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Goosehead Insurance, Inc. (GSHD) stock analysis

GSHDNasdaqInsurance Agents, Brokers & ServiceFiscal year ends December 31
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 23, 2026Score 11/30
$45.66−0.49 (-1.06%)

Close on Nov 12, 2026Market cap $1.62BP/E 44.3Yield –

StockData Score

Prices as of Nov 12, 2026How the score works

Value1Growth4Performance4Health2Dividend0

Mixed11 of 30 checks passed

Goosehead Insurance passes 11 of the 30 checks behind our score; 14 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
4/6
Past performance
4/6
Financial health
2/6
Dividend
0/6

What stands out

  • Earnings grew over 5 years

    Net income grew 24.5% a year on average over the last five fiscal years.

  • Revenue growing 10%+ a year

    Revenue grew 20.4% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 226% a year over the last three fiscal years.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 27.1% of total debt.

What to watch

  • Earnings growth not accelerating

    Net income grew 18.0% over the last twelve months, against a 5-year average of 24.5% a year.

  • Interest not well covered

    Operating income covers interest expense 4.1 times; we look for at least 5.

  • P/E above the industry

    Goosehead Insurance's P/E of 44.3 is above the Insurance Agents, Brokers, and Service median of 30.5.

  • P/S above the industry

    Goosehead Insurance's price-to-sales of 4.03 is above the Insurance Agents, Brokers, and Service median of 3.39.

Valuation1/6

  • P/E below its 5-year median

    Goosehead Insurance's P/E of 44.3 is below its own 5-year median of 123.7.

  • P/E above the industry

    Goosehead Insurance's P/E of 44.3 is above the Insurance Agents, Brokers, and Service median of 30.5.

  • P/S above the industry

    Goosehead Insurance's price-to-sales of 4.03 is above the Insurance Agents, Brokers, and Service median of 3.39.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth4/6

  • Revenue growing 10%+ a year

    Revenue grew 20.4% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 226% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew 18.0% over the last twelve months, against a 5-year average of 24.5% a year.

  • Growing faster than the industry

    Revenue grew 17.7% over the last twelve months; the Insurance Agents, Brokers, and Service median is 13.8%.

  • Guidance raised

    Goosehead Insurance raised its full year 2026 Total revenues outlook on Jul 22, 2026.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance4/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on assets over 1%

    Return on assets was 8.4%; for a bank or insurer, 1% or more is considered good.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings grew over 5 years

    Net income grew 24.5% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 8.8% over the last twelve months, against a 5-year average of 5.3%.

  • Net margin above the industry

    Goosehead Insurance's net margin of 8.8% is above the Insurance Agents, Brokers, and Service median of 4.9%.

Financial health2/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 27.1% of total debt.

  • Interest not well covered

    Operating income covers interest expense 4.1 times; we look for at least 5.

  • Short-term assets cover short-term debts

    Current assets are 1.54 times current liabilities.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend0/6

  • No dividend

    Goosehead Insurance has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Goosehead Insurance. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 124
  • Insurance Agents, Brokers, and Service median 30.5

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$19.96M
Value traded per 1% price move
$7.34M

Downside

High risk

Typical loss in a bad month
36.1%
Volatility (annualized)
67%
Sharpe ratio, 1 year
-0.58
Beta to the S&P 500 (5Y)
1.35

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2016 to 2025

Operating margin

20.4%+3.3 pts over 5 years

Net margin

7.6%−0.3 pts over 5 years

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