Is ERIE or GSHD more undervalued in 2026?

CirclFi compares Erie Indemnity Company (ERIE) and Goosehead Insurance, Inc. (GSHD) using 13 institutional-grade valuation models. ERIE has a Quality of Company score of 9.6/10 while GSHD scores 8.8/10.

Which is a better buy — ERIE or GSHD?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do ERIE and GSHD valuations compare?

ERIE at $218.19 and GSHD at $35.23 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ERIE vs GSHD Valuation Comparison 2026 — Intrinsic Value Analysis

ERIE

Insurance Brokers

Erie Indemnity Company

Quality

9.6

out of 10

Value Trap

SAFE

Price

$218.19

Last close

Models

13/13

Active

GSHD

Insurance Brokers

Goosehead Insurance, Inc.

Quality

8.8

out of 10

Value Trap

SAFE

Price

$35.23

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	ERIE Fair Value	ERIE Upside	GSHD Fair Value	GSHD Upside
Bayesian DCF	Intrinsic	$157.38	-27.9%	$23.39	-33.6%
Earnings Power Value	Intrinsic	$106.65	-51.1%	$8.15	-76.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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ERIE vs GSHD — Which Stock Is More Undervalued?

ERIE scores higher with a 9.6/10 quality rating vs GSHD's 8.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Erie Indemnity Company (ERIE) and Goosehead Insurance, Inc. (GSHD) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

ERIE currently trades at $218.19 with a QOC of 9.6/10, while GSHD trades at $35.23 with a QOC of 8.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).