GSHD vs. HIG: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at GSHD and HIG, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | GSHD | HIG |
|---|---|---|
| Company Name | Goosehead Insurance, Inc | The Hartford Insurance Group, Inc. |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Insurance |
| Market Capitalization | 3.36 billion USD | 37.29 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | April 27, 2018 | December 15, 1995 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of GSHD and HIG by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | GSHD | HIG |
|---|---|---|
| 5-Day Price Return | 0.34% | 0.62% |
| 13-Week Price Return | -19.23% | 2.77% |
| 26-Week Price Return | -24.47% | 17.43% |
| 52-Week Price Return | 7.59% | 18.78% |
| Month-to-Date Return | -4.72% | 6.62% |
| Year-to-Date Return | -19.21% | 21.23% |
| 10-Day Avg. Volume | 0.36M | 1.30M |
| 3-Month Avg. Volume | 0.33M | 1.55M |
| 3-Month Volatility | 48.05% | 19.08% |
| Beta | 1.33 | 0.70 |
Profitability
Return on Equity (TTM)
GSHD
58.13%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
GSHD’s Return on Equity of 58.13% is exceptionally high, placing it well beyond the typical range for the Insurance industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
HIG
19.14%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
In the upper quartile for the Insurance industry, HIG’s Return on Equity of 19.14% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Net Profit Margin (TTM)
GSHD
8.76%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
GSHD’s Net Profit Margin of 8.76% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.
HIG
11.85%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
HIG’s Net Profit Margin of 11.85% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
GSHD
19.49%
Insurance Industry
- Max
- 35.49%
- Q3
- 19.49%
- Median
- 14.35%
- Q1
- 8.53%
- Min
- -5.25%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
HIG
15.39%
Insurance Industry
- Max
- 35.49%
- Q3
- 19.49%
- Median
- 14.35%
- Q1
- 8.53%
- Min
- -5.25%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
Profitability at a Glance
| Symbol | GSHD | HIG |
|---|---|---|
| Return on Equity (TTM) | 58.13% | 19.14% |
| Return on Assets (TTM) | 7.45% | 3.96% |
| Net Profit Margin (TTM) | 8.76% | 11.85% |
| Operating Profit Margin (TTM) | 19.49% | 15.39% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
GSHD
0.20
Insurance Industry
- Max
- 2.97
- Q3
- 1.33
- Median
- 0.55
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
HIG
--
Insurance Industry
- Max
- 2.97
- Q3
- 1.33
- Median
- 0.55
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
GSHD
2.10
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.22
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
HIG
0.25
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.22
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
Interest Coverage Ratio (TTM)
GSHD
7.36
Insurance Industry
- Max
- 43.68
- Q3
- 20.84
- Median
- 9.56
- Q1
- 3.34
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
HIG
34.47
Insurance Industry
- Max
- 43.68
- Q3
- 20.84
- Median
- 9.56
- Q1
- 3.34
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
Financial Strength at a Glance
| Symbol | GSHD | HIG |
|---|---|---|
| Current Ratio (MRQ) | 0.20 | -- |
| Quick Ratio (MRQ) | 0.00 | -- |
| Debt-to-Equity Ratio (MRQ) | 2.10 | 0.25 |
| Interest Coverage Ratio (TTM) | 7.36 | 34.47 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
GSHD
6.37%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
With a Dividend Yield of 6.37%, GSHD offers a more attractive income stream than most of its peers in the Insurance industry, signaling a strong commitment to shareholder returns.
HIG
1.59%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
HIG’s Dividend Yield of 1.59% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
Dividend Payout Ratio (TTM)
GSHD
700.01%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
At 700.01%, GSHD’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Insurance industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.
HIG
18.34%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
HIG’s Dividend Payout Ratio of 18.34% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | GSHD | HIG |
|---|---|---|
| Dividend Yield (TTM) | 6.37% | 1.59% |
| Dividend Payout Ratio (TTM) | 700.01% | 18.34% |
Valuation
Price-to-Earnings Ratio (TTM)
GSHD
109.95
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
At 109.95, GSHD’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
HIG
11.53
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
HIG’s P/E Ratio of 11.53 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Price-to-Sales Ratio (TTM)
GSHD
9.63
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
With a P/S Ratio of 9.63, GSHD trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
HIG
1.37
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
HIG’s P/S Ratio of 1.37 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio (MRQ)
GSHD
90.66
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
At 90.66, GSHD’s P/B Ratio is at an extreme premium to the Insurance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
HIG
2.06
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
HIG’s P/B Ratio of 2.06 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | GSHD | HIG |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 109.95 | 11.53 |
| Price-to-Sales Ratio (TTM) | 9.63 | 1.37 |
| Price-to-Book Ratio (MRQ) | 90.66 | 2.06 |
| Price-to-Free Cash Flow Ratio (TTM) | 46.97 | 6.55 |