Goosehead Insura Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Goosehead Insura has an operating margin of 19.4%, meaning the company retains $19 of operating profit per $100 of revenue. This strong profitability earns a score of 97/100, reflecting efficient cost management and pricing power. This is up from 12.6% the prior year.
Goosehead Insura's revenue surged 20.4% year-over-year to $314.5M, reflecting rapid business expansion. This strong growth earns a score of 87/100.
Goosehead Insura has a moderate D/E ratio of 1.87. This balance of debt and equity financing earns a leverage score of 42/100.
With a current ratio of 2.34, Goosehead Insura holds $2.34 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 73/100.
Goosehead Insura converts 22.4% of revenue into free cash flow ($70.6M). This strong cash generation earns a score of 100/100.
Goosehead Insura earns a strong 69.3% return on equity (ROE), meaning it generates $69 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 100/100. This is up from 50.6% the prior year.
Goosehead Insura scores 3.46, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($1.2B) relative to total liabilities ($358.6M). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Goosehead Insura passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Goosehead Insura generates $2.35 in operating cash flow ($71.5M OCF vs $30.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Goosehead Insura earns $8.3 in operating income for every $1 of interest expense ($61.1M vs $7.3M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
This page shows Goosehead Insura (GSHD) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Goosehead Insura generated $314.5M in revenue in fiscal year 2024. This represents an increase of 20.4% from the prior year.
Goosehead Insura's EBITDA was $72.1M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 69.9% from the prior year.
Goosehead Insura generated $70.6M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 52.1% from the prior year.
Goosehead Insura reported $30.4M in net income in fiscal year 2024. This represents an increase of 115.2% from the prior year.
Goosehead Insura earned $1.16 per diluted share (EPS) in fiscal year 2024. This represents an increase of 110.9% from the prior year.
Goosehead Insura held $54.3M in cash against $82.3M in long-term debt as of fiscal year 2024.
Goosehead Insura's operating margin was 19.4% in fiscal year 2024, reflecting core business profitability. This is up 6.8 percentage points from the prior year.
Goosehead Insura's net profit margin was 9.7% in fiscal year 2024, showing the share of revenue converted to profit. This is up 4.3 percentage points from the prior year.
Goosehead Insura's ROE was 69.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 18.8 percentage points from the prior year.
Goosehead Insura spent $63.2M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
Goosehead Insura invested $979K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 78.0% from the prior year.
GSHD Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $90.4M-3.8% | $94.0M+24.4% | $75.6M-19.5% | $93.9M+20.3% | $78.1M+21.1% | $64.5M+2.3% | $63.0M-11.3% | $71.0M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $17.1M-30.6% | $24.6M+40.4% | $17.6M-1.5% | $17.8M+5.8% | $16.9M-1.9% | $17.2M+21.9% | $14.1M-5.0% | $14.8M |
| Operating Income | $21.3M+35.9% | $15.7M+136.8% | $6.6M-76.3% | $27.9M+80.9% | $15.4M+958.2% | $1.5M-78.2% | $6.7M-50.9% | $13.6M |
