Core Insights - Goosehead Insurance, Inc. reported a total revenue increase of 16% year-over-year, reaching $90.4 million for the third quarter of 2025 [4][6] - Core revenue, which excludes certain non-recurring items, grew by 14% to $83.9 million compared to the same period last year [4][6] - The company achieved a net income of $12.7 million, slightly up from $12.6 million in the prior year, with a net income margin of 14% [6][7] - Adjusted EBITDA increased by 14% to $29.7 million, although the adjusted EBITDA margin decreased to 33% [6][7] - Total written premiums rose by 15% to $1.2 billion, indicating strong growth in the insurance segment [4][6] Financial Performance - Total operating expenses for Q3 2025 were $69.2 million, up from $61.6 million in the prior-year period, with significant increases in employee compensation and benefits [5][6] - Employee compensation and benefits rose to $48.7 million, reflecting investments in corporate producers and technology [5][6] - The company repurchased $58.7 million of shares at an average price of $85.58 during the quarter, indicating a commitment to returning value to shareholders [3][9] Key Metrics - Policies in force increased by 13% to approximately 1,853,000 [6][25] - The corporate agent headcount grew by 14% to 523, while total franchise producers increased by 1% to 2,124 [6][25] - Client retention remained strong at 85%, with premium retention at 93% [25] Future Outlook - For the full year 2025, total written premiums are expected to be between $4.38 billion and $4.65 billion, representing growth of 15% to 22% [14] - Total revenues for 2025 are projected to be between $350 million and $385 million, indicating growth of 11% to 22% [14]

Core Insights - Goosehead Insurance, Inc. is set to release its quarterly earnings on October 22, 2025, with analysts predicting an EPS of $0.47 and revenue of approximately $91 million [1] - Analysts from Zacks Investment Research expect a decline in earnings for the quarter ending September 2025, despite an anticipated revenue increase, creating a complex financial backdrop [2] Financial Metrics - The company has a price-to-earnings (P/E) ratio of 57.55, indicating high expectations for future growth, with investors paying $57.55 for every dollar of earnings [3] - Goosehead's price-to-sales ratio stands at 7.54, and the enterprise value to sales ratio is 7.44, highlighting its valuation relative to sales [3] - The enterprise value to operating cash flow ratio is 29.91, providing insights into the company's financial efficiency [3] Investment Indicators - The earnings yield is 1.74%, reflecting the return on investment [4] - A debt-to-equity ratio of -0.74 suggests a strong equity position relative to debt [4] - The current ratio of 2.92 indicates robust short-term financial stability, showcasing the company's ability to cover short-term liabilities with short-term assets [4]

Core Points - Goosehead Insurance Agency has experienced a data breach that compromised the personal and confidential information of tens of thousands of individuals [2][4] - The breach involved cybercriminals infiltrating Goosehead's inadequately secured network, leading to unauthorized access to sensitive files [2][4] - Murphy Law Firm is investigating claims and evaluating legal options, including a potential class action lawsuit for affected individuals [1][3][4] Data Compromised - The exposed information includes names, Social Security numbers, financial account information, payment card information, medical information, health insurance information, driver's license numbers, and government-issued ID numbers [5] - The compromised data may be sold on the dark web or used for identity theft [4] Legal Actions - Murphy Law Firm is actively seeking individuals affected by the breach to join a class action lawsuit [1][3] - The firm specializes in data breach class actions and has a track record of securing favorable recoveries for clients [4]

Core Viewpoint - Goosehead Insurance, Inc. will report its third quarter 2025 results on October 22, 2025, after market close [1] Group 1: Earnings Announcement - The company will hold a conference call to discuss the results at 4:30 PM ET on October 22, 2025 [2] - Participants can access the call via a registration link and a live webcast will be available on the investor relations website [2] Group 2: Company Overview - Goosehead is a rapidly growing independent personal lines insurance agency with corporate and franchise locations across the United States [3] - The company represents over 200 insurance companies that underwrite personal and commercial lines [3]

Core Viewpoint - Goosehead Insurance (GSHD) is expected to report a year-over-year decline in earnings despite an increase in revenues for the quarter ended September 2025, with the consensus outlook being crucial for assessing the company's earnings picture [1][3]. Earnings Expectations - The consensus EPS estimate for Goosehead is $0.49 per share, reflecting a -2% change year-over-year, while revenues are anticipated to reach $93.39 million, representing a 19.7% increase from the previous year [3]. Estimate Revisions - Over the last 30 days, the consensus EPS estimate has been revised 2.96% higher, indicating a collective reassessment by covering analysts [4]. Earnings Surprise Prediction - The Zacks Earnings ESP model indicates that the Most Accurate Estimate for Goosehead is higher than the Zacks Consensus Estimate, resulting in an Earnings ESP of +1.37%, suggesting a bullish outlook from analysts [12]. Historical Performance - In the last reported quarter, Goosehead was expected to post earnings of $0.53 per share but delivered $0.49, resulting in a surprise of -7.55%. Over the last four quarters, the company has beaten consensus EPS estimates three times [13][14]. Investment Considerations - Despite a positive Earnings ESP, Goosehead currently holds a Zacks Rank of 5, complicating the prediction of an earnings beat [12]. Investors are advised to consider other factors beyond earnings results when making investment decisions [15][17].

