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Goosehead Insurance cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$14.4M in Q2 2026 · $79.7M over twelve months

Operating cash flow$15.9M
Capital spending−$1.5M
Free cash flow+$14.4M
Cash / net income0.9×

Analysis

In Q2 2026, Goosehead Insurance generated $15.9M of operating cash flow and spent $1.5M on capital projects, leaving free cash flow of $14.4M. That is $12.7M less than in Q2 2025 ($27.2M).

Over the twelve months to Jun 30, 2026, operating cash flow was $86.2M; the largest uses were buybacks ($135M), other investing ($22.9M), capital spending ($6.5M); besides operations, cash came from net borrowing (+) / repaid (−) ($7.1M), shares issued ($2.1M); the cash balance fell by $68.1M.

Operating cash flow was $15.9M against net income of $17.0M — 0.9× profit, roughly in line with earnings. The largest differences: stock-based pay +$4.8M, deferred taxes +$3.6M, depreciation & amortization +$3.5M.

Free cash flow

Goosehead Insurance: free cash flow by quarterGoosehead Insurance: free cash flow by quarter$28.0MQ3 2024$12.1MQ4 2024$14.9MQ1 2025$27.2MQ2 2025$23.7MQ3 2025$20.3MQ4 2025$21.2MQ1 2026$14.4MQ2 2026
Operating cash flow less capital spending.
Goosehead Insurance: operating cash flow against capital spendingGoosehead Insurance: operating cash flow against capital spendingOperating cash flowCapital spending$28.1M$110KQ3 2024$12.5M$422KQ4 2024$15.5M$579KQ1 2025$28.9M$1.7MQ2 2025$24.2M$477KQ3 2025$23.2M$2.9MQ4 2025$22.9M$1.6MQ1 2026$15.9M$1.5MQ2 2026
Latest (Q2 2026): Operating cash flow $15.9M, Capital spending $1.5M.

Capital allocation, year by year

Goosehead Insurance: where the cash came from (up) and went (down), by fiscal yearGoosehead Insurance: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $35.4MFY2021: Net borrowing $40.2MFY2021: Shares issued $9.2MFY2021: Capital spending −$12.7MFY2021: Dividends −$60.0M$84.9MFY2021FY2022: Operating cash flow $36.0MFY2022: Net borrowing −$29.4MFY2022: Shares issued $12.2MFY2022: Capital spending −$10.1M$48.3MFY2022FY2023: Operating cash flow $50.8MFY2023: Net borrowing −$16.9MFY2023: Shares issued $19.8MFY2023: Capital spending −$4.5M$70.6MFY2023FY2024: Operating cash flow $71.5MFY2024: Net borrowing $15.6MFY2024: Shares issued $24.4MFY2024: Capital spending −$979KFY2024: Buybacks −$63.2M$112MFY2024FY2025: Operating cash flow $91.8MFY2025: Net borrowing $205MFY2025: Shares issued $27.6MFY2025: Capital spending −$5.7MFY2025: Buybacks −$81.7MFY2025: Dividends −$146M$324MFY2025
Over these 5 years operating cash flow totalled $286M; the largest uses were dividends ($206M) and buybacks ($145M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$23.7M
Debt$317M
Net debt$294M
Due within a year$3.0M

Goosehead Insurance funds itself: free cash flow was $79.7M over the last twelve months, and $23.7M of cash and investments stands against $317M of debt ($3.0M due within a year, 7.9× covered by cash).

Goosehead Insurance: debt maturities by year (FY2025)Goosehead Insurance: debt maturities by year (FY2025)$3.0MYear 1$3.0MYear 2$3.0MYear 3$3.0MYear 4$3.0MYear 5$284MAfter year 5
Principal due in each year as disclosed in the annual report, against $23.7M of cash and investments now.

Where the cash came from and went

Goosehead Insurance: sources (+) and uses (−) of cash, Q2 2026Goosehead Insurance: sources (+) and uses (−) of cash, Q2 2026Operating cash flow$15.9MOther financing−$6.0MOther investing−$5.6MBuybacks−$3.9MCash drawn (+) / kept (−)$1.6MCapital spending−$1.5MNet borrowing (+) / repaid (−)−$748KShares issued$231K
Goosehead Insurance: sources (+) and uses (−) of cash, TTM to Q2 2026Goosehead Insurance: sources (+) and uses (−) of cash, TTM to Q2 2026Buybacks−$135MOperating cash flow$86.2MCash drawn (+) / kept (−)$68.1MOther investing−$22.9MNet borrowing (+) / repaid (−)$7.1MCapital spending−$6.5MShares issued$2.1MOther financing$857K

From profit to cash

Goosehead Insurance: net income to operating cash flow, Q2 2026Goosehead Insurance: net income to operating cash flow, Q2 2026Net income$17.0MDepreciation & amortization$3.5MStock-based pay$4.8MDeferred taxes$3.6MPayables$2.6MDeferred revenue−$826KContract assets$128KPrepaid and other assets$429KOperating cash flow$15.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026$15.9M−$1.5M−$3.9M—−$748K$231K$1.6M$14.4M
Q1 2026$22.9M−$1.6M−$49.8M—$25.3M$116K$8.8M$21.2M
Q4 2025$23.2M−$2.9M−$23.5M—−$748K$368K$16.6M$20.3M
Q3 2025$24.2M−$477K−$57.7M——$1.4M$41.1M$23.7M
Q2 2025$28.9M−$1.7M−$529K—−$750K$1.6M−$23.1M$27.2M
Q1 2025$15.5M−$579K—−$146M$206M$10.6M−$14.6M$14.9M
Q4 2024$12.5M−$422K—$4.5M−$2.5M$5.8M−$7.9M$12.1M
Q3 2024$28.1M−$110K—−$2.1M−$2.5M$4.0M−$23.8M$28.0M

Goosehead Insurance: income statement and cash flow

Goosehead Insurance, Q2 2026: revenue $113M (+21% year over year), operating margin 23.5%. The chart follows the revenue to costs, profit and cash.

Goosehead Insurance: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.