75.24 USD
-0.07 (-0.09%)
75.24 USD
0 (0%)
Taking everything into account, GSHD scores 5 out of 10 in our fundamental rating. GSHD was compared to 148 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 expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year GSHD was profitable.
GSHD had a positive operating cash flow in the past year.
GSHD had positive earnings in each of the past 5 years.
In the past 5 years GSHD always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of GSHD (7.50%) is better than 92.57% of its industry peers.
GSHD's Return On Invested Capital of 20.39% is amongst the best of the industry. GSHD outperforms 97.97% of its industry peers.
GSHD had an Average Return On Invested Capital over the past 3 years of 11.27%. This is below the industry average of 14.88%.
The last Return On Invested Capital (20.39%) for GSHD is above the 3 year average (11.27%), which is a sign of increasing profitability.
| 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
Looking at the Profit Margin, with a value of 8.55%, GSHD is in line with its industry, outperforming 52.70% of the companies in the same industry.
In the last couple of years the Profit Margin of GSHD has grown nicely.
With a decent Operating Margin value of 20.17%, GSHD is doing good in the industry, outperforming 69.59% of the companies in the same industry.
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
GSHD has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, GSHD has less shares outstanding
The number of shares outstanding for GSHD has been increased compared to 5 years ago.
Compared to 1 year ago, GSHD has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 4.00 indicates that GSHD is not in any danger for bankruptcy at the moment.
The Altman-Z score of GSHD (4.00) is better than 97.97% of its industry peers.
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.
With a Debt to FCF ratio value of 4.65, GSHD is not doing good in the industry: 62.16% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.65 | ||
| Altman-Z | 4 |
ROIC/WACC2.33
WACC8.74%
2.3 Liquidity
A Current Ratio of 0.16 indicates that GSHD may have some problems paying its short term obligations.
GSHD has a better Current ratio (0.16) than 64.86% of its industry peers.
A Quick Ratio of 0.16 indicates that GSHD may have some problems paying its short term obligations.
The Quick ratio of GSHD (0.16) is better than 64.86% of its industry peers.
| 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.
GSHD shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.81%.
GSHD shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 32.33% yearly.
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
Based on estimates for the next years, GSHD will show a very strong growth in Earnings Per Share. The EPS will grow by 20.35% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 37.62, GSHD can be considered very expensive at the moment.
GSHD's Price/Earnings ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 78.38% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.84, GSHD is valued a bit more expensive.
Based on the Price/Forward Earnings ratio of 34.44, the valuation of GSHD can be described as expensive.
Based on the Price/Forward Earnings ratio, GSHD is valued a bit more expensive than the industry average as 77.03% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 23.40. GSHD is valued slightly more expensive when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.62 | ||
| Fwd PE | 34.44 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GSHD is valued a bit more expensive than 71.62% of the companies in the same industry.
GSHD's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GSHD is more expensive than 72.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 44.03 | ||
| EV/EBITDA | 36.07 |
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 13.75% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.97
EPS Next 2Y4.52%
EPS Next 3Y13.75%
5. Dividend
5.1 Amount
GSHD has a Yearly Dividend Yield of 7.85%, which is a nice return.
GSHD's Dividend Yield is rather good when compared to the industry average which is at 2.42. GSHD pays more dividend than 94.59% of the companies in the same industry.
GSHD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.85% |
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%
75.24
-0.07 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners110.91%
Inst Owner Change-1.13%
Ins Owners4.24%
Ins Owner Change-9.38%
Market Cap2.77B
Revenue(TTM)353.97M
Net Income(TTM)30.25M
Analysts71.76
Price Target93.38 (24.11%)
Short Float %10.46%
Short Ratio7.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.85% |
Yearly Dividend0.13
Dividend Growth(5Y)-24.29%
DP691.97%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-17.28%
EPS NQ rev (1m)1.13%
EPS NQ rev (3m)6.77%
EPS NY rev (1m)1.54%
EPS NY rev (3m)-0.1%
Revenue NQ rev (1m)0.6%
Revenue NQ rev (3m)2.49%
Revenue NY rev (1m)0.34%
Revenue NY rev (3m)-0.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.62 | ||
| Fwd PE | 34.44 | ||
| P/S | 7.83 | ||
| P/FCF | 44.03 | ||
| P/OCF | 34.18 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 36.07 |
EPS(TTM)2
EY2.66%
EPS(NY)2.18
Fwd EY2.9%
FCF(TTM)1.71
FCFY2.27%
OCF(TTM)2.2
OCFY2.93%
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 | 4 |
F-Score8
WACC8.74%
ROIC/WACC2.33
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 of GOOSEHEAD INSURANCE INC -A (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.
What is the financial health of GOOSEHEAD INSURANCE INC -A (GSHD) stock?
The financial health rating of GOOSEHEAD INSURANCE INC -A (GSHD) is 4 / 10.
How sustainable is the dividend of GOOSEHEAD INSURANCE INC -A (GSHD) stock?
The dividend rating of GOOSEHEAD INSURANCE INC -A (GSHD) is 4 / 10 and the dividend payout ratio is 691.97%.