| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| GSHDGoosehead Insurance, Inc | 1.8B | 72.10 | 62.16 | 20.37% | 8.55% | 108.93% | 3.93% | 3.93 |
| ORIOld Republic International Corporation | 10.69B | 43.32 | 13.37 | 13.41% | 9.53% | 12.95% | 11.54% | 0.28 |
| HIGThe Hartford Financial Services Group, Inc. | 36.49B | 130.82 | 12.64 | 8.44% | 12.84% | 19.28% | 15.8% | 0.27 |
| AIZNAssurant, Inc. 5.25% Subordinat | 1.03B | 20.17 | 1.39 | 6.7% | 6.75% | 14.74% | 100% | 0.41 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 31.48M | 42.71M | 60.15M | 77.49M | 117.01M | 151.31M | 209.39M | 261.28M | 314.5M |
| Revenue Growth % | - | 0.36% | 0.41% | 0.29% | 0.51% | 0.29% | 0.38% | 0.25% | 0.2% |
| Medical Costs & Claims | 0 | 24.54M | 0 | 0 | 0 | 0 | 0 | 0 | 172.94M |
| Medical Cost Ratio % | - | - | - | - | - | - | - | - | - |
| Gross Profit | 31.48M | 18.17M | 60.15M | 77.49M | 117.01M | 151.31M | 209.39M | 261.28M | 141.56M |
| Gross Margin % | - | - | - | - | - | - | - | - | - |
| Gross Profit Growth % | - | -0.42% | 2.31% | 0.29% | 0.51% | 0.29% | 0.38% | 0.25% | -0.46% |
| Operating Expenses | 26.76M | -31.56M | 78.37M | 65.8M | 99.29M | 145.31M | 204.26M | 234.89M | 80.42M |
| OpEx / Revenue % | - | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | 488.33K | 876.05K | 2.52M | 2.15M | 3.57M | 5.12M | 7.11M | 9.47M | 10.96M |
| Combined Ratio % | - | - | - | - | - | - | - | - | - |
| Operating Income | 4.72M | 11.15M | -18.22M | 11.69M | 17.72M | 6M | 5.13M | 26.39M | 61.14M |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 1.36% | -2.63% | 1.64% | 0.52% | -0.66% | -0.15% | 4.14% | 1.32% |
| EBITDA | 5.21M | 12.03M | -15.7M | 13.83M | 21.29M | 11.12M | 12.24M | 35.86M | 72.09M |
| EBITDA Margin % | - | - | - | - | - | - | - | - | - |
| Interest Expense | 413.04K | 2.47M | 4.27M | 2.39M | 2.31M | 2.85M | 5M | 6.57M | 7.34M |
| Non-Operating Income | -413.04K | -3.54M | -4.27M | -2.39M | -2.31M | -2.85M | -5M | -6.57M | 7.1M |
| Pretax Income | 4.72M | 8.68M | -18.22M | 11.69M | 17.72M | 6M | 5.13M | 26.39M | 46.7M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - |
| Income Tax | 0 | 17.91M | 449K | 1.3M | -1.03M | -2.29M | 2.5M | 2.69M | -2.41M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - |
| Net Income | 4.72M | 8.68M | -8.9M | 3.57M | 9.29M | 5.4M | 565K | 14.14M | 30.43M |
| Net Margin % | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 0.84% | -2.03% | 1.4% | 1.6% | -0.42% | -0.9% | 24.03% | 1.15% |
| EPS (Diluted) | 0.13 | 0.25 | -0.66 | 0.64 | 0.51 | 0.26 | 0.03 | 0.37 | 1.16 |
| EPS Growth % | - | 0.91% | -3.66% | 1.97% | -0.2% | -0.49% | -0.88% | 11.33% | 2.14% |
| EPS (Basic) | 0.39 | 0.71 | -0.66 | 0.70 | 0.55 | 0.28 | 0.03 | 0.59 | 1.23 |
| Diluted Shares Outstanding | 35M | 35M | 13.55M | 16.1M | 18.38M | 20.81M | 21.77M | 25.2M | 38.3M |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 8.69M | 16.71M | 34.8M | 64.63M | 185.84M | 270.29M | 321.35M | 354.89M | 397.65M |
| Asset Growth % | - | 0.92% | 1.08% | 0.86% | 1.88% | 0.45% | 0.19% | 0.1% | 0.12% |
| Total Investment Assets | -7.21M | -9.65M | -1.96M | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | -7.21M | -9.65M | -1.96M | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 6.51M | 8.14M | 22.84M | 0 | 0 | 0 | 71.95M | 81.74M | 0 |
| Cash & Equivalents | 3.78M | 4.95M | 18.64M | 14.34M | 24.91M | 28.53M | 28.74M | 41.96M | 54.28M |
| Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Current Assets | 422.53K | 418K | 0 | -36.82M | -67.5M | -77.53M | 0 | 0 | -108.34M |
| Goodwill & Intangibles | 47.1K | 216.47K | 248K | 445K | 549K | 2.8M | 4.49M | 17.27M | 25.08M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 47.1K | 216.47K | 248K | 445K | 549K | 2.8M | 4.49M | 17.27M | 25.08M |
| PP&E (Net) | 1.44M | 6.85M | 7.58M | 9.54M | 39.16M | 57.59M | 79.43M | 68.72M | 61.52M |
| Other Assets | -1.49M | -7.06M | 4.14M | -9.99M | -39.71M | -60.39M | -155.32M | 13.14M | -86.6M |
| Total Liabilities | 32.93M | 57.84M | 60M | 95.64M | 224.24M | 339.48M | 354.98M | 338.11M | 358.58M |
| Total Debt | 29.37M | 48.66M | 48.45M | 46.16M | 119.04M | 174.96M | 165.16M | 143.22M | 153.38M |
| Net Debt | 25.59M | 43.71M | 29.81M | 31.82M | 94.13M | 146.44M | 136.42M | 101.26M | 99.11M |
| Long-Term Debt | 29.07M | 48.16M | 45.95M | 42.16M | 79.41M | 118.36M | 86.71M | 67.56M | 82.25M |
| Short-Term Debt | 300K | 500K | 2.5M | 4M | 3.5M | 4.38M | 6.88M | 9.38M | 10.06M |
| Total Current Liabilities | 2.78M | 4.74M | -95.44M | 0 | 0 | 0 | 37.13M | 40.89M | 0 |
| Accounts Payable | 928.94K | 2.21M | 4.35M | 5.96M | 9.42M | 14.95M | 17.6M | 16.4M | 26.58M |
| Deferred Revenue | 755K | 1.06M | 530K | 2.77M | 4.23M | 6.05M | 6.03M | 0 | 3.27M |
| Other Current Liabilities | -2.78M | -4.74M | -9.08M | -26.09M | -81.93M | -131.23M | 6.03M | 6.22M | -206.6M |
| Deferred Taxes | -1000K | -1000K | -1000K | 0 | 0 | 0 | 1000K | 0 | 0 |
| Other Liabilities | -29.07M | -48.16M | -45.95M | -62.19M | -142.31M | -208.25M | 166.18M | 172.27M | -151.98M |
| Total Equity | 1.05M | 2.16M | -25.2M | -31.01M | -38.4M | -69.19M | -33.62M | 16.79M | 39.08M |
| Equity Growth % | - | 1.05% | -12.68% | -0.23% | -0.24% | -0.8% | 0.51% | 1.5% | 1.33% |
| Shareholders Equity | -24.24M | -41.13M | 82.59M | -9.01M | -4.88M | -14.02M | 10.67M | 56.55M | 43.89M |
| Minority Interest | 25.29M | 43.29M | -107.8M | -22M | -33.53M | -55.17M | -44.29M | -39.77M | -4.81M |
| Retained Earnings | -24.24M | -41.13M | -6.58M | -23.81M | -34.61M | -60.67M | -60.57M | -47.06M | -15.4M |
| Common Stock | 72.72M | 123.4M | 362K | 362K | 367K | 370K | 374K | 380K | 373K |
| Accumulated OCI | -24.24M | -41.13M | -25.2M | 0 | 0 | 0 | -33.62M | 0 | 0 |
| Return on Equity (ROE) | 4.48% | 5.4% | - | - | - | - | - | 0.84% | 1.09% |
| Return on Assets (ROA) | 0.54% | 0.68% | -0.35% | 0.07% | 0.07% | 0.02% | 0% | 0.04% | 0.08% |
| Equity / Assets | - | - | - | - | - | - | - | - | - |
