8. SEGMENT INFORMATION

Our business consists of two reportable segments: Installation Services and Specialty Distribution. We operate primarily in the U.S. and to a lesser extent Canada.

Our Installation Services segment installs insulation, commercial roofing and other building products. It sells primarily to the residential new construction market, with increasing activity in the commercial/industrial construction market, along with repair/remodel of residential housing. In addition, it provides commercial roofing installation services that includes re-roofing, recurring maintenance services, and new construction.  Installation Services also installs other building products including glass and windows, rain gutters, garage doors, closet shelving, and fireplaces, among other items.

Our Specialty Distribution segment distributes building and mechanical insulation, insulation accessories and other building product materials for the residential and commercial/industrial end markets. In addition to insulation and accessories, it distributes rain gutters, closet shelving, and roofing materials, among other items. Distributed products are sold from distribution centers in various parts of the United States and Canada, primarily to contractors and dealers (including lumber yards) serving a wide variety of commercial/industrial markets.

Intercompany sales from the Specialty Distribution segment to the Installation Services segment are recorded by the Specialty Distribution segment with a profit margin and by our Installation Services segment at cost. This intercompany profit is eliminated in consolidation.

Our CODM is our Chief Executive Officer. Our CODM measures performance for our reportable segments based on segment net sales and operating profit. Our CODM uses these measures to evaluate resource allocation and other strategic initiatives (e.g., making acquisitions and internal investments). Segment performance measures are compared to budgeted and forecasted amounts periodically to assist in evaluating performance versus expectations and to inform future allocation and strategic decisions.

For the Year Ended December 31, 2025

Installation Services

Specialty Distribution

Total

Net sales from external customers

$

3,182,853

$

2,226,233

$

5,409,086

Intercompany net sales

297,090

297,090

Segment net sales

3,182,853

2,523,323

5,706,176

Reconciliation of Net Sales

Elimination of intercompany net sales

(297,090)

Consolidated net sales

$

5,409,086

Less (a):

Cost of sales (b)

2,155,217

1,928,082

4,083,299

Selling, general and administrative expenses (c)

438,142

272,275

710,417

Segment operating profit

589,494

322,966

912,460

Reconciliation of Segment Operating Profit

Elimination of intercompany profit

(53,880)

General corporate expense, net (d)

(66,647)

Other expense, net (e)

(88,350)

Consolidated income before taxes

$

703,583

(a) The significant expense categories align with the segment-level information that is regularly provided to our CODM.

(b) Cost of sales is primarily composed of labor, material costs and overhead. Includes $12.5 million of one-time charges ($6.1 million and $6.4 million for Installation Services and Specialty Distribution segments, respectively) to optimize our branch footprint and align our cost structure with current demand levels and are primarily related to non-cash facility impairment and severance. Cost of sales for Specialty Distribution also includes one-time purchase accounting inventory step-up of $11.4 million fully amortized in the fourth quarter of 2025, related to the acquisition of SPI.

(c) Selling, general and administrative expenses primarily include allocation of corporate overhead, bad debt, bank fees, employee compensation, insurance, legal and consulting, office equipment & supplies, selling expenses, telecommunication & subscriptions, and travel & entertainment. Includes $2.0 million of one-time charges ($1.1 million for our Installation Services segment, $0.7 million for our Specialty Distribution segment and $0.2 million for our Branch Support Center) to align our cost structure with current demand levels and are primarily related to severance.

(d) General corporate expense, net includes expenses for functions such as corporate human resources, finance, and legal, including salaries, benefits, and other related costs.

(e) Other expense, net is presented on the accompanying Consolidated Statement of Operations and is primarily composed of interest expense and interest income.

For the Year Ended December 31, 2024

Installation Services

Specialty Distribution

Total

Net sales from external customers

$

3,294,630

$

2,035,173

$

5,329,803

Intercompany net sales

305,664

305,664

Segment net sales

3,294,630

2,340,837

5,635,467

Reconciliation of Net Sales

Elimination of intercompany net sales

(305,664)

Consolidated net sales

$

5,329,803

Less (a):

Cost of sales (b)

2,204,269

1,756,447

3,960,716

Selling, general and administrative expenses (c)

441,199

231,959

673,158

Segment operating profit

649,162

352,431

1,001,593

Reconciliation of Segment Operating Profit

Elimination of intercompany profit

(49,834)

General corporate expense, net (d)

(65,416)

Other expense, net (e)

(45,555)

Consolidated income before taxes

$

840,788

(a) The significant expense categories align with the segment-level information that is regularly provided to our CODM.

(b) Cost of sales is primarily composed of labor, material costs and overhead.

