(GSHD) Goosehead Insurance - Ratings and Ratios
Home, Auto, Umbrella, Life, Commercial
GSHD EPS (Earnings per Share)
GSHD Revenue
Description: GSHD Goosehead Insurance
Goosehead Insurance Inc (NASDAQ:GSHD) is a holding company that provides personal lines insurance agency services in the United States through its subsidiary, Goosehead Financial, LLC. The company offers a diverse range of insurance products, including homeowners, automotive, and life insurance, as well as insurance policies for small businesses and recreational vehicles.
From a business perspective, Goosehead Insurance has a unique distribution model, utilizing both corporate and franchise locations to reach customers. With its headquarters in Westlake, Texas, the company has established itself as a significant player in the insurance brokerage industry. Key performance indicators (KPIs) to watch for this company include revenue growth, policyholder retention rates, and the number of franchise locations. Additionally, metrics such as the companys loss ratio, expense ratio, and combined ratio can provide insight into its operational efficiency and profitability.
To further evaluate Goosehead Insurances performance, its essential to analyze its financial statements and industry trends. Some relevant KPIs include the companys return on equity (ROE), which is currently negative, indicating a need for improvement. Other metrics, such as the price-to-sales (P/S) ratio and the dividend yield (if applicable), can also provide valuable insights. With a market capitalization of approximately $3.29 billion, Goosehead Insurance is a mid-cap company with potential for growth, pending its ability to improve profitability and expand its customer base.
Investors and analysts should closely monitor Goosehead Insurances ability to execute its business strategy, manage expenses, and respond to industry trends, such as changes in regulatory requirements or shifts in consumer demand. By examining key metrics and industry trends, stakeholders can gain a more comprehensive understanding of the companys strengths, weaknesses, and potential for long-term success.
GSHD Stock Overview
| Market Cap in USD | 3,030m |
| Sub-Industry | Insurance Brokers |
| IPO / Inception | 2018-04-27 |
GSHD Stock Ratings
| Growth Rating | 32.7% |
| Fundamental | 76.5% |
| Dividend Rating | 67.5% |
| Return 12m vs S&P 500 | -17.7% |
| Analyst Rating | 3.40 of 5 |
GSHD Dividends
| Dividend Yield 12m | 6.43% |
| Yield on Cost 5y | 8.05% |
| Annual Growth 5y | 19.11% |
| Payout Consistency | 34.2% |
| Payout Ratio | 2.9% |
GSHD Growth Ratios
| Growth Correlation 3m | -87.8% |
| Growth Correlation 12m | -16.3% |
| Growth Correlation 5y | -15.2% |
| CAGR 5y | 30.16% |
| CAGR/Max DD 3y | 0.72 |
| CAGR/Mean DD 3y | 3.54 |
| Sharpe Ratio 12m | -0.60 |
| Alpha | 0.00 |
| Beta | 0.972 |
| Volatility | 51.77% |
| Current Volume | 616.3k |
| Average Volume 20d | 239.5k |
| Stop Loss | 78 (-3.3%) |
| Signal | 1.06 |
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income (29.9m TTM) > 0 and > 6% of Revenue (6% = 20.5m TTM) |
| FCFTA 0.17 (>2.0%) and ΔFCFTA 1.79pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 26.04% (prev 2.27%; Δ 23.77pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.19 (>3.0%) and CFO 85.0m > Net Income 29.9m (YES >=105%, WARN >=100%) |
| Net Debt (-34.1m) to EBITDA (64.3m) ratio: -0.53 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.92 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (38.6m) change vs 12m ago 1.37% (target <= -2.0% for YES) |
| Gross Margin 45.26% (prev 41.10%; Δ 4.16pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 88.17% (prev 81.78%; Δ 6.39pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.36 (EBITDA TTM 64.3m / Interest Expense TTM 16.0m) >= 6 (WARN >= 3) |
Altman Z'' 0.84
| (A) 0.20 = (Total Current Assets 135.2m - Total Current Liabilities 46.2m) / Total Assets 436.6m |
| (B) -0.35 = Retained Earnings (Balance) -153.7m / Total Assets 436.6m |
| (C) 0.14 = EBIT TTM 53.8m / Avg Total Assets 387.4m |
| (D) -0.27 = Book Value of Equity -153.3m / Total Liabilities 567.2m |
| Total Rating: 0.84 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 76.53
| 1. Piotroski 7.50pt = 2.50 |
| 2. FCF Yield 2.36% = 1.18 |
| 3. FCF Margin 22.30% = 5.57 |
| 4. Debt/Equity 6.75 = -2.50 |
| 5. Debt/Ebitda 4.61 = -2.50 |
| 6. ROIC - WACC 17.84% = 12.50 |
| 7. RoE data missing |
| 8. Rev. Trend 87.96% = 6.60 |
| 9. EPS Trend 63.67% = 3.18 |
What is the price of GSHD shares?
