GSHDHIGH SIGNALFINANCIAL10-K

GSHD's stockholders equity turned massively negative from $43.9M to -$95.5M while total liabilities surged 61% to $577.7M, indicating severe balance sheet deterioration despite revenue growth.

The dramatic shift to negative stockholders equity of -$95.5M represents a fundamental deterioration in the company's financial position and potential solvency concerns. This balance sheet weakness occurred despite strong operational performance, suggesting aggressive capital allocation decisions or significant one-time charges that warrant immediate investor scrutiny.

Comparing 2026-02-19 vs 2025-03-03View on EDGAR →
FINANCIAL ANALYSIS

While GSHD demonstrated strong operational momentum with revenue growing 16% to $365.3M and operating income rising 22% to $74.4M, the company's financial position deteriorated dramatically with stockholders equity plunging into negative territory at -$95.5M. The company simultaneously increased share buybacks by 29% to $81.7M and saw total liabilities surge 61% to $577.7M, while cash declined 37% to $34.4M. This combination of negative equity, increased debt load, aggressive buybacks, and declining cash creates a concerning financial profile that overshadows the positive operational trends.

FINANCIAL STATEMENT CHANGES
Capital Expenditure
Cash Flow
+479.3%
$979K$5.7M

Capital expenditure jumped 479.3% — major investment cycle underway; assess returns on deployment.

Stockholders Equity
Balance Sheet
-317.6%
$43.9M-$95.5M

Equity declined sharply — large losses, buybacks, or write-downs reducing book value significantly.

Total Liabilities
Balance Sheet
+61.1%
$358.6M$577.7M

Liabilities grew 61.1% — significant increase in debt or obligations, assess impact on financial flexibility.

Cash & Equivalents
Balance Sheet
-36.6%
$54.3M$34.4M

Cash declined 36.6% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Interest Expense
P&L
+31.4%
$5.0M$6.6M

Interest expense surged 31.4% — significant debt increase or rising rates materially impacting earnings.

Share Buybacks
Cash Flow
+29.3%
$63.2M$81.7M

Share repurchases increased 29.3% — management returning capital, signals confidence in intrinsic value.

Operating Cash Flow
Cash Flow
+28.3%
$71.5M$91.8M

Operating cash flow grew 28.3% — strong conversion of earnings to cash, healthy business fundamentals.

Current Liabilities
Balance Sheet
+25.5%
$46.5M$58.3M

Current liabilities rose 25.5% — increased short-term obligations, watch current ratio.

Operating Income
P&L
+21.8%
$61.1M$74.4M

Operating income improving — cost discipline or growing revenue base absorbing fixed costs.

Revenue
P&L
+16.2%
$314.5M$365.3M

Revenue growing 16.2% — solid top-line momentum, watch margins for quality of growth.

LANGUAGE CHANGES
NEW — 2026-02-19
PRIOR — 2025-03-03
ADDED
As of February 11, 2026, there were 24,653,390 shares of Class A common stock outstanding and 11,935,389 shares of Class B common stock outstanding.
Our agents deliver unrivaled choice, transparent advice, and concierge-level service, supported by more than 200 top-tier carrier relationships.
Proprietary technology Not only do we provide our clients choice in product, we also provide them with choice on how they wish to interact with us.
Today, clients have the option to run a quote themselves online or directly with one of our agents - all in a matter of minutes - because of our proprietary quoting technology, and, in some cases, binding technology.
We have spent two decades building what we believe is the most advanced personal lines insurance platform in the industry.
+7 more — sign up free →
REMOVED
As of February 14, 2025, there were 24,709,559 shares of Class A common stock outstanding and 12,593,687 shares of Class B common stock outstanding.
This model has helped drive best-in-class net promoter scores for client service, 4.0x the 2024 P C industry average according to Qualtrics XM Institute.
Proprietary technology Independent agents typically are working on outdated technology platforms, leading to delays in insurance quotes and very limited ability to interact with their client.
We have leveraged our scale to empower our agents and now our clients with technology that allows them to run quotes and place business quickly and accurately.
After signing their documents electronically, clients can engage with Goosehead s industry-leading service team via phone, text, online chat, or email.
+7 more — sign up free →
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