GOOSEHEAD INSURANCE INC -A (GSHD) Stock Fundamental Analysis
NASDAQ:GSHD • US38267D1090
48.48 USD
+2.66 (+5.81%)
Last: Feb 24, 2026, 01:23 PM
GSHD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 150 industry peers in the Insurance industry. Both the profitability and the financial health of GSHD get a neutral evaluation. Nothing too spectacular is happening here. GSHD is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
- GSHD had positive earnings in the past year.
- GSHD had a positive operating cash flow in the past year.
- GSHD had positive earnings in each of the past 5 years.
- In the past 5 years GSHD always reported a positive cash flow from operatings.
1.2 Ratios
- GSHD has a better Return On Assets (6.71%) than 90.00% of its industry peers.
- The Return On Invested Capital of GSHD (20.65%) is better than 98.00% of its industry peers.
- GSHD had an Average Return On Invested Capital over the past 3 years of 16.53%. This is in line with the industry average of 15.13%.
- The last Return On Invested Capital (20.65%) for GSHD is above the 3 year average (16.53%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.71% | ||
| ROE | N/A | ||
| ROIC | 20.65% |
ROA(3y)6.11%
ROA(5y)4.11%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.53%
ROIC(5y)11.5%
1.3 Margins
- GSHD has a Profit Margin (7.62%) which is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of GSHD has remained more or less at the same level.
- GSHD's Operating Margin of 20.38% is fine compared to the rest of the industry. GSHD outperforms 70.67% of its industry peers.
- In the last couple of years the Operating Margin of GSHD has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.38% | ||
| PM (TTM) | 7.62% | ||
| GM | N/A |
OM growth 3Y61.67%
OM growth 5Y3.68%
PM growth 3Y198.47%
PM growth 5Y-0.84%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- GSHD has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- Compared to 1 year ago, GSHD has less shares outstanding
- GSHD has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for GSHD is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.74 indicates that GSHD is not a great score, but indicates only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 2.74, GSHD belongs to the top of the industry, outperforming 95.33% of the companies in the same industry.
- GSHD has a debt to FCF ratio of 4.30. This is a neutral value as GSHD would need 4.30 years to pay back of all of its debts.
- GSHD has a worse Debt to FCF ratio (4.30) than 61.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.3 | ||
| Altman-Z | 2.74 |
ROIC/WACC2.39
WACC8.65%
2.3 Liquidity
- GSHD has a Current Ratio of 0.08. This is a bad value and indicates that GSHD is not financially healthy enough and could expect problems in meeting its short term obligations.
- GSHD's Current ratio of 0.08 is fine compared to the rest of the industry. GSHD outperforms 64.67% of its industry peers.
- GSHD has a Quick Ratio of 0.08. This is a bad value and indicates that GSHD is not financially healthy enough and could expect problems in meeting its short term obligations.
- GSHD's Quick ratio of 0.08 is fine compared to the rest of the industry. GSHD outperforms 64.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.08 | ||
| Quick Ratio | 0.08 |
3. Growth
3.1 Past
- GSHD shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.50%.
- The Earnings Per Share has been growing by 19.79% on average over the past years. This is quite good.
- Looking at the last year, GSHD shows a quite strong growth in Revenue. The Revenue has grown by 16.15% in the last year.
- Measured over the past years, GSHD shows a very strong growth in Revenue. The Revenue has been growing by 25.57% on average per year.
EPS 1Y (TTM)-7.5%
EPS 3Y49.83%
EPS 5Y19.79%
EPS Q2Q%-18.99%
Revenue 1Y (TTM)16.15%
Revenue growth 3Y20.38%
Revenue growth 5Y25.57%
Sales Q2Q%12.07%
3.2 Future
- The Earnings Per Share is expected to grow by 28.36% on average over the next years. This is a very strong growth
- Based on estimates for the next years, GSHD will show a very strong growth in Revenue. The Revenue will grow by 31.13% on average per year.
EPS Next Y18.03%
EPS Next 2Y26.18%
EPS Next 3Y28.96%
EPS Next 5Y28.36%
Revenue Next Year18.89%
Revenue Next 2Y20.38%
Revenue Next 3Y20.13%
Revenue Next 5Y31.13%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 26.21, GSHD can be considered very expensive at the moment.
- Compared to the rest of the industry, the Price/Earnings ratio of GSHD indicates a slightly more expensive valuation: GSHD is more expensive than 74.00% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of GSHD to the average of the S&P500 Index (26.64), we can say GSHD is valued inline with the index average.
- With a Price/Forward Earnings ratio of 22.20, GSHD is valued on the expensive side.
- Based on the Price/Forward Earnings ratio, GSHD is valued a bit more expensive than 74.00% of the companies in the same industry.
- GSHD's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.75.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.21 | ||
| Fwd PE | 22.2 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, GSHD is valued a bit more expensive than 61.33% of the companies in the same industry.
- GSHD's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 68.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.25 | ||
| EV/EBITDA | 22.7 |
4.3 Compensation for Growth
- GSHD's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- The decent profitability rating of GSHD may justify a higher PE ratio.
- A more expensive valuation may be justified as GSHD's earnings are expected to grow with 28.96% in the coming years.
