Goosehead Insurance Inc. Class A Common Stock (GSHD)

FairStock Score: 61/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett-and-Graham-minded investor, I start with the business: Goosehead is a personal-lines insurance broker, collecting fees for matching customers with home, auto, and other policies. That can be a cash-generative model, though the figures alone do not prove a wide moat. The growth record is real. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $113.4M and net income was $10.1M; in fiscal Q2 2025, revenue was $94.0M and net income was $5.2M. Fiscal Q1 2026 added $93.1M of revenue and $4.9M of net income. For FY2025, the company filed revenue of $365.3M, net income of $27.8M, and diluted EPS of $1.04. FY2024 net income was $30.4M and EPS $1.16, so the annual profit path has not been straight; FY2023 net income was $14.1M and EPS $0.55. On the FairStock data, the shares closed at $44.44 on 2026-10-13, with a P/E of 32.44, PEG of 0.34, ROCE of 13.82%, Piotroski F-Score of 6/9, and Altman Z-Score of 1.47. Trailing free cash flow was $60.8M, a 3.8% FCF yield, and there is no dividend. The PEG and cash flow look attractive if growth persists, but a 32 P/E and a low Altman score leave little room for error. I would want more evidence on durability, margins, and balance-sheet strength before calling this a bargain.

In plain English: Goosehead Insurance sells home, auto and other personal insurance policies through agents. The business has been growing quickly, and its latest reported quarter showed higher revenue and profit than a year earlier. At the current price, the stock looks fair rather than a bargain: investors are paying a high price for past profit, though the fast growth and cash generation make that price more reasonable if growth continues.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer