Goosehead Insurance, Inc (GSHD) Financial Ratios
10 years of historical data (2016–2025) · Financial Services · Insurance - Diversified
EV/EBITDA
↓
13.89
↓-86% vs avg
5yr avg: 95.86
30Y Low36.4·High72.1
P/FCF
↓
10.14
↓-84% vs avg
5yr avg: 61.47
30Y Low31.9·High160.7
P/B Ratio
↓
N/A
—
5yr avg: 109.45
30Y Low105.1·High113.8
ROE
↑
N/A
—
5yr avg: 96.6%
30Y Low84%·High448%
Debt/EBITDA
↓
4.11
↓-48% vs avg
5yr avg: 7.89
30Y Low2.1·High15.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
GSHD Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Goosehead Insurance, Inc trades at 35.5x earnings, 91% below its 5-year average of 402.6x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 161%. On a free-cash-flow basis, the stock trades at 10.1x P/FCF, 84% below the 5-year average of 61.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $873M | $2.8B | $4.1B | $1.9B | $748M | $2.7B | $2.3B | $683M | $356M | — | — |
| Enterprise Value | $1.2B | $3.1B | $4.2B | $2.0B | $882M | $2.9B | $2.4B | $714M | $386M | — | — |
| P/E Ratio → | 35.46 | 70.82 | 92.43 | 204.86 | 1144.67 | 500.31 | 244.63 | 66.25 | — | — | — |
| P/S Ratio | 2.39 | 7.68 | 13.06 | 7.31 | 3.57 | 17.89 | 19.60 | 8.81 | 5.92 | — | — |
| P/B Ratio | — | — | 105.09 | 113.81 | — | — | — | — | — | — | — |
| P/FCF | 10.14 | 32.60 | 58.20 | 49.49 | 31.93 | 135.12 | 160.66 | 39.82 | 44.37 | — | — |
| P/OCF | 9.51 | 30.58 | 57.40 | 37.64 | 20.75 | 76.38 | 93.07 | 32.14 | 34.68 | — | — |
P/E links to full P/E history page with 30-year chart
GSHD EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Goosehead Insurance, Inc's enterprise value stands at 13.9x EBITDA, 86% below its 5-year average of 95.9x. The Financial Services sector median is 11.4x, placing the stock at a 22% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 8.55 | 13.36 | 7.69 | 4.21 | 18.85 | 20.39 | 9.21 | 6.41 | — | — |
| EV / EBITDA | 13.89 | 36.45 | 58.28 | 56.04 | 72.11 | 256.44 | 112.08 | 51.59 | — | — | — |
| EV / EBIT | 16.00 | 41.86 | 77.76 | 60.98 | 87.13 | 321.95 | 119.13 | 50.70 | — | — | — |
| EV / FCF | — | 36.29 | 59.55 | 52.06 | 37.68 | 142.33 | 167.16 | 41.62 | 48.04 | — | — |
GSHD Profitability
Margins and return-on-capital ratios measuring operating efficiency
Goosehead Insurance, Inc earns an operating margin of 20.4%, roughly in line with the Financial Services sector average. Operating margins have expanded from 10.1% to 20.4% over the past 3 years, signaling improving operational efficiency. ROIC of 38.6% represents excellent returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 46.2% | 46.2% | 45.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 42.5% | 100.0% |
| Operating Margin | 20.4% | 20.4% | 19.4% | 10.1% | 2.4% | 4.0% | 15.1% | 15.1% | -30.3% | 26.1% | 15.0% |
| Net Profit Margin | 7.6% | 7.6% | 9.7% | 5.4% | 0.3% | 3.6% | 7.9% | 4.6% | -14.8% | 20.3% | 15.0% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | — | 108.9% | 84.2% | — | — | — | — | — | 540.2% | 447.9% |
| ROA | 6.9% | 6.9% | 8.1% | 4.2% | 0.2% | 2.4% | 7.4% | 7.2% | -34.6% | 68.3% | 54.3% |
| ROIC | 38.6% | 38.6% | 36.6% | 18.2% | 4.4% | 6.9% | 49.0% | 424.7% | -55.0% | 23.3% | — |
| ROCE | 19.0% | 19.0% | 17.0% | 8.2% | 1.8% | 2.7% | 14.8% | 25.2% | -75.1% | 90.7% | 56.3% |
GSHD Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Goosehead Insurance, Inc carries a Debt/EBITDA ratio of 4.1x, which is highly leveraged (roughly in line with the sector average of 4.3x). Net debt stands at $318M ($352M total debt minus $34M cash). Interest coverage of 3.1x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | 3.93 | 8.53 | — | — | — | — | — | 22.55 | 27.86 |
| Debt / EBITDA | 4.11 | 4.11 | 2.13 | 3.99 | 13.50 | 15.73 | 5.59 | 3.34 | — | 4.05 | 5.64 |
| Net Debt / Equity | — | — | 2.44 | 5.91 | — | — | — | — | — | 20.06 | 23.99 |