| Debt / Equity | 27.86x | 22.55x | - | - | - | - | - | 8.53x | 3.93x |
| Book Value per Share | 0.03 | 0.06 | -1.86 | -1.93 | -2.09 | -3.32 | -1.54 | 0.67 | 1.02 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 4.4M | 13.54M | 10.28M | 21.24M | 24.64M | 35.44M | 36.03M | 50.76M | 71.54M |
| Operating CF Growth % | - | 2.08% | -0.24% | 1.07% | 0.16% | 0.44% | 0.02% | 0.41% | 0.41% |
| Operating CF / Revenue % | - | - | - | - | - | - | - | - | - |
| Net Income | 4.72M | 8.68M | -18.67M | 10.38M | 18.75M | 8.3M | 2.63M | 14.14M | 49.11M |
| Depreciation & Amortization | 488.33K | 876.05K | 2.52M | 2.15M | 3.57M | 5.12M | 7.11M | 9.47M | 10.96M |
| Stock-Based Compensation | 2.49M | 2.23M | 26.96M | 1.53M | 4.75M | 7.29M | 19.64M | 23.99M | 27.97M |
| Deferred Taxes | 0 | 0 | -30K | 294K | -306K | -2.52M | 2.23M | 1.52M | -3.75M |
| Other Non-Cash Items | 658.99K | 1.08M | 1.32M | 725K | 15.19M | 7.03M | 8.2M | 16.71M | 6.34M |
| Working Capital Changes | -1.47M | 2.91M | -1.83M | 6.17M | -17.31M | 10.23M | -3.77M | -15.07M | -19.09M |
| Cash from Investing | -696.39K | -6.13M | -2.18M | -4.08M | -10.33M | -15.38M | -12.57M | -19.18M | -12.42M |
| Capital Expenditures | -675.72K | -6.45M | -2.24M | -4.1M | -9.97M | -15.41M | -10.13M | -4.45M | -979K |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -6.89M | 0 |
| Purchase of Investments | -41.57K | -117.63K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 42K | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -20.68K | 316.38K | 64K | 19K | -358K | 32K | -2.44M | -7.83M | -11.44M |
| Cash from Financing | -965.23K | -6.24M | 5.59M | -20.91M | -3.33M | -15.83M | -23.55M | -17.92M | -45.2M |
| Dividends Paid | 0 | -25.52M | -80.06M | -18.74M | -44.7M | -60M | 0 | 0 | 0 |
| Share Repurchases | -28.96M | -25.52M | 0 | 0 | 0 | 0 | 0 | 0 | -63.18M |
| Stock Issued | 0 | 0 | 86.92M | 325K | 5.04M | 4.59M | 6.13M | 9.9M | 12.23M |
| Debt Issuance (Net) | 1000K | 1000K | -625K | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K |
| Other Financing | -627K | -342.23K | -639K | 0 | -677K | -666K | -309K | -10.94M | -9.83M |
| Net Change in Cash | 2.74M | 1.17M | 13.69M | -3.75M | 10.98M | 4.24M | -92K | 13.66M | 13.93M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 1.04M | 3.78M | 4.95M | 19.01M | 15.26M | 26.24M | 30.48M | 30.39M | 44.05M |
| Cash at End | 3.78M | 4.95M | 18.64M | 15.26M | 26.24M | 30.48M | 30.39M | 44.05M | 57.97M |
| Free Cash Flow | 3.73M | 7.09M | 8.03M | 17.14M | 14.28M | 20.04M | 23.42M | 38.6M | 70.56M |
| FCF Growth % | - | 0.9% | 0.13% | 1.13% | -0.17% | 0.4% | 0.17% | 0.65% | 0.83% |
| FCF Margin % | - | - | - | - | - | - | - | - | - |
| FCF per Share | 0.11 | 0.2 | 0.59 | 1.06 | 0.78 | 0.96 | 1.08 | 1.53 | 1.84 |
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 85% | -16.43% | 130.29% | 84.92% | 84.86% | 96.03% | 97.55% | 89.9% | 80.56% |
| Medical Cost Ratio | 0% | 57.47% | 0% | 0% | 0% | 0% | 0% | 0% | 54.99% |
