Goosehead Insurance reported increased revenues and Adjusted EBITDA for Q4 2025, driven by core revenue growth and higher premium rates. However, net income and EPS declined year-over-year, and Adjusted EBITDA margin compressed, reflecting increased operating expenses and strategic investments.
Total Revenues grew 12% year-over-year to $105.3 million in Q4 2025.
positiveCore Revenues increased 15% year-over-year to $78.2 million in Q4 2025, driven by strong client retention and rising premium rates.
positiveTotal written premiums placed increased 13% year-over-year to $1.1 billion in Q4 2025.
positivePolicies in force grew 14% from the prior-year period to approximately 1,900,000.
positiveAdjusted EBITDA of $39.2 million increased 5% from $37.4 million in the prior-year period.
positiveShare repurchase authorization expanded by $180.0 million through May 1, 2027.
positiveNet income in Q4 2025 was $20.8 million, a decrease from $23.8 million in the prior-year period.
negativeEPS of $0.50 per share decreased 17% and Adjusted EPS of $0.64 per share decreased 18% over the prior-year period.
negativeAdjusted EBITDA Margin decreased 3 percentage points over the prior-year period to 37%.
attentionTotal operating expenses increased 17% year-over-year to $66.0 million (excluding certain items), primarily due to investments in corporate producers and service/technology functions.
attentionGeneral and administrative expenses increased to $22.1 million from $17.8 million in the prior-year period, primarily due to investments in technology and systems.
attentionNet Income Margin for Q4 2025 was 20%, down from 25% in the prior-year period.
negativeMargin expansion indicates improving profitability and operational efficiency. Measured in basis points (bps): 100 bps = 1.0%.
Forward-looking guidance is subject to change and does not constitute a guarantee. Actual results may differ materially from these estimates.
Goosehead has now delivered the United States' first end-to-end comparative insurance digital buying experience with the Digital Agent 2.0 platform.
Massive strides were made on digital binding in 2025, positioning the company for rapid expansion.
AI is being deployed to drive value in the service department, enhancing client experience and improving cost efficiency.
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Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.