc.'s FY2025 10-K, filed Feb 19, 2026 · read the filing
It took in $365.3M last year, which makes it a smaller company. Of every dollar it sells, about 8 cents is left as profit.
The financial picture is mixed, with profitability needing attention and debt weaker.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
Recent open-market selling by 4 insiders, not under a pre-arranged plan.
$10.6M sold in the last 120 days · Read the filing
These are things the company filed or that a published model flagged — not predictions, and not a reason on their own to buy or sell anything.
Financial health
Several areas of financial weakness.
From Goosehead Insurance, Inc.'s FY2025 annual filing · share price scored separately
Largest year-over-year changes in FY2025
Revenue
$0.00 → $365.3M
Long-term debt
$82.3M → $289.5M
Dividends paid
$0.00 → $145.8M
Capital spending
$979.0K → $5.7M
Measured against FY2024, from the 10-K filed Feb 19, 2026
Improved: turned positive
$0.00 to $365.3MCritical
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
How the latest move compares (quote delayed ~15 min), and what was published around it
GSHD fell 3.59% on the latest quote. The average Financials company tracked here moved +1.11%, and the S&P 500 −1.04%. That is 4.7 points below its sector and 2.6 points below the market.
No filing from GSHD and no news item about it appeared in the last 3 days.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
Filter by minute, hour, day or week — or compare against peers
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Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
Opinions from 20 analysts covering this company, as of . Their views, not this site's.
Of 20 analysts publishing on this company, 3 say strong buy, 9 say buy, 7 say hold and 1 say sell. Analysts are paid to publish a view and are wrong often; the split above says how much they agree with each other, which is the part a single headline rating hides.
Published by Finnhub. Analyst coverage skews towards larger companies and towards optimism — sell ratings are rare across the whole market, so a company with none is ordinary rather than endorsed.
The essentials
Each answered from the filings, with the numbers behind it.
Yes. It keeps about 8 cents of every dollar of sales as profit, earning $27.8M last year.
Not enough history has been reported to judge growth.
For every $1 it owes, it owns $0.72 in assets. Banks and insurers always carry high debt — that is how lending works — so this is normal for the industry and not comparable with other sectors.
Core operating and valuation reference metrics
Whether the dividend is covered by what the business actually earns
It paid out more than it earned — 524 cents for every dollar of profit. A payment above earnings has to be funded from somewhere else, so it is worth checking whether that can continue. It paid out 159% of the cash its operations generated.
WeakFigures from the FY2025 annual filing
Last year it earned $27.8M and generated $91.8M of cash from operations.
Reported annual figures
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY202510-K · Feb 19, 2026Filing for FY2025 | FY202410-K · Feb 19, 2026Filing for FY2024 | FY202310-K · Feb 19, 2026Filing for FY2023 | FY202210-K · Mar 3, 2025Filing for FY2022 | FY202110-K · Feb 27, 2023Filing for FY2021 | ChangeFY2025 vs FY2024 |
|---|---|---|---|---|---|---|
| RevenueWhat is this? | $365.3M | $0.00 | $0.00 | $209.4M | $151.3M | n/m |
| Selling, general and administrative | $81.4M | $67.1M | $62.1M | $52.9M | $39.8M | +21.3% |
| Operating income | $74.4M | $61.1M | $33.0M | $10.1M | $8.7M | +21.8% |
| Operating marginOperating income ÷ revenueWhat is this? | 20.4% | — | — | 4.8% | 5.7% | — |
| Interest expense | $23.8M | $7.3M | $6.6M | $5.0M | $2.9M | +224.2% |
| Income before tax | $50.8M | $46.7M | $26.4M | $5.1M | $6.0M | +8.9% |
| Net income | $27.8M | $30.4M | $14.1M | $565.0K | $5.4M | −8.5% |
| Net marginNet income ÷ revenueWhat is this? | 7.6% | — | — | 0.3% | 3.6% | — |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $1.11 | $1.23 | $0.5909 | $0.0269 | $0.2817 | −9.7% |
† calculated from other reported figures, such as total liabilities as assets minus equity.
This company's latest filing beside its peers' stored scores
| Company | Health | F-Score | Revenue growth | Profit margin | P/E | Debt to equity |
|---|---|---|---|---|---|---|
| GSHDGoosehead Insurance, Inc. · this page | 4.0/10 | 5/8 | — | 7.6% | 40.67x | -6.05x |
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Officers, directors and major shareholders must report within two business days of a trade.
