13. LEASES

 

The Company’s operating lease expense as presented in general and administrative expense in the Consolidated Statements of Income was $3.9 million, $4.3 million, and $4.6 million for the twelve months ended December 31, 2025, 2024, and 2023, respectively. Cash paid for amounts included in the measurement of operating lease liabilities was $4.0 million and $4.3 million for the years ended December 31, 2025 and 2024, respectively. As of December 31, 2025 and 2024, the weighted-average remaining lease term was 5.7 years and 6.6 years, respectively, and the weighted-average incremental borrowing rate was 6%. As of December 31, 2025, the Company did not have any leases that had not yet commenced.

 

The table below presents the lease-related assets and liabilities recorded on the Consolidated Balance Sheets as of  December 31, 2025 and 2024 (in thousands).

 

   

Year Ended December 31,

 
   

2025

  

2024

 

Assets

Classification

        

Operating lease right-of-use assets

Operating lease right of use assets, net

 $15,272  $17,453 

Total leased assets

 $15,272  $17,453 

Liabilities

         

Operating lease liabilities, current

Accounts payable and accrued expenses

 $2,893  $2,802 

Operating lease liabilities, noncurrent

Operating lease liability, noncurrent

  14,684   17,366 

Total operating lease liabilities

 $17,577  $20,168 

 

The table below presents the maturities of lease liabilities under non-cancellable leases as of  December 31, 2025 (in thousands).

 

2026

 $3,866 

2027

  3,385 

2028

  3,453 

2029

  3,522 

2030

  3,592 

Thereafter

  3,049 

Total undiscounted lease payments

 $20,867 

Less imputed interest

  3,290 

Total lease liabilities

 $17,577 

 

During the year ended  December 31, 2025, the Company entered into an agreement to sublease a portion of its office space in the Capitol View building in Nashville, Tennessee to optimize the workforce performance to deliver positive results for customers, employees, and shareholders. The Company's corporate headquarters remains in Nashville in the Capitol View building, while the Company continues to hire new employees both locally and nationally to support growth. The sublease commenced in April 2025 and will expire in October 2031. The Company recorded sublease income, net of initial direct costs amortization, of $2.3 million during the year ended December 31, 2025. In addition, the Company expects to record sublease income, net, of approximately $3.2 million annually for the next five years and $2.6 million thereafter. 

 

Historical Timeline

Fiscal YearFiled
2025Feb 27, 2026Showing above
2022Feb 28, 2023

About Leases Disclosures

Lease disclosures under ASC 842 provide a comprehensive view of a company's leased asset portfolio, including the split between operating and finance leases, discount rates used to present-value future payments, and the maturity schedule of lease obligations. This section reveals a significant source of off-balance-sheet commitments that were largely hidden before the current standard.

Key signals: the weighted-average discount rate affects the size of recorded lease liabilities — a higher rate reduces the reported obligation, so compare the chosen rate against the company's incremental borrowing rate. The operating versus finance lease mix affects both EBITDA and operating income presentation. Watch the maturity table for concentration risk: large payment cliffs in specific years may create cash flow pressure. Variable lease payments excluded from the liability measurement represent real obligations that do not appear on the balance sheet. Compare total lease costs against prior-year operating lease expense to assess the true economic burden.