GooseHead Insurance (GSHD) AI Stock Analysis

• Market Cap: $2.46B
• Dividend Yield: N/A
• Average Volume (3M): 352.34K
• Price to Earnings (P/E): 59.7
• Beta (1Y): 0.56
• Revenue Growth: 23.49%
• EPS Growth: 60.38%
• Country: US
• Employees: 1,580
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 0.46
• Shares Outstanding: 25,350,954
• 10 Day Avg. Volume: 319,807
• 30 Day Avg. Volume: 352,338
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.74
• Enterprise Value/Revenue: 12.50
• Enterprise Value/Gross Profit: 27.63
• Enterprise Value/Ebitda: 66.44
• 1Y Price Target: $98.10
• Price Target Upside: 42.90% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 11

• Rating: 62 Neutral
• Price Target: $72.00 ▲(4.88% Upside)

GooseHead Insurance's overall score reflects strong financial performance and positive earnings call sentiment, offset by technical weaknesses and valuation concerns. The company's growth initiatives and strategic partnerships are promising, but leverage risks and market challenges remain significant.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective sales strategies, supporting long-term business expansion.

Strategic Partnerships

Strategic partnerships enhance distribution channels and market reach, potentially increasing revenue and market share over time.

Technology Initiatives

Investment in AI and technology can improve operational efficiency and customer satisfaction, driving long-term competitive advantage.

Negative Factors

Negative Equity

Negative equity indicates potential solvency issues, which could limit financial flexibility and increase financial risk.

Premium Retention Decline

A decline in premium retention suggests challenges in maintaining customer loyalty, which could impact future revenue stability.

Economic Conditions Impact

Adverse economic conditions can affect demand for insurance products, posing risks to revenue growth and operational performance.

GooseHead Insurance Business Overview & Revenue Model

Company Description

GooseHead Insurance (GSHD) is a leading independent insurance agency based in the United States, specializing in property and casualty insurance products. The company operates through a vast network of agents and offers a diverse range of insurance solutions, including auto, home, renters, and commercial insurance, primarily focusing on providing personalized coverage options to meet the unique needs of its clients. GooseHead leverages technology to enhance customer experience and streamline the insurance purchasing process, positioning itself as a modern player in the insurance market.

How the Company Makes Money

GooseHead Insurance generates revenue primarily through commissions earned on insurance policies sold to clients. The company partners with multiple insurance carriers, allowing agents to offer a wide variety of policy options to consumers. Each time a policy is sold or renewed, GooseHead receives a percentage of the premium as commission, which constitutes a significant portion of its revenue. Additionally, the company benefits from its growing network of franchise agents who operate under the GooseHead brand, providing another revenue stream through franchise fees and ongoing royalties. The use of advanced technology and data analytics also enables GooseHead to optimize its operations and enhance customer acquisition, contributing to its overall earnings.

GooseHead Insurance Financial Statement Overview

Summary

GooseHead Insurance shows strong revenue and profit growth with improved operational efficiency. However, the balance sheet is concerning due to negative equity, indicating potential solvency issues. Cash flow is robust, providing liquidity and growth potential despite balance sheet weaknesses.

Income Statement

The income statement reveals strong revenue growth with a 10% increase from the previous year to TTM. Gross profit margin improved significantly, indicating enhanced operational efficiency. Net profit margin remains healthy, although slightly reduced. Operating and EBITDA margins have shown consistent improvement, reflecting effective cost management.

Balance Sheet

The balance sheet presents a concerning picture with negative stockholders' equity in the TTM, indicating potential solvency issues. The debt-to-equity ratio cannot be calculated due to negative equity, highlighting leverage risks. Despite this, the company maintains a reasonable level of cash and short-term investments.

