Logo image of GSHD

GOOSEHEAD INSURANCE INC -A (GSHD) Stock Fundamental Analysis

NASDAQ:GSHD - Nasdaq - US38267D1090 - Common Stock - Currency: USD

101.76  +2.73 (+2.76%)

After market: 101.76 0 (0%)

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to GSHD. GSHD was compared to 144 industry peers in the Insurance industry. While GSHD belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. GSHD is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

7

1. Profitability

1.1 Basic Checks

In the past year GSHD was profitable.
GSHD had a positive operating cash flow in the past year.
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 0 20M 40M 60M

1.2 Ratios

GSHD has a Return On Assets of 7.50%. This is amongst the best in the industry. GSHD outperforms 95.14% of its industry peers.
GSHD's Return On Invested Capital of 18.18% is amongst the best of the industry. GSHD outperforms 99.31% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GSHD is significantly above the industry average of 4.08%.
The 3 year average ROIC (11.27%) for GSHD is below the current ROIC(18.18%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 7.5%
ROE N/A
ROIC 18.18%
ROA(3y)3.94%
ROA(5y)3.77%
ROE(3y)33.31%
ROE(5y)N/A
ROIC(3y)11.27%
ROIC(5y)10.24%
GSHD Yearly ROA, ROE, ROICGSHD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150

1.3 Margins

With a decent Profit Margin value of 9.51%, GSHD is doing good in the industry, outperforming 64.58% of the companies in the same industry.
GSHD's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 20.36%, GSHD is doing good in the industry, outperforming 79.86% of the companies in the same industry.
GSHD's Operating Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 20.36%
PM (TTM) 9.51%
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
GSHD Yearly Profit, Operating, Gross MarginsGSHD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

More info and screens

4

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.
The number of shares outstanding for GSHD has been increased compared to 5 years ago.
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 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 100M 200M 300M

2.2 Solvency

An Altman-Z score of 5.17 indicates that GSHD is not in any danger for bankruptcy at the moment.
The Altman-Z score of GSHD (5.17) is better than 99.31% of its industry peers.
The Debt to FCF ratio of GSHD is 4.70, which is a neutral value as it means it would take GSHD, 4.70 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.70, GSHD is not doing good in the industry: 64.58% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.7
Altman-Z 5.17
ROIC/WACC1.89
WACC9.62%
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 0 50M 100M

2.3 Liquidity

GSHD has a Current Ratio of 0.26. This is a bad value and indicates that GSHD is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of GSHD (0.26) is better than 70.14% of its industry peers.
GSHD has a Quick Ratio of 0.26. 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 0.26 is fine compared to the rest of the industry. GSHD outperforms 70.14% of its industry peers.
Industry RankSector Rank
Current Ratio 0.26
Quick Ratio 0.26
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 20M 40M 60M 80M 100M

More info and screens

9

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 38.46% over the past year.
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 21.60% 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)38.46%
EPS 3Y60.91%
EPS 5Y38.67%
EPS Q2Q%-7.14%
Revenue 1Y (TTM)21.6%
Revenue growth 3Y27.62%
Revenue growth 5Y32.33%
Sales Q2Q%17.26%

3.2 Future

The Earnings Per Share is expected to grow by 21.28% on average over the next years. This is a very strong growth
Based on estimates for the next years, GSHD will show a quite strong growth in Revenue. The Revenue will grow by 19.08% on average per year.
EPS Next Y-5.13%
EPS Next 2Y13.92%
EPS Next 3Y19.34%
EPS Next 5Y21.28%
Revenue Next Year21.7%
Revenue Next 2Y23.25%
Revenue Next 3Y23.91%
Revenue Next 5Y19.08%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 2 4 6 8

More info and screens

1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 51.39, the valuation of GSHD can be described as expensive.
80.56% of the companies in the same industry are cheaper than GSHD, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.65, GSHD is valued quite expensively.
Based on the Price/Forward Earnings ratio of 39.20, the valuation of GSHD can be described as expensive.
GSHD's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 79.17% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of GSHD to the average of the S&P500 Index (21.27), we can say GSHD is valued expensively.
Industry RankSector Rank
PE 51.39
Fwd PE 39.2
GSHD Price Earnings VS Forward Price EarningsGSHD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

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 68.75% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, GSHD is valued a bit more expensive than the industry average as 79.17% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 61.19
EV/EBITDA 52.1
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 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 19.34% in the coming years.
PEG (NY)N/A
PEG (5Y)1.33
EPS Next 2Y13.92%
EPS Next 3Y19.34%

More info and screens

4

5. Dividend

5.1 Amount

GSHD has a Yearly Dividend Yield of 5.97%, which is a nice return.
GSHD's Dividend Yield is rather good when compared to the industry average which is at 3.52. GSHD pays more dividend than 86.81% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, GSHD pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.97%