PEG (NY)1.45
PEG (5Y)1.32
EPS Next 2Y26.18%
EPS Next 3Y28.96%
5. Dividend
5.1 Amount
- No dividends for GSHD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:GSHD (2/24/2026, 1:23:51 PM)
48.48
+2.66 (+5.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-17 2026-02-17/amc
Earnings (Next)04-21 2026-04-21/amc
Inst Owners111%
Inst Owner Change-6.03%
Ins Owners4.26%
Ins Owner Change0.23%
Market Cap1.79B
Revenue(TTM)365.30M
Net Income(TTM)27.83M
Analysts73.33
Price Target92.62 (91.05%)
Short Float %9.55%
Short Ratio6.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend3.95
Dividend Growth(5Y)26.4%
DP523.83%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.75%
Min EPS beat(2)-1.61%
Max EPS beat(2)9.11%
EPS beat(4)2
Avg EPS beat(4)5.15%
Min EPS beat(4)-3.98%
Max EPS beat(4)17.09%
EPS beat(8)6
Avg EPS beat(8)20.62%
EPS beat(12)9
Avg EPS beat(12)47.81%
EPS beat(16)11
Avg EPS beat(16)44.12%
Revenue beat(2)1
Avg Revenue beat(2)-0.31%
Min Revenue beat(2)-3.77%
Max Revenue beat(2)3.15%
Revenue beat(4)1
Avg Revenue beat(4)-2.01%
Min Revenue beat(4)-6.08%
Max Revenue beat(4)3.15%
Revenue beat(8)3
Avg Revenue beat(8)0.49%
Revenue beat(12)6
Avg Revenue beat(12)0.22%
Revenue beat(16)9
Avg Revenue beat(16)0.85%
PT rev (1m)-1.52%
PT rev (3m)-3.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.68%
EPS NY rev (1m)0%
EPS NY rev (3m)1.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.21 | ||
| Fwd PE | 22.2 | ||
| P/S | 4.89 | ||
| P/FCF | 26.25 | ||
| P/OCF | 19.46 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 22.7 |
EPS(TTM)1.85
EY3.82%
EPS(NY)2.18
Fwd EY4.5%
FCF(TTM)1.85
FCFY3.81%
OCF(TTM)2.49
OCFY5.14%
SpS9.92
BVpS-2.59
TBVpS-3.67
PEG (NY)1.45
PEG (5Y)1.32
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.71% | ||
| ROE | N/A | ||
| ROCE | 23.62% | ||
| ROIC | 20.65% | ||
| ROICexc | 23.18% | ||
| ROICexgc | 27.8% | ||
| OM | 20.38% | ||
| PM (TTM) | 7.62% | ||
| GM | N/A | ||
| FCFM | 18.62% |
ROA(3y)6.11%
ROA(5y)4.11%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.53%
ROIC(5y)11.5%
ROICexc(3y)19.4%
ROICexc(5y)13.47%
ROICexgc(3y)22.45%
ROICexgc(5y)15.39%
ROCE(3y)18.91%
ROCE(5y)13.15%
ROICexgc growth 3Y79.44%
ROICexgc growth 5Y10.82%
ROICexc growth 3Y71.52%
ROICexc growth 5Y7.75%
OM growth 3Y61.67%
OM growth 5Y3.68%
PM growth 3Y198.47%
PM growth 5Y-0.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.88
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.3 | ||
| Debt/EBITDA | 3.38 | ||
| Cap/Depr | 210.48% | ||
| Cap/Sales | 6.49% | ||
| Interest Coverage | 3.43 | ||
| Cash Conversion | 107.04% | ||
| Profit Quality | 244.46% | ||
| Current Ratio | 0.08 | ||
| Quick Ratio | 0.08 | ||
| Altman-Z | 2.74 |
F-Score5
WACC8.65%
ROIC/WACC2.39
Cap/Depr(3y)175.95%
Cap/Depr(5y)201.23%
Cap/Sales(3y)5.89%
Cap/Sales(5y)6.77%
Profit Quality(3y)221.44%
Profit Quality(5y)977.38%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.5%
EPS 3Y49.83%
EPS 5Y19.79%
EPS Q2Q%-18.99%
EPS Next Y18.03%
EPS Next 2Y26.18%
EPS Next 3Y28.96%
EPS Next 5Y28.36%
Revenue 1Y (TTM)16.15%
Revenue growth 3Y20.38%
Revenue growth 5Y25.57%
Sales Q2Q%12.07%
Revenue Next Year18.89%
Revenue Next 2Y20.38%
Revenue Next 3Y20.13%
Revenue Next 5Y31.13%
EBIT growth 1Y21.77%
EBIT growth 3Y94.62%
EBIT growth 5Y30.2%
EBIT Next Year75.43%
EBIT Next 3Y43.47%
EBIT Next 5Y33.19%
FCF growth 1Y14.62%
FCF growth 3Y43.32%
FCF growth 5Y36.67%
OCF growth 1Y28.25%
OCF growth 3Y36.95%
OCF growth 5Y30.08%
GOOSEHEAD INSURANCE INC -A / GSHD FAQ
What is the fundamental rating for GSHD stock?
ChartMill assigns a fundamental rating of 5 / 10 to GSHD.
What is the valuation status for GSHD stock?
ChartMill assigns a valuation rating of 2 / 10 to GOOSEHEAD INSURANCE INC -A (GSHD). This can be considered as Overvalued.
How profitable is GOOSEHEAD INSURANCE INC -A (GSHD) stock?
GOOSEHEAD INSURANCE INC -A (GSHD) has a profitability rating of 6 / 10.
Can you provide the financial health for GSHD stock?
The financial health rating of GOOSEHEAD INSURANCE INC -A (GSHD) is 3 / 10.
What is the earnings growth outlook for GOOSEHEAD INSURANCE INC -A?
The Earnings per Share (EPS) of GOOSEHEAD INSURANCE INC -A (GSHD) is expected to grow by 18.03% in the next year.