7Baggers

frontdoor, inc
(NASDAQ:FTDR) 

FTDR stock logo

frontdoor, inc. provides home service plans in the United States. The company's home service plans cover the repair or replacement of principal components of approximately 20 home systems and appliances, including electrical, plumbing, water heaters, refrigerators, dishwashers, and ranges/ovens/cook...

Founded: 1971
Full Time Employees: 2,300
Sector: Consumer Cyclical
Industry: Personal Services
Consumer Cyclical
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• Market Cap:
• Exchange:
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• Employees:
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• Return on Equity (ROE) ttm:
• Return on Assets (ROA) ttm:
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At a glance:
Bull Thesis:
Bear Thesis:
Main Competitors:
Moat:
Income Statements:
Quarterly
Annual
    Unit: USD2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2019-03-31 2018-12-31 2018-09-30 
                                  
      revenue
    		433,000,000 618,000,000 617,000,000 426,000,000 382,000,000 540,000,000 542,000,000 378,000,000 366,000,000 524,000,000 523,000,000 367,000,000 340,000,000 484,000,000 487,000,000 351,000,000 339,000,000 471,000,000 462,000,000 329,000,000 323,000,000 440,000,000 417,000,000 294,000,000 300,000,000 407,000,000 388,000,000 271,000,000 279,000,000 377,000,000 
      yoy
    		13.35% 14.44% 13.84% 12.70% 4.37% 3.05% 3.63% 3.00% 7.65% 8.26% 7.39% 4.56% 0.29% 2.76% 5.41% 6.69% 4.95% 7.05% 10.79% 11.90% 7.67% 8.11% 7.47% 8.49% 7.53% 7.96%     
      qoq
    		-29.94% 0.16% 44.84% 11.52% -29.26% -0.37% 43.39% 3.28% -30.15% 0.19% 42.51% 7.94% -29.75% -0.62% 38.75% 3.54% -28.03% 1.95% 40.43% 1.86% -26.59% 5.52% 41.84% -2.00% -26.29% 4.90% 43.17% -2.87% -25.99%  
      cost of services rendered
    		220,000,000 264,000,000 261,000,000 191,000,000 197,000,000 235,000,000 237,000,000 184,000,000 189,000,000 256,000,000 253,000,000 197,000,000 195,000,000 274,000,000 276,000,000 207,000,000 199,000,000 217,000,000 221,000,000 181,000,000 186,000,000 225,000,000 200,000,000 147,000,000 161,000,000 201,000,000 183,000,000 143,000,000 154,000,000 202,000,000 
      gross profit
    		213,000,000 353,000,000 356,000,000 235,000,000 185,000,000 306,000,000 306,000,000 195,000,000 177,000,000 268,000,000 270,000,000 170,000,000 145,000,000 210,000,000 211,000,000 144,000,000 140,000,000 254,000,000 242,000,000 148,000,000 137,000,000 215,000,000 218,000,000 147,000,000 139,000,000 206,000,000 205,000,000 128,000,000 124,000,000 176,000,000 
      yoy
    		15.14% 15.36% 16.34% 20.51% 4.52% 14.18% 13.33% 14.71% 22.07% 27.62% 27.96% 18.06% 3.57% -17.32% -12.81% -2.70% 2.19% 18.14% 11.01% 0.68% -1.44% 4.37% 6.34% 14.84% 12.10% 17.05%     
      qoq
    		-39.66% -0.84% 51.49% 27.03% -39.54% 0.00% 56.92% 10.17% -33.96% -0.74% 58.82% 17.24% -30.95% -0.47% 46.53% 2.86% -44.88% 4.96% 63.51% 8.03% -36.28% -1.38% 48.30% 5.76% -32.52% 0.49% 60.16% 3.23% -29.55%  
      gross margin %
    		49.19% 57.12% 57.70% 55.16% 48.43% 56.67% 56.46% 51.59% 48.36% 51.15% 51.63% 46.32% 42.65% 43.39% 43.33% 41.03% 41.30% 53.93% 52.38% 44.98% 42.41% 48.86% 52.28% 50.00% 46.33% 50.61% 52.84% 47.23% 44.44% 46.68% 
      selling and administrative expenses
    		171,000,000 174,000,000 172,000,000 151,000,000 156,000,000 154,000,000 167,000,000 135,000,000 142,000,000 152,000,000 162,000,000 125,000,000 118,000,000 137,000,000 140,000,000 125,000,000 119,000,000 138,000,000 136,000,000 118,000,000 109,000,000 129,000,000 125,000,000 105,000,000 95,000,000 104,000,000 104,000,000 89,000,000 79,000,000 90,000,000 
      depreciation and amortization expense
    		23,000,000 22,000,000 21,000,000 23,000,000 11,000,000 10,000,000 9,000,000 9,000,000 9,000,000 9,000,000 9,000,000 9,000,000 9,000,000 8,000,000 8,000,000 8,000,000 8,000,000 8,000,000 9,000,000 9,000,000 9,000,000 7,000,000 10,000,000 8,000,000 6,000,000 6,000,000 6,000,000 6,000,000   
      restructuring charges
    		3,000,000 1,000,000  1,000,000 3,000,000 3,000,000 1,000,000  10,000,000 5,000,000  1,000,000 2,000,000 5,000,000 12,000,000  1,000,000  1,000,000 1,000,000 4,000,000  1,000,000 3,000,000       
      interest expense
    		20,000,000 20,000,000 20,000,000 19,000,000 11,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 9,000,000 8,000,000 7,000,000 7,000,000 7,000,000 7,000,000 12,000,000 13,000,000 14,000,000 14,000,000 14,000,000 15,000,000 15,000,000 16,000,000 16,000,000 16,000,000 16,000,000 7,000,000 
      interest and net investment income
    		-6,000,000 -6,000,000 -4,000,000 -6,000,000 -5,000,000 -5,000,000 -5,000,000 -5,000,000 -4,000,000 -4,000,000 -4,000,000 -3,000,000 -250,000 -1,000,000          -2,000,000 -1,000,000 -2,000,000 -2,000,000 -1,000,000   
      income before income taxes
    		2,000,000 142,000,000 146,000,000 48,000,000 6,000,000 134,000,000 124,000,000 45,000,000 12,000,000 96,000,000 93,000,000 29,000,000 8,000,000 39,000,000 43,000,000 3,000,000 7,000,000 101,000,000 54,000,000 5,000,000 1,000,000 65,000,000 65,000,000 17,000,000 24,000,000 82,000,000 81,000,000 18,000,000 23,000,000 65,000,000 
      provision for income taxes
    		1,000,000 37,000,000 36,000,000 11,000,000 -3,000,000 34,000,000 32,000,000 11,000,000 3,000,000 24,000,000 23,000,000 7,000,000 -1,000,000 11,000,000 10,000,000 2,000,000  25,000,000 14,000,000 1,000,000  16,000,000 17,000,000 4,000,000 5,000,000 21,000,000 20,000,000 5,000,000   
      net income
    		2,000,000 106,000,000 111,000,000 37,000,000 9,000,000 100,000,000 92,000,000 34,000,000 8,000,000 71,000,000 70,000,000 22,000,000 8,000,000 28,000,000 33,000,000 2,000,000 6,000,000 76,000,000 40,000,000 5,000,000 1,000,000 49,000,000 49,000,000 13,000,000 19,000,000 61,000,000 60,000,000 13,000,000 17,000,000 49,000,000 
      yoy
    		-77.78% 6.00% 20.65% 8.82% 12.50% 40.85% 31.43% 54.55% 0.00% 153.57% 112.12% 1000.00% 33.33% -63.16% -17.50% -60.00% 500.00% 55.10% -18.37% -61.54% -94.74% -19.67% -18.33% 0.00% 11.76% 24.49%     
      qoq
    		-98.11% -4.50% 200.00% 311.11% -91.00% 8.70% 170.59% 325.00% -88.73% 1.43% 218.18% 175.00% -71.43% -15.15% 1550.00% -66.67% -92.11% 90.00% 700.00% 400.00% -97.96% 0.00% 276.92% -31.58% -68.85% 1.67% 361.54% -23.53% -65.31%  
      net income margin %
    		0.46% 17.15% 17.99% 8.69% 2.36% 18.52% 16.97% 8.99% 2.19% 13.55% 13.38% 5.99% 2.35% 5.79% 6.78% 0.57% 1.77% 16.14% 8.66% 1.52% 0.31% 11.14% 11.75% 4.42% 6.33% 14.99% 15.46% 4.80% 6.09% 13.00% 
      other comprehensive loss, net of income taxes:
    		                              
