GOOSEHEAD INSURANCE INC -A (GSHD) Stock Fundamental Analysis
USA - NASDAQ:GSHD - US38267D1090 - Common Stock
66.92 USD
-0.63 (-0.93%)
We assign a fundamental rating of 5 out of 10 to GSHD. 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.
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.
GSHD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 7.50%, GSHD belongs to the best of the industry, outperforming 93.84% of the companies in the same industry.
GSHD has a Return On Invested Capital of 20.39%. This is amongst the best in the industry. GSHD outperforms 98.63% of its industry peers.
GSHD had an Average Return On Invested Capital over the past 3 years of 11.27%. This is significantly above the industry average of 4.52%.
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
The Profit Margin of GSHD (8.55%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of GSHD has grown nicely.
Looking at the Operating Margin, with a value of 20.17%, GSHD is in the better half of the industry, outperforming 78.77% of the companies in the same industry.
GSHD's Operating Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 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.
GSHD has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.73 indicates that GSHD is not in any danger for bankruptcy at the moment.
GSHD's Altman-Z score of 3.73 is amongst the best of the industry. GSHD outperforms 95.21% 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: 60.27% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.65 | ||
| Altman-Z | 3.73 |
ROIC/WACC2.34
WACC8.7%
2.3 Liquidity
GSHD has a Current 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 Current ratio, with a value of 0.16, GSHD is in the better half of the industry, outperforming 66.44% of the companies in the same industry.
A Quick Ratio of 0.16 indicates that GSHD may have some problems paying its short term obligations.
GSHD's Quick ratio of 0.16 is fine compared to the rest of the industry. GSHD outperforms 66.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 34.23% 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 24.81%.
GSHD shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 32.33% yearly.
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
Based on estimates for the next years, GSHD will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.98% on average per year.
The Revenue is expected to grow by 19.08% on average over the next years. This is quite good.
EPS Next Y-10.98%
EPS Next 2Y8.5%
EPS Next 3Y17.15%
EPS Next 5Y18.98%
Revenue Next Year20.13%
Revenue Next 2Y21.08%
Revenue Next 3Y22.02%
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
Based on the Price/Earnings ratio of 33.46, the valuation of GSHD can be described as expensive.
GSHD's Price/Earnings ratio is rather expensive when compared to the industry. GSHD is more expensive than 80.82% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.51. GSHD is valued slightly more expensive when compared to this.
GSHD is valuated quite expensively with a Price/Forward Earnings ratio of 28.43.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GSHD indicates a slightly more expensive valuation: GSHD is more expensive than 78.08% of the companies listed in the same industry.
GSHD is valuated rather expensively when we compare the Price/Forward Earnings ratio to 22.53, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.46 | ||
| Fwd PE | 28.43 |
4.2 Price Multiples
70.55% of the companies in the same industry are cheaper than GSHD, based on the Enterprise Value to EBITDA ratio.
68.49% of the companies in the same industry are cheaper than GSHD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 39.92 | ||
| EV/EBITDA | 33.26 |
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 17.15% in the coming years.
PEG (NY)N/A
PEG (5Y)0.87
EPS Next 2Y8.5%
EPS Next 3Y17.15%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.61%, GSHD is a good candidate for dividend investing.
In the last 3 months the price of GSHD has falen by -21.50%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.34, GSHD pays a better dividend. On top of this GSHD pays more dividend than 95.21% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, GSHD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.61% |
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
5.3 Sustainability
691.97% of the earnings are spent on dividend by GSHD. This is not a sustainable payout ratio.
DP691.97%
EPS Next 2Y8.5%
EPS Next 3Y17.15%
NASDAQ:GSHD (11/4/2025, 1:32:20 PM)
66.92
-0.63 (-0.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners113.63%
Inst Owner Change0.12%
Ins Owners4.15%
Ins Owner Change-23.71%
Market Cap2.51B
Revenue(TTM)353.97M
Net Income(TTM)30.25M
Analysts71.76
Price Target96.08 (43.57%)
Short Float %10.3%
Short Ratio7.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.61% |
Yearly Dividend0.13
Dividend Growth(5Y)-24.29%
DP691.97%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-14.88%
PT rev (3m)-20.42%
EPS NQ rev (1m)2.96%
EPS NQ rev (3m)4.93%
EPS NY rev (1m)-2.37%
EPS NY rev (3m)-5.8%
Revenue NQ rev (1m)1.41%
Revenue NQ rev (3m)1.86%
Revenue NY rev (1m)-0.72%
Revenue NY rev (3m)-1.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.46 | ||
| Fwd PE | 28.43 | ||
| P/S | 7.1 | ||
| P/FCF | 39.92 | ||
| P/OCF | 30.99 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 33.26 |
EPS(TTM)2
EY2.99%
EPS(NY)2.35
Fwd EY3.52%
FCF(TTM)1.68
FCFY2.5%
OCF(TTM)2.16
OCFY3.23%
SpS9.42
BVpS-2.79
TBVpS-3.71
PEG (NY)N/A
PEG (5Y)0.87
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 | 3.73 |
F-Score8
WACC8.7%
ROIC/WACC2.34
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-10.98%
EPS Next 2Y8.5%
EPS Next 3Y17.15%
EPS Next 5Y18.98%
Revenue 1Y (TTM)24.81%
Revenue growth 3Y27.62%
Revenue growth 5Y32.33%
Sales Q2Q%15.89%
Revenue Next Year20.13%
Revenue Next 2Y21.08%
Revenue Next 3Y22.02%
Revenue Next 5Y19.08%
EBIT growth 1Y78.62%
EBIT growth 3Y91.54%
EBIT growth 5Y34.1%
EBIT Next Year107.02%
EBIT Next 3Y53.46%
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 of GOOSEHEAD INSURANCE INC -A (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 7 / 10.
What is the financial health of GOOSEHEAD INSURANCE INC -A (GSHD) stock?
The financial health rating of GOOSEHEAD INSURANCE INC -A (GSHD) is 4 / 10.
How sustainable is the dividend of GOOSEHEAD INSURANCE INC -A (GSHD) stock?
The dividend rating of GOOSEHEAD INSURANCE INC -A (GSHD) is 4 / 10 and the dividend payout ratio is 691.97%.