Goosehead Insurance, Inc.

Finance
Specialty Insurers
ir.gooseheadinsurance.com

Earnings Score
Safety Score

Market Cap $2.55B
Debt $293.33M
Cash $72.57M
EV $2.77B
FCF $73.83M

Earnings

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Sales & Net Margins

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Earnings	$30.96M
EBIT	$66.30M
ROA	16%
FCF	$73.83M
Equity	-$88.54M
Growth Stability	9%
PE	82.24
PEG	1.8
PB	-28.75
P/FCF	34.48
P/S	7.82
Price/Cash	0.03
Debt/Equity	-3.31
Debt/FCF	3.97
Net Margins	3%
Op. Margins	20%
Earnings CAGR	23%
Sales Growth YoY	17%
Sales Growth QoQ	-20%
Sales CAGR	30%
FCF CAGR	34%
Equity CAGR	-2%
Earnings Stability	-0.02
Earnings Growth YoY	29%

Earnings Growth QoQ	-84%
Earnings CAGR 5Y	46%
Sales CAGR 5Y	30%
FCF CAGR 5Y	47%
Equity CAGR 5Y	78%
Earnings CAGR 3Y	23%
Sales CAGR 3Y	23%
FCF CAGR 3Y	76%
Equity CAGR 3Y	140%
Market Cap	$2.55B
Revenue	$325.63M
Assets	$412.56M
Total Debt	$293.33M
Cash	$72.57M
Shares Outstanding	24.79M
EV	2.77B
Earnings Score	6%
Safety Score	32%
Working Capital	74.03M
Current Ratio	2.79
Shares Growth 3y	8%
Equity Growth QoQ	-302%
Equity Growth YoY	-231%

Assets & ROA

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Stockholders Equity & ROE

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Goosehead Insurance Inc operates as an insurance agency. Its insurance products consist of homeowner's insurance; auto insurance; other personal lines products including flood, wind and earthquake insurance; excess liability or umbrella insurance; specialty lines insurance (motorcycle, recreational vehicle and other insurance); commercial lines insurance (general liability, property, and auto insurance for small businesses); and life insurance. Its operating segments are the Corporate Channel and Franchise Channel. The majority of the company's revenue gets contributed by the Corporate Channel segment. It operates in Texas, California, Illinois, Florida, and other regions.

SEC Filings

Direct access to Goosehead Insurance, Inc. (GSHD) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2025
- 10-Q Mar 31
2024
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Goosehead Insurance, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Goosehead Insurance, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 23%

Stability -2%

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Goosehead Insurance, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Goosehead Insurance, Inc..

Years

Calculation mode

= $7.9B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$74M	$99M	$133M	$178M	$238M	$320M	$428M	$574M	$770M	$1B	$1.4B	$14B
DCF		$90M	$110M	$134M	$163M	$198M	$242M	$295M	$359M	$437M	$533M	$5.3B
Value	$7.9B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2017	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	0%	5%	8%	4%	0%	5%	10%	3%
ROA	-	-	11%	3%	3%	9%	15%	16%
ROE	-	-40%	-190%	-39%	5%	25%	69%	-

Bad Net Margins (3.1%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2017	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	-	5.65	5.41	3.96	1.88	1.46	3.97
Debt over Equity	-1.18	-5.13	-17	-8.75	9.49	1.54	2.35	-3.31
Growth Stability	-	-	-	100%	9%	100%	100%	9%

Neutral Debt/FCF ratio (3.97)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Good Debt/Equity ratio (-3.31)

The company is not overleveraged and has a good balance between equity and debt.

Bad Graham’s Stability (9%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2017	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	81%	51%	29%	38%	25%	20%	30%
Earnings YoY growth	-	-	160%	-42%	-90%	2K%	115%	46%
Equity YoY growth	-	-78%	-46%	188%	-176%	430%	-22%	78%
FCF YoY growth	-	140%	-16%	55%	13%	81%	52%	47%