      unrealized loss on derivative instruments, net of income taxes
    		1,000,000 -1,000,000 -5,000,000                            
      total other comprehensive loss, net of income taxes
    		-3,250,000 -1,000,000 -5,000,000                            
      comprehensive income
    		3,000,000 105,000,000 106,000,000 30,000,000 6,000,000 97,000,000 91,000,000 35,000,000 5,000,000 72,000,000 73,000,000 20,000,000                   
      earnings per share:
    		                              
      basic
    		0.04 1.45 1.51 0.5 0.13 1.32 1.18 0.43 0.12 0.89 0.86 0.27 0.1 0.34 0.4 0.02 0.09 0.89 0.47 0.06 0.02 0.57 0.57 0.15 0.22 0.72 0.71 0.15   
      diluted
    		0.04 1.42 1.48 0.49 0.11 1.3 1.18 0.43 0.12 0.89 0.85 0.27 0.1 0.34 0.4 0.02 0.08 0.89 0.47 0.06 0.02 0.57 0.57 0.15 0.22 0.72 0.71 0.15   
      weighted-average common shares outstanding:
    		                              
      basic
    		73.1 72.8 73.5 74.7 77 76.2 77.7 78.3 80.5 80.1 81.4 81.5 81.8 81.5 82.1 82.3 85.1 85.5 85.5 85.4 85.2 85.3 85.2 85.1 84.7 84.7 84.6 84.6 84.5  
      diluted
    		74.5 74.4 74.7 76.3 78 77.1 78.1 79 80.9 80.6 81.8 81.9 82 81.6 82.2 82.6 85.5 85.9 86 86 85.5 85.6 85.5 85.4 84.9 84.9 84.8 84.7 84.7  
      other comprehensive income, net of income taxes:
    		                              
      unrealized gain on derivative instruments, net of income taxes
    		   -7,000,000 -3,000,000 -4,000,000 -1,000,000 2,000,000 -5,000,000  3,000,000 -2,000,000                   
      total other comprehensive income, net of income taxes
    		   -7,000,000 -3,000,000 -4,000,000 -1,000,000 2,000,000 -5,000,000  3,000,000 -2,000,000                   
      goodwill and intangibles impairment
    		             14,000,000                 
      loss on extinguishment of debt
    		                  30,000,000 1,000,000           
      net unrealized gain on derivative instruments
    		            1,000,000 9,000,000 4,000,000 13,000,000 5,000,000 2,000,000  7,000,000 -3,750,000 1,000,000         
      total comprehensive income
    		            9,000,000 37,000,000 37,000,000 15,000,000 12,000,000 79,000,000 41,000,000 12,000,000 5,000,000 50,000,000 48,000,000 -2,000,000 22,000,000 57,000,000 53,000,000 8,000,000 8,000,000 49,000,000 
      interest and net investment loss
    		                      3,000,000        
      spin-off charges
    		                           1,000,000 1,000,000 8,000,000 
      other comprehensive income, net of income taxes
    		                    -3,750,000 1,000,000         
      net unrealized loss on derivative instruments
    		                      -1,000,000 -15,000,000 4,000,000 -3,000,000 -7,000,000 -5,000,000   
      affiliate royalty expense
    		                             1,000,000 
      interest income from affiliate
    		                              
