Stocks · Financial Services · Insurance - Brokers
Goosehead Insurance, Inc GSHD
$46.19 +1.49% Close, Oct 5, 2026 · NASDAQ · Market cap $1.70B
High qualityWeak trendHigh risk
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 33.7× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
- Operating margin widened to 25.8% from 16.5% a year earlier.
- Net debt is 3.0× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 25%
- EPS growth (TTM, YoY)Top 44%
- FCF growth (TTM, YoY)Bottom 45%
- Revenue growth, 3-year CAGRTop 31%
- Revenue growth accelerationTop 45%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 5%
- Gross marginBottom 44%
- Operating marginTop 38%
- Cash conversion (OCF / net income)Top 15%
- Accruals (lower is better)Top 8%
- Net debt / EBITDA (lower is better)Bottom 35%
- Interest coverTop 1%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 32%
- Free-cash-flow yieldBottom 35%
- EBITDA / enterprise valueBottom 45%
- Sales / enterprise valueBottom 24%
- P/E vs own 5-year history (lower is better)Top 3%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 19%
- 6-month returnBottom 48%
- 1-year return vs S&P 500Bottom 8%
- Distance from 52-week highBottom 9%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 12%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyTop 40%
- Upside to consensus price targetTop 10%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 6%
- Maximum drawdown, 3 yearsBottom 6%
- Beta vs S&P 500 (lower is better)Top 40%
- Net debt / EBITDA (lower is better)Bottom 35%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 17.6% | 17.7% | ↑ |
| EPS growth (YoY) | -1.8% | 24.4% | ↑ |
| Gross margin | 85.8% | 62.9% | ↓ |
| Operating margin | 16.5% | 25.8% | ↑ |
| FCF margin | 21.5% | 20.5% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 17.7% | 17.6% | ↑ | Top 25% |
| EPS growth (TTM, YoY) | 24.4% | -1.8% | ↑ | Top 44% |
| Gross margin | 62.9% | 85.8% | ↓ | Bottom 44% |
| Operating margin | 25.8% | 16.5% | ↑ | Top 38% |
| Net margin | 8.8% | 8.8% | ↑ | — |
| Free-cash-flow margin | 20.5% | 21.5% | ↓ | — |
| Return on invested capital | 23.7% | — | Top 5% | |
| Revenue growth, 3-year CAGR | 20.4% | — | Top 31% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.44×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -12.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 5.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +55.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.02×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 215.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 20.27%
- Net buyback yield (TTM)
- 7.83%
- Shareholder yield
- 28.10%
- Share count change, 1 year
- -6.2%
- Share count change, 3-year CAGR
- +14.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 23, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +25.4%
- Average 2-day reaction, last 8
- +0.9%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $69.50
- Target vs current price
- +50.5%
- Analysts with a rating
- 18
- Share rating Buy or Strong Buy
- 56%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +35.0% | -4.4% | +28.0% | +20.5% | — |
| Apr 22, 2026 | +50.0% | +2.0% | +9.6% | -7.5% | +21.5% |
| Feb 17, 2026 | +18.5% | +4.0% | -5.9% | -7.7% | -18.6% |
| Oct 22, 2025 | -2.1% | +0.6% | +8.4% | +2.2% | +4.9% |
| Jul 23, 2025 | -7.5% | +2.6% | -13.9% | -14.3% | -33.2% |
| Apr 23, 2025 | +13.0% | +2.6% | -7.1% | +5.0% | -1.1% |
| Feb 24, 2025 | +92.7% | -1.0% | +15.5% | +9.2% | +5.8% |
| Oct 23, 2024 | +11.1% | +0.5% | +14.8% | +22.8% | +11.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.64 | $0.47 | +35.0% | $113.4M |