Cash Flow

Cash flow analysis demonstrates strong operating cash flow growth, supporting the company's liquidity. Free cash flow has also shown impressive growth, indicating robust cash generation. However, the free cash flow to net income ratio suggests room for improvement in converting earnings into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	341.57M	314.50M	261.28M	209.39M	151.31M	117.01M
Gross Profit	154.58M	141.56M	108.67M	76.10M	58.27M	50.20M
EBITDA	64.28M	64.99M	45.83M	17.01M	13.55M	23.09M
Net Income	29.91M	30.43M	14.14M	2.63M	8.30M	18.75M
Balance Sheet
Total Assets	436.59M	397.65M	354.89M	321.35M	267.80M	185.84M
Cash, Cash Equivalents and Short-Term Investments	92.39M	54.28M	41.96M	28.74M	28.53M	24.91M
Total Debt	58.28M	153.38M	143.22M	165.16M	174.96M	119.04M
Total Liabilities	567.18M	358.58M	338.11M	354.98M	336.99M	224.24M
Stockholders Equity	-78.59M	43.89M	56.55M	10.67M	-14.21M	-4.88M
Cash Flow
Free Cash Flow	76.15M	70.56M	38.60M	23.11M	20.04M	14.28M
Operating Cash Flow	85.00M	71.54M	50.76M	35.72M	35.44M	24.64M
Investing Cash Flow	-14.96M	-12.42M	-19.18M	-12.57M	-15.38M	-10.33M
Financing Cash Flow	-697.00K	-45.20M	-17.92M	-23.25M	-15.83M	-3.33M

GooseHead Insurance Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 68.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GSHD, the sentiment is Negative. The current price of 68.65 is below the 20-day moving average (MA) of 69.60, below the 50-day MA of 77.89, and below the 200-day MA of 98.85, indicating a bearish trend. The MACD of -3.23 indicates Negative momentum. The RSI at 42.10 is Neutral, neither overbought nor oversold. The STOCH value of 52.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GSHD.

GooseHead Insurance Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IGIC	79 Outperform	$981.38M	8.09	20.11%	4.50%	9.52%	―
ACGL	78 Outperform	$32.73B	9.08	17.09%	―	23.79%	-32.09%
ORI	76 Outperform	$10.38B	11.83	14.63%	7.47%	14.20%	50.32%
HIG	74 Outperform	$34.82B	11.23	19.55%	1.66%	7.67%	15.99%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FIHL	66 Neutral	$1.90B	―	-1.83%	2.48%	20.42%	-110.82%
GSHD	62 Neutral	$2.46B	59.70	―	―	23.49%	60.38%

GooseHead Insurance Corporate Events

Goosehead Insurance Reports Strong Q3 2025 Growth

Goosehead Insurance, Inc. is a rapidly expanding independent personal lines insurance agency that operates through corporate and franchise locations across the United States, offering a wide range of insurance products and services.

GooseHead Insurance Expands Leadership with New COO Appointment

On August 26, 2025, Goosehead Insurance appointed Mark E. Jones, Jr. as Chief Operating Officer, while he continues as Chief Financial Officer. This role expansion aims to enhance operational discipline and align finance, operations, and strategic functions to support Goosehead’s long-term growth strategy. The move is expected to strengthen the company’s ability to execute its strategy and deliver shareholder value, positioning Goosehead for sustained success in its goal to become the largest distributor of personal lines insurance.

The most recent analyst rating on (GSHD) stock is a Hold with a $91.00 price target. To see the full list of analyst forecasts on GooseHead Insurance stock, see the GSHD Stock Forecast page.

Goosehead Insurance’s Strategic Growth and Challenges

Goosehead Insurance’s recent earnings call reflects a period of strategic growth and investment, marked by significant expansions in both corporate and franchise networks, alongside robust revenue growth. Despite these positive strides, the company faces challenges in premium retention and ongoing market cyclicality. The focus on technology and AI to optimize operations, coupled with new partnerships, indicates promising prospects for future growth.

Goosehead Insurance Reports Mixed Q2 2025 Results

Goosehead Insurance, Inc. is a rapidly expanding independent personal lines insurance agency that operates through corporate and franchise locations across the United States, offering a wide range of insurance products and services. In its second quarter of 2025, Goosehead Insurance reported a 20% increase in total revenue, reaching $94 million, and an 18% growth in core revenue compared to the previous year. However, net income saw a decline to $8.3 million from $10.9 million a year ago. The company also noted an 18% increase in total written premiums, amounting to $1.2 billion. Key financial metrics revealed a mixed performance with adjusted EBITDA rising to $29.2 million, while net income margin decreased to 9%. The company has been investing significantly in technology and personnel to drive future growth, which contributed to increased operating expenses. Goosehead Insurance’s management remains optimistic about the future, expecting continued growth in written premiums and total revenues for the full year 2025, indicating a positive outlook despite current challenges.