      net unrealized gain on securities
    		                              
      other comprehensive loss, net of income taxes
    		                        -3,750,000 -3,000,000     
      depreciation expense
    		                            4,000,000 3,000,000 
      amortization expense
    		                            2,000,000 2,000,000 
      benefit from income taxes
    		                            9,000,000 16,000,000 
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2019-03-31 2018-12-31 2018-09-30 
                                    
        assets:
      		                              
        current assets:
      		                              
        cash and cash equivalents
      		566,000,000 563,000,000 562,000,000 506,000,000 421,000,000 375,000,000 419,000,000 378,000,000 325,000,000 320,000,000 344,000,000 337,000,000 292,000,000 244,000,000 269,000,000 255,000,000 262,000,000 309,000,000 323,000,000 538,000,000 597,000,000 551,000,000 545,000,000 482,000,000 428,000,000 425,000,000 420,000,000 341,000,000 296,000,000 305,000,000 
        marketable securities
      		    15,000,000                  2,000,000 2,000,000 7,000,000 7,000,000 5,000,000 7,000,000 9,000,000 9,000,000 
        receivables, less allowance of 4 and 4, respectively
      		10,000,000 10,000,000 10,000,000 11,000,000       6,000,000  5,000,000                  
        prepaid expenses and other current assets
      		44,000,000 39,000,000 37,000,000 36,000,000 42,000,000 28,000,000 30,000,000 30,000,000 32,000,000 31,000,000 27,000,000 38,000,000                   
        assets held for sale
      		4,000,000 5,000,000                             
        total current assets
      		624,000,000 695,000,000 620,000,000 554,000,000 488,000,000 484,000,000 463,000,000 412,000,000 363,000,000 429,000,000 391,000,000 381,000,000 330,000,000 343,000,000 310,000,000 282,000,000 295,000,000 385,000,000 356,000,000 573,000,000 626,000,000 624,000,000 577,000,000 510,000,000 461,000,000 489,000,000 448,000,000 369,000,000 330,000,000 361,000,000 
        other assets:
      		                              
        property and equipment
      		57,000,000 59,000,000 68,000,000 70,000,000 73,000,000 68,000,000 68,000,000 64,000,000 60,000,000 64,000,000 66,000,000 66,000,000 66,000,000 64,000,000 66,000,000 68,000,000 66,000,000 64,000,000 62,000,000 61,000,000 60,000,000 62,000,000 59,000,000 55,000,000 51,000,000 49,000,000 49,000,000 48,000,000 47,000,000 46,000,000 
        goodwill
      		959,000,000 971,000,000 972,000,000 964,000,000 967,000,000 503,000,000 503,000,000 503,000,000 503,000,000 503,000,000 503,000,000 503,000,000 503,000,000 503,000,000 512,000,000 512,000,000 512,000,000 512,000,000 512,000,000 512,000,000 512,000,000 512,000,000 502,000,000 501,000,000 501,000,000 477,000,000 477,000,000 476,000,000 476,000,000 476,000,000 
        intangible assets
      		398,000,000 400,000,000 412,000,000 435,000,000 448,000,000 141,000,000 142,000,000 143,000,000 143,000,000 144,000,000 145,000,000 146,000,000 148,000,000 149,000,000 155,000,000 157,000,000 159,000,000 161,000,000 164,000,000 167,000,000 170,000,000 173,000,000 187,000,000 188,000,000 191,000,000 155,000,000 156,000,000 156,000,000 158,000,000 160,000,000 
        operating lease right-of-use assets
      		7,000,000 7,000,000 7,000,000 7,000,000 8,000,000 8,000,000 8,000,000 7,000,000 3,000,000 8,000,000 9,000,000 10,000,000 11,000,000 9,000,000 10,000,000 16,000,000 17,000,000 19,000,000 19,000,000 20,000,000 15,000,000 15,000,000 14,000,000 14,000,000 17,000,000 17,000,000 18,000,000 18,000,000   
        long-term marketable securities
      		    38,000,000                          
        deferred reinsurance
      		66,000,000 68,000,000 68,000,000 67,000,000 65,000,000                          
        deferred customer acquisition costs
      		14,000,000 13,000,000 12,000,000 11,000,000 11,000,000 10,000,000 11,000,000 11,000,000 12,000,000 12,000,000 14,000,000 17,000,000 16,000,000 17,000,000 18,000,000 18,000,000 16,000,000 16,000,000 18,000,000 20,000,000 19,000,000 18,000,000 18,000,000 18,000,000 18,000,000 18,000,000 19,000,000 20,000,000   
        other assets
      		17,000,000 15,000,000 3,000,000 4,000,000 2,000,000 3,000,000 4,000,000 6,000,000 5,000,000 8,000,000 8,000,000 6,000,000 8,000,000 10,000,000 4,000,000 5,000,000 5,000,000 4,000,000 5,000,000 3,000,000 3,000,000 3,000,000 4,000,000 6,000,000 11,000,000 11,000,000 12,000,000 12,000,000 10,000,000 3,000,000 
        total assets
      		2,142,000,000 2,227,000,000 2,172,000,000 2,121,000,000 2,107,000,000 1,217,000,000 1,200,000,000 1,146,000,000 1,089,000,000 1,168,000,000 1,136,000,000 1,128,000,000 1,082,000,000 1,095,000,000 1,076,000,000 1,058,000,000 1,069,000,000 1,161,000,000 1,135,000,000 1,355,000,000 1,405,000,000 1,407,000,000 1,361,000,000 1,291,000,000 1,250,000,000 1,217,000,000 1,179,000,000 1,097,000,000 1,041,000,000 1,065,000,000 
        liabilities and shareholders' equity:
      		                              
