Goosehead Insurance, Inc. (GSHD): one to watch?

Wait — real fundamentals are strong, but the crash is tied to a genuine, unresolved fear that AI-driven insurance shopping could erode Goosehead's core business model.

👀 WATCH Fundamentals62/100

Fell 22% in 11 trading day(s) — now $56.40

Why GSHD dropped

The stock has been sliding for months (already down well before this week's 9.5% drop) on concerns that AI tools letting consumers compare and buy insurance directly could bypass Goosehead's network of human agents, plus signs that customer loyalty is softening.

Fwd P/E 20.9Op margin 23.4%Rev growth 20.7%Debt/equity —Analyst upside 22.2%

How this scored 62/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 8.8%

✅ Generates cash Free cash flow $37M

✅ Not drowning in debt Debt/equity unknown — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 14/25

Operating margin 23.4% 8/9

Net profit margin 8.8% 4/8

Return on equity unknown 2/8

Growth Is it getting bigger, or dying? 24/25

Revenue growth 20.7% 8/9

Earnings growth 122.2% 8/8

Expected profit change 97.1% 8/8

Value Is it cheap right now? 11/25

Forward P/E 20.9 6/10

PEG ratio unknown 2/8

Analyst target upside 22.2% 3/7

Balance sheet Will it survive? 13/25

Debt / equity unknown 3/10

Current ratio 1.5 3/8

Free cash flow $37M 7/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-09-10. Research only — not financial advice.