| Return on Equity (ROE) | 447.87% | 540.24% | - | - | - | - | - | 84.24% | 108.93% |
| Return on Assets (ROA) | 54.32% | 68.32% | -34.57% | 7.18% | 7.42% | 2.37% | 0.19% | 4.18% | 8.09% |
| Equity / Assets | 12.13% | 12.92% | -72.43% | -47.98% | -20.67% | -25.6% | -10.46% | 4.73% | 9.83% |
| Book Value / Share | 0.03 | 0.06 | -1.86 | -1.93 | -2.09 | -3.32 | -1.54 | 0.67 | 1.02 |
| Debt / Equity | 27.86x | 22.55x | - | - | - | - | - | 8.53x | 3.93x |
| Revenue Growth | - | 35.66% | 40.83% | 28.83% | 51.01% | 29.31% | 38.38% | 24.78% | 20.37% |
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|
| Renewal Royalty Fees | - | - | - | - | 77.35M | 107.52M | 138.94M |
| Renewal Royalty Fees Growth | - | - | - | - | - | 39.02% | 29.22% |
| Renewal Commissions | - | - | - | - | 57.54M | 70.73M | 74.94M |
| Renewal Commissions Growth | - | - | - | - | - | 22.92% | 5.95% |
| Contingent Commissions | - | - | - | - | 7.68M | 13.75M | 31.39M |
| Contingent Commissions Growth | - | - | - | - | - | 78.89% | 128.32% |
| New Business Royalty Fees | - | - | - | - | 18.24M | 23.17M | 27.12M |
| New Business Royalty Fees Growth | - | - | - | - | - | 26.99% | 17.07% |
| New Business Commissions | - | - | - | - | 24.13M | 23.41M | 24.61M |
| New Business Commissions Growth | - | - | - | - | - | -2.96% | 5.11% |
| Agency Fees | - | - | - | - | 10.91M | 8.17M | 8.13M |
| Agency Fees Growth | - | - | - | - | - | -25.09% | -0.57% |
| Initial Franchise Fees | - | - | - | - | 10.85M | 11.24M | 6.62M |
| Initial Franchise Fees Growth | - | - | - | - | - | 3.55% | -41.09% |
| Other Franchise Revenues | - | - | - | - | 1.28M | 1.84M | 1.83M |
| Other Franchise Revenues Growth | - | - | - | - | - | 44.10% | -0.65% |
| Interest Income1 | 422K | - | - | - | 1.4M | 1.44M | 932K |
| Interest Income1 Growth | - | - | - | - | - | 2.85% | -35.41% |
| Commissions And Agency Fees | 36.7M | - | 71.81M | 82.65M | - | - | - |
| Commissions And Agency Fees Growth | - | - | - | 15.10% | - | - | - |
| Franchise | - | - | 44.39M | 67.51M | - | - | - |
| Franchise Growth | - | - | - | 52.08% | - | - | - |
| Franchise Revenue | - | 30.5M | - | - | - | - | - |
| Franchise Revenue Growth | - | - | - | - | - | - | - |
| Franchise Fees Receivable | - | 3.78M | - | - | - | - | - |
| Franchise Fees Receivable Growth | - | - | - | - | - | - | - |
Goosehead Insurance, Inc (GSHD) has a price-to-earnings (P/E) ratio of 62.2x. This suggests investors expect higher future growth.
Goosehead Insurance, Inc (GSHD) grew revenue by 20.4% over the past year. This is strong growth.
Yes, Goosehead Insurance, Inc (GSHD) is profitable, generating $30.3M in net income for fiscal year 2024 (9.7% net margin).
Goosehead Insurance, Inc (GSHD) has a return on equity (ROE) of 108.9%. This is excellent, indicating efficient use of shareholder capital.
Goosehead Insurance, Inc (GSHD) has a combined ratio of 80.6%. A ratio below 100% indicates underwriting profitability.