Goosehead Insurance, Inc. (GSHD)
OvervaluedFundamental
73
Price
$45.36
Market Cap
$1.62B
Part 1 · What the company is worth
Overview
Goosehead Insurance, Inc. operates as a holding company for Goosehead Financial, LLC that engages in the provision of personal lines insurance agency services in the United States. The company offers insurance service for homeowner's; automotive; dwelling property; flood, wind, and earthquake; excess liability or umbrella; general liability, and property and auto insurance for small businesses; life insurance; and motorcycle, recreational vehicle, and other insurance policies. It distributes its products and services through corporate and franchise locations. Goosehead Insurance, Inc. was founded in 2003 and is headquartered in Westlake, Texas.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on September 18, 2026 with claude-haiku-4-5 — shared with all users
Its Westwood Insurance Agency sells homeowners policies to US homebuyers at the moment of purchase through builder and lender relationships, the same referral-driven personal lines channel Goosehead built its franchise network on.
Named by Goosehead among the largest captive agencies, Allstate reaches personal lines customers through its own exclusive agents rather than through independent brokers.
Progressive sells auto and home policies straight to consumers online and by phone, taking the same premium dollars without paying a broker commission.
A national independent retail brokerage that, alongside its commercial business, places personal lines coverage for US individuals and families through acquired local agencies.
The largest captive agency network in the United States, its agents sell home and auto coverage to the same American households Goosehead's franchisees quote.
The third large captive network cited by Goosehead, Farmers competes agent-to-agent for US home, auto and umbrella business.
Balance Sheet & Liquidity
Revenue
$402M
Trailing 12 months (through 6/30/2026)
Net Income
$35M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$86M
Total Equity
$-96M
Total Liabilities
$578M
Current Ratio
1.54
Interest Coverage
4.10
Debt/EBITDA
4.35
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$36.12
Current Price
$45.36
Margin of Safety
-25.6%
Fair Value Range
$23.47 - $48.76
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
43.62
ROE
-29.1%
P/B Ratio
-
P/FCF
12.04
Gross Margin
-
ROIC
21.1%
Profitability Radar
Value Creation (Economic Moat)
ROIC
21.1%
WACC
11.5%
ROIC − WACC
+9.6 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Fundamental Analysis Criteria
Passed (17)
- EPS shows upward trend
- Price CAGR 6.50%
- ROIC 21.1%
- P/FCF 12.04
- Operating Margin 23.3%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Interest Coverage
- Debt/EBITDA
- Return on Tangible Assets
- ROE 58.1%
- Revenue Growth 5Y 25.6%
- Analyst Consensus 55% Buy
- Earnings Surprise avg 29.3%
- Earnings Quality (OCF/NI) 2.44
- Share Dilution 2.0%
Failed (5)
- Low reliance on intangibles
- DCF valuation (Overvalued)
- PEG Ratio 5.93
- Net Margin Trend 8.8% vs 110.5%
- Piotroski F-Score 4/9
Unavailable (5)
- Gross Margin NaN%
- P/B Ratio NaN
- Dividend Payout NaN%
- Debt/Equity ratio
- Price below Graham Number
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Share count is stable
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Mark E. Jones | Co-Founder & Executive Chairman | 63 |
| Ms. Robyn Mary Elizabeth Jones | Co-Founder & Vice Chairman | 62 |
| Mr. Mark E. Jones Jr. | President & COO | 33 |
| Mr. John T. O'Connor | Consultant | 45 |
| Mr. John A. Martin | Chief Financial Officer | - |
| Mr. Eben Hewitt | Chief Technology Officer | - |
| Ms. Maddie Middleton | Senior Director of Investor Relations | - |
| Mr. Martin Thornthwaite | General Counsel & Corporate Secretary | - |
| Ms. Angela J. Kervin | Chief Human Resources Officer | 49 |
| Mr. Brian Pattillo | Executive Vice President | - |
Audit Risk
8
Board Risk
9
Compensation Risk
4
Shareholder Rights Risk
8
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-19
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-07-23
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-07-22
via SEC EDGAR
Income History
via SEC EDGAR
Latest News
Recent headlines for GSHD, sourced from Markets Gazette.
- 4/22/2026NEUTRALGoosehead Insurance Q1 2026 Earnings Call: Complete Transcript
Goosehead Insurance Inc. has scheduled its first-quarter 2026 earnings call for April 22, 2026, at 5:00 PM Eastern Time. The company will provide a business update and discuss financial results. A webcast of the call will be available on the investor relations section of Goosehead's website. While the announcement itself is procedural, the actual earnings results and management commentary during the call will determine the market's reaction and potential impact on the stock. Investors will be looking for key performance indicators, growth trends, and future outlook.
- 2/21/2026NEUTRALGoosehead (GSHD) Q4 2025 Earnings Call Transcript
The Q4 2025 earnings call transcript for Goosehead (GSHD) has been released. Without specific content details, the impact on the stock is neutral, but it provides investors with crucial information to assess the company's performance and future outlook.
via Markets Gazette