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

NASDAQ:GSHD • US38267D1090

Current stock price

48.26 USD
-2.51 (-4.94%)
At close:
48.26 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.
  • GSHD had a positive operating cash flow in the past year.
  • Each year in the past 5 years GSHD has been profitable.
  • GSHD had a positive operating cash flow in each of the past 5 years.
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

  • GSHD's Return On Assets of 6.71% is amongst the best of the industry. GSHD outperforms 87.76% of its industry peers.
  • With an excellent Return On Invested Capital value of 20.65%, GSHD belongs to the best of the industry, outperforming 97.28% of the companies in the same industry.
  • GSHD had an Average Return On Invested Capital over the past 3 years of 16.53%. This is significantly above the industry average of 9.51%.
  • 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 RankSector 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%
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 has a Profit Margin (7.62%) which is in line with its industry peers.
  • GSHD's Profit Margin has been stable in the last couple of years.
  • GSHD has a better Operating Margin (20.38%) than 75.51% of its industry peers.
  • GSHD's Operating Margin has improved in the last couple of years.
Industry RankSector 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
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.
  • Compared to 1 year ago, GSHD has less shares outstanding
  • The number of shares outstanding for GSHD has been reduced compared to 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

  • GSHD has an Altman-Z score of 2.88. This is not the best score and indicates that GSHD is in the grey zone with still only limited risk for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 2.88, GSHD belongs to the best of the industry, outperforming 92.52% 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.
  • Looking at the Debt to FCF ratio, with a value of 4.30, GSHD is doing worse than 63.95% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.3
Altman-Z 2.88
ROIC/WACC2.28
WACC9.04%
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 0.08. 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 63.95% of its industry peers.
  • A Quick Ratio of 0.08 indicates that GSHD may have some problems paying its short term obligations.
  • GSHD has a Quick ratio of 0.08. This is in the better half of the industry: GSHD outperforms 63.95% of its industry peers.
Industry RankSector Rank
Current Ratio 0.08
Quick Ratio 0.08
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

  • GSHD shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.55%.
  • 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.
  • The Revenue has been growing by 25.57% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-4.55%
EPS 3Y49.83%
EPS 5Y19.79%
EPS Q2Q%15.38%
Revenue 1Y (TTM)16.15%
Revenue growth 3Y20.38%
Revenue growth 5Y25.57%
Sales Q2Q%23.15%

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 24.91% 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 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

  • 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.
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

  • The Price/Earnings ratio is 25.53, which means the current valuation is very expensive for GSHD.
  • Compared to the rest of the industry, the Price/Earnings ratio of GSHD indicates a rather expensive valuation: GSHD more expensive than 82.99% of the companies listed in the same industry.
  • GSHD is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 17.79, which indicates a rather expensive current valuation of GSHD.
  • Based on the Price/Forward Earnings ratio, GSHD is valued a bit more expensive than the industry average as 72.11% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. GSHD is around the same levels.
Industry RankSector Rank
PE 25.53
Fwd PE 17.79
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

  • 66.67% of the companies in the same industry are cheaper than GSHD, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, GSHD is valued a bit more expensive than 72.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 25.25
EV/EBITDA 24.1
GSHD Per share dataGSHD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates GSHD does not grow enough to justify the current Price/Earnings ratio.
  • GSHD has a very decent profitability rating, which may justify a higher PE ratio.
  • GSHD's earnings are expected to grow with 23.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.87
PEG (5Y)1.29
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

  • GSHD does not give a dividend.
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 (4/24/2026, 8:00:01 PM)

After market: 48.26 0 (0%)

48.26

-2.51 (-4.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-22
Earnings (Next)07-21
Inst Owners117.33%
Inst Owner Change-0.35%
Ins Owners3.73%
Ins Owner Change0.45%
Market Cap1.72B
Revenue(TTM)365.30M
Net Income(TTM)27.83M
Analysts73.68
Price Target74.09 (53.52%)
Short Float %9.35%
Short Ratio3.78
Dividend
Industry RankSector 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)-6.4%
PT rev (3m)-21.22%
EPS NQ rev (1m)-4%
EPS NQ rev (3m)-16.84%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)-3.76%
Revenue NQ rev (1m)-0.92%
Revenue NQ rev (3m)-5.79%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)-2.61%
Valuation
Industry RankSector Rank
PE 25.53
Fwd PE 17.79
P/S 4.7
P/FCF 25.25
P/OCF 18.72
P/B N/A
P/tB N/A
EV/EBITDA 24.1
EPS(TTM)1.89
EY3.92%
EPS(NY)2.71
Fwd EY5.62%
FCF(TTM)1.91
FCFY3.96%
OCF(TTM)2.58
OCFY5.34%
SpS10.26
BVpS-2.68
TBVpS-3.8
PEG (NY)1.87
PEG (5Y)1.29
Graham Number0 (-100%)
Profitability
Industry RankSector 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 RankSector 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 2.88
F-Score5
WACC9.04%
ROIC/WACC2.28
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)-4.55%
EPS 3Y49.83%
EPS 5Y19.79%
EPS Q2Q%15.38%
EPS Next Y13.65%
EPS Next 2Y21.08%
EPS Next 3Y23.73%
EPS Next 5Y24.91%
Revenue 1Y (TTM)16.15%
Revenue growth 3Y20.38%
Revenue growth 5Y25.57%
Sales Q2Q%23.15%
Revenue Next Year15.79%
Revenue Next 2Y17.15%
Revenue Next 3Y20.07%
Revenue Next 5Y31.13%
EBIT growth 1Y21.77%
EBIT growth 3Y94.62%
EBIT growth 5Y30.2%
EBIT Next Year76.67%
EBIT Next 3Y43.1%
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 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 523.83%.