GOOSEHEAD INSURANCE INC -A (GSHD) Stock Fundamental Analysis

NASDAQ:GSHD • US38267D1090

54.2 USD
+0.24 (+0.44%)
At close: Feb 27, 2026
54.2 USD
0 (0%)
After Hours: 2/27/2026, 8:07:48 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to GSHD. GSHD was compared to 150 industry peers in the Insurance industry. GSHD has only an average score on both its financial health and profitability. GSHD shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

6

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.
  • 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 6.71%, GSHD belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
  • GSHD's Return On Invested Capital of 20.65% is amongst the best of the industry. GSHD outperforms 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 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 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.
  • The Operating Margin of GSHD (20.38%) is better than 70.67% 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. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so GSHD is creating value.
  • GSHD has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, GSHD has less shares outstanding
  • GSHD has a worse debt/assets ratio than last year.
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 3.10. This indicates that GSHD is financially healthy and has little risk of bankruptcy at the moment.
  • GSHD has a better Altman-Z score (3.10) than 97.33% of its industry peers.
  • 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.
  • The Debt to FCF ratio of GSHD (4.30) is worse than 61.33% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.3
Altman-Z 3.1
ROIC/WACC2.37
WACC8.72%
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

  • A Current Ratio of 0.08 indicates that GSHD may have some problems paying 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.
  • With a decent Quick ratio value of 0.08, GSHD is doing good in the industry, outperforming 64.67% of the companies in the same industry.
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. Growth

3.1 Past

  • The earnings per share for GSHD have decreased by -7.50% 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.
  • The Revenue has grown by 16.15% in the past year. This is quite good.
  • GSHD shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.57% yearly.
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last 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 2033 2 4 6 8 10

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • GSHD is valuated quite expensively with a Price/Earnings ratio of 29.30.
  • GSHD's Price/Earnings ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 76.00% of the companies in the same industry.
  • GSHD's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.10.
  • Based on the Price/Forward Earnings ratio of 24.82, the valuation of GSHD can be described as rather expensive.
  • 74.67% of the companies in the same industry are cheaper than GSHD, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of GSHD to the average of the S&P500 Index (28.06), we can say GSHD is valued inline with the index average.
Industry RankSector Rank
PE 29.3
Fwd PE 24.82
GSHD Price Earnings VS Forward Price EarningsGSHD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 62.67% 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 69.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 29.35
EV/EBITDA 26.3
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

  • The 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.
  • GSHD's earnings are expected to grow with 28.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.63
PEG (5Y)1.48
EPS Next 2Y26.18%
EPS Next 3Y28.96%

More info and screens

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

0

5. Dividend

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

GOOSEHEAD INSURANCE INC -A

NASDAQ:GSHD (2/27/2026, 8:07:48 PM)

After market: 54.2 0 (0%)

54.2

+0.24 (+0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-17
Earnings (Next)04-21
Inst Owners111%
Inst Owner Change-6.03%
Ins Owners4.26%
Ins Owner Change0.23%
Market Cap2.00B
Revenue(TTM)365.30M
Net Income(TTM)27.83M
Analysts73.33
Price Target79.15 (46.03%)
Short Float %9.55%
Short Ratio6.59
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)-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 RankSector Rank
PE 29.3
Fwd PE 24.82
P/S 5.47
P/FCF 29.35
P/OCF 21.76
P/B N/A
P/tB N/A
EV/EBITDA 26.3
EPS(TTM)1.85
EY3.41%
EPS(NY)2.18
Fwd EY4.03%
FCF(TTM)1.85
FCFY3.41%
OCF(TTM)2.49
OCFY4.6%
SpS9.92
BVpS-2.59
TBVpS-3.67
PEG (NY)1.63
PEG (5Y)1.48
Graham NumberN/A
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 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.