        current liabilities:
      		                              
        accounts payable
      		89,000,000 104,000,000 106,000,000 76,000,000 71,000,000 91,000,000 107,000,000 70,000,000 76,000,000 87,000,000 78,000,000 82,000,000 80,000,000 89,000,000 96,000,000 73,000,000 66,000,000 76,000,000 82,000,000 66,000,000 55,000,000 69,000,000 74,000,000 55,000,000 48,000,000 55,000,000 58,000,000 48,000,000 41,000,000 45,000,000 
        accrued liabilities:
      		                              
        payroll and related expenses
      		47,000,000 36,000,000 33,000,000 29,000,000 44,000,000 29,000,000 18,000,000 18,000,000 38,000,000 29,000,000 20,000,000 19,000,000 22,000,000 23,000,000 18,000,000 17,000,000 24,000,000 23,000,000 17,000,000 19,000,000 23,000,000 24,000,000 17,000,000 12,000,000 17,000,000 15,000,000 12,000,000 8,000,000 10,000,000 9,000,000 
        home warranty claims
      		69,000,000 71,000,000 91,000,000 63,000,000 74,000,000 73,000,000 90,000,000 64,000,000 76,000,000                      
        income taxes payable
      		26,000,000 36,000,000                             
        other
      		34,000,000 31,000,000 54,000,000 40,000,000 28,000,000 42,000,000 38,000,000 33,000,000 22,000,000 40,000,000 34,000,000 29,000,000 21,000,000 27,000,000 23,000,000 23,000,000 28,000,000 33,000,000 35,000,000 32,000,000 32,000,000 36,000,000 41,000,000 38,000,000 29,000,000 35,000,000 43,000,000 28,000,000 26,000,000 12,000,000 
        deferred revenue
      		107,000,000 94,000,000 104,000,000 177,000,000 123,000,000 89,000,000 95,000,000 158,000,000 102,000,000 98,000,000 107,000,000 167,000,000 121,000,000 113,000,000 126,000,000 190,000,000 155,000,000 147,000,000 162,000,000 227,000,000 187,000,000 179,000,000 173,000,000 227,000,000 188,000,000 180,000,000 183,000,000 219,000,000 185,000,000 176,000,000 
        current portion of long-term debt
      		29,000,000 29,000,000 29,000,000 29,000,000 29,000,000 17,000,000 17,000,000 17,000,000 17,000,000 17,000,000 17,000,000 17,000,000 17,000,000 17,000,000 17,000,000 17,000,000 17,000,000 17,000,000 17,000,000 7,000,000 7,000,000 7,000,000 7,000,000 7,000,000 7,000,000 7,000,000 7,000,000 7,000,000 7,000,000 9,000,000 
        total current liabilities
      		402,000,000 401,000,000 416,000,000 414,000,000 369,000,000 341,000,000 365,000,000 360,000,000 331,000,000 364,000,000 365,000,000 396,000,000 364,000,000 391,000,000 404,000,000 402,000,000 378,000,000 394,000,000 424,000,000 439,000,000 403,000,000 412,000,000 416,000,000 398,000,000 364,000,000 373,000,000 396,000,000 374,000,000 345,000,000 476,000,000 
        long-term debt
      		1,144,000,000 1,151,000,000 1,157,000,000 1,164,000,000 1,170,000,000 565,000,000 569,000,000 573,000,000 577,000,000 580,000,000 584,000,000 588,000,000 592,000,000 596,000,000 600,000,000 604,000,000 608,000,000 612,000,000 616,000,000 868,000,000 968,000,000 969,000,000 971,000,000 972,000,000 973,000,000 974,000,000 975,000,000 976,000,000 977,000,000 978,000,000 
        other long-term liabilities:
      		                              
        deferred tax liabilities
      		53,000,000 52,000,000 38,000,000 45,000,000 49,000,000 24,000,000 25,000,000 25,000,000 25,000,000 28,000,000 31,000,000 37,000,000                   
        operating lease liabilities
      		18,000,000 18,000,000 19,000,000 20,000,000 20,000,000 21,000,000 21,000,000 20,000,000 16,000,000 16,000,000 16,000,000 17,000,000 18,000,000 16,000,000 17,000,000 18,000,000 19,000,000 21,000,000 22,000,000 23,000,000 18,000,000 18,000,000 17,000,000 18,000,000 20,000,000 20,000,000 21,000,000 21,000,000   
        unearned insurance premium
      		236,000,000 238,000,000 238,000,000 234,000,000 233,000,000                          
        long-term deferred revenue
      		19,000,000 20,000,000 20,000,000 19,000,000 12,000,000                          
        other long-term liabilities
      		27,000,000 32,000,000 18,000,000 15,000,000 4,000,000 6,000,000 6,000,000 5,000,000 5,000,000 8,000,000 8,000,000 8,000,000                   
        total other long-term liabilities
      		354,000,000 360,000,000 346,000,000 345,000,000 329,000,000 50,000,000 52,000,000 51,000,000 46,000,000 52,000,000 56,000,000 62,000,000 65,000,000 60,000,000 66,000,000 72,000,000 81,000,000 93,000,000 93,000,000 94,000,000 96,000,000 96,000,000 99,000,000 100,000,000 92,000,000 89,000,000 86,000,000 80,000,000 63,000,000 50,000,000 
        commitments and contingencies
      		                              
        shareholders' equity:
      		                              
