Goosehead Insurance, Inc (GSHD) AI Stock Analysis

Goosehead Insurance, Inc. serves as a holding company for Goosehead Financial, LLC, specializing in personal lines insurance agency services throughout the United States. Founded in 2003 and headquartered in Westlake, Texas, the company operates through two primary segments: Corporate Channel and Franchise Channel. It offers a wide spectrum of insurance products tailored to client needs, including homeowner's insurance, automotive insurance, dwelling property insurance, flood insurance, and specialty coverages such as wind, earthquake, and excess liability or umbrella policies. Goosehead's network included 2,151 franchises as of December 31, 2021, combining corporate operations with franchise partners across multiple states.

Goosehead expanded annual revenue from $151.3M in FY2021 to $209.4M in FY2022, $261.3M in FY2023, $314.5M in FY2024, and $365.3M in FY2025, achieving a 5-year revenue CAGR of 25.6%. Operating margin expanded from 4.0% in FY2021 to 20.4% in FY2025, while net income rose from $5.4M to $27.8M. For the latest quarter ended June 30, 2026, quarterly revenue increased 20.7% year-over-year, and quarterly earnings grew 122.2% year-over-year. Over the trailing twelve months, revenue reached $401.6M, operating margin was 23.4%, net margin stood at 8.8%, and EPS was $1.38.

As of June 30, 2026, Goosehead had $23.7M in cash and short-term investments against $372.8M in total debt, resulting in net debt of $349.2M. Total assets stood at $406.8M, the current ratio was 1.54, and shareholders' equity was -$112.4M. In FY2025, operating cash flow was $91.8M and free cash flow was $86.1M. Capital allocation in FY2025 included $5.7M in capital expenditures, $81.7M in share buybacks, and $145.8M in dividends paid.

With a market capitalization of $1.66B and an enterprise value of $1.38B, GSHD trades at a trailing P/E of 33.6x and a forward P/E of 16.2x, compared to medians of 12.1x and 10.8x for the median of its US-listed Financial Services peers. The price-to-sales ratio is 4.1x versus the peer median of 3.2x, while EV to revenue is 3.4x. The stock has posted a 1-year return of -28.8% and a year-to-date return of -37.0%, trailing the S&P 500 1-year return of 16.8%.

Goosehead has analyst ratings consisting of 3 Strong Buy, 2 Buy, 7 Hold, 1 Sell, and 0 Strong Sell. The mean price target of $62.08 represents an upside of 33.8% from the last close of $46.40 on October 16, 2026. For the fiscal year ending December 31, 2026, consensus estimates call for revenue of $424.9M and EPS of $2.10. For the following fiscal year, 13 analysts project revenue of $491.0M and EPS of $2.63. The company beat EPS estimates in 2 of the trailing 4 quarters, and the next earnings date is November 9, 2026.

This page is an AI-written research summary of Goosehead Insurance, Inc (GSHD). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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