GOOSEHEAD INSURANCE INC -A (GSHD) Fundamental Analysis & Valuation
NASDAQ:GSHD • US38267D1090
50.74 USD
-1.52 (-2.91%)
At close: Mar 4, 2026
50.74 USD
0 (0%)
After Hours: 3/4/2026, 8:00:01 PM
This GSHD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
GSHD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. Both the profitability and the financial health of GSHD get a neutral evaluation. Nothing too spectacular is happening here. GSHD is valued quite expensive, but it does show an excellent growth.
1. GSHD Profitability Analysis
1.1 Basic Checks
- GSHD had positive earnings in the past year.
- GSHD had a positive operating cash flow in the past year.
- 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
- GSHD has a Return On Assets of 6.71%. This is amongst the best in the industry. GSHD outperforms 89.26% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 20.65%, GSHD belongs to the top of the industry, outperforming 97.32% 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 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 Rank | Sector 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%
1.3 Margins
- GSHD's Profit Margin of 7.62% is in line compared to the rest of the industry. GSHD outperforms 48.32% of its industry peers.
- GSHD's Profit Margin has been stable in the last couple of years.
- With a decent Operating Margin value of 20.38%, GSHD is doing good in the industry, outperforming 75.17% of the companies in the same industry.
- In the last couple of years the Operating Margin of GSHD has grown nicely.
| Industry Rank | Sector 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
2. GSHD Health Analysis
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
- Compared to 1 year ago, GSHD has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 3.02 indicates that GSHD is not in any danger for bankruptcy at the moment.
- The Altman-Z score of GSHD (3.02) is better than 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.
- Looking at the Debt to FCF ratio, with a value of 4.30, GSHD is doing worse than 61.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.3 | ||
| Altman-Z | 3.02 |
ROIC/WACC2.34
WACC8.81%
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.
- With a decent Current ratio value of 0.08, GSHD is doing good in the industry, outperforming 63.09% of the companies in the same industry.
- 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 63.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.08 | ||
| Quick Ratio | 0.08 |
3. GSHD Growth Analysis
3.1 Past
- The earnings per share for GSHD have decreased by -7.50% in the last year.
- The Earnings Per Share has been growing by 19.79% on average over the past years. This is quite good.
- GSHD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.15%.
- 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
- GSHD is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.36% yearly.
- 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
- 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.
4. GSHD Valuation Analysis
4.1 Price/Earnings Ratio
- GSHD is valuated quite expensively with a Price/Earnings ratio of 27.43.
- Based on the Price/Earnings ratio, GSHD is valued a bit more expensive than the industry average as 77.85% of the companies are valued more cheaply.
- The average S&P500 Price/Earnings ratio is at 27.03. GSHD is around the same levels.
- A Price/Forward Earnings ratio of 23.24 indicates a rather expensive valuation of GSHD.
- GSHD's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 76.51% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.11. GSHD is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.43 | ||
| Fwd PE | 23.24 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GSHD indicates a slightly more expensive valuation: GSHD is more expensive than 63.09% of the companies listed in the same industry.
- 69.80% 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 | 27.47 | ||
| EV/EBITDA | 25.47 |
4.3 Compensation for Growth
- GSHD's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- GSHD has a very decent profitability rating, which 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)1.52
PEG (5Y)1.39
EPS Next 2Y26.18%
EPS Next 3Y28.96%
5. GSHD Dividend Analysis
5.1 Amount
- No dividends for GSHD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
GSHD Fundamentals: All Metrics, Ratios and Statistics
50.74
-1.52 (-2.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-17 2026-02-17/amc
Earnings (Next)04-21 2026-04-21/amc
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 (55.99%)
Short Float %10.54%
Short Ratio5.54
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.43 | ||
| Fwd PE | 23.24 | ||
| P/S | 5.12 | ||
| P/FCF | 27.47 | ||
| P/OCF | 20.37 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 25.47 |
EPS(TTM)1.85
EY3.65%
EPS(NY)2.18
Fwd EY4.3%
FCF(TTM)1.85
FCFY3.64%
OCF(TTM)2.49
OCFY4.91%
SpS9.92
BVpS-2.59
TBVpS-3.67
PEG (NY)1.52
PEG (5Y)1.39
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3.02 |
F-Score5
WACC8.81%
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.