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GOHEALTH INC-CLASS A (GOCO) Stock Fundamental Analysis

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

2.91 USD
-0.09 (-3%)
Last: 12/1/2025, 8:19:29 PM
2.91 USD
0 (0%)
After Hours: 12/1/2025, 8:19:29 PM
Fundamental Rating

3

Overall GOCO gets a fundamental rating of 3 out of 10. We evaluated GOCO against 148 industry peers in the Insurance industry. GOCO may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, GOCO is valued expensive at the moment.


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

GOCO has a worse Return On Assets (-2.30%) than 89.86% of its industry peers.
GOCO has a Return On Equity of -12.24%. This is amonst the worse of the industry: GOCO underperforms 89.19% of its industry peers.
Industry RankSector 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
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

The Gross Margin of GOCO (82.54%) is better than 97.97% of its industry peers.
In the last couple of years the Gross Margin of GOCO has grown nicely.
GOCO does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector 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%
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.
GOCO has more shares outstanding than it did 1 year ago.
GOCO has more shares outstanding than it did 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

GOCO has an Altman-Z score of 0.25. This is a bad value and indicates that GOCO is not financially healthy and even has some risk of bankruptcy.
GOCO's Altman-Z score of 0.25 is fine compared to the rest of the industry. GOCO outperforms 66.89% 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.
Looking at the Debt to Equity ratio, with a value of 2.27, GOCO is doing worse than 93.92% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.27
Debt/FCF N/A
Altman-Z 0.25
ROIC/WACCN/A
WACC11.25%
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 1.56 indicates that GOCO should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.56, GOCO belongs to the top of the industry, outperforming 88.51% of the companies in the same industry.
GOCO has a Quick Ratio of 1.56. 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 Quick ratio of 1.56. This is amongst the best in the industry. GOCO outperforms 88.51% of its industry peers.
Industry RankSector Rank
Current Ratio 1.56
Quick Ratio 1.56
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 negative growth in Earnings Per Share. In the last year the EPS decreased by -192.86%.
The Revenue has grown by 8.74% 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)-192.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2665.22%
Revenue 1Y (TTM)8.74%
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 strong growth in Earnings Per Share. The EPS will grow by 39.76% on average per year.
GOCO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.65% yearly.
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.
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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1

4. Valuation

4.1 Price/Earnings Ratio

GOCO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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

GOCO's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GOCO is cheaper than 72.97% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.81
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 more expensive valuation may be justified as GOCO's earnings are expected to grow with 39.76% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-16.32%
EPS Next 3Y39.76%

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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 (12/1/2025, 8:19:29 PM)

After market: 2.91 0 (0%)

2.91

-0.09 (-3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13 2025-11-13/bmo
Earnings (Next)02-25 2026-02-25/amc
Inst Owners34.48%
Inst Owner Change46.95%
Ins Owners10.57%
Ins Owner Change1.49%
Market Cap83.55M
Revenue(TTM)798.89M
Net Income(TTM)-30.19M
Analysts82
Price Target16.12 (453.95%)
Short Float %2.58%
Short Ratio5.75
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)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)-16.84%
PT rev (3m)-25.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1%
EPS NY rev (1m)0%
EPS NY rev (3m)-27.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.48%
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 0.34
P/tB 1.89
EV/EBITDA 5.81
EPS(TTM)-10.25
EYN/A
EPS(NY)-1.47
Fwd EYN/A
FCF(TTM)-2.1
FCFYN/A
OCF(TTM)-1.67
OCFYN/A
SpS28.65
BVpS8.59
TBVpS1.54
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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 0.25
F-Score4
WACC11.25%
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-325.59%
EPS Next 2Y-16.32%
EPS Next 3Y39.76%
EPS Next 5YN/A
Revenue 1Y (TTM)8.74%
Revenue growth 3Y-9.06%
Revenue growth 5Y8.17%
Sales Q2Q%-71.1%
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 1 / 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.


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%.