GSHDMEDIUM SIGNALFINANCIAL10-K

GSHD shows solid operational growth with revenue expanding 16% and operating income up 22%, though substantially higher total liabilities and reduced cash position warrant monitoring.

The company demonstrates healthy underlying business momentum with meaningful improvements in profitability and cash generation from operations. However, the 61% increase in total liabilities alongside a 37% decline in cash reserves suggests either significant debt financing or other balance sheet restructuring that requires closer examination of the underlying drivers.

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

GSHD delivered solid top-line growth of 16% to $365M with operating leverage evident as operating income grew notably to $74M. Operating cash flow strengthened meaningfully to $92M, supporting increased share buybacks of $82M, though the company's liquidity position weakened with cash declining to $34M. The most notable change was total liabilities jumping 61% to $578M while current assets contracted, indicating significant balance sheet restructuring that partially offset the positive operational trends.

FINANCIAL STATEMENT CHANGES
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.

Current Assets
Balance Sheet
-14.1%
$108.6M$93.2M

Current assets declined 14.1% — monitor working capital adequacy and short-term liquidity.

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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