71.55 USD
-0.2 (-0.28%)
71.55 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to GSHD. GSHD was compared to 148 industry peers in the Insurance industry. While GSHD has a great profitability rating, there are some minor concerns on its financial health. 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 98.65% of its industry peers.
GSHD had an Average Return On Invested Capital over the past 3 years of 11.27%. This is significantly above the industry average of 4.57%.
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 has a Profit Margin of 8.55%. This is comparable to the rest of the industry: GSHD outperforms 52.03% of its industry peers.
GSHD's Profit Margin has improved in the last couple of years.
GSHD has a Operating Margin of 20.17%. This is in the better half of the industry: GSHD outperforms 71.62% 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 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.
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
GSHD has an Altman-Z score of 3.84. This indicates that GSHD is financially healthy and has little risk of bankruptcy at the moment.
GSHD's Altman-Z score of 3.84 is amongst the best of the industry. GSHD outperforms 95.95% of its industry peers.
GSHD has a debt to FCF ratio of 4.65. This is a neutral value as GSHD would need 4.65 years to pay back of 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 | 3.84 |
ROIC/WACC2.37
WACC8.62%
2.3 Liquidity
A Current Ratio of 0.16 indicates that GSHD may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.16, GSHD is in the better half of the industry, outperforming 65.54% of the companies in the same industry.
GSHD has a Quick 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 Quick ratio (0.16) than 65.54% 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%.
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.
The Revenue is expected to grow by 19.08% on average over the next years. This is quite good.
EPS Next Y-10.29%
EPS Next 2Y5.36%
EPS Next 3Y14.48%
EPS Next 5Y20.35%
Revenue Next Year19.73%
Revenue Next 2Y19.88%
Revenue Next 3Y20.76%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
GSHD is valuated quite expensively with a Price/Earnings ratio of 35.77.
Based on the Price/Earnings ratio, GSHD is valued more expensive than 81.76% of the companies in the same industry.
GSHD is valuated rather expensively when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
GSHD is valuated quite expensively with a Price/Forward Earnings ratio of 32.22.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GSHD indicates a slightly more expensive valuation: GSHD is more expensive than 79.05% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of GSHD to the average of the S&P500 Index (36.56), we can say GSHD is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.78 | ||
| Fwd PE | 32.22 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GSHD is valued a bit more expensive than 72.30% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, GSHD is valued a bit more expensive than the industry average as 72.97% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 41.87 | ||
| EV/EBITDA | 34.44 |
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 14.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.93
EPS Next 2Y5.36%
EPS Next 3Y14.48%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.26%, GSHD is a good candidate for dividend investing.
GSHD's Dividend Yield is rather good when compared to the industry average which is at 3.32. 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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.26% |
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
5.3 Sustainability
GSHD pays out 691.97% of its income as dividend. This is not a sustainable payout ratio.
DP691.97%
EPS Next 2Y5.36%
EPS Next 3Y14.48%
71.55
-0.2 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners113.63%
Inst Owner Change-1.13%
Ins Owners4.15%
Ins Owner Change-9.59%
Market Cap2.64B
Revenue(TTM)353.97M
Net Income(TTM)30.25M
Analysts71.76
Price Target95.57 (33.57%)
Short Float %9.84%
Short Ratio6.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.26% |
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)-0.53%
PT rev (3m)-16.75%
EPS NQ rev (1m)2.36%
EPS NQ rev (3m)5.58%
EPS NY rev (1m)0.78%
EPS NY rev (3m)-1.62%
Revenue NQ rev (1m)0.47%
Revenue NQ rev (3m)1.88%
Revenue NY rev (1m)-0.34%
Revenue NY rev (3m)-1.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.78 | ||
| Fwd PE | 32.22 | ||
| P/S | 7.45 | ||
| P/FCF | 41.87 | ||
| P/OCF | 32.5 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 34.44 |
EPS(TTM)2
EY2.8%
EPS(NY)2.22
Fwd EY3.1%
FCF(TTM)1.71
FCFY2.39%
OCF(TTM)2.2
OCFY3.08%
SpS9.61
BVpS-2.85
TBVpS-3.78
PEG (NY)N/A
PEG (5Y)0.93
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 | 3.84 |
F-Score8
WACC8.62%
ROIC/WACC2.37
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-10.29%
EPS Next 2Y5.36%
EPS Next 3Y14.48%
EPS Next 5Y20.35%
Revenue 1Y (TTM)24.81%
Revenue growth 3Y27.62%
Revenue growth 5Y32.33%
Sales Q2Q%15.89%
Revenue Next Year19.73%
Revenue Next 2Y19.88%
Revenue Next 3Y20.76%
Revenue Next 5Y19.08%
EBIT growth 1Y78.62%
EBIT growth 3Y91.54%
EBIT growth 5Y34.1%
EBIT Next Year107.02%
EBIT Next 3Y53.46%
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 6 / 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 7 / 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%.