GOOSEHEAD INSURANCE INC -A (GSHD) Stock Fundamental Analysis
NASDAQ:GSHD • US38267D1090
55.33 USD
+1.13 (+2.08%)
At close: Mar 2, 2026
55.33 USD
0 (0%)
After Hours: 3/2/2026, 4:30:02 PM
Taking everything into account, GSHD scores 5 out of 10 in our fundamental rating. GSHD was compared to 149 industry peers in the Insurance industry. GSHD has an average financial health and profitability rating. GSHD is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
- GSHD had positive earnings in the past year.
- In the past year GSHD had a positive cash flow from operations.
- GSHD had positive earnings in each of the past 5 years.
- Each year in the past 5 years GSHD had a positive operating cash flow.
1.2 Ratios
- GSHD has a Return On Assets of 6.71%. This is amongst the best in the industry. GSHD outperforms 89.26% of its industry peers.
- GSHD's Return On Invested Capital of 20.65% is amongst the best of the industry. GSHD outperforms 97.32% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for GSHD is in line with the industry average of 15.11%.
- 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
- Looking at the Profit Margin, with a value of 7.62%, GSHD is in line with its industry, outperforming 48.32% of the companies in the same industry.
- In the last couple of years the Profit Margin of GSHD has remained more or less at the same level.
- GSHD has a better Operating Margin (20.38%) than 75.17% 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
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so GSHD 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
- GSHD has an Altman-Z score of 3.10. This indicates that GSHD is financially healthy and has little risk of bankruptcy at the moment.
- GSHD has a Altman-Z score of 3.10. This is amongst the best in the industry. GSHD outperforms 96.64% of its industry peers.
- The Debt to FCF ratio of GSHD is 4.30, which is a neutral value as it means it would take GSHD, 4.30 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 4.30, GSHD is not doing good in the industry: 61.07% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.3 | ||
| Altman-Z | 3.1 |
ROIC/WACC2.37
WACC8.72%
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 has a better Current ratio (0.08) than 63.09% 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.
- Looking at the Quick ratio, with a value of 0.08, GSHD is in the better half of the industry, outperforming 63.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.08 | ||
| Quick Ratio | 0.08 |
3. Growth
3.1 Past
- The earnings per share for GSHD have decreased by -7.50% in the last year.
- GSHD shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.79% yearly.
- The Revenue has grown by 16.15% in the past year. This is quite good.
- 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
- Based on estimates for the next years, GSHD will show a very strong growth in Earnings Per Share. The EPS will grow by 28.36% on average per year.
- The Revenue is expected to grow by 31.13% on average over the next years. This is a very strong growth
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 29.91, GSHD can be considered very expensive at the moment.
- GSHD's Price/Earnings ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 76.51% of the companies in the same industry.
- When comparing the Price/Earnings ratio of GSHD to the average of the S&P500 Index (27.07), we can say GSHD is valued inline with the index average.
- The Price/Forward Earnings ratio is 25.34, which means the current valuation is very expensive for GSHD.
- Based on the Price/Forward Earnings ratio, GSHD is valued a bit more expensive than the industry average as 76.51% of the companies are valued more cheaply.
- GSHD is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.91 | ||
| Fwd PE | 25.34 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, GSHD is valued a bit more expensive than the industry average as 62.42% of the companies are valued more cheaply.
- GSHD's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 69.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.96 | ||
| EV/EBITDA | 26.3 |
4.3 Compensation for Growth
- GSHD's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- GSHD has a very decent profitability rating, which may justify a higher PE ratio.
- GSHD's earnings are expected to grow with 28.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.66
PEG (5Y)1.51
EPS Next 2Y26.18%
EPS Next 3Y28.96%
5. Dividend
5.1 Amount
- GSHD does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
55.33
+1.13 (+2.08%)
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 Change0.45%
Market Cap2.04B
Revenue(TTM)365.30M
Net Income(TTM)27.83M
Analysts73.33
Price Target79.15 (43.05%)
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)-15.84%
PT rev (3m)-17.18%
EPS NQ rev (1m)-12.35%
EPS NQ rev (3m)-11.03%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.66%
Revenue NQ rev (1m)-3.84%
Revenue NQ rev (3m)-4.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.91 | ||
| Fwd PE | 25.34 | ||
| P/S | 5.58 | ||
| P/FCF | 29.96 | ||
| P/OCF | 22.21 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 26.3 |
EPS(TTM)1.85
EY3.34%
EPS(NY)2.18
Fwd EY3.95%
FCF(TTM)1.85
FCFY3.34%
OCF(TTM)2.49
OCFY4.5%
SpS9.92
BVpS-2.59
TBVpS-3.67
PEG (NY)1.66
PEG (5Y)1.51
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 | 3.1 |
F-Score5
WACC8.72%
ROIC/WACC2.37
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 4 / 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.