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Upturn AI SWOT - About
GSHD 
Goosehead Insurance Inc (GSHD)
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Upturn Advisory Summary
10/14/2025: GSHD (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $99.1
1 Year Target Price $99.1
| 1 | Strong Buy |
| 3 | Buy |
| 5 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 89.08% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.51B USD | Price to earnings Ratio 58.69 | 1Y Target Price 99.1 |
Price to earnings Ratio 58.69 | 1Y Target Price 99.1 | ||
Volume (30-day avg) 10 | Beta 1.26 | 52 Weeks Range 66.08 - 127.99 | Updated Date 10/13/2025 |
52 Weeks Range 66.08 - 127.99 | Updated Date 10/13/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When - | Estimate 0.5062 | Actual - |
Profitability
Profit Margin 8.78% | Operating Margin (TTM) 21.5% |
Management Effectiveness
Return on Assets (TTM) 11.37% | Return on Equity (TTM) 175.84% |
Valuation
Trailing PE 58.69 | Forward PE 29.07 | Enterprise Value 2086728365 | Price to Sales(TTM) 7.37 |
Enterprise Value 2086728365 | Price to Sales(TTM) 7.37 | ||
Enterprise Value to Revenue 6.11 | Enterprise Value to EBITDA - | Shares Outstanding 25350955 | Shares Floating 23247333 |
Shares Outstanding 25350955 | Shares Floating 23247333 | ||
Percent Insiders 4.15 | Percent Institutions 113.26 |
Upturn AI SWOT
Goosehead Insurance Inc
Company Overview
History and Background
Goosehead Insurance Inc. was founded in 2003 by Mark E. Jones and Robyn Jones. It began as a small agency in Southlake, Texas and has since grown into a publicly traded company known for its franchise model and focus on technology.
Core Business Areas
- Agency Channel: This segment involves the sale of insurance policies through Goosehead's network of franchise and corporate agencies. It generates commission revenue from the sale and renewal of personal lines and commercial lines insurance policies.
- Corporate Channel: This segment refers to the company's wholly owned agencies. Sales and commissions are derived similar to the agency channel.
Leadership and Structure
Mark E. Jones is the Chairman and CEO. The company has a typical corporate structure with a board of directors and executive leadership team responsible for various functions such as finance, operations, and technology.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Goosehead offers homeowners insurance policies from various carriers. Market share data specific to Goosehead is unavailable, but the homeowners insurance market is highly competitive, with companies such as State Farm, Allstate, and Progressive being major competitors. Revenue contributions are significant but not disaggregated.
- Auto Insurance: Goosehead provides auto insurance policies through its agency network. Similar to homeowners insurance, Goosehead's specific market share is not publicly available. Competitors include GEICO, Progressive, and State Farm. Revenue contributions are significant but not disaggregated.
- Commercial Insurance: Goosehead sells commerical insurance policies through its agency network. Goosehead market share is not publicly available. Competitors include Travelers, Liberty Mutual, and The Hartford. Revenue contributions are significant but not disaggregated.
Market Dynamics
Industry Overview
The insurance industry is a large and competitive market, with ongoing technological advancements and evolving consumer preferences. Independent agencies like Goosehead are facing pressure to adopt digital solutions to remain competitive.
Positioning
Goosehead Insurance Inc. positions itself as a technology-driven, independent personal lines insurance agency. Its franchise model allows for rapid expansion, and its focus on technology aims to improve efficiency and customer experience.
Total Addressable Market (TAM)
The US property and casualty insurance market is estimated to be $800 Billion. Goosehead's focus on independent agencies and technology provides a growing foothold in this large market.
Upturn SWOT Analysis
Strengths
- Technology platform
- Franchise model for rapid growth
- Strong brand recognition within its target market
- Diversified insurance product offerings
- Experienced management team
Weaknesses
- Reliance on franchise performance
- High upfront costs for franchisees
- Exposure to economic downturns affecting insurance demand
- Dependence on a limited number of insurance carriers
- Variable commission structure dependent on insurance carriers
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital insurance solutions
- Partnerships with Insurtech companies
- Acquisition of smaller insurance agencies
- Cross-selling opportunities to existing customers
Threats
- Increased competition from direct insurance providers
- Changes in insurance regulations
- Economic downturns affecting consumer spending
- Cybersecurity risks
- Natural disasters increasing claim costs
Competitors and Market Share
Key Competitors
- Brown & Brown Inc (BRO)
- Arthur J. Gallagher & Co (AJG)
- Acrisure LLC (Private)
Competitive Landscape
Goosehead's competitive advantage lies in its franchise model and technology platform. However, it faces stiff competition from larger, more established insurance brokers with greater financial resources and brand recognition.
Major Acquisitions
Capacity Insurance Services
- Year: 2020
- Acquisition Price (USD millions): 7
- Strategic Rationale: Expanded the companyu2019s footprint in the Houston market and added experienced commercial lines professionals.
Growth Trajectory and Initiatives
Historical Growth: Goosehead has experienced rapid growth in recent years, driven by its franchise expansion and technology adoption.
Future Projections: Analyst estimates for future growth vary, but generally project continued revenue and earnings growth driven by franchise expansion and increased market share.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new states, and partnerships with insurance carriers.
Summary
Goosehead Insurance shows promise with its franchise model and technological focus, yet it confronts stiff competition from larger brokers. The company's rapid expansion and tech investments are key strengths, but reliance on franchise performance and economic volatility present risks. Continued geographic expansion and adoption of digital solutions can fuel future growth. Goosehead must remain vigilant against regulatory changes and cybersecurity threats to maintain its competitive edge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Market data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Goosehead Insurance Inc
Exchange NASDAQ | Headquaters Westlake, TX, United States | ||
IPO Launch date 2018-04-27 | President, CEO & Director Mr. Mark K. Miller CPA | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees 1580 | Website https://www.goosehead.com |
Full time employees 1580 | Website https://www.goosehead.com | ||
Goosehead Insurance, Inc operates as a holding company for Goosehead Financial, LLC that engages in the provision of personal lines insurance agency services in the United States. The company offers insurance service for homeowner's; automotive; dwelling property; flood, wind, and earthquake; excess liability or umbrella; general liability, and property and auto insurance for small businesses; life insurance; and motorcycle, recreational vehicle, and other insurance policies. It distributes its products and services through corporate and franchise locations. The company was founded in 2003 and is headquartered in Westlake, Texas.
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