GOOSEHEAD INSURANCE INC -A (GSHD) Fundamental Analysis & Valuation

NASDAQ:GSHD • US38267D1090

Current stock price

43.52 USD
-1.27 (-2.84%)
At close:
43.52 USD
0 (0%)
After Hours:

This GSHD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. GSHD Profitability Analysis

1.1 Basic Checks

  • In the past year GSHD was profitable.
  • In the past year GSHD had a positive cash flow from operations.
  • In the past 5 years GSHD has always been profitable.
  • Each year in the past 5 years GSHD had a positive operating cash flow.
GSHD Yearly Net Income VS EBIT VS OCF VS FCFGSHD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 7.73%, GSHD belongs to the top of the industry, outperforming 88.44% of the companies in the same industry.
  • GSHD has a better Return On Invested Capital (24.29%) than 97.96% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for GSHD is significantly above the industry average of 9.60%.
  • The last Return On Invested Capital (24.29%) for GSHD is above the 3 year average (16.53%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 7.73%
ROE N/A
ROIC 24.29%
ROA(3y)6.11%
ROA(5y)4.11%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.53%
ROIC(5y)11.5%
GSHD Yearly ROA, ROE, ROICGSHD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 -100 -150

1.3 Margins

  • GSHD's Profit Margin of 7.94% is in line compared to the rest of the industry. GSHD outperforms 47.62% of its industry peers.
  • In the last couple of years the Profit Margin of GSHD has remained more or less at the same level.
  • With a decent Operating Margin value of 21.64%, GSHD is doing good in the industry, outperforming 76.19% of the companies in the same industry.
  • In the last couple of years the Operating Margin of GSHD has grown nicely.
Industry RankSector Rank
OM 21.64%
PM (TTM) 7.94%
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
GSHD Yearly Profit, Operating, Gross MarginsGSHD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. GSHD Health Analysis

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.
  • The number of shares outstanding for GSHD has been reduced compared to 1 year ago.
  • GSHD has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, GSHD has a worse debt to assets ratio.
GSHD Yearly Shares OutstandingGSHD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
GSHD Yearly Total Debt VS Total AssetsGSHD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.2 Solvency

  • An Altman-Z score of 2.77 indicates that GSHD is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • GSHD has a better Altman-Z score (2.77) than 93.20% of its industry peers.
  • GSHD has a debt to FCF ratio of 4.46. This is a neutral value as GSHD would need 4.46 years to pay back of all of its debts.
  • The Debt to FCF ratio of GSHD (4.46) is worse than 63.95% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.46
Altman-Z 2.77
ROIC/WACC2.66
WACC9.12%
GSHD Yearly LT Debt VS Equity VS FCFGSHD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M

2.3 Liquidity

  • GSHD has a Current Ratio of 0.15. 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 Current ratio of 0.15. This is in the better half of the industry: GSHD outperforms 67.35% of its industry peers.
  • GSHD has a Quick Ratio of 0.15. 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 Quick ratio of 0.15. This is in the better half of the industry: GSHD outperforms 67.35% of its industry peers.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
GSHD Yearly Current Assets VS Current LiabilitesGSHD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. GSHD Growth Analysis

3.1 Past

  • The earnings per share for GSHD have decreased by -1.01% in the last year.
  • Measured over the past years, GSHD shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.79% on average per year.
  • GSHD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.56%.
  • 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)-1.01%
EPS 3Y49.83%
EPS 5Y19.79%
EPS Q2Q%42.31%
Revenue 1Y (TTM)17.56%
Revenue growth 3Y20.38%
Revenue growth 5Y25.57%
Sales Q2Q%23.14%

3.2 Future

  • The Earnings Per Share is expected to grow by 24.91% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 31.13% on average over the next years. This is a very strong growth
EPS Next Y13.65%
EPS Next 2Y21.08%
EPS Next 3Y23.73%
EPS Next 5Y24.91%
Revenue Next Year15.79%
Revenue Next 2Y17.15%
Revenue Next 3Y20.07%
Revenue Next 5Y31.13%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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.
GSHD Yearly Revenue VS EstimatesGSHD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 500M 1B 1.5B
GSHD Yearly EPS VS EstimatesGSHD Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2 4 6 8 10

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Find the best growth stocksShow best growing peers

2

4. GSHD Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 22.20, the valuation of GSHD can be described as rather expensive.
  • Based on the Price/Earnings ratio, GSHD is valued expensively inside the industry as 80.95% of the companies are valued cheaper.
  • GSHD is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 16.05, which indicates a correct valuation of GSHD.
  • Based on the Price/Forward Earnings ratio, GSHD is valued a bit more expensive than the industry average as 69.39% of the companies are valued more cheaply.
  • GSHD's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.41.
Industry RankSector Rank
PE 22.2
Fwd PE 16.05
GSHD Price Earnings VS Forward Price EarningsGSHD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, GSHD is valued a bit more expensive than the industry average as 65.99% of the companies are valued more cheaply.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of GSHD indicates a slightly more expensive valuation: GSHD is more expensive than 70.75% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 21.72
EV/EBITDA 19.52
GSHD Per share dataGSHD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • The 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.
  • A more expensive valuation may be justified as GSHD's earnings are expected to grow with 23.73% in the coming years.
PEG (NY)1.63
PEG (5Y)1.12
EPS Next 2Y21.08%
EPS Next 3Y23.73%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. GSHD Dividend Analysis

