Goosehead Insurance (GSHD) Earnings Date & Reports

Key Takeaways

• Goosehead Insurance (NASDAQ: GSHD) will report its third quarter 2026 results after the market close on Monday, November 9, 2026, with a conference call at 4:30 p.m. ET.
• Wall Street consensus points to adjusted earnings of roughly $0.53 per share on revenue of about $105–106 million for the quarter.
• In the prior-year quarter, GSHD posted adjusted earnings of $0.46 per share on $90.44 million in revenue.
• Full-year 2026 guidance calls for organic revenue growth of 10% to 19% and total written premium growth of 12% to 20%.
• GSHD has beaten consensus earnings estimates in six of its last eight quarters, though recent analyst actions reflect a more cautious near-term tone.

Earnings Context and Why It Matters

Goosehead Insurance is a fast-growing independent personal lines insurance agency that distributes policies through corporate and franchise locations across the United States. Its earnings reports are closely watched because they offer a window into consumer demand for personal insurance, producer productivity, and the health of its franchise network. The company's most recent quarter (Q2 2026) delivered a strong beat, with adjusted earnings of $0.64 per share versus a $0.47 consensus estimate, underscoring its track record of outperformance. However, rising mortgage rates, expense investments in technology and AI, and mixed analyst sentiment have raised the stakes heading into this report.

Earnings Expectations

For the third quarter of 2026, analyst consensus estimates suggest Goosehead will report adjusted earnings per share (EPS) of approximately $0.53, with individual estimates ranging from about $0.42 to $0.62. Consensus revenue expectations sit near $105–106 million, which would represent meaningful growth from the $90.44 million reported in the same period a year earlier.

Beyond the headline figures, investors will focus on total written premiums — the dollar value of new and renewal policies placed, considered a leading indicator of future revenue — as well as core revenue (a non-GAAP measure that excludes more variable items such as contingent commissions), client retention (85% as of the most recent quarter), franchise productivity, and agent count. Margin trends will also matter, particularly given management's ongoing investments in corporate producers and technology. The company has historically beaten consensus estimates in six of its last eight quarters, so another modest surprise would be consistent with its recent pattern.

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Market Reaction and Investor Sentiment

Sentiment heading into this report is notably mixed. Goosehead has a strong history of earnings beats, and bulls point to its resilient premium growth and improving margins. Yet several analysts have turned more cautious in recent weeks: Truist Securities lowered its price target to $48 (from $58) and trimmed its third-quarter EPS estimate to $0.44, citing the drag from higher mortgage rates on new-sale productivity, while Piper Sandler downgraded the stock to Neutral. On the other side, Cantor Fitzgerald reiterated an Overweight rating with a $76 target, and Texas Capital Securities upgraded the stock to Buy, reflecting the broad dispersion in views. This divided outlook heightens the importance of the upcoming print, as investors weigh durable growth against rising expenses and macro headwinds.

Forward Outlook and Key Factors to Monitor

Looking beyond the third-quarter release, several themes will shape Goosehead's trajectory. First, watch total written premium growth relative to the company's full-year target of 12% to 20%. This metric is the clearest signal of the revenue pipeline, since policies written today convert into renewal commissions over time.

Second, keep an eye on producer and franchise productivity. Goosehead has been investing heavily in corporate agents and technology, including artificial intelligence. Investors will want to see those investments translate into higher sales efficiency rather than simply higher expenses, so adjusted EBITDA (earnings before interest, taxes, depreciation, and amortization) margin trends are worth monitoring.

Third, macro factors such as mortgage rates and housing turnover can influence new policy sales, since many personal lines policies are tied to home purchases. Finally, client retention — which stood at 85% in the most recent quarter — remains a key indicator of service quality and renewal revenue stability. Combined, these factors will determine whether Goosehead can sustain its premium-growth story while keeping margins on track.

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