Over the past week, the price has changed by +0.02%, over one month by -5.45%, over three months by -20.49% and over the past year by -2.31%.
Is Goosehead Insurance a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of GSHD is around 75.20 USD . This means that GSHD is currently overvalued and has a potential downside of -6.75%.
Is GSHD a buy, sell or hold?
- Strong Buy: 1
- Buy: 3
- Hold: 5
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the GSHD price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 109.7 | 36% |
| Analysts Target Price | 109.7 | 36% |
| ValueRay Target Price | 84.7 | 5% |
Last update: 2025-09-15 04:37
GSHD Fundamental Data Overview
CCE Cash And Equivalents = 92.4m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 70.7632
P/E Forward = 32.5733
P/S = 8.8913
P/B = 54.1593
Beta = 1.337
Revenue TTM = 341.6m USD
EBIT TTM = 53.8m USD
EBITDA TTM = 64.3m USD
Long Term Debt = 289.8m USD (from longTermDebt, last quarter)
Short Term Debt = 6.36m USD (from shortTermDebt, last quarter)
Debt = 296.1m USD (Calculated: Short Term 6.36m + Long Term 289.8m)
Net Debt = -34.1m USD (from netDebt column, last quarter)
Enterprise Value = 3.23b USD (3.03b + Debt 296.1m - CCE 92.4m)
Interest Coverage Ratio = 3.36 (Ebit TTM 53.8m / Interest Expense TTM 16.0m)
FCF Yield = 2.36% (FCF TTM 76.2m / Enterprise Value 3.23b)
FCF Margin = 22.30% (FCF TTM 76.2m / Revenue TTM 341.6m)
Net Margin = 8.76% (Net Income TTM 29.9m / Revenue TTM 341.6m)
Gross Margin = 45.26% ((Revenue TTM 341.6m - Cost of Revenue TTM 187.0m) / Revenue TTM)
Tobins Q-Ratio = -21.09 (set to none) (Enterprise Value 3.23b / Book Value Of Equity -153.3m)
Interest Expense / Debt = 2.13% (Interest Expense 6.30m / Debt 296.1m)
Taxrate = -5.17% (set to none) (-2.41m / 46.7m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 2.92 (Total Current Assets 135.2m / Total Current Liabilities 46.2m)
Debt / Equity = 6.75 (Debt 296.1m / last Fiscal Year total Stockholder Equity 43.9m)
Debt / EBITDA = 4.61 (Net Debt -34.1m / EBITDA 64.3m)
Debt / FCF = 3.89 (Debt 296.1m / FCF TTM 76.2m)
Total Stockholder Equity = -16.2m (last 4 quarters mean)
RoA = 6.85% (Net Income 29.9m, Total Assets 436.6m )
RoE = unknown (Net Income TTM 29.9m / Total Stockholder Equity -16.2m)
RoCE = 19.65% (Ebit 53.8m / (Equity -16.2m + L.T.Debt 289.8m))
RoIC = 17.84% (Ebit 53.8m / (Assets 436.6m - Current Assets 135.2m))
WACC = unknown (E(3.03b)/V(3.33b) * Re(9.60%)) + (D(296.1m)/V(3.33b) * Rd(2.13%) * (1-Tc(none)))
Shares Correlation 3-Years: 77.86 | Cagr: 5.42%
Discount Rate = 9.60% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.55% ; FCFE base≈66.9m ; Y1≈82.5m ; Y5≈140.7m
Fair Price DCF = 71.57 (DCF Value 1.81b / Shares Outstanding 25.4m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 63.67 | EPS CAGR: 29.63% | SUE: -0.06 | # QB: False
Revenue Correlation: 87.96 | Revenue CAGR: 19.44%
Additional Sources for GSHD Stock
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