GOHEALTH INC-CLASS A (GOCO) Stock Fundamental Analysis
USA - NASDAQ:GOCO - US38046W2044 - Common Stock
3.4 USD
+0.01 (+0.29%)
GOCO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. GOCO has a bad profitability rating. Also its financial health evaluation is rather negative. GOCO has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year GOCO was profitable.
GOCO had a negative operating cash flow in the past year.
GOCO had negative earnings in each of the past 5 years.
In multiple years GOCO reported negative operating cash flow during the last 5 years.
1.2 Ratios
GOCO's Return On Assets of -2.30% is on the low side compared to the rest of the industry. GOCO is outperformed by 89.04% of its industry peers.
The Return On Equity of GOCO (-12.24%) is worse than 88.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.3% | ||
| ROE | -12.24% | ||
| ROIC | N/A |
ROA(3y)-4.54%
ROA(5y)-4.73%
ROE(3y)-23.85%
ROE(5y)-26.03%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
GOCO has a better Gross Margin (82.54%) than 97.95% of its industry peers.
In the last couple of years the Gross Margin of GOCO has grown nicely.
The Profit Margin and Operating Margin are not available for GOCO so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 82.54% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.59%
GM growth 5Y4.06%
2. Health
2.1 Basic Checks
GOCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
GOCO has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, GOCO has more shares outstanding
The debt/assets ratio for GOCO has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.26, we must say that GOCO is in the distress zone and has some risk of bankruptcy.
GOCO has a Altman-Z score of 0.26. This is in the better half of the industry: GOCO outperforms 68.49% of its industry peers.
GOCO has a Debt/Equity ratio of 2.27. This is a high value indicating a heavy dependency on external financing.
GOCO's Debt to Equity ratio of 2.27 is on the low side compared to the rest of the industry. GOCO is outperformed by 93.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.27 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.26 |
ROIC/WACCN/A
WACC11.37%
2.3 Liquidity
A Current Ratio of 1.56 indicates that GOCO should not have too much problems paying its short term obligations.
GOCO has a better Current ratio (1.56) than 88.36% of its industry peers.
A Quick Ratio of 1.56 indicates that GOCO should not have too much problems paying its short term obligations.
GOCO's Quick ratio of 1.56 is amongst the best of the industry. GOCO outperforms 88.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.56 | ||
| Quick Ratio | 1.56 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 130.59% over the past year.
The Revenue has grown by 17.46% in the past year. This is quite good.
The Revenue has been growing by 8.17% on average over the past years. This is quite good.
EPS 1Y (TTM)130.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%95.56%
Revenue 1Y (TTM)17.46%
Revenue growth 3Y-9.06%
Revenue growth 5Y8.17%
Sales Q2Q%-11.17%
3.2 Future
GOCO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.76% yearly.
The Revenue is expected to grow by 8.65% on average over the next years. This is quite good.
EPS Next Y-325.59%
EPS Next 2Y-16.32%
EPS Next 3Y39.76%
EPS Next 5YN/A
Revenue Next Year8.86%
Revenue Next 2Y7.15%
Revenue Next 3Y8.65%
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.69 indicates a rather cheap valuation of GOCO.
Compared to the rest of the industry, the Price/Earnings ratio of GOCO indicates a rather cheap valuation: GOCO is cheaper than 92.47% of the companies listed in the same industry.
