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Held by 212 of 5,944 reporting institutions (92th percentile) — extremely crowded.
Data as of Q1 2026
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Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $53.33 today, the market must believe free cash flow compounds 9.9%/yr for a decade (off $68M normalized FCF).
The market's 9.9% is more conservative than its 8-yr track record.
2-stage DCF · 0.02B shares · net debt $258M
mean 41.5% · volatility σ 42% · implied rate exceeded in 7/8 yrs
Central path = implied 9.9%/yr growth; shaded band = ±1σ (42%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $365.3M 100.0% | $314.5M 100.0% | $261.3M 100.0% | $209.4M 100.0% | $151.3M 100.0% | $117.0M 100.0% | $77.5M 100.0% | $60.1M 100.0% | $42.7M 100.0% |
| Selling, General & Admin | $81.4M 22.3% | $67.1M 21.3% | $62.1M 23.8% | $52.9M 25.3% | $39.8M 26.3% | $25.0M 21.4% | $19.0M 24.6% | $13.1M 21.7% | $8.6M 20.1% |
| Total Operating Expenses | $290.9M 79.6% | $253.4M 80.6% | $228.3M 87.4% | $199.3M 95.2% | $142.6M 94.3% | $97.1M 83.0% | $63.4M 81.8% | $74.1M 123.2% | $35.1M 82.2% |
| Operating Income | $74.4M 20.4% | $61.1M 19.4% | $33.0M 12.6% | $10.1M 4.8% | $8.7M 5.7% | $19.9M 17.0% | $14.1M 18.2% | -$13.9M -23.2% | $7.6M 17.8% |
| Interest Expense | $23.8M 6.5% | $7.3M 2.3% | $6.6M 2.5% | $5.0M 2.4% | $2.9M 1.9% | $2.3M 2.0% | $2.4M 3.1% | $4.3M 7.1% | $2.5M 5.8% |
| Interest & Investment Income | — | — | — | — | $1.2M 0.8% | $813K 0.7% | $617K 0.8% | $422K 0.7% | — |
| Other Income (Expense), net | $192K 0.1% | -$7.1M -2.3% | $0 0.0% | $0 0.0% | $185K 0.1% | $90K 0.1% | $0 0.0% | -$22K -0.0% | $3.5M 8.3% |
| Pretax Income | $50.8M 13.9% | $46.7M 14.8% | $26.4M 10.1% | $5.1M 2.4% | $6.0M 4.0% | $17.7M 15.1% | $11.7M 15.1% | -$18.2M -30.3% | $8.7M 20.3% |
| Income Tax Expense | $6.4M 1.8% | -$2.4M -0.8% | $2.7M 1.0% | $2.5M 1.2% | -$2.3M -1.5% | -$1.0M -0.9% | $1.3M 1.7% | $449K 0.7% | $0 0.0% |
| Net Income | $27.8M 7.6% | $30.4M 9.7% | $14.1M 5.4% | $565K 0.3% | $5.4M 3.6% | $9.3M 7.9% | $3.6M 4.6% | -$8.9M -14.8% | $0 0.0% |
| Per Share | |||||||||
| EPS (Basic) | $1.11 | $1.23 | $0.59 | $0.03 | $0.28 | $0.55 | $0.24 | $-0.66 | — |
| EPS (Diluted) | $1.04 | $1.16 | $0.55 | $0.03 | $0.26 | $0.51 | $0.22 | $-0.66 | — |
| Weighted Avg Shares (Basic) | 25.0M | 24.7M | 23.9M | 21.0M | 19.2M | 16.8M | 14.9M | 13.6M | — |
| Weighted Avg Shares (Diluted) | 38.1M | 38.3M | 38.4M | 21.8M | 20.8M | 18.4M | 16.1M | 13.6M | — |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
4/8 of the 9 checks — 1 couldn't be scored (see above), so the score is out of the 8 with data.
Safe > 2.99 · grey 1.81–2.99 · distress < 1.81
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Earnings are backed by cash (FCF ≥ net income) — high quality. Lower/negative accruals = higher quality (Sloan).
Interest coverage is thin — monitor; leverage rising year-over-year.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
The dividend exceeds free cash flow (169%) — funded from the balance sheet or debt, a red flag if it persists. Last year: $146M dividends + $82M buybacks = $228M returned on $86M FCF.
1 consecutive years of dividend increases · -0%/yr.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 9 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 14%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 9 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $34M covers the $3M due within a year 11.5× over. Scheduled principal only (excludes interest & revolver draws). As of 2025-12-31 (10-K).
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Coverage is adequate but not comfortable. Effective rate ~8.1% on $292M of debt.
Cash of $34M fully covers short-term debt of $3M.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
EOD close · as of 2026-09-17
Nothing notable to watch.
Where each multiple sits in its own 8-yr range · 4th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 8-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Returns are margin-driven, not leverage-driven — higher quality.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
High operating leverage: profit moved 1.3× as fast as sales — great in an upturn, painful in a downturn.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| SG&A | 21.7 | 24.6 | 21.4 | 26.3 | 25.3 | 23.8 | 21.3 | 22.3 |
| Operating Income | -23.2 | 18.2 | 17.0 | 5.7 | 4.8 | 12.6 | 19.4 | 20.4 |
| Income Tax | 0.7 | 1.7 | -0.9 | -1.5 | 1.2 | 1.0 | -0.8 | 1.8 |
| Net Income | -14.8 | 4.6 | 7.9 | 3.6 | 0.3 | 5.4 | 9.7 | 7.6 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on GSHD: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $941.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $694.5B | — | — | 17.4× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $512.0B | 34.3× | — | 15.6× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $419.6B | 15.3× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $282.1B | 18.5× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $268.7B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $213.5B | 20.2× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $188.8B | 22.5× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $173.4B | 21.8× | — | 6.8× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $169.2B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $163.4B | 29.9× | — | 6.8× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| GLD | $134.4B | — | — | — | — | — | — | — | — | — | 3,072 |
| CB | $133.7B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| PGR | $126.8B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $120.7B | 27.6× | 17.3× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| HOOD | $97.6B | 53.6× | — | 21.8× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| CME | $97.5B | 24.3× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $96.4B | 13.0× | — | 3.4× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| BX | $93.9B | 32.4× | — | 6.5× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.9B | 14.0× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $89.8B | — | — | — | — | — | — | — | — | — | 7 |
| KKR | $87.5B | — | — | 4.5× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| ICE | $86.9B | 26.6× | 20.6× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| MRSH | $84.7B | 20.7× | 15.4× | 3.1× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| GSHD | $1.3B | 51.3× | 18.6× | 3.6× | 16.2% | — | 7.6% | -29.1% | 14.1% | 3.4× | 212 |
Peers = companies sharing GSHD's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.