(GSHD) Goosehead Insurance - Overview

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US38267D1090

Stock: Homeowners, Auto, Life, Umbrella, Commercial

Total Rating 34

Risk 68

Buy Signal -1.07

Insurance Brokers » Insurance Brokers
Age: 7.8y

Market Cap: 2,260m
Avg Trading Vol: 16.6M USD

ATR: 4.49%
Peers RS (IBD): 6.73

EPS (Earnings per Share)

EPS CAGR: -21.07%
EPS Trend: 34.3%

Last SUE: -3.52
Qual. Beats: 0

Revenue

Rev. CAGR: 24.11%
Rev. Trend: 92.9%

Last SUE: -0.10
Qual. Beats: 0

Risk 5d forecast
Volatility	53.0%
Relative Tail Risk	-24.5%

Reward TTM
Sharpe Ratio	-0.84
Alpha	-51.74

Character TTM
Beta	0.864
Beta Downside	1.093

Drawdowns 3y
Max DD	51.41%
CAGR/Max DD	0.40

Description: GSHD Goosehead Insurance January 11, 2026

Goosehead Insurance, Inc. (NASDAQ:GSHD) is a holding company for Goosehead Financial, LLC, offering a broad suite of personal-lines and small-business insurance products-including homeowners, auto, flood, wind, earthquake, umbrella, and specialty policies-through a hybrid network of corporate offices and franchised locations across the United States. The firm was founded in 2003 and is headquartered in Westlake, Texas.

As of the most recent quarter, Goosehead reported a 12% year-over-year increase in written premium, driven by a 9% rise in new policy acquisitions and an average policy-size growth of 4% (both figures sourced from the company’s earnings release). The business benefits from a low-cost digital acquisition model that yields a 70% lower customer acquisition cost than the industry median, while its combined ratio of 94% suggests underwriting profitability remains solid. Key macro drivers include the U.S. housing market’s health (affecting homeowners policies) and the cyclical nature of commercial lines demand, which tend to expand when small-business confidence improves.

For a deeper quantitative analysis, see ValueRay’s detailed model on GSHD.

Piotroski VR‑10 (Strict, 0-10) 7.5

Net Income: 30.3m TTM > 0 and > 6% of Revenue
FCF/TA: 0.18 > 0.02 and ΔFCF/TA 1.18 > 1.0
NWC/Revenue: 12.69% < 20% (prev -57.91%; Δ 70.60% < -1%)
CFO/TA 0.20 > 3% & CFO 81.1m > Net Income 30.3m
Net Debt (6.06m) to EBITDA (82.5m): 0.07 < 3
Current Ratio: 1.93 > 1.5 & < 3
Outstanding Shares: last quarter (38.0m) vs 12m ago 0.19% < -2%
Gross Margin: 45.62% > 18% (prev 0.41%; Δ 4521 % > 0.5%)
Asset Turnover: 92.95% > 50% (prev 79.20%; Δ 13.74% > 0%)
Interest Coverage Ratio: 3.57 > 6 (EBITDA TTM 82.5m / Interest Expense TTM 19.9m)

Altman Z'' 0.54

A: 0.11 (Total Current Assets 93.1m - Total Current Liabilities 48.1m) / Total Assets 403.6m
B: -0.36 (Retained Earnings -145.8m / Total Assets 403.6m)
C: 0.19 (EBIT TTM 71.0m / Avg Total Assets 380.8m)
D: -0.25 (Book Value of Equity -145.4m / Total Liabilities 574.3m)
Altman-Z'' Score: 0.54 = B

Beneish M -3.14

DSRI: 0.89 (Receivables 27.4m/24.6m, Revenue 354.0m/283.6m)
GMI: 0.90 (GM 45.62% / 41.22%)
AQI: 1.03 (AQ_t 0.63 / AQ_t-1 0.62)
SGI: 1.25 (Revenue 354.0m / 283.6m)
TATA: -0.13 (NI 30.3m - CFO 81.1m) / TA 403.6m)
Beneish M-Score: -3.14 (Cap -4..+1) = AA

What is the price of GSHD shares?

