Note 13. Segments

We operate as one operating and reportable segment. The majority of our revenue is generated from home warranty contracts entered into with our customers. The accounting policies applied to our one operating and reportable segment are described in Note 2.

Our chief operating decision maker (“CODM”), who is our Chief Executive Officer, regularly evaluates financial information, primarily revenue, net income and other measures, on a consolidated basis in deciding how to allocate resources and in assessing performance. Additionally, consolidated revenue is one key component of our incentive compensation program.

Information for our one operating and reportable segment is as follows:

 

 

 

Year Ended
December 31,

 

(In millions)

 

2025

 

 

2024

 

 

2023

 

Revenue

 

$

 

2,093

 

 

$

 

1,843

 

 

$

 

1,780

 

Cost of services rendered

 

 

 

936

 

 

 

 

852

 

 

 

 

895

 

Sales and marketing costs

 

 

 

315

 

 

 

 

307

 

 

 

 

299

 

Customer service costs

 

 

 

117

 

 

 

 

104

 

 

 

 

106

 

General and administrative costs

 

 

 

236

 

 

 

 

201

 

 

 

 

176

 

Other segment items (1)

 

 

 

235

 

 

 

 

145

 

 

 

 

133

 

Net Income

 

$

 

255

 

 

$

 

235

 

 

$

 

171

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Assets

 

$

 

2,142

 

 

$

 

2,107

 

 

$

 

1,089

 

(1)
Other segment items include depreciation and amortization expense, restructuring charges, interest expense, interest and net investment income, loss on extinguishment of debt and provision for income taxes.

Historical Timeline

Fiscal YearFiled
2025Feb 26, 2026Showing above
2024Feb 27, 2025

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.