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GOHEALTH INC-CLASS A (GOCO) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:GOCO - US38046W2044 - Common Stock

2.4566 USD
+0.18 (+7.75%)
Last: 1/21/2026, 10:25:29 AM
Fundamental Rating

2

Taking everything into account, GOCO scores 2 out of 10 in our fundamental rating. GOCO was compared to 149 industry peers in the Insurance industry. GOCO may be in some trouble as it scores bad on both profitability and health. GOCO has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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

  • Looking at the Return On Assets, with a value of -19.69%, GOCO is doing worse than 95.30% of the companies in the same industry.
  • With a Return On Equity value of -163.55%, GOCO is not doing good in the industry: 93.96% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -19.69%
ROE -163.55%
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
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

  • Looking at the Gross Margin, with a value of 80.50%, GOCO belongs to the top of the industry, outperforming 97.99% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) N/A
GM 80.5%
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 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.
  • GOCO has a better debt/assets ratio than last year.
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 -0.12, we must say that GOCO is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of GOCO (-0.12) is better than 66.44% of its industry peers.
  • GOCO has a Debt/Equity ratio of 4.69. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 4.69, GOCO is doing worse than 93.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.69
Debt/FCF N/A
Altman-Z -0.12
ROIC/WACCN/A
WACC11.13%
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

  • GOCO has a Current Ratio of 1.64. This is a normal value and indicates that GOCO is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of GOCO (1.64) is better than 88.59% of its industry peers.
  • A Quick Ratio of 1.64 indicates that GOCO should not have too much problems paying its short term obligations.
  • The Quick ratio of GOCO (1.64) is better than 88.59% of its industry peers.
Industry RankSector Rank
Current Ratio 1.64
Quick Ratio 1.64
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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2

3. Growth

3.1 Past

  • GOCO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -192.86%.
  • Looking at the last year, GOCO shows a small growth in Revenue. The Revenue has grown by 7.56% in the last year.
  • Measured over the past years, GOCO shows a quite strong growth in Revenue. The Revenue has been growing by 8.17% on average per year.
EPS 1Y (TTM)-192.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2665.22%
Revenue 1Y (TTM)7.56%
Revenue growth 3Y-9.06%
Revenue growth 5Y8.17%
Sales Q2Q%-71.1%

3.2 Future

  • Based on estimates for the next years, GOCO will show a very negative growth in Earnings Per Share. The EPS will decrease by -47.03% on average per year.
  • The Revenue is expected to decrease by -5.41% on average over the next years.
EPS Next Y-1650.14%
EPS Next 2Y-120.17%
EPS Next 3Y-47.03%
EPS Next 5YN/A
Revenue Next Year-40.2%
Revenue Next 2Y-33.27%
Revenue Next 3Y-5.41%
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.
GOCO Yearly Revenue VS EstimatesGOCO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
GOCO Yearly EPS VS EstimatesGOCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0 10 -10 20

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0

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
GOCO Price Earnings VS Forward Price EarningsGOCO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60 80

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as GOCO.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.25
GOCO Per share dataGOCO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20

4.3 Compensation for Growth

  • A cheap valuation may be justified as GOCO's earnings are expected to decrease with -47.03% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-120.17%
EPS Next 3Y-47.03%

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0

5. Dividend

5.1 Amount

  • No dividends for GOCO!.
Industry RankSector Rank
Dividend Yield 0%

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GOHEALTH INC-CLASS A

NASDAQ:GOCO (1/21/2026, 10:25:29 AM)

2.4566

+0.18 (+7.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13
Earnings (Next)02-25
Inst Owners34.46%
Inst Owner Change0%
Ins Owners10.42%
Ins Owner Change1.49%
Market Cap70.53M
Revenue(TTM)738.34M
Net Income(TTM)-202.88M
Analysts78
Price Target11.12 (352.66%)
Short Float %4.55%
Short Ratio7.59
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-188.35%
Min EPS beat(2)-472.14%
Max EPS beat(2)95.44%
EPS beat(4)2
Avg EPS beat(4)-91.38%
Min EPS beat(4)-472.14%
Max EPS beat(4)95.44%
EPS beat(8)3
Avg EPS beat(8)-46.66%
EPS beat(12)5
Avg EPS beat(12)-78.63%
EPS beat(16)8
Avg EPS beat(16)19.49%
Revenue beat(2)0
Avg Revenue beat(2)-43.47%
Min Revenue beat(2)-67.47%
Max Revenue beat(2)-19.48%
Revenue beat(4)1
Avg Revenue beat(4)-17.75%
Min Revenue beat(4)-67.47%
Max Revenue beat(4)17.54%
Revenue beat(8)3
Avg Revenue beat(8)-14.1%
Revenue beat(12)4
Avg Revenue beat(12)-15.23%
Revenue beat(16)6
Avg Revenue beat(16)-7.98%
PT rev (1m)0%
PT rev (3m)-42.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-159.2%
EPS NY rev (1m)0%
EPS NY rev (3m)-311.23%
Revenue NQ rev (1m)-40.37%
Revenue NQ rev (3m)-76.43%
Revenue NY rev (1m)-14.65%
Revenue NY rev (3m)-45.07%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.1
P/FCF N/A
P/OCF N/A
P/B 0.57
P/tB 0.57
EV/EBITDA 9.25
EPS(TTM)-10.25
EYN/A
EPS(NY)-5.28
Fwd EYN/A
FCF(TTM)-2.74
FCFYN/A
OCF(TTM)-2.38
OCFYN/A
SpS25.72
BVpS4.32
TBVpS4.32
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -19.69%
ROE -163.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 80.5%
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-Score3
Asset Turnover0.72
Health
Industry RankSector Rank
Debt/Equity 4.69
Debt/FCF N/A
Debt/EBITDA 8.75
Cap/Depr 9.82%
Cap/Sales 1.42%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.64
Quick Ratio 1.64
Altman-Z -0.12
F-Score3
WACC11.13%
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)-192.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2665.22%
EPS Next Y-1650.14%
EPS Next 2Y-120.17%
EPS Next 3Y-47.03%
EPS Next 5YN/A
Revenue 1Y (TTM)7.56%
Revenue growth 3Y-9.06%
Revenue growth 5Y8.17%
Sales Q2Q%-71.1%
Revenue Next Year-40.2%
Revenue Next 2Y-33.27%
Revenue Next 3Y-5.41%
Revenue Next 5YN/A
EBIT growth 1Y35.58%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year19.43%
EBIT Next 3Y53.01%
EBIT Next 5YN/A
FCF growth 1Y-519.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-2033.41%
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 2 / 10 to GOCO.


Can you provide the valuation status for GOHEALTH INC-CLASS A?

ChartMill assigns a valuation rating of 0 / 10 to GOHEALTH INC-CLASS A (GOCO). This can be considered as Overvalued.


What is the profitability of GOCO stock?

GOHEALTH INC-CLASS A (GOCO) has a profitability rating of 2 / 10.


How financially healthy is GOHEALTH INC-CLASS A?

The financial health rating of GOHEALTH INC-CLASS A (GOCO) is 3 / 10.