# Goosehead Insurance Inc. (GSHD) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Insurance. Price $65.21, market value $2.3 billion.

## Valuation
- **P/E (trailing): 47.6×** (5-yr avg 369.1×, 3-yr avg 96.2×). Goosehead Insurance Inc. trades at 47.6× trailing earnings, well below its own five-year average of 369.1×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 24.2×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 5.8×**. Each dollar of revenue is priced at 5.8×.
- **EV / EBITDA: 24.5×**. Enterprise value is 24.5× operating earnings before depreciation, the multiple that ignores how the company is financed; above 20× is demanding.
- **Free-cash-flow yield: 3.4%** (5-yr avg 2.2%). Free cash flow equals 3.4% of the market value, above its five-year average of 2.2%, so the shares are cheaper on cash than they have usually been.
- **Earnings yield: 2.1%**. The inverse of the P/E: 2.1% of the price is earned each year.

## Profitability
- **Operating margin: 23.3%**. 23.3% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 7.6%**. 7.6% of each dollar of sales reaches the bottom line.
- **Return on equity: -29.1%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: 45.6%**. Return on all capital, debt included, is 45.6%: comfortably above what that capital costs.
- **Return on assets: 8.5%**. Each dollar of assets produces 8.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): -10.3%** (3-yr 226.1%/yr, 5-yr 15.3%/yr). Earnings per share fell 10.3%.
- **Free-cash-flow growth (3 yr): 49.2%/yr**. Free cash flow has compounded at 49.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $34 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Goosehead Insurance Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (12 analysts). 12 analysts cover Goosehead Insurance Inc.; the consensus is buy, with an average price target of $68.92 (+6% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -22.5%** (YTD -11.5%, 3-mo 70.0%). The shares are down 22.5% over twelve months including dividends.
- **From 52-week high: -22.7%** (93.6% above the low). Trading 23% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): -0.33** (volatility 61%). Beta of -0.33 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=GSHD · Page: https://foliofundamentals.com/stocks/gshd

Not investment advice.