Bought on the open market — 150,000 shares at $47.32 ($7.1M)
Holds 2,720,260 shares after this filing.
Gifted shares — 100,000 shares
Holds 6,645,180 shares after this filing.
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Quarterly report for Q2 FY2026
Revenue +20.6% · Operating margin +6.8 pts · Operating income +69.8% — against Q2 FY2025
Read the filingHad a director or senior officer leave or join · Published results
Read the filingWrite down why you are following Goosehead Insurance, Inc., what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
Coverage from the last 30 days
Goosehead Insurance (GSHD) Stock Looks Overvalued As Earnings Expectations Stay High
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Goosehead Insurance, Inc. Reschedules Investor Day to March 31, 2027
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Goosehead Insurance, Inc. to Report Third Quarter 2026 Results
Yahoo Finance ·
Goosehead Insurance Stock Is Down 44% In A Year, Is It A Buy Under New Leadership?
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Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from GSHD's 10-K for fiscal year 2025 (period ending 2025-12-31, filed Feb 19, 2026), reported under the US GAAP taxonomy. View the source filing.
2 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Growth and Accounting had too few reported figures and are left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 8 of the 9 Piotroski checks could be evaluated. How the score works
Each year scored only from its annual report as it was first filed
| Fiscal year | Health | F-Score | Scored from |
|---|---|---|---|
| FY2025 | 4.0 | 5/8 | 10-K, filed Feb 19, 2026 |
| FY2024 | 7.3 | 6/8 | 10-K, filed Mar 3, 2025 |
| FY2023 | 6.0 | 7/8 | 10-K, filed Feb 22, 2024 |
| FY2022 | 6.0 | 5/8 | 10-K, filed Feb 27, 2023 |
| FY2021 | 6.0 | 3/7 | 10-K, filed Feb 28, 2022 |
| FY2020 | 6.0 | 6/8 | 10-K, filed Feb 26, 2021 |
A later restatement never reaches back into an earlier year, and every year is scored without a share price, so the latest point can differ a little from the headline score, which uses today's price.
Every check behind the three models, and what each one tests
5 of 8 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. One could not be evaluated and is excluded from the total rather than counted as a failure.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2025 filing as filed with the SEC.
Deteriorated: +251.9%
$82.3M to $289.5MCritical
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
Changed: turned positive
$0.00 to $145.8MCritical
Why it matters: Cash handed to shareholders. A rise can be a higher dividend or simply more shares, and a cut is a decision the company explains in its own filing — neither is rated here.
Changed: +479.3%
$979.0K to $5.7MCritical
Why it matters: Neither good nor bad on its own. Heavy spending is a company building capacity or a company struggling to stand still, and the two look identical in this figure.
Improved: +21.8%
$61.1M to $74.4MSignificant
Why it matters: Profit from running the business, before interest and tax. Less exposed than profit to one-off financing and tax items, so a clearer read on the business itself.
Improved: +22.0%
$70.6M to $86.1MSignificant
Why it matters: Cash left after paying for the plant that produced it — the money genuinely available for dividends, buybacks or paying down debt. Harder to flatter than profit.
Deteriorated: -36.6%
$54.3M to $34.4MSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Deteriorated: -8.5%
$30.4M to $27.8MNotable
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Deteriorated: -9.7%
$1.23 to $1.11Notable
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: +1.3%
24.7M to 25.0MNotable
Why it matters: New shares divide the same company into more pieces, so each existing holding owns slightly less of it. Often pay for staff or an acquisition rather than anything wrong.
Q2 FY2026 against Q2 FY2025, from the 10-Q filed Jul 23, 2026 — read it.
Improved: +69.8%
$15.7M to $26.6MCritical
Why it matters: Profit from running the business, before interest and tax. Less exposed than profit to one-off financing and tax items, so a clearer read on the business itself.
Improved: +95.4%
$5.2M to $10.1MCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +107.8%
$0.20 to $0.42Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -74.4%
$92.4M to $23.7MCritical
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Improved: +20.6%
$94.0M to $113.4MSignificant
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Improved: +6.8 pts
16.7% to 23.5%Significant
Why it matters: What survives each sale after running the business. A falling operating margin beside a steady gross margin points at overheads — wages, marketing, research — rather than pricing.
