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GOHEALTH INC-CLASS A (GOCO) Stock Fundamental Analysis

NASDAQ:GOCO - Nasdaq - US38046W2044 - Common Stock - Currency: USD

5.56  -0.57 (-9.3%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to GOCO. GOCO was compared to 143 industry peers in the Insurance industry. GOCO may be in some trouble as it scores bad on both profitability and health. GOCO is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

GOCO had negative earnings in the past year.
In the past year GOCO has reported a negative cash flow from operations.
In the past 5 years GOCO always reported negative net income.
In multiple years GOCO reported negative operating cash flow during the last 5 years.
GOCO Yearly Net Income VS EBIT VS OCF VS FCFGOCO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M -300M

1.2 Ratios

With a Return On Assets value of -0.13%, GOCO is not doing good in the industry: 81.12% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -0.62%, GOCO is doing worse than 81.12% of the companies in the same industry.
The Return On Invested Capital of GOCO (0.30%) is worse than 68.53% of its industry peers.
Industry RankSector Rank
ROA -0.13%
ROE -0.62%
ROIC 0.3%
ROA(3y)-4.54%
ROA(5y)-4.73%
ROE(3y)-23.85%
ROE(5y)-26.03%
ROIC(3y)N/A
ROIC(5y)N/A
GOCO Yearly ROA, ROE, ROICGOCO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

1.3 Margins

GOCO has a Operating Margin of 0.52%. This is amonst the worse of the industry: GOCO underperforms 83.22% of its industry peers.
GOCO has a Gross Margin of 84.19%. This is amongst the best in the industry. GOCO outperforms 97.90% of its industry peers.
GOCO's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 0.52%
PM (TTM) N/A
GM 84.19%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.59%
GM growth 5Y4.06%
GOCO Yearly Profit, Operating, Gross MarginsGOCO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

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3

2. Health

2.1 Basic Checks

GOCO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, GOCO has more shares outstanding
The number of shares outstanding for GOCO has been increased compared to 5 years ago.
Compared to 1 year ago, GOCO has an improved debt to assets ratio.
GOCO Yearly Shares OutstandingGOCO Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
GOCO Yearly Total Debt VS Total AssetsGOCO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

Based on the Altman-Z score of 0.29, we must say that GOCO is in the distress zone and has some risk of bankruptcy.
GOCO has a Altman-Z score of 0.29. This is in the better half of the industry: GOCO outperforms 70.63% 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.
The Debt to Equity ratio of GOCO (1.51) is worse than 89.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.51
Debt/FCF N/A
Altman-Z 0.29
ROIC/WACC0.03
WACC10.71%
GOCO Yearly LT Debt VS Equity VS FCFGOCO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M 800M

2.3 Liquidity

A Current Ratio of 1.12 indicates that GOCO should not have too much problems paying its short term obligations.
The Current ratio of GOCO (1.12) is better than 81.12% of its industry peers.
GOCO has a Quick Ratio of 1.12. This is a normal value and indicates that GOCO is financially healthy and should not expect problems in meeting its short term obligations.
GOCO's Quick ratio of 1.12 is amongst the best of the industry. GOCO outperforms 81.12% of its industry peers.
Industry RankSector Rank
Current Ratio 1.12
Quick Ratio 1.12
GOCO Yearly Current Assets VS Current LiabilitesGOCO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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5

3. Growth

3.1 Past

GOCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 92.02%, which is quite impressive.
GOCO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.18%.
GOCO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.17% yearly.
EPS 1Y (TTM)92.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%50%
Revenue 1Y (TTM)13.18%
Revenue growth 3Y-9.06%
Revenue growth 5Y8.17%
Sales Q2Q%19.06%

3.2 Future

The Earnings Per Share is expected to decrease by -22.93% on average over the next years. This is quite bad
GOCO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.38% yearly.
EPS Next Y-157.57%
EPS Next 2Y-22.93%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.73%
Revenue Next 2Y11.38%
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 accelerating.
GOCO Yearly Revenue VS EstimatesGOCO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
GOCO Yearly EPS VS EstimatesGOCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 0 10 -10 20

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for GOCO. In the last year negative earnings were reported.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for GOCO. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
GOCO Price Earnings VS Forward Price EarningsGOCO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GOCO indicates a somewhat cheap valuation: GOCO is cheaper than 76.92% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.51
GOCO Per share dataGOCO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

GOCO's earnings are expected to decrease with -22.93% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-22.93%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

GOCO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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GOHEALTH INC-CLASS A

NASDAQ:GOCO (8/1/2025, 8:00:00 PM)

5.56

-0.57 (-9.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-13 2025-05-13/bmo
Earnings (Next)08-07 2025-08-07/bmo
Inst Owners15.96%
Inst Owner Change-0.02%
Ins Owners13.28%
Ins Owner Change5.21%
Market Cap131.99M
Analysts82
Price Target22.7 (308.27%)
Short Float %2.63%
Short Ratio2.54
Dividend
Industry RankSector 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)5.58%
Min EPS beat(2)-73.4%
Max EPS beat(2)84.56%
EPS beat(4)2
Avg EPS beat(4)29.57%
Min EPS beat(4)-73.4%
Max EPS beat(4)114.14%
EPS beat(8)3
Avg EPS beat(8)0.66%
EPS beat(12)6
Avg EPS beat(12)-42.28%
EPS beat(16)7
Avg EPS beat(16)27.84%
Revenue beat(2)1
Avg Revenue beat(2)7.97%
Min Revenue beat(2)-1.6%
Max Revenue beat(2)17.54%
Revenue beat(4)2
Avg Revenue beat(4)-0.34%
Min Revenue beat(4)-26.8%
Max Revenue beat(4)17.54%
Revenue beat(8)4
Avg Revenue beat(8)-1.49%
Revenue beat(12)5
Avg Revenue beat(12)-7.29%
Revenue beat(16)8
Avg Revenue beat(16)-1.64%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-53.36%
EPS NY rev (1m)0%
EPS NY rev (3m)-12.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.15%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.16
P/FCF N/A
P/OCF N/A
P/B 0.45
P/tB 7.97
EV/EBITDA 5.51
EPS(TTM)-0.57
EYN/A
EPS(NY)-1.65
Fwd EYN/A
FCF(TTM)-2.47
FCFYN/A
OCF(TTM)-1.96
OCFYN/A
SpS35.14
BVpS12.45
TBVpS0.7
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.13%
ROE -0.62%
ROCE 0.38%
ROIC 0.3%
ROICexc 0.31%
ROICexgc 0.41%
OM 0.52%
PM (TTM) N/A
GM 84.19%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score3
Asset Turnover0.6
Health
Industry RankSector Rank
Debt/Equity 1.51
Debt/FCF N/A
Debt/EBITDA 4.04
Cap/Depr 11.52%
Cap/Sales 1.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.12
Quick Ratio 1.12
Altman-Z 0.29
F-Score3
WACC10.71%
ROIC/WACC0.03
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)92.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%50%
EPS Next Y-157.57%
EPS Next 2Y-22.93%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.18%
Revenue growth 3Y-9.06%
Revenue growth 5Y8.17%
Sales Q2Q%19.06%
Revenue Next Year15.73%
Revenue Next 2Y11.38%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y106.49%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year419.72%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-441.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-272.95%
OCF growth 3YN/A
OCF growth 5YN/A