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Goosehead InsuranceSTU:2OX -3.78%75 Debt-to-EBITDA is 3.07 as of Jun. 2026, which is 25% below its 10-year median of 4.07. GuruFocus rates STU:2OX with a GF Score™ of 75/100 and a GF Value™ of €71.76 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 320 Insurance companies, Goosehead Insurance ranks worse than 82.81% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Goosehead Insurance's Debt-to-EBITDA or its related term are showing as below:
STU:2OX'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -4.24 Med: 4.07 Max: 12.52
Current: 3.52
During the past 10 years, the highest Debt-to-EBITDA Ratio of Goosehead Insurance was 12.52. The lowest was -4.24. And the median was 4.07.
STU:2OX's Debt-to-EBITDA is ranked worse than 82.81% of 320
companies
in the Insurance industry
Industry Median: 1.23
vs STU:2OX: 3.52
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Goosehead Insurance Debt-to-EBITDA Related Terms
Goosehead Insurance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Goosehead Insurance's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STU:2OX vs LIFE, CRD.A, TWFG: Debt-to-EBITDA Comparison
For the Insurance Brokers subindustry, Goosehead Insurance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Goosehead Insurance Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Goosehead Insurance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Goosehead Insurance's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Goosehead Insurance (STU:2OX) has a Debt-to-EBITDA of 3.07 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Goosehead Insurance. This is 25% below median its historical median of 4.07. According to the industry distribution chart, Goosehead Insurance ranks #265 out of 320 companies in the Insurance industry, placing it in the top 82.8%.
Is Goosehead Insurance's Debt-to-EBITDA too high?
Goosehead Insurance's current Debt-to-EBITDA of 3.07 is 25% below median its 10-year median of 4.07. The Insurance industry median Debt-to-EBITDA is 1.23. Goosehead Insurance's value of 3.07 is 149.6% above this industry median. Based on the distribution chart, Goosehead Insurance ranks #265 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Goosehead Insurance has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Goosehead Insurance's Debt-to-EBITDA compare to LIFE and CRD.A?
According to the Insurance industry distribution chart, Goosehead Insurance ranks #265 out of 320 companies for Debt-to-EBITDA. This places Goosehead Insurance in the lower half of its industry. The industry median Debt-to-EBITDA is 1.23. Goosehead Insurance's value of 3.07 is 149.6% above this benchmark. While the company's 10-year median is 4.07 vs. the industry median of 1.23, Goosehead Insurance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.23, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Goosehead Insurance's current Debt-to-EBITDA of 3.07 is 149.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Goosehead Insurance. For the Insurance industry, the median Debt-to-EBITDA is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Goosehead Insurance's current Debt-to-EBITDA is 3.07, which is 25% below median its own 10-year median of 4.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Goosehead Insurance stock overvalued right now?
Based on GuruFocus' analysis, Goosehead Insurance (STU:2OX) is currently considered Modestly Undervalued. The stock's GF Value™ is €71.76, compared to a current price of €55.50 — trading 22.7% below its estimated fair value. The current Debt-to-EBITDA is 3.07, which is 25% below median its 10-year median of 4.07 and 149.6% above the Insurance industry median of 1.23. Goosehead Insurance's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Goosehead Insurance (STU:2OX), the current Debt-to-EBITDA is 3.07 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Goosehead Insurance (STU:2OX) Overvalued in 2026?
Based on GuruFocus' analysis, Goosehead Insurance stock appears to be undervalued.
The current stock price of €55.50 is trading 22.7% below its estimated GF Value™ of €71.76.
GuruFocus considers Goosehead Insurance to be Modestly Undervalued.
Key valuation signals for STU:2OX:
Debt-to-EBITDA: 3.07 (25% below median its 10-year median of 4.07)
GF Value™: €71.76 vs. price of €55.50 (22.7% below fair value)
Industry Position: 149.6% above the Insurance median (#265 of 320)
No single metric tells the full story. See the STU:2OX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Goosehead Insurance Inc operates as an insurance agency. Its insurance products consist of homeowner's insurance; auto insurance; other personal lines products including flood, wind and earthquake insurance; excess liability or umbrella insurance; specialty lines insurance (motorcycle, recreational vehicle and other insurance); commercial lines insurance (general liability, property, and auto insurance for small businesses); and life insurance. Geographically, it operates in Texas, California, Illinois, Florida, and other regions. The company is has a single reportable segment: insurance distribution.
75GF Score
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