5.1 Amount

  • No dividends for GSHD!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

GSHD Fundamentals: All Metrics, Ratios and Statistics

GOOSEHEAD INSURANCE INC -A

NASDAQ:GSHD (5/1/2026, 8:00:01 PM)

After market: 43.52 0 (0%)

43.52

-1.27 (-2.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength2.48
Industry Growth85.09
Earnings (Last)04-22
Earnings (Next)07-21
Inst Owners117.33%
Inst Owner Change1.97%
Ins Owners3.73%
Ins Owner Change0.2%
Market Cap1.55B
Revenue(TTM)382.80M
Net Income(TTM)30.38M
Analysts73.68
Price Target69.27 (59.17%)
Short Float %8.54%
Short Ratio3.63
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend3.95
Dividend Growth(5Y)26.4%
DP16.43%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)44.28%
Min EPS beat(2)9.11%
Max EPS beat(2)79.44%
EPS beat(4)2
Avg EPS beat(4)20.74%
Min EPS beat(4)-3.98%
Max EPS beat(4)79.44%
EPS beat(8)6
Avg EPS beat(8)26.42%
EPS beat(12)9
Avg EPS beat(12)26.63%
EPS beat(16)11
Avg EPS beat(16)41.33%
Revenue beat(2)2
Avg Revenue beat(2)5.26%
Min Revenue beat(2)3.15%
Max Revenue beat(2)7.38%
Revenue beat(4)2
Avg Revenue beat(4)1.35%
Min Revenue beat(4)-3.77%
Max Revenue beat(4)7.38%
Revenue beat(8)4
Avg Revenue beat(8)1.81%
Revenue beat(12)6
Avg Revenue beat(12)0.48%
Revenue beat(16)10
Avg Revenue beat(16)1.51%
PT rev (1m)-9.45%
PT rev (3m)-26.35%
EPS NQ rev (1m)-2.07%
EPS NQ rev (3m)-6.36%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)-3.71%
Revenue NQ rev (1m)-1.24%
Revenue NQ rev (3m)-4.63%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-2.61%
Valuation
Industry RankSector Rank
PE 22.2
Fwd PE 16.05
P/S 4.05
P/FCF 21.72
P/OCF 15.63
P/B N/A
P/tB N/A
EV/EBITDA 19.52
EPS(TTM)1.96
EY4.5%
EPS(NY)2.71
Fwd EY6.23%
FCF(TTM)2
FCFY4.6%
OCF(TTM)2.78
OCFY6.4%
SpS10.75
BVpS-3.41
TBVpS-4.64
PEG (NY)1.63
PEG (5Y)1.12
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA 7.73%
ROE N/A
ROCE 27.79%
ROIC 24.29%
ROICexc 26.58%
ROICexgc 32.71%
OM 21.64%
PM (TTM) 7.94%
GM N/A
FCFM 18.63%
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-Score6
Asset Turnover0.97
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.46
Debt/EBITDA 3.34
Cap/Depr 241.54%
Cap/Sales 7.27%
Interest Coverage 3.64
Cash Conversion 105.08%
Profit Quality 234.8%
Current Ratio 0.15
Quick Ratio 0.15
Altman-Z 2.77
F-Score6
WACC9.12%
ROIC/WACC2.66
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)-1.01%
EPS 3Y49.83%
EPS 5Y19.79%
EPS Q2Q%42.31%
EPS Next Y13.65%
EPS Next 2Y21.08%
EPS Next 3Y23.73%
EPS Next 5Y24.91%
Revenue 1Y (TTM)17.56%
Revenue growth 3Y20.38%
Revenue growth 5Y25.57%
Sales Q2Q%23.14%
Revenue Next Year15.79%
Revenue Next 2Y17.15%
Revenue Next 3Y20.07%
Revenue Next 5Y31.13%
EBIT growth 1Y24.93%
EBIT growth 3Y94.62%
EBIT growth 5Y30.2%
EBIT Next Year76.67%
EBIT Next 3Y43.1%
EBIT Next 5Y33.19%
FCF growth 1Y61.65%
FCF growth 3Y43.32%
FCF growth 5Y36.67%
OCF growth 1Y56.72%
OCF growth 3Y36.95%
OCF growth 5Y30.08%

GOOSEHEAD INSURANCE INC -A / GSHD Fundamental Analysis 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.


Can you provide the profitability details for GOOSEHEAD INSURANCE INC -A?

GOOSEHEAD INSURANCE INC -A (GSHD) has a profitability rating of 7 / 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 13.65% in the next year.


Can you provide the dividend sustainability for GSHD stock?

The dividend rating of GOOSEHEAD INSURANCE INC -A (GSHD) is 0 / 10 and the dividend payout ratio is 16.43%.