Goosehead Insurance Earnings Call Transcripts
Fiscal Year 2026
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Q1 2026 delivered 23% revenue growth and 57% adjusted EBITDA growth, driven by digital and AI investments, geographic expansion, and strong enterprise and franchise performance. Guidance for 2026 is reiterated, with continued focus on retention, productivity, and capital returns.
Fiscal Year 2025
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Revenue grew 16% and adjusted EBITDA 14% in 2025, driven by improved retention, productivity, and technology investments. 2026 guidance calls for 10–19% organic revenue growth, with margin pressure from strategic investments but acceleration expected in the second half.
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Q3 2025 saw 16% revenue growth and 14% adjusted EBITDA growth, with strong franchise and corporate performance. Digital agent investments are set to drive future scalability, with guidance reaffirmed and significant market opportunity ahead.
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Q2 2025 saw 20% revenue growth, strong adjusted EBITDA, and robust expansion in agents and partnerships. Guidance for 2025 revenue and premiums was reiterated, with margin compression expected due to growth investments. Product environment and commission rates are improving.
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Q1 2025 saw 17% revenue and 22% premium growth, with adjusted EBITDA up 32%. Franchise and corporate agent productivity rose, technology investments advanced, and client retention improved. Guidance for 2025 was reiterated, and a $100 million share repurchase was authorized.
Fiscal Year 2024
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Delivered 20% revenue and 29% premium growth in 2024, with record margins and strong agent expansion. 2025 guidance projects 11–22% revenue and 22–28% premium growth, driven by franchise productivity, technology, and new partnerships.
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Record quarterly written premiums of $1B and 28% growth were driven by improved franchise and agent productivity, margin expansion, and disciplined cost control. Full-year guidance was raised, with continued investment in technology and talent to support growth amid volatile market conditions.
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Q2 2024 saw 30% premium growth, 20% core revenue growth, and strong agent expansion despite a challenging insurance market. Margin expansion is expected mainly in Q4, with 2024 guidance reiterated and significant investments in technology and share repurchases.