64 USD
+3.63 (+6.01%)
Last: Feb 4, 2026, 11:52 AM
Taking everything into account, GSHD scores 5 out of 10 in our fundamental rating. GSHD was compared to 147 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. 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.
1.2 Ratios
- Looking at the Return On Assets, with a value of 7.50%, GSHD belongs to the top of the industry, outperforming 92.52% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 20.39%, GSHD belongs to the best of the industry, outperforming 97.96% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for GSHD is below the industry average of 14.94%.
- 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
- GSHD's Profit Margin of 8.55% is in line compared to the rest of the industry. GSHD outperforms 53.06% of its industry peers.
- GSHD's Profit Margin has improved in the last couple of years.
- GSHD has a better Operating Margin (20.17%) than 70.07% 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
- GSHD has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- GSHD has less shares outstanding than it did 1 year ago.
- GSHD has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, GSHD has a worse debt to assets ratio.
2.2 Solvency
- GSHD has an Altman-Z score of 3.36. This indicates that GSHD is financially healthy and has little risk of bankruptcy at the moment.
- GSHD has a better Altman-Z score (3.36) than 97.28% 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: 62.59% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 4.65 | ||
| Altman-Z | 3.36 |
ROIC/WACC2.3
WACC8.87%
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 better Current ratio (0.16) than 66.67% of its industry peers.
- A Quick Ratio of 0.16 indicates that GSHD may have some problems paying its short term obligations.
- GSHD has a better Quick ratio (0.16) than 66.67% 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.
- 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 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
- The Revenue is expected to grow by 19.08% on average over the next years. This is quite good.
EPS Next Y-8.79%
EPS Next 2Y4.49%
EPS Next 3Y13.77%
EPS Next 5Y20.35%
Revenue Next Year20.16%
Revenue Next 2Y19.52%
Revenue Next 3Y20.3%
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
- Based on the Price/Earnings ratio of 32.00, the valuation of GSHD can be described as expensive.
- Based on the Price/Earnings ratio, GSHD is valued a bit more expensive than the industry average as 76.87% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 28.18, GSHD is valued at the same level.
- The Price/Forward Earnings ratio is 29.31, which means the current valuation is very expensive for GSHD.
- 76.87% of the companies in the same industry are cheaper than GSHD, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of GSHD to the average of the S&P500 Index (25.51), we can say GSHD is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32 | ||
| Fwd PE | 29.31 |
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 71.43% of the companies listed in the same industry.
- 71.43% 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 | 37.45 | ||
| EV/EBITDA | 29.51 |
4.3 Compensation for Growth
- The decent profitability rating of GSHD may justify a higher PE ratio.
- GSHD's earnings are expected to grow with 13.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.83
EPS Next 2Y4.49%
EPS Next 3Y13.77%
5. Dividend
5.1 Amount
- No dividends for GSHD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:GSHD (2/4/2026, 11:52:31 AM)
64
+3.63 (+6.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners111%
Inst Owner Change0.1%
Ins Owners4.26%
Ins Owner Change-8.18%
Market Cap2.36B
Revenue(TTM)353.97M
Net Income(TTM)30.25M
Analysts73.33
Price Target94.04 (46.94%)
Short Float %10.36%
Short Ratio9.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0.71%
PT rev (3m)-2.12%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)4.08%
EPS NY rev (1m)0.13%
EPS NY rev (3m)2.46%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)1.24%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32 | ||
| Fwd PE | 29.31 | ||
| P/S | 6.66 | ||
| P/FCF | 37.45 | ||
| P/OCF | 29.07 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 29.51 |
EPS(TTM)2
EY3.13%
EPS(NY)2.18
Fwd EY3.41%
FCF(TTM)1.71
FCFY2.67%
OCF(TTM)2.2
OCFY3.44%
SpS9.61
BVpS-2.85
TBVpS-3.78
PEG (NY)N/A
PEG (5Y)0.83
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 | 3.36 |
F-Score8
WACC8.87%
ROIC/WACC2.3
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-8.79%
EPS Next 2Y4.49%
EPS Next 3Y13.77%
EPS Next 5Y20.35%
Revenue 1Y (TTM)24.81%
Revenue growth 3Y27.62%
Revenue growth 5Y32.33%
Sales Q2Q%15.89%
Revenue Next Year20.16%
Revenue Next 2Y19.52%
Revenue Next 3Y20.3%
Revenue Next 5Y19.08%
EBIT growth 1Y78.62%
EBIT growth 3Y91.54%
EBIT growth 5Y34.1%
EBIT Next Year112.54%
EBIT Next 3Y47.88%
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 -8.79% in the next year.