As of February 07, 2026, the stock is trading at USD 66.17 with a total of 259,909 shares traded.
Over the past week, the price has changed by +7.00%, over one month by -9.27%, over three months by -2.27% and over the past year by -38.51%.

Is GSHD a buy, sell or hold?

Goosehead Insurance has received a consensus analysts rating of 3.40. Therefor, it is recommend to hold GSHD.

StrongBuy: 1
Buy: 3
Hold: 5
Sell: 1
StrongSell: 0

What are the forecasts/targets for the GSHD price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	89.8	35.7%
Analysts Target Price	89.8	35.7%
ValueRay Target Price	61.2	-7.5%

GSHD Fundamental Data Overview February 04, 2026

P/E Trailing = 52.7807
P/E Forward = 29.6736
P/S = 6.3977
P/B = 54.1593
Revenue TTM = 354.0m USD
EBIT TTM = 71.0m USD
EBITDA TTM = 82.5m USD
Long Term Debt = 290.0m USD (from longTermDebt, last quarter)
Short Term Debt = 6.66m USD (from shortTermDebt, last quarter)
Debt = 57.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 6.06m USD (from netDebt column, last quarter)
Enterprise Value = 2.27b USD (2.26b + Debt 57.7m - CCE 51.6m)
Interest Coverage Ratio = 3.57 (Ebit TTM 71.0m / Interest Expense TTM 19.9m)
EV/FCF = 31.31x (Enterprise Value 2.27b / FCF TTM 72.4m)
FCF Yield = 3.19% (FCF TTM 72.4m / Enterprise Value 2.27b)
FCF Margin = 20.45% (FCF TTM 72.4m / Revenue TTM 354.0m)
Net Margin = 8.55% (Net Income TTM 30.3m / Revenue TTM 354.0m)
Gross Margin = 45.62% ((Revenue TTM 354.0m - Cost of Revenue TTM 192.5m) / Revenue TTM)
Gross Margin QoQ = 46.12% (prev 46.41%)
Tobins Q-Ratio = 5.61 (Enterprise Value 2.27b / Total Assets 403.6m)
Interest Expense / Debt = 10.36% (Interest Expense 5.97m / Debt 57.7m)
Taxrate = 15.93% (2.40m / 15.1m)
NOPAT = 59.7m (EBIT 71.0m * (1 - 15.93%))
Current Ratio = 1.93 (Total Current Assets 93.1m / Total Current Liabilities 48.1m)
Debt / Equity = -0.55 (negative equity) (Debt 57.7m / totalStockholderEquity, last quarter -105.0m)
Debt / EBITDA = 0.07 (Net Debt 6.06m / EBITDA 82.5m)
Debt / FCF = 0.08 (Net Debt 6.06m / FCF TTM 72.4m)
Total Stockholder Equity = -57.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.94% (Net Income 30.3m / Total Assets 403.6m)
RoE = -53.03% (negative equity) (Net Income TTM 30.3m / Total Stockholder Equity -57.1m)
RoCE = 30.49% (EBIT 71.0m / Capital Employed (Equity -57.1m + L.T.Debt 290.0m))
RoIC = 32.14% (NOPAT 59.7m / Invested Capital 185.8m)
WACC = 9.09% (E(2.26b)/V(2.32b) * Re(9.10%) + D(57.7m)/V(2.32b) * Rd(10.36%) * (1-Tc(0.16)))
Discount Rate = 9.10% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 22.06%
[DCF Debug] Terminal Value 77.80% ; FCFF base≈67.4m ; Y1≈83.2m ; Y5≈141.6m
Fair Price DCF = 78.40 (EV 1.96b - Net Debt 6.06m = Equity 1.95b / Shares 24.9m; r=9.09% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 34.31 | EPS CAGR: -21.07% | SUE: -3.52 | # QB: 0
Revenue Correlation: 92.91 | Revenue CAGR: 24.11% | SUE: -0.10 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.24 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=10
EPS next Year (2026-12-31): EPS=2.13 | Chg30d=-0.010 | Revisions Net=-2 | Growth EPS=+19.5% | Growth Revenue=+19.3%

Additional Sources for GSHD Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle