74.88 USD
+0.08 (+0.11%)
74.88 USD
0 (0%)
GSHD gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. GSHD has an average financial health and profitability rating. GSHD shows excellent growth, but is valued quite expensive already.
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.
GSHD had positive earnings in each of the past 5 years.
GSHD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GSHD's Return On Assets of 7.50% is amongst the best of the industry. GSHD outperforms 92.57% of its industry peers.
Looking at the Return On Invested Capital, with a value of 20.39%, GSHD belongs to the top of the industry, outperforming 97.97% of the companies in the same industry.
GSHD had an Average Return On Invested Capital over the past 3 years of 11.27%. This is below the industry average of 14.93%.
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
GSHD has a Profit Margin of 8.55%. This is comparable to the rest of the industry: GSHD outperforms 53.38% of its industry peers.
GSHD's Profit Margin has improved in the last couple of years.
GSHD's Operating Margin of 20.17% is fine compared to the rest of the industry. GSHD outperforms 70.27% of its industry peers.
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so GSHD is creating value.
The number of shares outstanding for GSHD has been reduced compared to 1 year ago.
Compared to 5 years ago, GSHD has more shares outstanding
The debt/assets ratio for GSHD is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.98 indicates that GSHD is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 3.98, GSHD belongs to the best of the industry, outperforming 97.97% of the companies in the same industry.
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.
GSHD's Debt to FCF ratio of 4.65 is on the low side compared to the rest of the industry. GSHD is outperformed by 62.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.65 | ||
| Altman-Z | 3.98 |
ROIC/WACC2.32
WACC8.77%
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.
GSHD has a Current ratio of 0.16. This is in the better half of the industry: GSHD outperforms 66.22% of its industry peers.
A Quick Ratio of 0.16 indicates that GSHD may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.16, GSHD is in the better half of the industry, outperforming 66.22% of the companies in the same industry.
| 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.
GSHD shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 38.67% yearly.
Looking at the last year, GSHD shows a very strong growth in Revenue. The Revenue has grown by 24.81%.
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)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
The Earnings Per Share is expected to grow by 20.35% on average over the next years. This is a very strong growth
GSHD is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.08% yearly.
EPS Next Y-8.9%
EPS Next 2Y4.52%
EPS Next 3Y13.75%
EPS Next 5Y20.35%
Revenue Next Year20.14%
Revenue Next 2Y19.68%
Revenue Next 3Y20.43%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 37.44, which means the current valuation is very expensive for GSHD.
79.73% 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 27.19, GSHD is valued a bit more expensive.
GSHD is valuated quite expensively with a Price/Forward Earnings ratio of 34.27.
GSHD's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 77.03% of the companies in the same industry.
GSHD's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 23.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.44 | ||
| Fwd PE | 34.27 |
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 70.95% 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 72.30% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 43.82 | ||
| EV/EBITDA | 35.88 |
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 13.75% in the coming years.
PEG (NY)N/A
PEG (5Y)0.97
EPS Next 2Y4.52%
EPS Next 3Y13.75%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.89%, GSHD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.41, GSHD pays a better dividend. On top of this GSHD pays more dividend than 94.59% of the companies listed in the same industry.
GSHD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.89% |
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
5.3 Sustainability
GSHD pays out 691.97% of its income as dividend. This is not a sustainable payout ratio.
DP691.97%
EPS Next 2Y4.52%
EPS Next 3Y13.75%
74.88
+0.08 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners111%
Inst Owner Change0%
Ins Owners4.26%
Ins Owner Change-9.38%
Market Cap2.76B
Revenue(TTM)353.97M
Net Income(TTM)30.25M
Analysts73.33
Price Target93.38 (24.71%)
Short Float %10.13%
Short Ratio7.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.89% |
Yearly Dividend0.13
Dividend Growth(5Y)-24.29%
DP691.97%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-2.3%
PT rev (3m)-16.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.59%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.1%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)2.49%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.44 | ||
| Fwd PE | 34.27 | ||
| P/S | 7.79 | ||
| P/FCF | 43.82 | ||
| P/OCF | 34.01 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 35.88 |
EPS(TTM)2
EY2.67%
EPS(NY)2.18
Fwd EY2.92%
FCF(TTM)1.71
FCFY2.28%
OCF(TTM)2.2
OCFY2.94%
SpS9.61
BVpS-2.85
TBVpS-3.78
PEG (NY)N/A
PEG (5Y)0.97
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 | 3.98 |
F-Score8
WACC8.77%
ROIC/WACC2.32
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-8.9%
EPS Next 2Y4.52%
EPS Next 3Y13.75%
EPS Next 5Y20.35%
Revenue 1Y (TTM)24.81%
Revenue growth 3Y27.62%
Revenue growth 5Y32.33%
Sales Q2Q%15.89%
Revenue Next Year20.14%
Revenue Next 2Y19.68%
Revenue Next 3Y20.43%
Revenue Next 5Y19.08%
EBIT growth 1Y78.62%
EBIT growth 3Y91.54%
EBIT growth 5Y34.1%
EBIT Next Year112.54%
EBIT Next 3Y45.97%
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 for 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 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 decline by -8.9% in the next year.