        common stock, 0.01 par value...
      		1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000   
        additional paid-in capital
      		195,000,000 184,000,000 167,000,000 153,000,000 152,000,000 139,000,000 127,000,000 120,000,000 117,000,000 110,000,000 101,000,000 92,000,000 90,000,000 85,000,000 80,000,000 73,000,000 70,000,000 63,000,000 57,000,000 49,000,000 46,000,000 41,000,000 37,000,000 31,000,000 29,000,000 8,000,000 6,000,000 3,000,000 1,000,000  
        retained earnings
      		785,000,000 784,000,000 678,000,000 567,000,000 530,000,000 522,000,000 422,000,000 330,000,000 296,000,000 287,000,000 216,000,000 146,000,000 124,000,000 116,000,000 88,000,000 55,000,000 53,000,000 47,000,000             
        accumulated other comprehensive loss
      		-12,000,000 -14,000,000 -13,000,000            -1,000,000 -5,000,000 -18,000,000 -24,000,000 -26,000,000 -26,000,000 -33,000,000 -36,000,000 -37,000,000 -36,000,000 -21,000,000 -25,000,000 -21,000,000 -14,000,000   
        less treasury stock, at cost; 17,522,345 shares as of december 31, 2025 and 12,120,225 shares as of december 31, 2024
      		-727,000,000                              
        total shareholders' equity
      		242,000,000 316,000,000 254,000,000 198,000,000 239,000,000 261,000,000 214,000,000 162,000,000 136,000,000                      
        total liabilities and shareholders' equity
      		2,142,000,000 2,227,000,000 2,172,000,000 2,121,000,000 2,107,000,000 1,217,000,000 1,200,000,000 1,146,000,000 1,089,000,000                      
        contract assets
      		 77,000,000 11,000,000   75,000,000    72,000,000                     
        less treasury stock, at cost; 15,956,609 shares as of september 30, 2025 and 12,120,225 shares as of december 31, 2024
      		 -639,000,000                             
        deferred policy acquisition costs
      		  1,000,000                            
        reinsurance recoverables
      		  9,000,000 9,000,000 9,000,000                          
        unpaid losses and loss adjustment reserves
      		  13,000,000 12,000,000 12,000,000                          
        less treasury stock, at cost; 14,974,970 shares as of june 30, 2025 and 12,120,225 shares as of december 31, 2024
      		  -580,000,000                            
        accumulated other comprehensive income
      		   -8,000,000  2,000,000 6,000,000 7,000,000 6,000,000 10,000,000 9,000,000 6,000,000 8,000,000 8,000,000                 
        less treasury stock, at cost; 13,560,308 shares as of march 31, 2025 and 12,120,225 shares as of december 31, 2024
      		   -515,000,000                           
        receivables, less allowance of 4 and 5, respectively
      		    10,000,000  7,000,000 4,000,000                       
        less treasury stock, at cost; 12,120,225 shares as of december 31, 2024 and 8,174,876 shares as of december 31, 2023
      		    -444,000,000                          
        receivables, less allowance of 5 and 5, respectively
      		     6,000,000                         
        less treasury stock, at cost; 11,411,148 shares as of september 30, 2024 and 8,174,876 shares as of december 31, 2023
      		     -403,000,000                         
        contract asset
      		      8,000,000    14,000,000   65,000,000 12,000,000   53,000,000 4,000,000   47,000,000    37,000,000    29,000,000 
        less treasury stock, at cost; 9,935,351 shares as of june 30, 2024 and 8,174,876 shares as of december 31, 2023
      		      -341,000,000                        
        less treasury stock, at cost; 8,575,373 shares as of march 31, 2024 and 8,174,876 shares as of december 31, 2023
      		       -296,000,000                       
        receivables, less allowance of 5 and 4, respectively
      		        6,000,000 7,000,000                     
        less treasury stock, at cost; 8,174,876 shares as of december 31, 2023 and 4,562,530 shares as of december 31, 2022
      		        -283,000,000                      
        liabilities and shareholders’ equity:
      		                              
        home service plan claims
      		         93,000,000 108,000,000 81,000,000 103,000,000 123,000,000 124,000,000 81,000,000 88,000,000 99,000,000 110,000,000 85,000,000 90,000,000 95,000,000 95,000,000 55,000,000 66,000,000 78,000,000 84,000,000 61,000,000 67,000,000 77,000,000 
        shareholders’ equity:
      		                              
