A Business at a Glance
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Goosehead Insurance, Inc.
GSHD
$1.6B
Mkt Cap
$58.75
+9.00%
Goosehead Insurance, Inc. (GSHD) has a current P/E ratio of 56.5, compared to its historical median P/E of 78.7. The stock is currently considered Cheap based on its historical valuation range.
Goosehead Insurance, Inc. (GSHD) has a 5-year average return on invested capital (ROIC) of 13.2%. This indicates solid capital allocation.
Goosehead Insurance, Inc. (GSHD) has a market capitalization of $2.2B. It is classified as a mid-cap stock.
Yes, Goosehead Insurance, Inc. (GSHD) pays a dividend with a trailing twelve-month yield of 9.27%. The company also returns capital through share buybacks, with a buyback yield of 6.11%.
Based on historical P/E analysis, Goosehead Insurance, Inc. (GSHD) appears cheap. The current P/E of 56.5 is 28% below its historical median of 78.7. The estimated fair value CAGR (P/E method) is 19.2%.
Goosehead Insurance, Inc. (GSHD) operates in the Insurance Agents, Brokers & Service industry, within the Financials sector.
Goosehead Insurance, Inc. (GSHD) reported annual revenue of $365 million in its most recent fiscal year, based on SEC EDGAR filings.
Company overview We are a rapidly growing independent insurance agency, reinventing the traditional approach to distributing personal lines policies throughout the United States. Our differentiated business model and innovative technology platform have enabled us to deliver insurance customers a superior experience, as evidenced by our 77 Net Promoter Score, which is 3.5x the 2024 Industry Average according to Qualtrics XM Institute. To fully appreciate the value of our model, there are three lenses with which you can view us – from the perspective of 1) the insurance buyer; 2) the agent; and 3) the carrier. Insurance buyer perspective Insurance buyers desire to have the right coverage, based on their risk tolerance, at the lowest possible price, written with a reputable company who will respond quickly and fairly when they need to file a claim – desires that we believe only an independent insurance agent can fulfill.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 383M | 365M | 315M | 261M | 209M | 151M |
| Net Income | 30M | 28M | 30M | 14M | 565K | 5.4M |
| EPS | $0.80 | $1.04 | $1.16 | $0.55 | $0.03 | $0.26 |
| Free Cash Flow | 92M | 86M | 71M | 46M | 26M | 23M |
| ROIC | 36.6% | 17.4% | 27.5% | 14.7% | 0.6% | 6.0% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | -3.06 | 2.10 | 2.75 | 8.77 | -8.75 |
| Dividends/Share | $0.00 | $5.45 | $0.00 | $0.00 | $0.00 | $2.89 |
| Operating Income | 83M | 74M | 61M | 33M | 10M | 8.7M |
| Operating Margin | 21.6% | 20.4% | 19.4% | 12.6% | 4.8% | 5.7% |
| ROE | 0.0% | -107.8% | 84.7% | 73.2% | -33.7% | -57.2% |
| Shares Outstanding | 37M | 27M | 26M | 26M | 19M | 21M |
| Metric | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | 43M | 60M | 77M | 117M | 151M | 209M | 261M | 315M | 365M | 383M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 8.6M | 13M | 19M | 25M | 40M | 53M | 62M | 67M | 81M | 88M |
| EBIT | 7.6M | -14M | 14M | 20M | 8.7M | 10M | 33M | 61M | 74M | 83M |
| Op. Margin | 17.8% | -23.2% | 18.2% | 17.0% | 5.7% | 4.8% | 12.6% | 19.4% | 20.4% | 21.6% |
| Net Income | N/A | -8.9M | 3.6M | 9.3M | 5.4M | 565K | 14M | 30M | 28M | 30M |
| Net Margin | N/A | -14.8% | 4.6% | 7.9% | 3.6% | 0.3% | 5.4% | 9.7% | 7.6% | 7.9% |
| Non-Recurring | 0 | -22K | 0 | 0 | 0 | 0 | 3.6M | 273K | 4.9M | 4.9M |
| Returns on Capital | ||||||||||
| ROIC | N/A | -40.0% | 10.1% | 17.2% | 6.0% | 0.6% | 14.7% | 27.5% | 17.4% | 36.6% |
| ROE | N/A | 35.9% | -40.7% | -133.8% | -57.2% | -33.7% | 73.2% | 84.7% | -107.8% | 0.0% |
| ROA | N/A | -34.6% | 7.2% | 7.4% | 2.4% | 0.2% | 4.2% | 8.1% | 6.9% | 7.7% |
| Cash Flow | ||||||||||
| Op. Cash Flow | 14M | 10M | 21M | 25M | 35M | 36M | 51M | 72M | 92M | 99M |
| Free Cash Flow | 7.3M | 8.2M | 18M | 15M | 23M | 26M | 46M | 71M | 86M | 92M |
| Owner Earnings | 13M | -19M | 18M | 16M | 23M | 9.3M | 18M | 33M | 57M | 64M |
| CapEx | 6.2M | 2.1M | 3.7M | 10.0M | 13M | 10M | 4.5M | 979K | 5.7M | 6.7M |
