GSHD Goosehead Insurance Inc
$45.77
▲ 0.4%Updated Oct 16, 2:25 PM ET
Report Card
GSHD at a glance — five pillars scored 0–100 from real filed financials.
How the 0–100 rating is calculatedOverall: not rated yet. This stock's fundamentals ratios aren't loaded, so only the pillars its filings support are scored.
Key Metrics
Market Cap
—
P/E
—
Forward P/E (est.)
—
ROE
—
Revenue Growth
—
EPS Growth
—
Profit Margin
—
FCF Yield
—
Debt / Equity
—
ROIC
—
Interest Coverage
11.34x
Current Ratio
1.54x
Dividend Yield
—
Implied Growth (rev. DCF)
—
Rating Score
Not rated
Business Overview
Goosehead Insurance Inc (GSHD) is a NASDAQ-listed company in the Insurance industry, within the Financials sector.
In its latest reported year it generated about $365.30M in revenue and $27.83M in net profit.
Our model hasn't rated GSHD yet because its fundamentals ratios (P/E, margins, returns on capital, leverage) aren't loaded. Any financial history below comes straight from its SEC filings and refreshes automatically.
Economic Moat
Evidence of durable competitive advantage in the filed financials (9 years of history).
Profit margins and economic moats, explainedSome durable-advantage evidence, but not across the board — dig into which ingredient is weak and whether it's cyclical or structural.
17.5% average over the last 3 years
±13.0 pts around 10.3% across 9 years
grew in 8 of the last 8 year-over-year periods
positive in 9 of 9 years
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Revenue Growth
4Y CAGR
24.7%
Revenue moved from $42.71M in 2017 to $365.30M in 2025, a 30.8% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Profitability
Gross Margin
—
Operating Margin
20.4%
Net Margin
7.6%
ROE
—
Debt Analysis
Total Debt
$36.50M
Net Debt
$12.85M
Net Debt / EBITDA
0.17x
Debt / Equity
—
Leverage: debt-to-equity is n/a, and operating profit covers interest about 11.3x, with a current ratio of 1.5x. Detailed balance-sheet leverage is limited for this name. It carries roughly $36.50M of total debt against $23.66M of cash.
Cash Flow Analysis
Operating CF
$91.76M
Free Cash Flow
$86.09M
FCF Margin
23.6%
In the latest year Goosehead Insurance Inc produced about $91.76M of operating cash flow and $86.09M of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Dividend Safety
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
What to look for in a dividend stockCoverage is weak, the payout was cut recently, or it's being financed rather than earned — treat the current yield as fragile.
Total paid (latest FY)
$145.79M
History on record
6 years
dividend uses 169% of free cash flow
524% of net income paid out
total dividends increased 3 years in a row
payout was cut at least once in the last 6 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
Valuation Analysis
P/E
—
P/S
—
P/B
—
EV / EBITDA
—
GSHD trades at n/a trailing earnings. Its valuation ratios aren't loaded yet, so there is no P/E to judge here.
DCF Fair Value (Educational)
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
How this DCF estimate is calculatedDCF fair value / share
—
Current price
$45.77
Starting FCF (latest 10-K)
$86.09M
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Metrics vs. Sector Range
Where GSHD sits versus the Financials companies we cover.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in our coverage that have fundamentals data — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
Sector Peer Comparison
How GSHD stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
GSHD doesn't have a model rating yet (its fundamentals ratios aren't loaded), so it isn't ranked against the 141 rated Financials companies we cover.
P/E vs sector
—
median 14.9x
ROE vs sector
—
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
—
not rated yet
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size, preferring ones with full data. Sector medians and rank use the 141 rated companies among the 289 Financials stocks we cover. Educational, not a recommendation.
Key Risks
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
Latest SEC Filings
GSHD's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen. How to read a 10-K
GSHD — frequently asked questions
Is GSHD a good stock to buy?
We don't give buy or sell advice. Review Goosehead Insurance Inc's fundamentals, valuation, and 5-year financials on this page, then make your own decision — and consider a licensed professional.
Where does GSHD's data come from?
Live price data plus the annual financials in Goosehead Insurance Inc's SEC filings, refreshed automatically. Its fundamentals ratios aren't loaded yet, which is why it has no model rating.
How is the 5-year projection for GSHD calculated?
It's a scenario model. It starts from the latest annual revenue and net margin in SEC filings, grows revenue at an assumed rate (trailing revenue growth by default), and applies a P/E range built around today's multiple to show the resulting share-price range. When a stock has no growth or P/E data, the starting values are placeholders. It's a tool for thinking, not a prediction.
Is this GSHD analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell GSHD. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.