        less treasury stock, at cost; 6,885,323 shares as of september 30, 2023 and 4,562,530 shares as of december 31, 2022
      		         -238,000,000                     
        total shareholders’ equity
      		         171,000,000 131,000,000 83,000,000 61,000,000                  
        total liabilities and shareholders’ equity
      		         1,168,000,000 1,136,000,000 1,128,000,000 1,082,000,000 1,095,000,000 1,076,000,000 1,058,000,000 1,069,000,000 1,161,000,000 1,135,000,000 1,355,000,000 1,405,000,000 1,407,000,000 1,361,000,000 1,291,000,000 1,250,000,000 1,217,000,000 1,179,000,000 1,097,000,000   
        less treasury stock, at cost; 5,644,110 shares as of june 30, 2023 and 4,562,530 shares as of december 31, 2022
      		          -196,000,000                    
        receivables, less allowance of 3 and 4, respectively
      		           6,000,000                   
        less treasury stock, at cost; 4,570,251 shares as of march 31, 2023 and 4,562,530 shares as of december 31, 2022
      		           -162,000,000                   
        prepaid expenses and other assets
      		            33,000,000 29,000,000 24,000,000 22,000,000 25,000,000 18,000,000 24,000,000 30,000,000 24,000,000 16,000,000 20,000,000 18,000,000 16,000,000 12,000,000 14,000,000 13,000,000 13,000,000 7,000,000 
        deferred taxes
      		            39,000,000 37,000,000 40,000,000 45,000,000 41,000,000 44,000,000 41,000,000 41,000,000 38,000,000 38,000,000 41,000,000 41,000,000 45,000,000 37,000,000 36,000,000 38,000,000 39,000,000 43,000,000 
        other long-term obligations
      		            8,000,000 8,000,000 9,000,000 9,000,000 21,000,000 29,000,000 31,000,000 30,000,000 40,000,000 40,000,000 41,000,000 41,000,000 27,000,000 31,000,000 29,000,000 22,000,000 24,000,000 6,000,000 
        less common stock held in treasury, at cost; 4,562,530 shares as of december 31, 2022 and 2,566,284 shares as of december 31, 2021
      		            -162,000,000                  
        receivables, less allowance of 4 and 2, respectively
      		             4,000,000   7,000,000              
        less common stock held in treasury, at cost; 4,562,530 shares at september 30, 2022 and 2,566,284 shares as of december 31, 2021
      		             -162,000,000                 
        total equity
      		             47,000,000 6,000,000  2,000,000 62,000,000 3,000,000            
        receivables, less allowance of 3 and 2, respectively
      		              6,000,000 5,000,000               
        less common stock held in treasury, at cost; 4,560,832 shares at june 30, 2022 and 2,566,284 shares as of december 31, 2021
      		              -162,000,000                
        less common stock held in treasury, at cost; 3,677,625 shares at march 31, 2022 and 2,566,284 shares as of december 31, 2021
      		               -143,000,000               
        total (deficit) equity
      		               -20,000,000             -344,000,000  
        interest payable
      		                   3,000,000 9,000,000 3,000,000 9,000,000 3,000,000 9,000,000 3,000,000 9,000,000 4,000,000 9,000,000 3,000,000 
        less common stock held in treasury, at cost; 2,566,284 shares as of december 31, 2021
      		                -103,000,000              
        receivables, less allowance of 2 in each period
      		                 5,000,000 5,000,000 4,000,000 5,000,000 10,000,000 9,000,000 8,000,000  8,000,000 9,000,000 8,000,000   
        less common stock held in treasury, at cost; 547,667 shares at september 30, 2021
      		                 -25,000,000             
        accumulated deficit
      		                  -30,000,000 -70,000,000 -75,000,000 -77,000,000 -126,000,000 -174,000,000 -188,000,000 -202,000,000 -263,000,000 -323,000,000 -336,000,000  
        total deficit
      		                   -46,000,000 -61,000,000 -71,000,000 -125,000,000 -178,000,000 -179,000,000 -219,000,000 -278,000,000 -334,000,000   
        receivables, less allowance of 2
      		                        11,000,000      
        receivables, less allowance of 2 and 1, respectively
      		                            12,000,000  
        liabilities and equity:
      		                              
        equity:
      		                              
        net parent investment
      		                             -439,000,000 
        common stock, .01 par value...
      		                            1,000,000  
        total liabilities and equity
      		                            1,041,000,000  
        balance december 31, 2015
      		                              
        net income
      		                             15,000,000 
        stock-based employee compensation
      		                              
        net transfers to parent
      		                             -34,000,000 
        other comprehensive loss, net of tax
      		                              
        balance december 31, 2016
      		                             560,000,000 
        balance december 31, 2017
      		                             661,000,000 
        adoption of asc 606
      		                              
        non-cash distribution to parent
      		                              
        reclassification of net parent investment
      		                              
        issuance of common stock at spin-off
      		                            85,000,000  
        balance december 31, 2018
      		                            85,000,000  
        receivables, less allowances of 2 and 1, respectively
      		                             11,000,000 
        liabilities and parent's equity:
      		                              
        due to parent
      		                             144,000,000 
        parent's equity:
      		                              
        total parent's (deficit) equity
      		                             -439,000,000 
        total liabilities and parent's equity
      		                             1,065,000,000 
        stock-based compensation expense
      		                             1,000,000 
        balance march 31, 2017
      		                             569,000,000 
        balance june 30, 2017
      		                             584,000,000 
        balance september 30, 2017
      		                             627,000,000 
        balance march 31, 2018
      		                             642,000,000 
        balance june 30, 2018
      		                             657,000,000 
        non-cash debt exchange with parent
      		                             -1,000,000,000 
        balance september 30, 2018
      		                             -439,000,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2019-03-31 2018-12-31 
                                     
          cash and cash equivalents at beginning of period
        		0 0 0 421,000,000 0 0 0 325,000,000 0 0 0 292,000,000 0 0 0 262,000,000 0 0 0 597,000,000 0 0 0 428,000,000 0 0 0 296,000,000 0 
          cash flows from operating activities:
        		                             
          net income
        		2,000,000 105,000,000 111,000,000 37,000,000 9,000,000 100,000,000 92,000,000 34,000,000 8,000,000 72,000,000 69,000,000 22,000,000 8,000,000 28,000,000 33,000,000 2,000,000 6,000,000 77,000,000 40,000,000 5,000,000 1,000,000 49,000,000 49,000,000 13,000,000 19,000,000 61,000,000 60,000,000 13,000,000 17,000,000 
          adjustments to reconcile net income to net cash from operating activities:
        		                             
          depreciation and amortization expense
        		23,000,000 22,000,000 21,000,000 23,000,000 11,000,000 10,000,000 9,000,000 9,000,000 9,000,000 10,000,000 9,000,000 9,000,000 9,000,000 8,000,000 9,000,000 8,000,000 8,000,000 8,000,000 10,000,000 9,000,000 9,000,000 7,000,000 10,000,000 8,000,000 6,000,000 6,000,000 6,000,000 6,000,000  
          deferred income tax provision
        		             -6,000,000        0   -4,000,000 2,000,000   2,000,000 
          stock-based compensation expense
        		9,000,000 8,000,000 9,000,000 8,000,000 6,000,000 5,000,000 8,000,000 7,000,000 5,000,000 8,000,000 8,000,000 5,000,000 5,000,000 5,000,000 6,000,000 6,000,000 6,000,000 6,000,000 7,000,000 6,000,000 4,000,000 5,000,000 5,000,000 3,000,000 2,000,000 3,000,000 2,000,000 2,000,000 1,000,000 
          loss on extinguishment of debt
        		                0 0 30,000,000 1,000,000          
          other
        		-2,000,000 -2,000,000 2,000,000 1,000,000 -1,000,000 1,000,000 0 1,000,000 1,000,000 2,000,000   2,000,000 0 1,000,000 -2,000,000 0 2,000,000   -1,000,000 1,000,000   0 2,000,000 1,000,000 1,000,000  
          changes in working capital:
        		                             
