| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 16 | 57.9x | 17.8x | Bottom tier | |
Growth | 84 | 17.7% | 7.1% | Top tier | |
Quality | 4 | — | — | Bottom tier | |
Safety | 2 | — | — | Bottom tier | |
Capital Return | 75 | 6.69% | 2.12% | Top tier | |
Momentum | 43 | -22.7% | 2.9% | Around median | |
Sentiment | 92 | 9 | 3 | Top tier |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Goosehead Insurance operates as a distributor of personal insurance, with a primary focus on homeowners and auto insurance, and relies on three distribution channels: its franchise network, corporate sales team, and embedded partnerships. The company generates revenue from new business and renewal commissions, agency fees, franchise royalties, and contingent commissions linked to business volume and portfolio profitability at insurance carriers. It supports this growth through relationships with more than 200 insurance carriers, the Digital Agent 2.0 platform, and a nationwide network combining digital sales with access to licensed agents.
In Q2 of fiscal year 2026, revenue increased 21% year over year to $113.4 million, while core revenue rose 10% to $95.6 million; after excluding a nonrecurring $4 million collection in the comparison period, adjusted growth was 26% for total revenue and 16% for core revenue. Net income was $10.1 million, representing a calculated net margin of approximately 8.9%, and adjusted earnings before interest, taxes, depreciation, and amortization increased 30% to $37.9 million, with a 33% margin. Revenue for the twelve months ended in 2026 was approximately $402.2 million, with net income of $35.3 million and earnings per share of approximately $0.99.
The Q2 fiscal year 2026 mix reflects broad-based growth, but it also benefited from a significant surge in contingent commissions; supplemental revenue increased 180% to $16.3 million, new business commissions rose 27% to $9 million, and new business royalties increased 20% to $9.4 million. Corporate sales represented 21% of total new business commissions and agency fees, while written premiums rose 14% to approximately $1.36 billion, policies in force increased 15% to 2.1 million policies, and client retention improved to 86%. These figures show that the franchise network remains the core foundation, while corporate sales and digital technology have become more important contributors to growth.
Automated analysis for informational purposes only — not investment advice.
The average analyst price target is $69.5, within a relatively wide range of $58 to $76, with a consensus rating of “Buy”; the average is approximately 18.7% below the 52-week range high of $85.525. The 52-week range extends from $33.68 to $85.525, reflecting significant variation in the market’s valuation, while the available data does not provide a usable price-to-earnings ratio despite earnings per share of approximately $0.99 over the latest twelve months. Therefore, the available valuation relies more on analyst targets and the breadth of their range than on a reported earnings multiple, while requiring a balance between core business growth, contingent commission volatility, and expected expense pressure.
Figures in the text are as of 2026-08-31; the live price is shown at the top of the page.
Goosehead generates revenue from commissions on the sale and renewal of personal insurance policies, agency fees, franchise network royalties, and contingent commissions linked to business volume and profitability at insurance carriers. In Q2 of fiscal year 2026, core revenue was $95.6 million out of total revenue of $113.4 million. Supplemental revenue, consisting primarily of contingent commissions, reached $16.3 million after year-over-year growth of 180%.
Written premiums increased 14% to approximately $1.36 billion, and policies in force rose 15% to 2.1 million policies. New business commissions also increased 27% to $9 million, while new business royalties grew 20% to $9.4 million. Improved client retention to 86%, a more stable insurance environment, geographic expansion, and corporate sales growth contributed to these results.
During the first half of fiscal year 2026, Digital Agent 2.0 enabled customers in Texas to complete the digital shopping and binding process for homeowners and auto policies across multiple insurance carriers. Customers can transition to a licensed agent after entering their information, giving the producer a more qualified opportunity and increasing productivity rather than replacing the producer. Lily fully handles approximately 20% of inbound service calls, exceeding 30% during some periods, focusing on tasks such as identification cards, billing questions, and policy details.
The company expects total revenue to grow organically between 12% and 19% during fiscal year 2026, after raising the lower end of the range due to improved contingent commissions. It also expects written premiums to grow organically between 12% and 20%. Conversely, management expects moderate pressure on core margins because growth in compensation and general and administrative expenses may exceed core revenue growth during the current investment cycle.
Mark Miller stated during the July 22, 2026 call that he will retire at the end of fiscal year 2026 after a 40-year career. He will hand over the chief executive officer position to Mark Jones Junior, who has spent nearly 10 years on the management team, while Miller will remain a member of the board of directors. Jones confirmed that the company’s strategy will not change and that the next phase will focus on execution speed, streamlined operations, and faster decision-making.