GOCO is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
GOCO is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.69 | ||
| Fwd PE | N/A |
4.2 Price Multiples
GOCO's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GOCO is cheaper than 76.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 5.94 |
4.3 Compensation for Growth
GOCO's earnings are expected to grow with 39.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-16.32%
EPS Next 3Y39.76%
5. Dividend
5.1 Amount
No dividends for GOCO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:GOCO (11/10/2025, 8:00:02 PM)
3.4
+0.01 (+0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners34.48%
Inst Owner Change30.35%
Ins Owners10.57%
Ins Owner Change1.49%
Market Cap97.27M
Revenue(TTM)822.44M
Net Income(TTM)-30.19M
Analysts82
Price Target19.38 (470%)
Short Float %2.42%
Short Ratio5.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)11.02%
Min EPS beat(2)-73.4%
Max EPS beat(2)95.44%
EPS beat(4)3
Avg EPS beat(4)55.19%
Min EPS beat(4)-73.4%
Max EPS beat(4)114.14%
EPS beat(8)4
Avg EPS beat(8)13.83%
EPS beat(12)6
Avg EPS beat(12)-37.22%
EPS beat(16)8
Avg EPS beat(16)44.16%
Revenue beat(2)0
Avg Revenue beat(2)-10.54%
Min Revenue beat(2)-19.48%
Max Revenue beat(2)-1.6%
Revenue beat(4)2
Avg Revenue beat(4)1.49%
Min Revenue beat(4)-19.48%
Max Revenue beat(4)17.54%
Revenue beat(8)3
Avg Revenue beat(8)-6.46%
Revenue beat(12)4
Avg Revenue beat(12)-10.53%
Revenue beat(16)7
Avg Revenue beat(16)-3.49%
PT rev (1m)0%
PT rev (3m)-14.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)19.92%
EPS NY rev (1m)0%
EPS NY rev (3m)-65.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-17.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.69 | ||
| Fwd PE | N/A | ||
| P/S | 0.12 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.39 | ||
| P/tB | 2.2 | ||
| EV/EBITDA | 5.94 |
EPS(TTM)2.01
EY59.12%
EPS(NY)-1.47
Fwd EYN/A
FCF(TTM)-2.1
FCFYN/A
OCF(TTM)-1.67
OCFYN/A
SpS28.75
BVpS8.62
TBVpS1.54
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.75
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.3% | ||
| ROE | -12.24% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 82.54% | ||
| FCFM | N/A |
ROA(3y)-4.54%
ROA(5y)-4.73%
ROE(3y)-23.85%
ROE(5y)-26.03%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.59%
GM growth 5Y4.06%
F-Score4
Asset Turnover0.63
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.27 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 5.35 | ||
| Cap/Depr | 11.65% | ||
| Cap/Sales | 1.5% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.56 | ||
| Quick Ratio | 1.56 | ||
| Altman-Z | 0.26 |
F-Score4
WACC11.37%
ROIC/WACCN/A
Cap/Depr(3y)12.86%
Cap/Depr(5y)14.35%
Cap/Sales(3y)1.91%
Cap/Sales(5y)1.85%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)130.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%95.56%
EPS Next Y-325.59%
EPS Next 2Y-16.32%
EPS Next 3Y39.76%
EPS Next 5YN/A
Revenue 1Y (TTM)17.46%
Revenue growth 3Y-9.06%
Revenue growth 5Y8.17%
Sales Q2Q%-11.17%
Revenue Next Year8.86%
Revenue Next 2Y7.15%
Revenue Next 3Y8.65%
Revenue Next 5YN/A
EBIT growth 1Y97.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year388.87%
EBIT Next 3Y79.21%
EBIT Next 5YN/A
FCF growth 1Y-177.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-155.76%
OCF growth 3YN/A
OCF growth 5YN/A
GOHEALTH INC-CLASS A / GOCO FAQ
What is the ChartMill fundamental rating of GOHEALTH INC-CLASS A (GOCO) stock?
ChartMill assigns a fundamental rating of 3 / 10 to GOCO.
What is the valuation status for GOCO stock?
ChartMill assigns a valuation rating of 4 / 10 to GOHEALTH INC-CLASS A (GOCO). This can be considered as Fairly Valued.
What is the profitability of GOCO stock?
GOHEALTH INC-CLASS A (GOCO) has a profitability rating of 2 / 10.
Can you provide the financial health for GOCO stock?
The financial health rating of GOHEALTH INC-CLASS A (GOCO) is 3 / 10.
How sustainable is the dividend of GOHEALTH INC-CLASS A (GOCO) stock?
The dividend rating of GOHEALTH INC-CLASS A (GOCO) is 0 / 10 and the dividend payout ratio is 0%.