Stocktoria
Goosehead Insurance, Inc. GSHD
Nasdaq · XNAS · stock · Insurance Agents, Brokers & Service · website · IPO 2018-04-27
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5/9
Piotroski F — financial health
0.54
Altman Z″ — distress risk · distress
523.8%
Dividend payout · at-risk
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $365.3M | $0 | $0 | $209.4M | $151.3M |
| Operating income | $74.4M | $61.1M | $33.0M | $10.1M | $8.7M |
| Net income | $27.8M | $30.4M | $14.1M | $565,000 | $5.4M |
| Operating cash flow | $91.8M | $71.5M | $50.8M | $36.0M | $35.4M |
| Free cash flow | $86.1M | $70.6M | $46.4M | $25.9M | $22.7M |
| Total assets | $414.9M | $397.7M | $354.9M | $321.4M | $270.3M |
| Total liabilities | $577.7M | $358.6M | $338.1M | $355.0M | $339.5M |
| Shareholders' equity | -$95.5M | $39.1M | $16.8M | -$33.6M | -$69.2M |
| Ratios | |||||
| Operating margin | 20.4% | — | — | 4.8% | 5.7% |
| Net margin | 7.6% | — | — | 0.3% | 3.6% |
| FCF margin | 23.6% | — | — | 12.4% | 15.0% |
| Return on assets | 6.7% | 7.7% | 4.0% | 0.2% | 2.0% |
| Return on equity | -29.1% | 77.9% | 84.2% | -1.7% | -7.8% |
| Debt / equity | -3.03× | 2.10× | 4.02× | -2.58× | -1.71× |
| Current ratio | 1.60 | 2.34 | 1.82 | 1.46 | 1.66 |
| Revenue growth | — | — | -100.0% | 38.4% | 29.3% |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: 0.54 (distress)
- Working capital / assets 0.084
- Retained earnings / assets -0.321
- EBIT / assets 0.179
- Equity / liabilities -0.165
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001726978 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.