GSHD

Goosehead Insurance, Inc

Fundamental data last updated:September 17, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Diversified

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Goosehead Insurance, Inc. operates as a holding company for Goosehead Financial, LLC that provides personal lines insurance agency services in the United States. The company operates in two segments, Corporate Channel and Franchise Channel. It offers homeowner's, insurance, automotive, dwelling property insurance, flood, wind, earthquake, excess liability or umbrella, motorcycle, recreational vehicle, general liability, property, and life insurance products and services. As of December 31, 2021, the company had 2,151 total franchises. Goosehead Insurance, Inc. was founded in 2003 and is headquartered in Westlake, Texas.

 


VALUATION

P/E

28.15

Market Cap ($M USD)

$1.34B

Forward P/E

6.29

PEG

0.02

PRICE TO SALES

3.49

PRICE TO BOOK

-7.05

EV / EBITDA

17.70

5-Year Average P/E

Free Cash Flow Yield

7.12%

DCF Value

$21.45

Graham Number

N/A

Price to FCF

14.05

EV to FCF

17.72

Earnings Yield

3.55%

FCF Yield

7.12%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

660.34%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$1.25

Next Year EPS Growth Estimate

$5.60

Next Year Revenue Growth Estimate

$427.32M

Return on Equity (ROE)

-30.35%

FREE CASH FLOW

Operating Margin

20.20%

Debt-to-Equity

-3.69

Piotroski F-Score

7

Altman Z-Score

2.93

Return on Invested Capital (ROIC)

20.31%

Current Ratio

6.09

Quick Ratio

6.09

Net Debt to EBITDA

3.67

Interest Coverage

3.30

Gross Profit margin

73.65%

FCF PER SHARE

$3.92

REVENUE PER SHARE

$15.77

Gainseekers Quantitative Analysis

Summary

The market seems to be mispricing Goosehead Insurance, Inc. relative to its DCF value, with recent pricing indicating it traded above this intrinsic measure. The Forward P/E of 7.30 suggests potential undervaluation, especially when juxtaposed with an impressive earnings growth forecast. However, the negative Price/Book ratio and a concerning Return on Equity of -30.35% raise red flags about financial health. The Altman Z-score of 2.96 indicates moderate safety, but the Earnings Yield of 3.06% suggests the stock isn’t a cash cow just yet. Overall, the valuation presents a mixed bag, with growth prospects overshadowed by structural weaknesses.

AI Exposure / Tech Reliance

In the insurance industry, Goosehead Insurance is well-positioned to leverage AI and tech advancements. The sector's reliance on data analytics for risk assessment and customer personalization aligns with AI capabilities. This adaptability could enhance operational efficiency and customer retention, crucial for long-term resilience.

The Bull Case

For the value or GARP investor, Goosehead Insurance offers compelling reasons to buy. A robust ROIC of 20.31% highlights efficient capital allocation, while a Piotroski F-Score of 7 indicates solid financial health. The Free Cash Flow Yield of 6.14% and a strong Operating Margin of 20.20% suggest the company has significant pricing power and operational efficiency. These metrics paint a picture of a company capable of generating substantial cash flow, making it an attractive investment for those seeking growth at a reasonable price.

The Bear Case

Despite some strengths, Goosehead Insurance faces significant structural risks. The negative Price/Book ratio and a Debt/Equity ratio of -3.69 signal potential financial instability. Additionally, the stock's recent pricing extended well above its 52-week high, suggesting technical overextension. The lack of dividends and a high Payout Ratio of 660.34% further exacerbate concerns about cash flow sustainability. These factors could deter risk-averse investors wary of overvaluation and financial fragility.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$66.00

Institutional Ownership %

1-Year Beta

1.62

Insider Buying % (6 Mo)

Distance to 52-Week High

220.75%

Distance to 52-Week Low

4.40%

EARNINGS SURPRISE %

50.00%

50-DAY SMA

$42.54

200-DAY SMA

$62.80

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.