66.17 USD
+2.16 (+3.37%)
At close: Feb 6, 2026
66.17 USD
0 (0%)
After Hours: 2/6/2026, 8:00:01 PM
Overall GSHD gets a fundamental rating of 5 out of 10. We evaluated GSHD against 149 industry peers in the Insurance industry. GSHD has an average financial health and profitability rating. GSHD shows excellent growth, but is valued quite expensive already.
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.
- Each year in the past 5 years GSHD has been profitable.
- Each year in the past 5 years GSHD had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of GSHD (7.50%) is better than 93.20% of its industry peers.
- GSHD's Return On Invested Capital of 20.39% is amongst the best of the industry. GSHD outperforms 97.96% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for GSHD is below the industry average of 14.93%.
- The 3 year average ROIC (11.27%) for GSHD is below the current ROIC(20.39%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.5% | ||
| ROE | N/A | ||
| ROIC | 20.39% |
ROA(3y)3.94%
ROA(5y)3.77%
ROE(3y)33.31%
ROE(5y)N/A
ROIC(3y)11.27%
ROIC(5y)10.24%
1.3 Margins
- Looking at the Profit Margin, with a value of 8.55%, GSHD is in line with its industry, outperforming 53.06% of the companies in the same industry.
- GSHD's Profit Margin has improved in the last couple of years.
- GSHD has a better Operating Margin (20.17%) than 70.07% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.17% | ||
| PM (TTM) | 8.55% | ||
| 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
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.
- The number of shares outstanding for GSHD has been reduced compared to 1 year ago.
- GSHD has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, GSHD has a worse debt to assets ratio.
2.2 Solvency
- GSHD has an Altman-Z score of 3.51. This indicates that GSHD is financially healthy and has little risk of bankruptcy at the moment.
- The Altman-Z score of GSHD (3.51) is better than 97.28% of its industry peers.
- The Debt to FCF ratio of GSHD is 4.65, which is a neutral value as it means it would take GSHD, 4.65 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 4.65, GSHD is not doing good in the industry: 62.59% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.65 | ||
| Altman-Z | 3.51 |
ROIC/WACC2.31
WACC8.81%
2.3 Liquidity
- A Current Ratio of 0.16 indicates that GSHD may have some problems paying its short term obligations.
- GSHD has a better Current ratio (0.16) than 66.67% of its industry peers.
- GSHD has a Quick Ratio of 0.16. 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 0.16, GSHD is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
- GSHD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.23%, which is quite impressive.
- Measured over the past years, GSHD shows a very strong growth in Earnings Per Share. The EPS has been growing by 38.67% on average per year.
- The Revenue has grown by 24.81% in the past year. This is a very strong growth!
- 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)34.23%
EPS 3Y60.91%
EPS 5Y38.67%
EPS Q2Q%-8%
Revenue 1Y (TTM)24.81%
Revenue growth 3Y27.62%
Revenue growth 5Y32.33%
Sales Q2Q%15.89%
3.2 Future
- GSHD is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.35% yearly.
- The Revenue is expected to grow by 19.08% on average over the next years. This is quite good.
EPS Next Y-8.79%
EPS Next 2Y4.49%
EPS Next 3Y13.77%
EPS Next 5Y20.35%
Revenue Next Year20.16%
Revenue Next 2Y19.52%
Revenue Next 3Y20.3%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 33.09 indicates a quite expensive valuation of GSHD.
- Based on the Price/Earnings ratio, GSHD is valued a bit more expensive than 76.87% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.92. GSHD is around the same levels.
- Based on the Price/Forward Earnings ratio of 30.30, the valuation of GSHD can be described as expensive.
- Based on the Price/Forward Earnings ratio, GSHD is valued a bit more expensive than 78.23% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of GSHD to the average of the S&P500 Index (27.78), we can say GSHD is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.09 | ||
| Fwd PE | 30.3 |
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 70.75% of the companies in the same industry.
- 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 72.79% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.72 | ||
| EV/EBITDA | 31.12 |
4.3 Compensation for Growth
- GSHD has a very decent profitability rating, which may justify a higher PE ratio.