5.2 History

The dividend of GSHD decreases each year by -24.29%.
GSHD has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)-24.29%
Div Incr Years0
Div Non Decr Years0
GSHD Yearly Dividends per shareGSHD Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2025 1 2 3 4 5

5.3 Sustainability

677.80% of the earnings are spent on dividend by GSHD. This is not a sustainable payout ratio.
DP677.8%
EPS Next 2Y13.92%
EPS Next 3Y19.34%
GSHD Yearly Income VS Free CF VS DividendGSHD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M
GSHD Dividend Payout.GSHD Dividend Payout, showing the Payout Ratio.GSHD Dividend Payout.PayoutRetained Earnings

More info and screens

GOOSEHEAD INSURANCE INC -A

NASDAQ:GSHD (6/23/2025, 8:20:04 PM)

After market: 101.76 0 (0%)

101.76

+2.73 (+2.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners106.29%
Inst Owner Change0.97%
Ins Owners5.65%
Ins Owner Change-16.28%
Market Cap3.82B
Analysts72.5
Price Target120.74 (18.65%)
Short Float %9.07%
Short Ratio7.49
Dividend
Industry RankSector Rank
Dividend Yield 5.97%
Yearly Dividend0.13
Dividend Growth(5Y)-24.29%
DP677.8%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-21 2025-01-21 (5.91)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)56.09%
Min EPS beat(2)17.09%
Max EPS beat(2)95.09%
EPS beat(4)4
Avg EPS beat(4)32.09%
Min EPS beat(4)7.84%
Max EPS beat(4)95.09%
EPS beat(8)7
Avg EPS beat(8)29.58%
EPS beat(12)9
Avg EPS beat(12)48.19%
EPS beat(16)11
Avg EPS beat(16)44.44%
Revenue beat(2)1
Avg Revenue beat(2)5.56%
Min Revenue beat(2)-6.08%
Max Revenue beat(2)17.19%
Revenue beat(4)2
Avg Revenue beat(4)2.27%
Min Revenue beat(4)-6.08%
Max Revenue beat(4)17.19%
Revenue beat(8)4
Avg Revenue beat(8)0.04%
Revenue beat(12)8
Avg Revenue beat(12)1.56%
Revenue beat(16)9
Avg Revenue beat(16)0.96%
PT rev (1m)0%
PT rev (3m)-0.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.19%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.3%
Valuation
Industry RankSector Rank
PE 51.39
Fwd PE 39.2
P/S 11.73
P/FCF 61.19
P/OCF 50.81
P/B N/A
P/tB N/A
EV/EBITDA 52.1
EPS(TTM)1.98
EY1.95%
EPS(NY)2.6
Fwd EY2.55%
FCF(TTM)1.66
FCFY1.63%
OCF(TTM)2
OCFY1.97%
SpS8.68
BVpS-2.36
TBVpS-3.08
PEG (NY)N/A
PEG (5Y)1.33
Profitability
Industry RankSector Rank
ROA 7.5%
ROE N/A
ROCE 20.25%
ROIC 18.18%
ROICexc 23.15%
ROICexgc 26.6%
OM 20.36%
PM (TTM) 9.51%
GM N/A
FCFM 19.17%
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%
ROICexcg growth 3Y72.95%
ROICexcg 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 Turnover0.79
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.7
Debt/EBITDA 3.74
Cap/Depr 112.99%
Cap/Sales 3.92%
Interest Coverage 6.9
Cash Conversion 96.88%
Profit Quality 201.63%
Current Ratio 0.26
Quick Ratio 0.26
Altman-Z 5.17
F-Score8
WACC9.62%
ROIC/WACC1.89
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)38.46%
EPS 3Y60.91%
EPS 5Y38.67%
EPS Q2Q%-7.14%
EPS Next Y-5.13%
EPS Next 2Y13.92%
EPS Next 3Y19.34%
EPS Next 5Y21.28%
Revenue 1Y (TTM)21.6%
Revenue growth 3Y27.62%
Revenue growth 5Y32.33%
Sales Q2Q%17.26%
Revenue Next Year21.7%
Revenue Next 2Y23.25%
Revenue Next 3Y23.91%
Revenue Next 5Y19.08%
EBIT growth 1Y101.28%
EBIT growth 3Y91.54%
EBIT growth 5Y34.1%
EBIT Next Year115.48%
EBIT Next 3Y55.91%
EBIT Next 5Y33.78%
FCF growth 1Y127.61%
FCF growth 3Y43.64%
FCF growth 5Y28.2%
OCF growth 1Y86.84%
OCF growth 3Y26.38%
OCF growth 5Y27.49%