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Who we are We are a leading, high-growth, independent distribution platform for personal and commercial insurance in the U.S. We are pioneers in the insurance industry, developing an agency model built on innovation and experience with what we believe is a more flexible approach than traditional distribution models.
14.88% operating margin is respectable but not wide. ROIC at 37.57%. Suggests the business covers its cost of capital, but doesn't point to a wide moat.
Revenue grew 22.0%, still solid.
Insufficient data to identify specific risks. Treat any missing metrics as a data gap, not a clean bill of health.
Profitability & Returns
Revenue (TTM)
$268M
▲ +22.0% YoY
Net Income (TTM)
$3M
▲ +190.1% YoY
Op. Margin
16.30%
▲ +1.2pp YoY
ROIC
45.37%
▲ +7.3pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$60M
▲ +42.6% YoY
Op. Cash Flow (TTM)
$61M
▲ +32.2% YoY
Net Debt
-$117M
Net Cash Position
Cash & Equiv.
$125M
3Y CAGR: +17.3%
3Y CAGR: +27.5%
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