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

NASDAQ:GSHD • US38267D1090

50.8 USD
+0.06 (+0.12%)
At close: Mar 5, 2026
50.8 USD
0 (0%)
After Hours: 3/5/2026, 4:20:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This GSHD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to GSHD. GSHD was compared to 149 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. GSHD Profitability Analysis

1.1 Basic Checks

  • In the past year GSHD was profitable.
  • 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.
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 89.26% of its industry peers.
  • With an excellent Return On Invested Capital value of 20.65%, GSHD belongs to the best of the industry, outperforming 97.32% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for GSHD is in line with the industry average of 15.26%.
  • 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

  • The Profit Margin of GSHD (7.62%) 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.
  • GSHD's Operating Margin of 20.38% is fine compared to the rest of the industry. GSHD outperforms 75.17% of its industry peers.
  • In the last couple of years the Operating Margin of GSHD has grown nicely.
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

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), GSHD is creating value.
  • Compared to 1 year ago, GSHD has less shares outstanding
  • GSHD has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for GSHD is higher compared to a year ago.
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

  • An Altman-Z score of 2.95 indicates that GSHD is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • GSHD's Altman-Z score of 2.95 is amongst the best of the industry. GSHD outperforms 94.63% 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.
  • GSHD has a worse Debt to FCF ratio (4.30) than 61.74% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.3
Altman-Z 2.95
ROIC/WACC2.34
WACC8.84%
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 has a better Current ratio (0.08) than 63.09% 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.
  • GSHD's Quick ratio of 0.08 is fine compared to the rest of the industry. GSHD outperforms 63.09% 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 -7.50%.
  • The Earnings Per Share has been growing by 19.79% on average over the past years. This is quite good.
  • 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)-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
  • The Revenue is expected to grow by 31.13% on average over the next years. This is a very strong growth
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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. GSHD Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 27.46, GSHD can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of GSHD indicates a slightly more expensive valuation: GSHD is more expensive than 78.52% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of GSHD to the average of the S&P500 Index (27.03), we can say GSHD is valued inline with the index average.
  • A Price/Forward Earnings ratio of 23.27 indicates a rather expensive valuation of GSHD.
  • 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 75.84% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 25.11. GSHD is around the same levels.
Industry RankSector Rank
PE 27.46
Fwd PE 23.27
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

  • 63.76% of the companies in the same industry are cheaper than GSHD, based on the Enterprise Value to EBITDA ratio.
  • GSHD's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 70.47% of the companies in the same industry.
Industry RankSector Rank
P/FCF 27.51
EV/EBITDA 24.82
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.
  • A more expensive valuation may be justified as GSHD's earnings are expected to grow with 28.96% in the coming years.
PEG (NY)1.52
PEG (5Y)1.39
EPS Next 2Y26.18%
EPS Next 3Y28.96%

More info and screens

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%

More info and screens

Find the best dividend stocksShow peers with best dividend

GSHD Fundamentals: All Metrics, Ratios and Statistics

GOOSEHEAD INSURANCE INC -A

NASDAQ:GSHD (3/5/2026, 4:20:00 PM)

After market: 50.8 0 (0%)

50.8

+0.06 (+0.12%)

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 Change0.45%
Market Cap1.87B
Revenue(TTM)365.30M
Net Income(TTM)27.83M
Analysts73.33
Price Target79.15 (55.81%)
Short Float %10.54%
Short Ratio5.54
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 27.46
Fwd PE 23.27
P/S 5.12
P/FCF 27.51
P/OCF 20.4
P/B N/A
P/tB N/A
EV/EBITDA 24.82
EPS(TTM)1.85
EY3.64%
EPS(NY)2.18
Fwd EY4.3%
FCF(TTM)1.85
FCFY3.64%
OCF(TTM)2.49
OCFY4.9%
SpS9.92
BVpS-2.59
TBVpS-3.67
PEG (NY)1.52
PEG (5Y)1.39
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 2.95
F-Score5
WACC8.84%
ROIC/WACC2.34
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.