- GSHD's earnings are expected to grow with 13.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.86
EPS Next 2Y4.49%
EPS Next 3Y13.77%
5. Dividend
5.1 Amount
- No dividends for GSHD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
66.17
+2.16 (+3.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners111%
Inst Owner Change0.1%
Ins Owners4.26%
Ins Owner Change-8.18%
Market Cap2.44B
Revenue(TTM)353.97M
Net Income(TTM)30.25M
Analysts73.33
Price Target92.62 (39.97%)
Short Float %10.36%
Short Ratio9.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.13
Dividend Growth(5Y)-24.29%
DP691.97%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.79%
Min EPS beat(2)-3.98%
Max EPS beat(2)-1.61%
EPS beat(4)2
Avg EPS beat(4)26.65%
Min EPS beat(4)-3.98%
Max EPS beat(4)95.09%
EPS beat(8)5
Avg EPS beat(8)17.43%
EPS beat(12)8
Avg EPS beat(12)46.29%
EPS beat(16)10
Avg EPS beat(16)41.76%
Revenue beat(2)0
Avg Revenue beat(2)-2.56%
Min Revenue beat(2)-3.77%
Max Revenue beat(2)-1.35%
Revenue beat(4)1
Avg Revenue beat(4)1.5%
Min Revenue beat(4)-6.08%
Max Revenue beat(4)17.19%
Revenue beat(8)2
Avg Revenue beat(8)-1.09%
Revenue beat(12)6
Avg Revenue beat(12)0.77%
Revenue beat(16)8
Avg Revenue beat(16)0.52%
PT rev (1m)0.71%
PT rev (3m)-2.12%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)4.08%
EPS NY rev (1m)0.13%
EPS NY rev (3m)2.46%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)1.24%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.09 | ||
| Fwd PE | 30.3 | ||
| P/S | 6.89 | ||
| P/FCF | 38.72 | ||
| P/OCF | 30.06 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 31.12 |
EPS(TTM)2
EY3.02%
EPS(NY)2.18
Fwd EY3.3%
FCF(TTM)1.71
FCFY2.58%
OCF(TTM)2.2
OCFY3.33%
SpS9.61
BVpS-2.85
TBVpS-3.78
PEG (NY)N/A
PEG (5Y)0.86
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.5% | ||
| ROE | N/A | ||
| ROCE | 22.7% | ||
| ROIC | 20.39% | ||
| ROICexc | 24.39% | ||
| ROICexgc | 28.82% | ||
| OM | 20.17% | ||
| PM (TTM) | 8.55% | ||
| GM | N/A | ||
| FCFM | 17.79% |
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%
ROICexgc growth 3Y72.95%
ROICexgc 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 Turnover0.88
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.65 | ||
| Debt/EBITDA | 3.47 | ||
| Cap/Depr | 149.54% | ||
| Cap/Sales | 5.13% | ||
| Interest Coverage | 4.02 | ||
| Cash Conversion | 97.09% | ||
| Profit Quality | 208.1% | ||
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 | ||
| Altman-Z | 3.51 |
F-Score8
WACC8.81%
ROIC/WACC2.31
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)34.23%
EPS 3Y60.91%
EPS 5Y38.67%
EPS Q2Q%-8%
EPS Next Y-8.79%
EPS Next 2Y4.49%
EPS Next 3Y13.77%
EPS Next 5Y20.35%
Revenue 1Y (TTM)24.81%
Revenue growth 3Y27.62%
Revenue growth 5Y32.33%
Sales Q2Q%15.89%
Revenue Next Year20.16%
Revenue Next 2Y19.52%
Revenue Next 3Y20.3%
Revenue Next 5Y19.08%
EBIT growth 1Y78.62%
EBIT growth 3Y91.54%
EBIT growth 5Y34.1%
EBIT Next Year112.54%
EBIT Next 3Y47.88%
EBIT Next 5Y33.78%
FCF growth 1Y113.06%
FCF growth 3Y43.64%
FCF growth 5Y28.2%
OCF growth 1Y103.12%
OCF growth 3Y26.38%
OCF growth 5Y27.49%
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 1 / 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 decline by -8.79% in the next year.