          receivables
        		  -2,000,000 1,000,000   -2,000,000 1,000,000  0 0 -1,000,000 -1,000,000 2,000,000 -1,000,000 2,000,000    1,000,000 5,000,000 -1,000,000 -1,000,000 3,000,000 -2,000,000 0 -1,000,000 4,000,000 -1,000,000 
          deferred reinsurance
        		2,000,000 -2,000,000 -1,000,000 -1,000,000                          
          deferred customer acquisition costs
        		-1,000,000 -1,000,000 0 -1,000,000                          
          prepaid expenses and other current assets
        		74,000,000 -69,000,000 -13,000,000 3,000,000 72,000,000 -70,000,000 -6,000,000 2,000,000 69,000,000 -61,000,000 -3,000,000 -6,000,000 65,000,000 -55,000,000 -14,000,000 1,000,000  -45,000,000 -5,000,000 1,000,000 41,000,000 -42,000,000 -3,000,000 2,000,000 34,000,000 -33,000,000 0 1,000,000  
          accounts payable
        		-14,000,000 -2,000,000 30,000,000 5,000,000 -21,000,000 -16,000,000 37,000,000 -7,000,000 -11,000,000 9,000,000 -4,000,000 2,000,000 -8,000,000 -7,000,000 23,000,000 7,000,000 -10,000,000 -7,000,000 16,000,000 11,000,000 -14,000,000 -5,000,000 19,000,000 7,000,000 -7,000,000 -3,000,000 9,000,000 8,000,000 -5,000,000 
          deferred revenue
        		13,000,000 -10,000,000 -72,000,000 61,000,000 3,000,000 -5,000,000 -64,000,000 57,000,000 3,000,000 -9,000,000 -59,000,000 46,000,000 7,000,000 -12,000,000 -65,000,000 35,000,000 9,000,000 -16,000,000 -65,000,000 40,000,000  6,000,000 -55,000,000 40,000,000 8,000,000 -4,000,000 -35,000,000 34,000,000  
          accrued liabilities
        		11,000,000 -23,000,000 32,000,000 -21,000,000 0 -9,000,000 29,000,000 -31,000,000 -5,000,000 -7,000,000 29,000,000 -24,000,000 -19,000,000 0 42,000,000 -13,000,000 -12,000,000 -8,000,000 22,000,000 -8,000,000 -5,000,000 2,000,000 45,000,000 -15,000,000 -11,000,000 -6,000,000 26,000,000 -10,000,000 -8,000,000 
          unearned insurance premium
        		                             
          current income taxes
        		-12,000,000 15,000,000 11,000,000 11,000,000 -26,000,000 5,000,000 2,000,000 11,000,000 -23,000,000 7,000,000 6,000,000 9,000,000 -9,000,000 6,000,000 8,000,000 1,000,000 -6,000,000 2,000,000 13,000,000 -8,000,000  -1,000,000 0 4,000,000 -5,000,000 -7,000,000 12,000,000 -1,000,000  
          net cash from operating activities
        		101,000,000 64,000,000 127,000,000 124,000,000 58,000,000 25,000,000 103,000,000 84,000,000 63,000,000 27,000,000 52,000,000 60,000,000 62,000,000 -14,000,000 47,000,000 47,000,000 43,000,000 23,000,000 67,000,000 52,000,000 53,000,000 14,000,000 80,000,000 60,000,000 46,000,000 14,000,000 88,000,000 52,000,000 63,000,000 
          capital expenditures
        		-6,000,000 -6,000,000 -7,000,000 -7,000,000 -8,000,000 -9,000,000 -12,000,000 -10,000,000 -9,000,000 -8,000,000 -7,000,000 -8,000,000 -10,000,000 -11,000,000 -10,000,000 -9,000,000 -8,000,000 -8,000,000 -8,000,000 -7,000,000 -6,000,000 -8,000,000 -10,000,000 -8,000,000 -7,000,000 -5,000,000 -6,000,000 -4,000,000 -6,000,000 
          free cash flows
        		95,000,000 58,000,000 120,000,000 117,000,000 50,000,000 16,000,000 91,000,000 74,000,000 54,000,000 19,000,000 45,000,000 52,000,000 52,000,000 -25,000,000 37,000,000 38,000,000 35,000,000 15,000,000 59,000,000 45,000,000 47,000,000 6,000,000 70,000,000 52,000,000 39,000,000 9,000,000 82,000,000 48,000,000 57,000,000 
          cash flows from investing activities:
        		                             
          purchases of property and equipment
        		-6,000,000 -6,000,000 -7,000,000 -7,000,000 -8,000,000 -9,000,000 -12,000,000 -10,000,000 -9,000,000 -8,000,000 -7,000,000 -8,000,000 -10,000,000 -11,000,000 -10,000,000 -9,000,000 -8,000,000 -8,000,000 -8,000,000 -7,000,000 -6,000,000 -8,000,000 -10,000,000 -8,000,000 -7,000,000 -5,000,000 -6,000,000 -4,000,000 -6,000,000 
          business acquisitions, net of cash acquired
        		0 0                            
          purchases of available-for-sale securities
        		0 0 0 -6,000,000                 0 0 0 -2,000,000 0    1,000,000 
          sales and maturities of available-for-sale securities
        		0 0 0 60,000,000                 0 2,000,000 0 7,000,000 0 5,000,000 1,000,000 3,000,000 -1,000,000 
          net cash from investing activities
        		-6,000,000 -5,000,000 -5,000,000 47,000,000 -591,000,000 -9,000,000 -12,000,000 -10,000,000 -9,000,000 -8,000,000 -7,000,000 -8,000,000 -10,000,000 -6,000,000 -11,000,000 -8,000,000 -8,000,000 -8,000,000 -8,000,000 -7,000,000 -6,000,000 -6,000,000 -16,000,000 -3,000,000 -42,000,000 -7,000,000 -7,000,000 -5,000,000  
          cash flows from financing activities:
        		                             