| Interest Expense | $6.0M-5.2% | $6.3M+8.2% | $5.8M+221.7% | $1.8M-8.7% | $2.0M+33.3% | $1.5M-1.6% | $1.5M-6.6% | $1.6M |
| Income Tax | $2.4M+27.3% | $1.9M+212.0% | -$1.7M-296.4% | $859K-71.2% | $3.0M+134.8% | -$8.6M-3300.0% | -$252K-134.8% | $724K |
| Net Income | $7.9M+53.6% | $5.2M+119.9% | $2.3M-84.2% | $14.9M+139.7% | $6.2M+241.7% | $1.8M-49.9% | $3.6M-47.8% | $6.9M |
| EPS (Diluted) | $0.29+61.1% | $0.18+100.0% | $0.09-84.5% | $0.58+141.7% | $0.24+380.0% | $0.05-58.3% | $0.12-57.1% | $0.28 |
GSHD Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $403.6M-7.6% | $436.6M+5.8% | $412.6M+3.7% | $397.7M+17.6% | $338.2M-7.6% | $366.2M+3.2% | $354.9M+3.9% | $341.5M |
| Current Assets | $93.1M-31.1% | $135.2M+17.1% | $115.4M+6.3% | $108.6M+106.0% | $52.7M-31.5% | $76.9M+3.2% | $74.6M+9.7% | $68.0M |
| Cash & Equivalents | $51.6M-44.2% | $92.4M+31.6% | $70.2M+29.3% | $54.3M+129.6% | $23.6M-53.7% | $51.1M+21.8% | $42.0M+19.2% | $35.2M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $574.3M+1.3% | $567.2M+1.6% | $558.1M+55.6% | $358.6M+0.2% | $357.9M+5.9% | $338.0M0.0% | $338.1M+0.7% | $335.7M |
| Current Liabilities | $48.1M+4.1% | $46.2M+11.7% | $41.4M-10.9% | $46.5M+0.1% | $46.4M+4.5% | $44.4M+8.7% | $40.9M+4.9% | $39.0M |
| Long-Term Debt | $290.0M+0.1% | $289.8M-0.2% | $290.3M+253.0% | $82.3M-5.5% | $87.0M+33.6% | $65.1M-3.6% | $67.6M-3.5% | $70.0M |
| Total Equity | -$105.0M-33.6% | -$78.6M+11.2% | -$88.5M-301.7% | $43.9M+10.4% | $39.8M-41.0% | $67.3M+140.8% | $28.0M-40.0% | $46.6M |
| Retained Earnings | -$145.8M+5.1% | -$153.7M+3.2% | -$158.8M-931.4% | -$15.4M+59.8% | -$38.3M+15.6% | -$45.5M+0.8% | -$45.8M+9.3% | -$50.5M |
GSHD Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $24.2M-16.3% | $28.9M+86.7% | $15.5M+23.9% | $12.5M-33.8% | $18.9M+56.4% | $12.1M-10.4% | $13.5M-36.3% | $21.1M |
| Capital Expenditures | $477K-72.6% | $1.7M+200.2% | $579K+37.2% | $422K+87.6% | $225K+1.4% | $222K-55.3% | $497K+17.5% | $423K |
| Free Cash Flow | $23.7M-12.7% | $27.2M+82.3% | $14.9M+23.4% | $12.1M-35.2% | $18.6M+57.5% | $11.8M-8.7% | $13.0M-37.4% | $20.7M |
| Investing Cash Flow | -$6.5M-27.8% | -$5.1M-52.6% | -$3.3M-5.5% | -$3.1M-6.8% | -$2.9M-2.0% | -$2.9M+37.0% | -$4.6M-37.6% | -$3.3M |
| Financing Cash Flow | -$58.9M-7192.6% | -$807K-133.3% | $2.4M+261.9% | -$1.5M+96.5% | -$42.8M-37088.7% | -$115K+94.0% | -$1.9M-13.1% | -$1.7M |
| Dividends Paid | N/A | N/A | N/A | $2.1M-11.2% | $2.3M+5488.1% | $42K+100.5% | -$8.5M-359.0% | $3.3M |
| Share Buybacks | $57.7M | N/A | N/A | $0 | N/A | N/A | $0 | $0 |
GSHD Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 23.5%+6.9pp | 16.7%+7.9pp | 8.8%-20.9pp | 29.6%+9.9pp | 19.7%+17.5pp | 2.3%-8.3pp | 10.6%-8.6pp | 19.2% |
| Net Margin | 8.7%+3.3pp | 5.5%+2.4pp | 3.1%-12.7pp | 15.8%+7.9pp | 7.9%+5.1pp | 2.8%-2.9pp | 5.8%-4.0pp | 9.8% |
| Return on Equity | N/A | N/A | N/A | 33.9%+18.3pp | 15.6%+12.9pp | 2.7%-10.3pp | 13.0%-1.9pp | 14.9% |
| Return on Assets | 2.0%+0.8pp | 1.2%+0.6pp | 0.6%-3.2pp | 3.7%+1.9pp | 1.8%+1.3pp | 0.5%-0.5pp | 1.0%-1.0pp | 2.0% |
| Current Ratio | 1.93-1.0 | 2.92+0.1 | 2.79+0.5 | 2.34+1.2 | 1.14-0.6 | 1.73-0.1 | 1.82+0.1 | 1.74 |
| Debt-to-Equity | -2.76+0.9 | -3.69-0.4 | -3.28-5.2 | 1.87-0.3 | 2.19+1.2 | 0.97-1.4 | 2.42+0.9 | 1.50 |
| FCF Margin | 26.2%-2.7pp | 28.9%+9.2pp | 19.7%+6.9pp | 12.9%-11.0pp | 23.9%+5.5pp | 18.4%-2.2pp | 20.6%-8.6pp | 29.2% |
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Frequently Asked Questions
What is Goosehead Insura's annual revenue?
