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GOOSEHEAD INSURANCE INC -A (GSHD) Stock Fundamental Analysis

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

102.38  +5.26 (+5.42%)

After market: 102.38 0 (0%)

Fundamental Rating

6

GSHD gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 143 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 expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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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.
Each year in the past 5 years GSHD had a positive operating cash flow.
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's Return On Assets of 7.50% is amongst the best of the industry. GSHD outperforms 95.80% of its industry peers.
GSHD has a Return On Invested Capital of 18.18%. This is amongst the best in the industry. GSHD outperforms 99.30% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GSHD is significantly above the industry average of 4.47%.
The last Return On Invested Capital (18.18%) for GSHD is above the 3 year average (11.27%), which is a sign of increasing profitability.
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 60.14% of the companies in the same industry.
In the last couple of years the Profit Margin of GSHD has grown nicely.
The Operating Margin of GSHD (20.36%) is better than 76.92% 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 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

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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.
GSHD has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, GSHD has more shares outstanding
Compared to 1 year ago, GSHD has a worse debt to assets ratio.
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 4.96 indicates that GSHD is not in any danger for bankruptcy at the moment.
GSHD has a Altman-Z score of 4.96. This is amongst the best in the industry. GSHD outperforms 99.30% 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.
GSHD's Debt to FCF ratio of 4.70 is on the low side compared to the rest of the industry. GSHD is outperformed by 67.13% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 4.7
Altman-Z 4.96
ROIC/WACC2.04
WACC8.93%
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.
GSHD has a Current ratio of 0.26. This is in the better half of the industry: GSHD outperforms 71.33% of its industry peers.
A Quick Ratio of 0.26 indicates that GSHD may have some problems paying its short term obligations.
GSHD's Quick ratio of 0.26 is fine compared to the rest of the industry. GSHD outperforms 71.33% 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

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9

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 38.46% 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 21.60%.
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%17.25%

3.2 Future

The Earnings Per Share is expected to grow by 23.79% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 19.08% on average over the next years. This is quite good.
EPS Next Y-5.26%
EPS Next 2Y14.91%
EPS Next 3Y21.71%
EPS Next 5Y23.79%
Revenue Next Year24.38%
Revenue Next 2Y25.29%
Revenue Next 3Y26.55%
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.
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 10

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1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 51.71, the valuation of GSHD can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of GSHD indicates a rather expensive valuation: GSHD more expensive than 83.22% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.22, GSHD is valued quite expensively.
GSHD is valuated quite expensively with a Price/Forward Earnings ratio of 38.77.
Based on the Price/Forward Earnings ratio, GSHD is valued a bit more expensive than the industry average as 77.62% of the companies are valued more cheaply.
GSHD's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 20.86.
Industry RankSector Rank
PE 51.71
Fwd PE 38.77
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

GSHD's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 69.23% 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 74.83% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 61.56
EV/EBITDA 49.85
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

GSHD has a very decent profitability rating, which may justify a higher PE ratio.
GSHD's earnings are expected to grow with 21.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)1.34
EPS Next 2Y14.91%
EPS Next 3Y21.71%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.77%, GSHD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.27, GSHD pays a better dividend. On top of this GSHD pays more dividend than 90.21% of the companies listed 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 5.77%

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
GSHD Yearly Dividends per shareGSHD Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2025 1 2 3 4 5

5.3 Sustainability

GSHD pays out 677.80% of its income as dividend. This is not a sustainable payout ratio.
DP677.8%
EPS Next 2Y14.91%
EPS Next 3Y21.71%
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

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GOOSEHEAD INSURANCE INC -A

NASDAQ:GSHD (5/2/2025, 8:00:01 PM)

After market: 102.38 0 (0%)

102.38

+5.26 (+5.42%)

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 Owners109.89%
Inst Owner Change0.27%
Ins Owners3.07%
Ins Owner Change-4.59%
Market Cap3.84B
Analysts72.5
Price Target121.51 (18.69%)
Short Float %11.33%
Short Ratio8.3
Dividend
Industry RankSector Rank
Dividend Yield 5.77%
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)0.48%
PT rev (3m)11.1%
EPS NQ rev (1m)-10.04%
EPS NQ rev (3m)-28.75%
EPS NY rev (1m)-2.3%
EPS NY rev (3m)-12.61%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)-1.78%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)-0.36%
Valuation
Industry RankSector Rank
PE 51.71
Fwd PE 38.77
P/S 11.8
P/FCF 61.56
P/OCF 51.12
P/B N/A
P/tB N/A
EV/EBITDA 49.85
EPS(TTM)1.98
EY1.93%
EPS(NY)2.64
Fwd EY2.58%
FCF(TTM)1.66
FCFY1.62%
OCF(TTM)2
OCFY1.96%
SpS8.68
BVpS-2.36
TBVpS-3.08
PEG (NY)N/A
PEG (5Y)1.34
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 4.96
F-Score8
WACC8.93%
ROIC/WACC2.04
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-5.26%
EPS Next 2Y14.91%
EPS Next 3Y21.71%
EPS Next 5Y23.79%
Revenue 1Y (TTM)21.6%
Revenue growth 3Y27.62%
Revenue growth 5Y32.33%
Sales Q2Q%17.25%
Revenue Next Year24.38%
Revenue Next 2Y25.29%
Revenue Next 3Y26.55%
Revenue Next 5Y19.08%
EBIT growth 1Y101.28%
EBIT growth 3Y91.54%
EBIT growth 5Y34.1%
EBIT Next Year116.57%
EBIT Next 3Y59.46%
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%