Goosehead Insurance sells personal and commercial property and casualty policies through a franchise network of independent agents, with its own agency management software and a cross-selling engine that bundles auto, home and other lines. Its structural edge is the franchise model: agents pay for the platform and the carrier relationships, so Goosehead books recurring commission and fee revenue without carrying the balance sheet risk of a traditional underwriter. Revenue grew 20.7% over the trailing period and operating margin reached 23.4%, with a 175.8% return on equity that reflects a capital-light business rather than leverage. The stock trades at 33.9 times trailing earnings but 16.2 times forward earnings, so the market is pricing in a sharp step-up in profit that the analysts' estimates imply and that the next few reporting periods need to confirm. At a 1.7 billion dollar market cap and no index membership, the name sits in the small-cap zone where ownership is concentrated and the thesis rests heavily on whether franchise growth and margin expansion both hold.
Plain-English pros, cons, and what to watch. Pro feature.
See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.
The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.
The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.
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Follow the informed money: 13F position changes, insider and Congress trades, and 13D activist filings.
| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 21 Oct 2026, 12:04 CEST | Rating | Overvalued | first publication | $47.01 |
| 21 Oct 2026, 12:04 CEST | Fair value | $31.49 | $40.81 | $47.01 |
| 16 Oct 2026, 00:00 CEST | Fair value | $40.81 | $41.55 | $44.60 |
| 12 Oct 2026, 00:00 CEST | ACCE price target | $51.00 | first publication | $43.51 |
| 12 Oct 2026, 00:00 CEST | Fair value | $41.55 | $40.63 | $43.51 |
| 8 Oct 2026, 00:00 CEST | Fair value | $40.63 | $42.65 | $43.39 |
| 19 Aug 2026, 00:00 CEST | Fair value | $42.65 | $43.14 | $64.22 |
| 30 Jul 2026, 00:00 CEST | Fair value | $43.14 | $39.67 | $70.31 |
| 23 Jul 2026, 00:00 CEST | Fair value | $39.67 | $43.85 | $54.90 |
| 21 Jul 2026, 00:00 CEST | Fair value | $43.85 | $39.52 | $56.27 |
Answered from Goosehead Insurance Inc. Class A Common Stock fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| GSHD Goosehead Insurance Inc. Class A Common Stock | $48.50 | $32 | 54% above | 36.9x | 175.8% | 68 | 59 |
| AUB.AX AUB Group Limited | A$29.42 | A$26 | 12% above | 36.8x | 6.3% | 71 | 56 |
| LIFE Ethos Technologies Inc. Class A Common Stock | $43.10 | $17 | 151% above | - | -26.1% | 38 | 58 |
| NP Neptune Insurance Holdings Inc. Class A Common Stock | $28.44 | - | - | 124.9x | 0.0% | 58 | 54 |
| CRVL CorVel Corp. Common Stock | $83.87 | $37 | 129% above | 37.4x | 30.7% | 78 | 66 |
| ARX Accelerant Holdings Class A Common Shares | $19.77 | $32 | 37% below | - | -222.0% | 60 | 75 |
| BWIN The Baldwin Insurance Group Inc. Class A Common Stock | $31.96 | - | - | - | -10.7% | 25 | 56 |
Where GSHD ranks against its sector peers on each metric.