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GOOSEHEAD INSURANCE INC -A (GSHD) Stock Fundamental Analysis

NASDAQ:GSHD - Nasdaq - US38267D1090 - Common Stock - Currency: USD

104.495  +1.88 (+1.83%)

After market: 104.495 0 (0%)

Fundamental Rating

6

Taking everything into account, GSHD scores 6 out of 10 in our fundamental rating. GSHD was compared to 146 industry peers in the Insurance industry. GSHD scores excellent on profitability, but there are some minor concerns on its financial health. GSHD is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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7

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.
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 0 20M 40M 60M

1.2 Ratios

The Return On Assets of GSHD (7.50%) is better than 95.14% of its industry peers.
Looking at the Return On Invested Capital, with a value of 18.18%, GSHD belongs to the top of the industry, outperforming 99.31% of the companies in the same industry.
GSHD had an Average Return On Invested Capital over the past 3 years of 11.27%. This is significantly above the industry average of 4.07%.
The 3 year average ROIC (11.27%) for GSHD is below the current ROIC(18.18%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 7.5%
ROE N/A
ROIC 18.18%
ROA(3y)3.94%
ROA(5y)3.77%
ROE(3y)33.31%
ROE(5y)N/A
ROIC(3y)11.27%
ROIC(5y)10.24%
GSHD Yearly ROA, ROE, ROICGSHD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150

1.3 Margins

GSHD has a better Profit Margin (9.51%) than 63.89% of its industry peers.
In the last couple of years the Profit Margin of GSHD has grown nicely.
The Operating Margin of GSHD (20.36%) is better than 79.17% of its industry peers.
In the last couple of years the Operating Margin of GSHD has remained more or less at the same level.
Industry RankSector Rank
OM 20.36%
PM (TTM) 9.51%
GM N/A
OM growth 3Y50.09%
OM growth 5Y1.33%
PM growth 3Y39.43%
PM growth 5Y15.8%
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 0 10 -10 20 -20

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4

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.
The number of shares outstanding for GSHD has been reduced compared to 1 year ago.
Compared to 5 years ago, GSHD has more shares outstanding
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 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 100M 200M 300M

2.2 Solvency

An Altman-Z score of 5.29 indicates that GSHD is not in any danger for bankruptcy at the moment.
The Altman-Z score of GSHD (5.29) is better than 98.61% of its industry peers.
GSHD has a debt to FCF ratio of 4.70. This is a neutral value as GSHD would need 4.70 years to pay back of all of its debts.
GSHD has a worse Debt to FCF ratio (4.70) than 64.58% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.7
Altman-Z 5.29
ROIC/WACC2.03
WACC8.95%
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 0 50M 100M

2.3 Liquidity

A Current Ratio of 0.26 indicates that GSHD may have some problems paying its short term obligations.
The Current ratio of GSHD (0.26) is better than 70.14% of its industry peers.
GSHD has a Quick Ratio of 0.26. This is a bad value and indicates that GSHD is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of GSHD (0.26) is better than 70.14% of its industry peers.
Industry RankSector Rank
Current Ratio 0.26
Quick Ratio 0.26
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 20M 40M 60M 80M 100M

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9

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 38.46% over the past year.
The Earnings Per Share has been growing by 38.67% on average over the past years. This is a very strong growth
GSHD shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.60%.
Measured over the past years, GSHD shows a very strong growth in Revenue. The Revenue has been growing by 32.33% on average per year.
EPS 1Y (TTM)38.46%
EPS 3Y60.91%
EPS 5Y38.67%
EPS Q2Q%-7.14%
Revenue 1Y (TTM)21.6%
Revenue growth 3Y27.62%
Revenue growth 5Y32.33%
Sales Q2Q%17.26%

3.2 Future

GSHD is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.28% yearly.
Based on estimates for the next years, GSHD will show a quite strong growth in Revenue. The Revenue will grow by 19.08% on average per year.
EPS Next Y-5.13%
EPS Next 2Y13.92%
EPS Next 3Y19.34%
EPS Next 5Y21.28%
Revenue Next Year21.7%
Revenue Next 2Y23.25%
Revenue Next 3Y23.91%
Revenue Next 5Y19.08%

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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 2 4 6 8

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1

4. Valuation

4.1 Price/Earnings Ratio

GSHD is valuated quite expensively with a Price/Earnings ratio of 52.78.
Based on the Price/Earnings ratio, GSHD is valued expensively inside the industry as 81.25% of the companies are valued cheaper.
Compared to an average S&P500 Price/Earnings ratio of 27.45, GSHD is valued quite expensively.
A Price/Forward Earnings ratio of 40.26 indicates a quite expensive valuation of GSHD.
79.17% of the companies in the same industry are cheaper than GSHD, based on the Price/Forward Earnings ratio.
GSHD is valuated expensively when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 52.78
Fwd PE 40.26
GSHD Price Earnings VS Forward Price EarningsGSHD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

GSHD's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 69.44% of the companies in the same industry.
79.17% of the companies in the same industry are cheaper than GSHD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 62.84
EV/EBITDA 53.42
GSHD Per share dataGSHD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8

4.3 Compensation for Growth

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 19.34% in the coming years.
PEG (NY)N/A
PEG (5Y)1.36
EPS Next 2Y13.92%
EPS Next 3Y19.34%

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4

5. Dividend

5.1 Amount

GSHD has a Yearly Dividend Yield of 5.66%, which is a nice return.
GSHD's Dividend Yield is rather good when compared to the industry average which is at 3.71. GSHD pays more dividend than 86.81% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, GSHD pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.66%