Improved: +3.4 pts
5.5% to 8.9%Significant
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Improved: -5.9%
25.2M to 23.7MSignificant
Why it matters: The company bought back stock, so each remaining holding owns slightly more of it. Worth checking it was not funded by borrowing.
Deteriorated: +8.5%
$289.8M to $314.4MNotable
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
Q2 FY2026 against Q1 FY2026, from the 10-Q filed Jul 23, 2026 — read it. Quarter-to-quarter moves include seasonal swings — a retailer's holiday quarter — which the year-earlier comparison removes.
Improved: +77.3%
$15.0M to $26.6MCritical
Why it matters: Profit from running the business, before interest and tax. Less exposed than profit to one-off financing and tax items, so a clearer read on the business itself.
Improved: +105.9%
$4.9M to $10.1MCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +110.7%
$0.20 to $0.42Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Improved: +21.8%
$93.1M to $113.4MSignificant
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Improved: +7.3 pts
16.1% to 23.5%Significant
Why it matters: What survives each sale after running the business. A falling operating margin beside a steady gross margin points at overheads — wages, marketing, research — rather than pricing.
Improved: +3.6 pts
5.3% to 8.9%Significant
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Deteriorated: -7.8%
$25.7M to $23.7MNotable
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Improved: -2.3%
24.3M to 23.7MNotable
Why it matters: The company bought back stock, so each remaining holding owns slightly more of it. Worth checking it was not funded by borrowing.
Figures compare the two most recent annual filings — read the latest one. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 10.1% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
The trailing P/E is 40.4x — a high multiple relative to the current trailing profit.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
| BROBROWN & BROWN, INC. | 8.7/10 | 4/8 | 22.8% | 17.9% | 23.75x | 1.39x |
|---|
| ABXAbacus Global Management, Inc. | 7.3/10 | 5/9 | 110.2% | 15.5% | 22.71x | 1.14x |
|---|
| Median of peers | 8.0/10 | — | 66.5% | 16.7% | 23.23x | 1.26x |
|---|
Peers come from the company's industry classification. A difference describes the companies; it does not rank them.
Gifted shares — 100,000 shares
Holds 282,349 shares after this filing.
Gifted shares — 100,000 shares
Holds 182,349 shares after this filing.
Converted a derivative security — 7,000 shares
Holds 273,027 shares after this filing.
Converted a derivative security — 7,000 shares
Holds 7,000 shares after this filing.
Sold on the open market — 7,000 shares at $70.00 ($490.0K)
Holds 0 shares after this filing.
Converted a derivative security — 4,875 shares
Holds 362,822 shares after this filing.
Converted a derivative security — 4,875 shares
Holds 4,875 shares after this filing.
Sold on the open market — 4,875 shares at $67.71 ($330.1K)
Holds 0 shares after this filing.
Converted a derivative security — 4,875 shares
Holds 146,246 shares after this filing.
Converted a derivative security — 4,875 shares
Holds 4,875 shares after this filing.
Sold on the open market — 4,875 shares at $67.71 ($330.1K)
Holds 0 shares after this filing.
Converted a derivative security — 10,000 shares
Holds 352,822 shares after this filing.
Converted a derivative security — 10,000 shares
Holds 10,000 shares after this filing.
Sold on the open market — 3,893 shares at $68.75 ($267.6K)
Holds 6,107 shares after this filing.
Sold on the open market — 1,107 shares at $69.87 ($77.3K)
Holds 5,000 shares after this filing.
Sold on the open market — 5,000 shares at $70.00 ($350.0K)
Holds 0 shares after this filing.
Converted a derivative security — 10,000 shares
Holds 136,246 shares after this filing.
Converted a derivative security — 10,000 shares
Holds 10,000 shares after this filing.
Sold on the open market — 3,893 shares at $68.75 ($267.6K)
Holds 6,107 shares after this filing.
Sold on the open market — 1,107 shares at $69.87 ($77.3K)
Holds 5,000 shares after this filing.
Sold on the open market — 5,000 shares at $70.00 ($350.0K)
Holds 0 shares after this filing.
Gifted shares — 100 shares
Holds 38,751 shares after this filing.