Goosehead Insura (GSHD) reported $314.5M in total revenue for fiscal year 2024. This represents a 20.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Goosehead Insura's revenue growing?
Goosehead Insura (GSHD) revenue grew by 20.4% year-over-year, from $261.3M to $314.5M in fiscal year 2024.
Is Goosehead Insura profitable?
Yes, Goosehead Insura (GSHD) reported a net income of $30.4M in fiscal year 2024, with a net profit margin of 9.7%.
What is Goosehead Insura's earnings per share (EPS)?
Goosehead Insura (GSHD) reported diluted earnings per share of $1.16 for fiscal year 2024. This represents a 110.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Goosehead Insura's EBITDA?
Goosehead Insura (GSHD) had EBITDA of $72.1M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Goosehead Insura have?
As of fiscal year 2024, Goosehead Insura (GSHD) had $54.3M in cash and equivalents against $82.3M in long-term debt.
What is Goosehead Insura's operating margin?
Goosehead Insura (GSHD) had an operating margin of 19.4% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Goosehead Insura's net profit margin?
Goosehead Insura (GSHD) had a net profit margin of 9.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Goosehead Insura's return on equity (ROE)?
Goosehead Insura (GSHD) has a return on equity of 69.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Goosehead Insura's free cash flow?
Goosehead Insura (GSHD) generated $70.6M in free cash flow during fiscal year 2024. This represents a 52.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Goosehead Insura's operating cash flow?
Goosehead Insura (GSHD) generated $71.5M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Goosehead Insura's total assets?
Goosehead Insura (GSHD) had $397.7M in total assets as of fiscal year 2024, including both current and long-term assets.
What are Goosehead Insura's capital expenditures?
Goosehead Insura (GSHD) invested $979K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Goosehead Insura buy back shares?
Yes, Goosehead Insura (GSHD) spent $63.2M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
What is Goosehead Insura's current ratio?
Goosehead Insura (GSHD) had a current ratio of 2.34 as of fiscal year 2024, which is generally considered healthy.
What is Goosehead Insura's debt-to-equity ratio?
Goosehead Insura (GSHD) had a debt-to-equity ratio of 1.87 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Goosehead Insura's return on assets (ROA)?
Goosehead Insura (GSHD) had a return on assets of 7.6% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Goosehead Insura's Altman Z-Score?
Goosehead Insura (GSHD) has an Altman Z-Score of 3.46, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Goosehead Insura's Piotroski F-Score?
Goosehead Insura (GSHD) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Goosehead Insura's earnings high quality?
Goosehead Insura (GSHD) has an earnings quality ratio of 2.35x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Goosehead Insura cover its interest payments?
Goosehead Insura (GSHD) has an interest coverage ratio of 8.3x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Goosehead Insura?
Goosehead Insura (GSHD) scores 83 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.