          borrowings of debt, net of discount
        		                0 0            
          repayments of debt
        		-7,000,000 -8,000,000 -7,000,000 -7,000,000 -585,000,000 -5,000,000 -4,000,000 -4,000,000 -4,000,000 -5,000,000 -4,000,000 -4,000,000                  
          debt issuance costs paid
        		                            0 
          repurchases of common stock
        		-88,000,000 -60,000,000 -64,000,000 -71,000,000                          
          other financing activities
        		2,000,000 10,000,000 4,000,000 -7,000,000 7,000,000 6,000,000 0 -4,000,000   1,000,000 -3,000,000 0 0 1,000,000 -3,000,000 1,000,000 0 1,000,000 -3,000,000  0 0 -1,000,000      
          net cash from financing activities
        		-92,000,000 -57,000,000 -68,000,000 -85,000,000 578,000,000 -60,000,000 -50,000,000 -21,000,000 -49,000,000 -44,000,000 -37,000,000 -7,000,000 -3,000,000 -5,000,000 -22,000,000 -47,000,000 -82,000,000 -29,000,000 -273,000,000 -105,000,000 -1,000,000 -2,000,000 -1,000,000 -3,000,000 -1,000,000 -2,000,000 -2,000,000 -2,000,000 -67,000,000 
          cash increase during the period
        		3,000,000 1,000,000 56,000,000 85,000,000 46,000,000 -43,000,000 40,000,000 53,000,000 6,000,000 -24,000,000 7,000,000 45,000,000     -46,000,000 -15,000,000 -215,000,000 -59,000,000 47,000,000 5,000,000 64,000,000 54,000,000 3,000,000 5,000,000 79,000,000 45,000,000 -9,000,000 
          cash and cash equivalents at end of period
        		3,000,000 1,000,000 56,000,000 506,000,000 46,000,000 -44,000,000 41,000,000 378,000,000 5,000,000 -24,000,000 7,000,000 337,000,000 48,000,000 -25,000,000 14,000,000 255,000,000 -47,000,000 -14,000,000 -215,000,000 538,000,000 46,000,000 6,000,000 63,000,000 482,000,000 3,000,000 5,000,000 79,000,000 341,000,000 -9,000,000 
          deferred income tax benefit
        		 14,000,000 -3,000,000 -1,000,000     -1,000,000 -4,000,000 -6,000,000 -2,000,000                  
          changes in:
        		                             
          deferred insurance premiums
        		 1,000,000 4,000,000 2,000,000                          
          restructuring charges
        		   1,000,000 3,000,000 4,000,000   10,000,000 5,000,000 0 1,000,000 2,000,000 6,000,000   1,000,000 0 1,000,000 1,000,000 4,000,000 0 1,000,000 3,000,000     0 
          payments for restructuring charges
        		  -1,000,000 -4,000,000 -3,000,000 0 -2,000,000 -1,000,000 -4,000,000 -1,000,000 -1,000,000 -1,000,000 -3,000,000 -1,000,000   -1,000,000 0 0 -1,000,000 -3,000,000 0 0 -3,000,000      
          deferred policy acquisition costs
        		                             
          unpaid losses and loss adjustment reserves
        		                             
          goodwill and intangibles impairment
        		            0                 
          other investing activities
        		            -1,000,000            -1,000,000 0 0 -3,000,000  
          repurchase of common stock
        		     -62,000,000 -45,000,000 -13,000,000 -45,000,000 -42,000,000   0 0 -19,000,000 -40,000,000 -78,000,000             
          adjustments to reconcile net income to net cash provided ‎ from operating activities:
        		                             
          accrued interest payable
        		                0 0 -3,000,000 -6,000,000    -6,000,000    -6,000,000  
          debt issuance cost paid
        		                0 0            
          call premium paid on retired debt
        		                0 0            
          change in working capital:
        		                             
          business acquisitions, net of cash received
        		                     0    0    
          payments of debt and finance lease obligations
        		            -4,000,000 -5,000,000 -4,000,000 -4,000,000 -4,000,000    -2,000,000 -2,000,000 -1,000,000 -2,000,000 -2,000,000 -1,000,000 -2,000,000 -2,000,000  
          cash decrease during the period
        		               -8,000,000              
          change in working capital, net of acquisitions:
        		                             
          spin-off charges
        		                        0 0 0 1,000,000 1,000,000 
          payments for spin-off charges
        		                        0 0 0 -1,000,000 -1,000,000 
          cash flows from investing activities
        		                             
          cash flows from financing activities
        		                             
          payments of debt
        		                  -883,000,000 -102,000,000          
          net transfers to former parent
        		                             
          discount paid on issuance of debt
        		                             
          net transfers to parent
        		                            -63,000,000 
          adjustments to reconcile net income to net cash provided from operating activities:
        		                             
          depreciation expense
        		                            4,000,000 
          amortization expense
        		                            2,000,000 
          gain on sale of marketable securities
        		                             
          other current assets
        		                             
          other business acquisitions, net of cash acquired
        		                             
          payments of debt and capital lease obligations
        		                             
          prepaid expenses and other assets
        		                             
          net cash (used for) provided from investing activities
        		                             
          payments on seller financed debt and capital lease obligations