(c) Selling, general and administrative expenses primarily include allocation of corporate overhead, bad debt, bank fees, employee compensation, insurance, legal and consulting, office equipment & supplies, selling expenses, telecommunication & subscriptions, and travel & entertainment.

(d) General corporate expense, net includes expenses for functions such as corporate human resources, finance, and legal, including salaries, benefits, and other related costs. In our second quarter of 2024, we incurred an acquisition termination fee of $23.0 million (see Note 15 – Business Combinations).

(e) Other expense, net is presented on the accompanying Consolidated Statement of Operations and is primarily composed of interest expense and interest income.

For the Year Ended December 31, 2023

Installation Services

Specialty Distribution

Total

Net sales from external customers

$

3,188,232

$

2,006,462

$

5,194,694

Intercompany net sales

261,877

261,877

Segment net sales

3,188,232

2,268,339

5,456,571

Reconciliation of Net Sales

Elimination of intercompany net sales

(261,877)

Consolidated net sales

$

5,194,694

Less (a):

Cost of sales (b)

2,101,751

1,706,562

3,808,313

Selling, general and administrative expenses (c)

442,089

230,839

672,928

Segment operating profit

644,392

330,938

975,330

Reconciliation of Segment Operating Profit

Elimination of intercompany profit

(44,438)

General corporate expense, net (d)

(52,067)

Other expense, net (e)

(53,342)

Consolidated income before taxes

$

825,483

(a) The significant expense categories align with the segment-level information that is regularly provided to our CODM.

(b) Cost of sales is primarily composed of labor, material costs and overhead.

(c) Selling, general and administrative expenses primarily include allocation of corporate overhead, bad debt, bank fees, employee compensation, insurance, legal and consulting, office equipment & supplies, selling expenses, telecommunication & subscriptions, and travel & entertainment.

(d) General corporate expense, net includes expenses for functions such as corporate human resources, finance, and legal, including salaries, benefits, and other related costs.

(e) Other expense, net is presented on the accompanying Consolidated Statement of Operations and is primarily composed of interest expense and interest income.

Key information by segment is as follows for the years ended December 31, 2025, 2024 and 2023, in thousands:

2025

Installation Services

Specialty Distribution

Total Reportable Segments

Other (a)

Consolidated Totals

Depreciation and amortization (b)

$

93,506

$

69,763

$

163,269

$

6,103

$

169,372

Property additions (c)

40,041

37,272

77,313

7,547

84,860

Total assets

3,111,159

3,352,264

6,463,423

141,889

6,605,312

2024

Installation Services

Specialty Distribution

Total Reportable Segments

Other (a)

Consolidated Totals

Depreciation and amortization (b)

$

75,230

$

60,157

$

135,387

$

5,104

$

140,491

Property additions (c)

46,623

20,801

67,424

7,298

74,722

Total assets

2,226,358

2,078,482

4,304,840

430,586

4,735,426

2023

Installation Services

Specialty Distribution

Total Reportable Segments

Other (a)

Consolidated Totals

Depreciation and amortization (b)

$

69,123

$

59,607

$

128,730

$

4,148

$

132,878

Property additions (c)

48,076

18,859

66,935

8,394

75,329

(a) Represents amounts held at Corporate not specifically attributed to or allocated to the segments.

(b) Represents total by segment, inclusive of amounts presented within cost of sales and selling, general and administrative expenses, as applicable.

(c) Property additions include assets acquired in business combinations in each respective year.

Historical Timeline

Fiscal YearFiled
2025Feb 26, 2026Showing above
2024Feb 25, 2025
2023Feb 28, 2024
2022Feb 23, 2023
2021Feb 22, 2022
2020Feb 23, 2021
2019Feb 25, 2020
2018Feb 26, 2019
2017Feb 27, 2018
2016Feb 28, 2017
2015Mar 3, 2016

About Segments Disclosures

Segment disclosures break a company into its reportable operating units, revealing revenue, profit, and asset allocation that consolidated financial statements obscure. Under ASC 280, segments must match how the chief operating decision maker views the business, providing a window into internal management structure and resource allocation priorities.

Key signals: compare segment margins to identify which units drive profitability and which destroy value. Watch for changes in the number of reportable segments — segment aggregation or disaggregation often coincides with strategic shifts or attempts to obscure declining performance. Intersegment elimination patterns reveal internal pricing practices. The reconciliation between segment totals and consolidated figures exposes corporate overhead allocation and unallocated items. Geographic revenue concentration highlights regulatory and currency exposure. Compare segment-level capital expenditure against segment revenue to assess where management is investing for future growth versus harvesting existing assets.