GOHEALTH INC-CLASS A (GOCO) Stock Fundamental Analysis
USA - NASDAQ:GOCO - US38046W2044 - Common Stock
3.96 USD
-0.06 (-1.49%)
3.96 USD
0 (0%)
Taking everything into account, GOCO scores 3 out of 10 in our fundamental rating. GOCO was compared to 147 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.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of -2.30%, GOCO is doing worse than 88.44% of the companies in the same industry.
Looking at the Return On Equity, with a value of -12.24%, GOCO is doing worse than 88.44% of the companies in the same industry.
| 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 Gross Margin of 82.54%. This is amongst the best in the industry. GOCO outperforms 97.96% 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 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.
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.
The debt/assets ratio for GOCO has been reduced compared to a year ago.
2.2 Solvency
GOCO has an Altman-Z score of 0.27. This is a bad value and indicates that GOCO is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 0.27, GOCO is doing good in the industry, outperforming 68.71% of the companies in the same industry.
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 93.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.27 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.27 |
ROIC/WACCN/A
WACC11.48%
2.3 Liquidity
GOCO has a Current 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 Current ratio of 1.56. This is amongst the best in the industry. GOCO outperforms 88.44% of its industry peers.
A Quick Ratio of 1.56 indicates that GOCO should not have too much problems paying its short term obligations.
The Quick ratio of GOCO (1.56) is better than 88.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.56 | ||
| Quick Ratio | 1.56 |
3. Growth
3.1 Past
GOCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 130.59%, which is quite impressive.
Looking at the last year, GOCO shows a quite strong growth in Revenue. The Revenue has grown by 17.46% in the last year.
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
The Earnings Per Share is expected to grow by 39.76% on average over the next years. This is a very strong growth
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
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 1.97, the valuation of GOCO can be described as very cheap.
GOCO's Price/Earnings ratio is rather cheap when compared to the industry. GOCO is cheaper than 89.12% of the companies in the same industry.
GOCO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.10.
The Forward Price/Earnings Ratio is negative for GOCO. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.97 | ||
| Fwd PE | N/A |
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 71.43% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 6.11 |
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%
5. Dividend
5.1 Amount
GOCO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
3.96
-0.06 (-1.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners34.48%
Inst Owner Change0.02%
Ins Owners10.57%
Ins Owner Change1.58%
Market Cap113.30M
Revenue(TTM)822.44M
Net Income(TTM)-30191000
Analysts81.82
Price Target19.38 (389.39%)
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 | 1.97 | ||
| Fwd PE | N/A | ||
| P/S | 0.14 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.46 | ||
| P/tB | 2.56 | ||
| EV/EBITDA | 6.11 |
EPS(TTM)2.01
EY50.76%
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 | 0.27 |
F-Score4
WACC11.48%
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%.