Converted a derivative security — 125 shares
Holds 367,697 shares after this filing.
Converted a derivative security — 125 shares
Holds 125 shares after this filing.
Sold on the open market — 125 shares at $67.50 ($8.4K)
Holds 0 shares after this filing.
Converted a derivative security — 125 shares
Holds 151,121 shares after this filing.
Converted a derivative security — 125 shares
Holds 125 shares after this filing.
Sold on the open market — 125 shares at $67.50 ($8.4K)
Holds 0 shares after this filing.
Converted a derivative security — 100,000 shares
Holds 6,767,661 shares after this filing.
Converted a derivative security — 100,000 shares
Holds 100,000 shares after this filing.
Sold on the open market — 100,000 shares at $65.31 ($6.5M)
Holds 0 shares after this filing.
Converted a derivative security — 22,481 shares
Holds 6,745,180 shares after this filing.
Converted a derivative security — 22,481 shares
Holds 22,481 shares after this filing.
Sold on the open market — 4,967 shares at $65.46 ($325.1K)
Holds 17,514 shares after this filing.
Sold on the open market — 10,956 shares at $66.71 ($730.9K)
Holds 6,558 shares after this filing.
Sold on the open market — 2,682 shares at $67.84 ($181.9K)
Holds 3,876 shares after this filing.
Sold on the open market — 3,876 shares at $68.44 ($265.3K)
Holds 0 shares after this filing.
Notice filed ahead of a planned sale — the sale itself has not necessarily happened yet.
Filed notice to sell 2,000 shares ($136.8K) on or after .
Shares originally obtained via Class A Common Shares received in exchange of Class B Units. The Class B Units were acquired on April 27, 2018..
Filed notice to sell 15,000 shares ($983.3K) on or after .
Shares originally obtained via Class A Common Shares received in exchange of Class B Units. The Class B Units were acquired on April 27, 2018.
Filed notice to sell 15,000 shares ($983.3K) on or after .
Shares originally obtained via Class A Common Shares received in exchange of Class B units. The Class B units were acquired on April 27, 2018.
Filed notice to sell 250,000 shares ($17.4M) on or after .
Shares originally obtained via Class A Common Shares received in exchange of Class B units. The Class B units were acquired on April 27, 2018..
Filed notice to sell 10,000 shares ($650.0K) on or after .
Shares originally obtained via Class A Common Shares received in exchange of Class B Units. The Class B Units were acquired on April 27, 2018..
Filed notice to sell 5,000 shares ($325.0K) on or after .
Shares originally obtained via Class A Common Shares received in exchange of Class B Units. The Class B Units were acquired on April 27,2018.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
Signed a material agreement
Held a shareholder vote
Read the filingQuarterly report for Q1 FY2026
Revenue +23.1% · Operating margin +7.4 pts · Operating income +126.7% — against Q1 FY2025
Read the filingHad a director or senior officer leave or join · Published results · Reported another event
Read the filingHad a director or senior officer leave or join
Read the filingHad a director or senior officer leave or join · Reported another event
Read the filingProxy statement for a shareholder meeting
Read the filingAnnual report for FY2025
Revenue turned positive · Long-term debt +251.9% · Dividends paid turned positive — against FY2024
Read the filingHad a director or senior officer leave or join · Published results · Made a Regulation FD disclosure
Read the filingQuarterly report for Q3 FY2025
Revenue +15.9% · Operating margin +2.5 pts · Long-term debt +242.6% — against Q3 FY2024
Read the filingPublished results
Read the filingHad a director or senior officer leave or join · Made a Regulation FD disclosure
Read the filingQuarterly report for Q2 FY2025
Revenue +20.4% · Operating margin −3.1 pts · Long-term debt +233.0% — against Q2 FY2024
Read the filingPublished results
Read the filingHeld a shareholder vote
Read the filingQuarterly report for Q1 FY2025
Revenue +17.3% · Operating margin +6.5 pts · Operating income +354.6% — against Q1 FY2024
Read the filingPublished results
Read the filingHad a director or senior officer leave or join · Made a Regulation FD disclosure
Read the filingGoosehead Insurance (GSHD) Is Up 8.2% After Strong Q2 Results And CEO Succession Plan
Yahoo Finance ·
Primary sources and further research