GSHD
Goosehead Insurance, Inc.
Financials • CIK: 0001726978
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Market Cap
$1.84B
P/E (TTM)
67.0x
Rev Growth (TTM)
+16.2%
Net Margin (TTM)
7.6%
FCF Yield (TTM)
4.7%
FCF Margin (TTM)
23.6%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$86M
Q4 '25
$20M-15%
Q3 '25
$24M-13%
FCF Margin
TTM23.6%
Q4 '2519.3%-27%
Sector: 22.2%Above Avg
OCF Margin25.1%
OCF/NI3.30x
CapEx Coverage16.2x
FCF Yield4.7%
FCF Growth (2Y)+49%
Cash Conversion Cycle
0 days
DSO: 0+DIO: –−DPO: –
Capital Allocation & Returns
Shareholder Friendly
Total Shareholder YieldTTM
TTM4.4%
Div Yield0.0%
+Buyback (TTM)4.4%
Strong capital returns to shareholders
Dividend & Payout Metrics
Dividend Yield (TTM)0.0%
Free Cash Flow (TTM)$86.1M
Stock Repurchases (TTM)$81.7M
Capital Return / FCF94.9%
Est. Dividends Paid (TTM)$0
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.88x
8Q: 0.89x
Leverage (1+D/E)
-2.06x
D/E: -3.06x
Asset & CapEx Efficiency
Fixed Asset Turn
16.21x
8Q:13.95x
+937.4%
CapEx/Depreciation
0.50x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $365.3M | $105.3M↑16.4% | $90.4M↓3.8% | $94.0M↑24.4% | $75.6M↓19.5% | $93.9M↑20.4% | $78.0M↓0.1% | $78.1M↑21.1% | $64.5M |
Operating Income | $74.4M | $30.9M↑45.2% | $21.3M↑35.9% | $15.7M↑136.8% | $6.6M↓76.3% | $27.9M↑69.4% | $16.4M↑6.8% | $15.4M↑958.2% | $1.5M |
Net Income | $27.8M | $12.4M↑57.2% | $7.9M↑53.6% | $5.2M↑119.9% | $2.3M↓84.2% | $14.9M↑96.5% | $7.6M↑22.0% | $6.2M↑241.7% | $1.8M |
Operating Cash Flow | $91.8M | $23.2M↓4.4% | $24.2M↓16.3% | $28.9M↑86.7% | $15.5M↑23.9% | $12.5M↓55.5% | $28.1M↑48.9% | $18.9M↑56.4% | $12.1M |
Free Cash Flow | $86.1M | $20.3M↓14.6% | $23.7M↓12.7% | $27.2M↑82.3% | $14.9M↑23.4% | $12.1M↓56.8% | $28.0M↑50.1% | $18.6M↑57.5% | $11.8M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
67.0x
Volatile
8Q: 264.1x-31065%
High PEG ratio (4.1x) suggests expensive for growth
Valuation Lenses
Earnings
67.0x
vs – sector
Cash Flow
23.7x
EV/FCF vs –
Growth-Adj
4.1xPEG
Expensive for growth
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
–
Buyback
4.4%
Total Yield
4.4%
Market Cap$1.84B
EV$2.04B
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
-64/100
Below Average
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Bottom 25%
-37.4%
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
3.30x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Quality Growth
Growth Quality Score
76/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
16.2%
OpInc Growth YoY
10.9%
EPS Growth YoY
-10.3%
FCF 3Y CAGR
49.2%
Growth Quality Analysis
✓Efficient Growth: Free cash flow growing faster than revenue
✓Sustainability Index: 7.5/10 - Highly sustainable growth
Margin Quality & Sustainability
Low Quality
Profitability Cascade
Gross
—
Operating
—
Net
7.6%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+15.9 pts
FCF: 23.6% | Net: 7.6%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Solid
Net Debt / EBITDA
–Net Debt: $254.52M
Interest Coverage
–
Leverage Metrics
Debt-to-Equity
-3.06x
Balance sheet risk & solvency analysis