| Net Debt / EBITDA | 3.71 | 3.71 | 1.32 | 2.77 | 11.01 | 12.99 | 4.36 | 2.23 | — | 3.60 | 4.85 |
| Debt / FCF | — | 3.69 | 1.35 | 2.57 | 5.75 | 7.21 | 6.50 | 1.80 | 3.67 | 6.11 | 6.79 |
| Interest Coverage | 3.14 | 3.14 | 7.36 | 5.02 | 2.03 | 3.10 | 8.67 | 5.90 | -3.27 | 4.51 | 12.43 |
GSHD Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Goosehead Insurance, Inc's current ratio of 7.60x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 4.16x to 7.60x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 7.60 | 7.60 | 6.26 | 4.16 | 5.45 | 8.06 | 9.71 | 8.94 | 9.51 | 17.12 | 22.68 |
| Quick Ratio | 7.60 | 7.60 | 6.26 | 4.16 | 5.45 | 8.06 | 9.71 | 8.94 | 9.51 | 17.12 | 22.68 |
| Cash Ratio | 2.95 | 2.95 | 3.49 | 2.41 | 2.25 | 3.29 | 3.91 | 3.81 | 7.60 | 10.73 | 13.59 |
| Asset Turnover | — | 0.88 | 0.79 | 0.74 | 0.65 | 0.56 | 0.63 | 1.20 | 1.73 | 2.56 | 3.62 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
GSHD Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Goosehead Insurance, Inc returns 19.7% to shareholders annually — split between a 10.4% dividend yield and 9.4% buyback yield. The payout ratio exceeds 100% at 523.8%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 2.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 10.4% | 5.2% | — | — | — | 1.0% | 1.9% | 2.7% | 22.5% | — | — |
| Payout Ratio | 523.8% | 523.8% | — | — | — | 524.6% | 481.3% | 525.3% | — | 294.1% | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 2.8% | 1.4% | 1.1% | 0.5% | 0.1% | 0.2% | 0.4% | 1.5% | — | — | — |
| FCF Yield | 9.9% | 3.1% | 1.7% | 2.0% | 3.1% | 0.7% | 0.6% | 2.5% | 2.3% | — | — |
| Buyback Yield | 9.4% | 2.9% | 1.5% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 19.7% | 8.1% | 1.5% | 0.0% | 0.0% | 1.0% | 1.9% | 2.7% | 22.5% | — | — |
| Shares Outstanding | — | $38M | $38M | $25M | $22M | $21M | $18M | $16M | $14M | $35M | $35M |
Peer Comparison
Compare GSHD with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 GSHDYou | $873M | 35.5 | 13.9 | 10.1 | 46.2% | 20.4% | — | 38.6% | 4.1 |
 SLQT | $174M | 74.3 | 6.3 | — | 38.7% | 4.5% | 10.7% | 5.3% | 4.7 |
 HIFS | $628M | 11.5 | 28.4 | 17.7 | 43.6% | 30.7% | 12.0% | 2.8% | 20.0 |
 RYAN | $5B | 74.4 | 8.7 | 7.9 | 90.6% | 20.5% | 5.4% | 10.8% | 3.9 |
 ACGL | $32B | 7.8 | 6.6 | 5.3 | 37.2% | 25.0% | 19.5% | 15.4% | 0.5 |
 AON | $68B | 18.7 | 15.7 | 21.2 | 47.7% | 25.3% | 46.3% | 13.5% | 3.1 |
 MMC | $85B | 21.3 | 16.0 | 21.4 | 42.8% | 23.8% | 31.3% | 15.2% | 3.3 |
 WTW | $24B | 15.7 | 10.5 | 15.6 | 42.1% | 23.0% | 20.0% | 14.0% | 2.6 |
 AJG | $55B | 37.2 | 18.4 | 30.8 | 54.8% | 18.3% | 6.9% | 7.0% | 3.8 |
 BRO | $20B | 18.7 | 13.1 | 14.6 | 87.7% | 28.5% | 11.1% | 8.7% | 3.8 |
 ERIE | $10B | 20.8 | 12.4 | 17.9 | 15.8% | 17.7% | 26.2% | 29.5% | — |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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GSHD — Frequently Asked Questions
Quick answers to the most common questions about buying GSHD stock.
What is Goosehead Insurance, Inc's P/E ratio?
Goosehead Insurance, Inc's current P/E ratio is 35.5x. The historical average is 76.5x.
What is Goosehead Insurance, Inc's EV/EBITDA?
Goosehead Insurance, Inc's current EV/EBITDA is 13.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 54.9x.
Is GSHD stock overvalued?
Based on historical data, Goosehead Insurance, Inc is trading at a P/E of 35.5x. Compare with industry peers and growth rates for a complete picture.
What is Goosehead Insurance, Inc's dividend yield?
Goosehead Insurance, Inc's current dividend yield is 10.37% with a payout ratio of 523.8%.
What are Goosehead Insurance, Inc's profit margins?
Goosehead Insurance, Inc has 46.2% gross margin and 20.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Goosehead Insurance, Inc have?
Goosehead Insurance, Inc's Debt/EBITDA ratio is 4.1x, indicating high leverage. A ratio above 4x may signal elevated financial risk.