| Apr 22, 2026 | $0.30 | $0.20 | +50.0% | $93.1M |
| Feb 17, 2026 | $0.64 | $0.54 | +18.5% | $105.3M |
| Oct 22, 2025 | $0.46 | $0.47 | -2.1% | $90.4M |
| Jul 23, 2025 | $0.49 | $0.53 | -7.5% | $94.0M |
| Apr 23, 2025 | $0.26 | $0.23 | +13.0% | $75.6M |
| Feb 24, 2025 | $0.79 | $0.41 | +92.7% | $93.9M |
| Oct 23, 2024 | $0.50 | $0.45 | +11.1% | $78.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 33.7× | 150.2× | 0th | Bottom 32% |
| P/E (forward) | 21.6× | — | — | — |
| EV / EBITDA | 17.7× | — | — | Bottom 45% |
| EV / Sales | 5.10× | — | — | Bottom 24% |
| Free-cash-flow yield | 4.85% | — | — | Bottom 35% |
| Earnings yield | 2.97% | — | — | Bottom 32% |
P/E over the past five years
Range 39.3× – 454.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -35.9%
- Earnings per share growth (TTM)
- +24.4%
- Change in P/E multiple
- -51.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.3%
- 200-day average slope (20 days)
- -4.0%
- Distance from 50-day average
- -24.2%
- Distance from 200-day average
- -13.4%
- RSI (14)
- 35.2
- Relative volume
- 0.74×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 71.8%
- Volatility vs own 5-year history
- 80th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.59
- Correlation with S&P 500
- 0.15
- Current drawdown from 1-year high
- -41.1%
- Maximum drawdown, 3 years
- -73.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Oct 11, 2021 | Oct 14, 2022 | -83.4% | 255 days | Not yet recovered |
| Feb 19, 2021 | May 21, 2021 | -53.0% | 64 days | 97 days (Oct 8, 2021) |
| Nov 19, 2020 | Dec 7, 2020 | -13.6% | 11 days | 18 days (Jan 4, 2021) |
| Jan 20, 2021 | Jan 27, 2021 | -13.2% | 5 days | 6 days (Feb 4, 2021) |
| Nov 2, 2020 | Nov 11, 2020 | -10.3% | 7 days | 6 days (Nov 19, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.70B
- P/E (TTM)
- 33.7
- EPS, diluted (TTM)
- $1.37
- Revenue (TTM)
- $402.2M
- 52-week range
- $33.68 – $79.85
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $151.3M | $209.4M | $261.3M | $314.5M | $365.3M |
| Gross profit | $151.3M | $209.4M | $261.3M | $141.6M | $168.9M |
| Operating income | $6.0M | $5.1M | $26.4M | $61.1M | $74.4M |
| Net income | $5.4M | $565,000 | $14.1M | $30.4M | $27.8M |
| EPS (diluted) | $0.26 | $0.03 | $0.55 | $1.16 | $1.04 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $78.0M | $93.9M | $75.6M | $94.0M | $90.4M | $105.3M | $93.1M | $113.4M |
| Net income | $7.6M | $14.9M | $2.3M | $5.2M | $7.9M | $12.4M | $4.9M | $10.1M |
| EPS (diluted) | $0.29 | $0.57 | $0.06 | $0.18 | $0.29 | $0.48 | $0.19 | $0.41 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $35.4M | $36.0M | $50.8M | $71.5M | $91.8M |
| Capital expenditure | -$15.4M | -$12.6M | -$12.2M | -$979,000 | -$5.7M |
| Free cash flow | $20.0M | $23.4M | $38.6M | $70.6M | $86.1M |
| Dividends paid | -$28.3M | $0 | $0 | $0 | -$145.8M |
| Net share buybacks | $4.6M | $6.1M | $9.9M | -$50.9M | -$67.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $23.7M
- Total assets
- $406.8M
- Total liabilities
- $595.4M
- Total debt
- $372.8M
- Net debt
- $349.2M
- Shareholders’ equity
- -$112.4M
As of Jun 30, 2026 (filed Jul 23, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jan 21, 2025 | $5.91 | Jan 31, 2025 |
| Aug 6, 2021 | $1.63 | Aug 23, 2021 |
| Aug 7, 2020 | $1.15 | Aug 24, 2020 |
| Mar 15, 2019 | $0.41 | Apr 1, 2019 |
Short interest
- Shares sold short
- 2,148,567
- Days to cover
- 6.67
- Change vs previous report
- +13.0%
FINRA short interest, settlement date Sep 15, 2026.