5.2 History

The dividend of GSHD decreases each year by -24.29%.
GSHD has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)-24.29%
Div Incr Years0
Div Non Decr Years0
GSHD Yearly Dividends per shareGSHD Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2025 1 2 3 4 5

5.3 Sustainability

GSHD pays out 677.80% of its income as dividend. This is not a sustainable payout ratio.
DP677.8%
EPS Next 2Y13.92%
EPS Next 3Y19.34%
GSHD Yearly Income VS Free CF VS DividendGSHD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M
GSHD Dividend Payout.GSHD Dividend Payout, showing the Payout Ratio.GSHD Dividend Payout.PayoutRetained Earnings

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GOOSEHEAD INSURANCE INC -A

NASDAQ:GSHD (7/3/2025, 7:32:38 PM)

After market: 104.495 0 (0%)

104.495

+1.88 (+1.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners106.29%
Inst Owner Change0.97%
Ins Owners5.65%
Ins Owner Change-16.28%
Market Cap3.92B
Analysts72.5
Price Target120.74 (15.55%)
Short Float %8.32%
Short Ratio6.5
Dividend
Industry RankSector Rank
Dividend Yield 5.66%
Yearly Dividend0.13
Dividend Growth(5Y)-24.29%
DP677.8%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-21 2025-01-21 (5.91)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)56.09%
Min EPS beat(2)17.09%
Max EPS beat(2)95.09%
EPS beat(4)4
Avg EPS beat(4)32.09%
Min EPS beat(4)7.84%
Max EPS beat(4)95.09%
EPS beat(8)7
Avg EPS beat(8)29.58%
EPS beat(12)9
Avg EPS beat(12)48.19%
EPS beat(16)11
Avg EPS beat(16)44.44%
Revenue beat(2)1
Avg Revenue beat(2)5.56%
Min Revenue beat(2)-6.08%
Max Revenue beat(2)17.19%
Revenue beat(4)2
Avg Revenue beat(4)2.27%
Min Revenue beat(4)-6.08%
Max Revenue beat(4)17.19%
Revenue beat(8)4
Avg Revenue beat(8)0.04%
Revenue beat(12)8
Avg Revenue beat(12)1.56%
Revenue beat(16)9
Avg Revenue beat(16)0.96%
PT rev (1m)0%
PT rev (3m)-0.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.19%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.3%
Valuation
Industry RankSector Rank
PE 52.78
Fwd PE 40.26
P/S 12.04
P/FCF 62.84
P/OCF 52.17
P/B N/A
P/tB N/A
EV/EBITDA 53.42
EPS(TTM)1.98
EY1.89%
EPS(NY)2.6
Fwd EY2.48%
FCF(TTM)1.66
FCFY1.59%
OCF(TTM)2
OCFY1.92%
SpS8.68
BVpS-2.36
TBVpS-3.08
PEG (NY)N/A
PEG (5Y)1.36
Profitability
Industry RankSector Rank
ROA 7.5%
ROE N/A
ROCE 20.25%
ROIC 18.18%
ROICexc 23.15%
ROICexgc 26.6%
OM 20.36%
PM (TTM) 9.51%
GM N/A
FCFM 19.17%
ROA(3y)3.94%
ROA(5y)3.77%
ROE(3y)33.31%
ROE(5y)N/A
ROIC(3y)11.27%
ROIC(5y)10.24%
ROICexc(3y)13.56%
ROICexc(5y)12.36%
ROICexgc(3y)15.18%
ROICexgc(5y)13.51%
ROCE(3y)12.56%
ROCE(5y)11.4%
ROICexcg growth 3Y72.95%
ROICexcg growth 5Y-5.88%
ROICexc growth 3Y68.02%
ROICexc growth 5Y-7.47%
OM growth 3Y50.09%
OM growth 5Y1.33%
PM growth 3Y39.43%
PM growth 5Y15.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.79
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.7
Debt/EBITDA 3.74
Cap/Depr 112.99%
Cap/Sales 3.92%
Interest Coverage 6.9
Cash Conversion 96.88%
Profit Quality 201.63%
Current Ratio 0.26
Quick Ratio 0.26
Altman-Z 5.29
F-Score8
WACC8.95%
ROIC/WACC2.03
Cap/Depr(3y)163.27%
Cap/Depr(5y)216.25%
Cap/Sales(3y)5.73%
Cap/Sales(5y)7.25%
Profit Quality(3y)1423.66%
Profit Quality(5y)959.07%
High Growth Momentum
Growth
EPS 1Y (TTM)38.46%
EPS 3Y60.91%
EPS 5Y38.67%
EPS Q2Q%-7.14%
EPS Next Y-5.13%
EPS Next 2Y13.92%
EPS Next 3Y19.34%
EPS Next 5Y21.28%
Revenue 1Y (TTM)21.6%
Revenue growth 3Y27.62%
Revenue growth 5Y32.33%
Sales Q2Q%17.26%
Revenue Next Year21.7%
Revenue Next 2Y23.25%
Revenue Next 3Y23.91%
Revenue Next 5Y19.08%
EBIT growth 1Y101.28%
EBIT growth 3Y91.54%
EBIT growth 5Y34.1%
EBIT Next Year115.48%
EBIT Next 3Y55.91%
EBIT Next 5Y33.78%
FCF growth 1Y127.61%
FCF growth 3Y43.64%
FCF growth 5Y28.2%
OCF growth 1Y86.84%
OCF growth 3Y26.38%
OCF growth 5Y27.49%