TacticScaleGoosehead Insurance (GSHD) Stock: Fair Value & Is It Undervalued?
Updated October 2026 · reflects Goosehead Insurance's latest reported financials
U.S. personal lines insurance agency operating via corporate and franchise locations
Quick answer: Goosehead Insurance's most-likely fair value is about $48 (range $27–$116) versus a recent price near $44. The disciplined verdict is “Fairly priced — no edge” — fair value is only actionable at the extremes. Analysis, not advice.
Price sits in the normal range — fair value isn't actionable here; it earns its keep only when price drops below the no-growth floor, or runs to roughly double the optimistic case.
⚠ High leverage — net debt is 6.2× annual cash flow. Net debt is subtracted from this fair value, but refinancing at higher rates, principal timing, and share dilution aren’t modeled — the equity can be worth far less if cash flow weakens.
Analysis, not advice. Fair value is a margin-of-safety estimate from a deterministic owner-earnings DCF, not a price target or recommendation. See the full breakdown →
Is Goosehead Insurance stock undervalued?
On an owner-earnings DCF, Goosehead Insurance's most-likely value is about $48 versus a recent price near $44 (10% below fair value). But TacticScale only calls a stock undervalued when the price sits below its conservative no-growth floor (~$16) with a margin of safety — so the honest verdict here is “Fairly priced — no edge.” Fair value earns its keep only at the extremes, not in the wide middle.
What is Goosehead Insurance?
Goosehead Insurance, Inc. is the holding company for Goosehead Financial, LLC, an insurance agency focused on personal lines in the United States. Its offering spans homeowner's, auto, dwelling property, flood, wind, earthquake, umbrella, life, motorcycle and recreational vehicle policies. It also covers general liability, property and auto insurance for small businesses. The company distributes through two channels: corporate-owned locations and franchise locations. It was founded in 2003 and is headquartered in Westlake, Texas.
What Goosehead Insurance does
Goosehead Insurance is an insurance agency that helps people and small businesses in the U.S. buy insurance policies. It offers coverage for homes, cars, flood, wind and earthquake risks, umbrella liability, life, motorcycles, RVs, and small-business property and liability. Customers are served through company-owned offices and franchised agency locations.
How Goosehead Insurance makes money
As an insurance agency and broker, it earns money by placing policies with insurance carriers rather than taking on the risk itself. It sells through both corporate-owned and franchise locations.
Products & services
- Homeowner's insurance
- Auto insurance
- Flood, wind and earthquake coverage
- Umbrella and excess liability insurance
- Small business property, auto and general liability insurance
- Life insurance
Related companies
The Hanover Insurance Group (THG) · Safety Insurance Group (SAFT) · Selective Insurance Group (SIGI) · Globe Life (GL) · United Fire Group (UFCS)