Core Points - Goosehead Insurance Agency, LLC has reported a cybersecurity incident affecting the personal information of tens of thousands of individuals [1] - The breach involved unauthorized access to records containing personally identifiable information (PII), including Social Security numbers, driver's license numbers, financial information, and health insurance details [1] Company Summary - Goosehead Insurance Agency is a nationwide property and casualty insurance agency [1] - The company is currently facing investigations related to the data breach, with potential claims for compensation being explored by affected individuals [2] Legal Context - Lynch Carpenter, LLP is investigating claims against Goosehead related to the data breach and is offering assistance to individuals who received breach notifications [2] - Lynch Carpenter is a national class action law firm with extensive experience in data privacy matters [3]

Core Insights - Goosehead Insurance, Inc. (NASDAQ:GSHD) is identified as an oversold financial stock with potential for investment according to hedge funds [1] - The company reported strong fiscal second quarter results for 2025, with revenue of $94.03 million, a year-over-year growth of 20.41% [2] - Total Written Premium increased by 18% to $1.2 billion, although EPS of $0.49 slightly missed expectations by $0.01 [2] - Management is focusing on building new partnerships and developing technologies to enhance client engagement [3] - Full-year Total Written Premiums are projected to be between $4.38 billion and $4.65 billion, indicating a growth of 15% to 22% year-over-year [3] - Revenue for the year is expected to range between $350 million and $385 million [3] - Goosehead Insurance operates as an independent personal lines insurance company and offers an online Digital Agent for quoting [4]

Core Insights - Goosehead Insurance, Inc. is recognized for its innovative approach in the personal lines insurance market, utilizing technology to enhance customer experience and streamline operations [1] - The company demonstrates strong financial performance with a Return on Invested Capital (ROIC) of 14.63% and a Weighted Average Cost of Capital (WACC) of 9.74%, resulting in a favorable ROIC to WACC ratio of 1.50 [2][6] Financial Performance - Goosehead's ROIC of 14.63% indicates effective capital utilization, outperforming peers like Live Oak Bancshares, Inc. which has a ROIC of 4.52% and a WACC of 32.88%, leading to a low ROIC to WACC ratio of 0.14 [3][6] - Kinsale Capital Group, Inc. has a ROIC of 10.64% and a WACC of 9.02%, resulting in a ROIC to WACC ratio of 1.18, which is lower than Goosehead's efficiency [4][6] - Hamilton Lane Incorporated shows the highest ROIC to WACC ratio of 1.93 with a ROIC of 18.05% and a WACC of 9.37%, indicating superior growth potential compared to Goosehead [5][6]

Core Insights - Goosehead Insurance and Nan & Company Properties have expanded their strategic franchise arrangement to create Altivo Insurance, enhancing the homebuying experience by integrating home insurance options directly into real estate transactions [1][2][4] - The collaboration aims to provide clients with a seamless, luxury-grade experience, offering a broad portfolio of insurance carriers and expert guidance during the home purchase process [2][3] - The partnership addresses the critical need for reliable home insurance in Houston, particularly due to the city's frequent weather-related challenges [2][4] Company Overview - Goosehead Insurance is a rapidly growing independent personal lines insurance agency, founded on the principle of prioritizing consumer needs and providing exceptional value through a wide range of product choices [5] - Nan & Company Properties, established in 2014, has become a leading luxury real estate brokerage in Houston, with over 200 agents and nearly $1 billion in annual sales volume [3][6] - Both companies emphasize client service, innovation, and the enhancement of Houston's luxury real estate ecosystem through their collaboration [4][6]

Core Insights - Goosehead Insurance and Nan & Company Properties have expanded their strategic franchise arrangement to create Altivo Insurance, aimed at enhancing the homebuying process by integrating home insurance options directly into real estate transactions [1][2][4] - The collaboration seeks to provide clients with a seamless experience, offering a broad portfolio of insurance carriers and expert guidance, which is particularly beneficial in Houston's challenging weather conditions [2][3][4] Company Overview - Goosehead Insurance is a rapidly growing independent personal lines insurance agency, founded on the principle of prioritizing consumer needs and providing exceptional value through a wide range of product choices and service experiences [5] - Nan & Company Properties, established in 2014, has become a leading luxury real estate brokerage in Houston, with over 200 agents and nearly $1 billion in annual sales volume, focusing on modernizing the real estate experience through communication and innovation [3][6] Strategic Collaboration - The partnership between Goosehead Insurance and Nan & Company Properties through Altivo Insurance aims to eliminate friction in securing tailored insurance coverage during the homebuying process, thereby enhancing client confidence in their investments [3][4] - Altivo Insurance will offer a greater variety of home insurance options than typically available in the Houston market, addressing the city's frequent weather-related challenges [2][4]