| Maint. CapEx | 876K | 2.5M | 2.1M | 3.6M | 5.1M | 7.1M | 9.2M | 11M | 11M | 12M |
| Growth CapEx | 5.3M | 0 | 1.5M | 6.4M | 7.6M | 3.0M | 0 | 0 | 0 | 0 |
| D&A | 876K | 2.5M | 2.1M | 3.6M | 5.1M | 7.1M | 9.2M | 11M | 11M | 12M |
| CapEx/OCF | N/A | 20.4% | 17.4% | 40.5% | 35.9% | 28.4% | 8.8% | 1.4% | 6.2% | 6.8% |
| Capital Allocation | ||||||||||
| Dividends Paid | 26M | 80M | 19M | 45M | 60M | 0 | 0 | 0 | 146M | 0 |
| Dividend Yield | N/A | 25.1% | 3.3% | 3.4% | 2.4% | N/A | N/A | N/A | 5.8% | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 63M | 82M | 132M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2.4% | 4.1% | 6.1% |
| Stock-Based Comp | 0 | 27M | 1.5M | 4.7M | 7.3M | 20M | 24M | 28M | 23M | 23M |
| Debt Repayment | 342K | 639K | 0 | 677K | 666K | 0 | 0 | 621K | 7.9M | 7.9M |
| Balance Sheet | ||||||||||
| Net Debt | 44M | 30M | 32M | 58M | 94M | 65M | 35M | 38M | 258M | 292M |
| Cash & Equiv. | 4.9M | 19M | 14M | 25M | 29M | 29M | 42M | 54M | 34M | 26M |
| Long-Term Debt | 48M | 46M | 42M | 79M | 118M | 87M | 68M | 82M | 289M | 315M |
| Debt/Equity | -1.18 | -5.70 | -5.13 | -17.00 | -8.75 | 8.77 | 2.75 | 2.10 | -3.06 | 0.00 |
| Interest Coverage | 3.1 | -3.3 | 5.9 | 8.6 | 3.0 | 2.0 | 5.0 | 8.3 | 3.1 | 3.5 |
| Equity | -41M | -8.5M | -9.0M | -4.9M | -14M | 11M | 28M | 44M | -96M | -121M |
| Total Assets | 17M | 35M | 65M | 186M | 270M | 321M | 355M | 398M | 415M | 393M |
| Total Liabilities | 58M | 60M | 96M | 224M | 339M | 355M | 338M | 359M | 578M | 597M |
| Intangibles | 216K | 248K | 445K | 549K | 2.8M | 4.5M | 17M | 25M | 40M | 44M |
| Retained Earnings | 0 | -21M | -24M | -35M | -61M | -61M | -46M | -15M | -133M | -128M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||||||
| EPS | N/A | -0.66 | 0.22 | 0.51 | 0.26 | 0.03 | 0.55 | 1.16 | 1.04 | 0.80 |
| Owner EPS | N/A | -1.42 | 1.08 | 0.90 | 1.11 | 0.49 | 0.68 | 1.26 | 2.13 | 1.75 |
| Book Value | N/A | -0.63 | -0.56 | -0.27 | -0.67 | 0.57 | 1.09 | 1.67 | -3.57 | -3.31 |
| Cash Flow/Share | N/A | 0.76 | 1.31 | 1.35 | 1.71 | 1.91 | 1.98 | 2.73 | 3.43 | 1.14 |
| Dividends/Share | N/A | 5.93 | 1.16 | 2.45 | 2.89 | 0.00 | 0.00 | 0.00 | 5.45 | 0.00 |
| Shares Out. | N/A | 13.5M | 16.2M | 18.2M | 20.8M | 18.8M | 25.7M | 26.2M | 26.8M | 36.6M |
| Valuation | ||||||||||
| P/E Ratio | N/A | N/A | 176.9 | 226.3 | 461.4 | N/A | 132.7 | 85.0 | 72.4 | 73.5 |
| P/FCF | N/A | 40.3 | 36.0 | 143.3 | 109.8 | 23.5 | 40.5 | 36.6 | 23.4 | 23.3 |
| EV/EBIT | N/A | N/A | 103.2 | 216.6 | 295.5 | 125.5 | 57.0 | 42.2 | 30.1 | 29.5 |
| Price/Book | N/A | N/A | N/A | N/A | N/A | 115.1 | 67.1 | 58.9 | N/A | N/A |
| Price/Sales | N/A | 14.3 | 16.8 | 22.9 | 16.6 | 10.2 | 5.6 | 6.4 | 6.9 | 5.6 |
| FCF Yield | N/A | 0.9% | 1.2% | 0.3% | 0.9% | 2.1% | 2.5% | 2.7% | 4.3% | 4.3% |
| Market Cap | N/A | 887M | 1.4B | 4.3B | 2.5B | 1.2B | 1.9B | 2.6B | 2.0B | 2.2B |
| Avg. Price | N/A | 23.64 | 35.40 | 72.18 | 121.02 | 56.17 | 56.57 | 76.77 | 94.03 | 58.75 |
| Year-End Price | N/A | 24.43 | 38.91 | 115.41 | 119.96 | 32.35 | 72.99 | 98.58 | 75.31 | 58.75 |
Goosehead Insurance, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
Goosehead Insurance, Inc. trades at 56.5x trailing earnings, compared to its 15-year median P/E of 78.7x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 16.8x vs a median of 36.3x. The company's 5-year average ROIC is 13.2%. Total shareholder yield (dividends + buybacks) is 15.4%. At current prices, the estimated annualized return to fair value is +44.6%.
Goosehead Insurance, Inc. (GSHD) has a net profit margin of 7.6%. This is a modest margin.
Goosehead Insurance, Inc. (GSHD) generated $86 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Goosehead Insurance, Inc. (GSHD) reported earnings per share (EPS) of $1.04 in its most recent fiscal year.
Goosehead Insurance, Inc. (GSHD) has a return on equity (ROE) of -107.8%. A negative ROE may indicate losses or negative equity.
The Ledger Terminal provides 9 years of financial data for Goosehead Insurance, Inc. (GSHD), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Goosehead Insurance, Inc. (GSHD) has a book value per share of $-3.57, based on its most recent annual SEC filing.