GOHEALTH INC-CLASS A (GOCO)

US38046W2044 - Common Stock

8.8  -0.11 (-1.23%)

Fundamental Rating

3

Overall GOCO gets a fundamental rating of 3 out of 10. We evaluated GOCO against 140 industry peers in the Insurance industry. GOCO has a bad profitability rating. Also its financial health evaluation is rather negative. GOCO is valied quite expensively at the moment, while it does show a decent growth rate.



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2

1. Profitability

1.1 Basic Checks

In the past year GOCO has reported negative net income.
In the past year GOCO had a positive cash flow from operations.
GOCO had negative earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: GOCO reported negative operating cash flow in multiple years.

1.2 Ratios

With a Return On Assets value of -4.22%, GOCO is not doing good in the industry: 89.93% of the companies in the same industry are doing better.
GOCO's Return On Equity of -22.56% is on the low side compared to the rest of the industry. GOCO is outperformed by 85.61% of its industry peers.
Industry RankSector Rank
ROA -4.22%
ROE -22.56%
ROIC N/A
ROA(3y)-7.44%
ROA(5y)-5.16%
ROE(3y)-40.98%
ROE(5y)-26.53%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Gross Margin of GOCO (78.36%) is better than 97.84% of its industry peers.
GOCO's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for GOCO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 78.36%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.46%
GM growth 5Y3.87%

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3

2. Health

2.1 Basic Checks

GOCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for GOCO has been increased compared to 1 year ago.
GOCO has more shares outstanding than it did 5 years ago.
The debt/assets ratio for GOCO is higher compared to a year ago.

2.2 Solvency

GOCO has an Altman-Z score of 0.13. This is a bad value and indicates that GOCO is not financially healthy and even has some risk of bankruptcy.
GOCO has a Altman-Z score of 0.13. This is in the better half of the industry: GOCO outperforms 71.22% of its industry peers.
The Debt to FCF ratio of GOCO is 5.22, which is a neutral value as it means it would take GOCO, 5.22 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of GOCO (5.22) is worse than 64.03% of its industry peers.
GOCO has a Debt/Equity ratio of 1.51. This is a high value indicating a heavy dependency on external financing.
GOCO's Debt to Equity ratio of 1.51 is on the low side compared to the rest of the industry. GOCO is outperformed by 90.65% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.51
Debt/FCF 5.22
Altman-Z 0.13
ROIC/WACCN/A
WACC9.73%

2.3 Liquidity

GOCO has a Current Ratio of 1.29. This is a normal value and indicates that GOCO is financially healthy and should not expect problems in meeting its short term obligations.
GOCO has a Current ratio of 1.29. This is amongst the best in the industry. GOCO outperforms 83.45% of its industry peers.
A Quick Ratio of 1.29 indicates that GOCO should not have too much problems paying its short term obligations.
GOCO has a better Quick ratio (1.29) than 83.45% of its industry peers.
Industry RankSector Rank
Current Ratio 1.29
Quick Ratio 1.29

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4

3. Growth

3.1 Past

GOCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 47.77%, which is quite impressive.
GOCO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.30%.
Measured over the past years, GOCO shows a very strong growth in Revenue. The Revenue has been growing by 26.57% on average per year.
EPS 1Y (TTM)47.77%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q7.14%
Revenue 1Y (TTM)16.3%
Revenue growth 3Y-5.75%
Revenue growth 5Y26.57%
Revenue growth Q2Q1.33%

3.2 Future

The Earnings Per Share is expected to grow by 17.86% on average over the next years. This is quite good.
GOCO is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.46% yearly.
EPS Next Y26.33%
EPS Next 2Y17.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-10%
Revenue Next 2Y-2.46%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for GOCO. In the last year negative earnings were reported.
Also next year GOCO is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GOCO is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, GOCO is valued cheaply inside the industry as 87.05% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.1
EV/EBITDA 16.56

4.3 Compensation for Growth

GOCO's earnings are expected to grow with 17.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y17.86%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for GOCO!.
Industry RankSector Rank
Dividend Yield N/A

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GOHEALTH INC-CLASS A

NASDAQ:GOCO (5/17/2024, 11:40:52 AM)

8.8

-0.11 (-1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap200.02M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.22%
ROE -22.56%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM 78.36%
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.49
Health
Industry RankSector Rank
Debt/Equity 1.51
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio 1.29
Quick Ratio 1.29
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)47.77%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y26.33%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)16.3%
Revenue growth 3Y-5.75%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y