Goosehead Insurance, Inc. functions as the parent entity for Goosehead Financial, LLC, an enterprise dedicated to delivering personal lines insurance brokerage services ...
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Est. EPS $0.53 · Revenue $106.72M · 9 analysts
Est. EPS $0.62 · Revenue $114.56M · 8 analysts
Est. EPS $2.14 · Revenue $427.15M · 8 analysts
Est. EPS $0.37 · Revenue $104.41M · 3 analysts
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $365.3M | +16.2% | +21.8% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $27.8M | -8.5% | +105.9% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +46.2% | +2.7% | -40.5% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +20.4% | +4.8% | +100.9% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +7.6% | -21.2% | +69.0% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $86.1M | +22.0% | -32.0% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +23.6% | +5.0% | -44.2% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | -368.9% | -205.5% | -7.1% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 7.60x | +21.4% | -74.6% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $414.9M | +4.3% | +3.6% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 1.04 vs 1.77 | -41.3% | 0.41 vs 0.53 | -22.7% |
| Revenue Surprise | $365.3M vs $359.4M | +1.6% | $113.4M vs $106.7M | +6.3% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 27, 2026 | Jones Mark Evan | director, 10 percent owner, officer, other: Executive Chairman | Class B Common Stock | A | 100,000 | — |
| Aug 27, 2026 | Jones Mark Evan | director, 10 percent owner, officer, other: Executive Chairman | LLC Units in Goosehead Financial, LLC | A | 100,000 | — |
| Aug 27, 2026 | Jones Mark Evan | director, 10 percent owner, officer, other: Executive Chairman | Class B Common Stock | D | 100,000 | — |
| Aug 27, 2026 | Jones Mark Evan | director, 10 percent owner, officer, other: Executive Chairman | LLC Units in Goosehead Financial, LLC | D | 100,000 | — |
| Aug 27, 2026 | Mark & Robyn Jones Descendants Trust 2014 | 10 percent owner, other: Member of 10% owner group | LLC Units in Goosehead Financial, LLC | D | 100,000 | — |
Operator: Good day, and thank you for standing by. Welcome to the Goosehead Insurance second quarter 2026 earnings conference call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 1 on your telephone. You will then hear an automated message advising that your hand is raised. To withdraw your question, please press star 1 again. Please be advised that today's conference is being recorded. I would now like to turn the conference over to your speaker for today, Maddie Middleton, Senior Director of Investor Relations. Please go ahead. Maddie Middleton: Thank you, and good afternoon. Before we begin our formal remarks, I need to remind everyone that part of our discussion today may include forward-looking statements which are based on expectations, estimates, and projections of management as of today. Forward-looking statements in our discussions are subject to various assumptions, risks and uncertainties that are difficult to predict and which could cause actual results to differ materially from those expressed or implied in the forward-looking statements. These statements are not guarantees of future performance, and therefore, reliance should not be placed on them. We refer you all to our recent SEC filings for a more detailed discussion of risks and uncertainties that could impact future operating results and financial condition of Goosehead. We disclaim any intention or obligation to update or revise any forward-looking statements except to the extent required by applicable law I would also like to point out that during this call, we will discuss certain financial measures that are not prepared in accordance with GAAP. Management uses these non GAAP financial measures in planning, monitoring, and evaluating our performance. We consider these non GAAP financial measures to be useful metrics for management and investors to facilitate operating performance comparisons from period to period. By including potential differences caused by variations in capital structure, tax position, depreciation, amortization, and certain other items that we believe are not representative of our core business For more information regarding the use of non GAAP financial including reconciliations of these measures, to the most recent comparable GAAP financial measures, we refer you to today's earnings release. In addition, this call is being webcast, and an archived version will be made available shortly after the call ends on the Investor Relations portion of the company's website at goosehead.com. Now I would like to turn the call over to our CEO, Mark Miller. Mark K. Miller: Thanks, Maddie, and good afternoon, everyone. Thank you for joining us today for our second quarter 2026 earnings call. Before I walk through the quarter, I want to start with a little perspective. 4 years ago when I joined the management …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Mark K. Miller | CEO & Director | USD 1,167,872 | Male | 1966 | Active |
Mark E. Jones | Co-Founder & Executive Chairman | USD 841,198 | Male | 1962 | Active |
John A. Martin | Chief Financial Officer | USD 532,344 | Male | — | Active |
John O'Connor | Consultant | USD 526,412 | Male | 1980 | Active |
Martin Thornthwaite | General Counsel & Corporate Secretary | USD 526,412 | Male | — | Active |
Maddie Middleton | Senior Director of Investor Relations | — | Female | — | Active |
Angela J. Kervin | Chief Human Resources Officer | — | Female | 1976 | Active |
Eben Hewitt | Chief Technology Officer | — | Male | — | Active |
Brian Pattillo | Executive Vice President | — | Male | — | Active |
Robyn Mary Elizabeth Jones | Co-Founder & Vice Chairman | — | Female | 1963 | Active |
The director acquired 1,600 shares at $63.14 per share, representing a total capital commitment of ~$101,000 on July 31, 2026. This transaction established a new direct equity position of 1,600 shares for the insider.
Peter R. Lane's $101,000 purchase comes after a 32% stock decline, signaling insider confidence in the insurance brokerage's recovery potential.
Goosehead Insurance (GSHD) delivered 20% year-over-year revenue growth in Q2 2026, with $113.4 million in revenues and 86% client retention. GSHD's dual distribution model leverages a growing franchise network and technology platforms, supporting scalable premium growth with limited capital intensity. The company trades at a forward P/E of 36.7x, reflecting high growth expectations but exposing investors to valuation risk if growth or retention falters.
Goosehead Insurance posted strong Q2 results, with revenue up 21% and adjusted EBITDA up 30%, but shares remain pressured by AI disintermediation fears. GSHD's core revenue growth lags premium growth, reflecting ongoing pricing pressure and competition from direct insurance purchasing models. Client retention improved to 86%, aided by slowing premium inflation and AI customer service tool Lily now handling 20% of calls.
Goosehead Insurance, Inc. (GSHD) Q2 2026 Earnings Call Transcript
