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GOHEALTH INC-CLASS A (GOCO) Stock Fundamental Analysis

NASDAQ:GOCO - US38046W2044 - Common Stock

5.67 USD
+0.28 (+5.19%)
Last: 8/22/2025, 2:28:57 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to GOCO. GOCO was compared to 141 industry peers in the Insurance industry. Both the profitability and financial health of GOCO have multiple concerns. 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 positive earnings in the past year.
In the past year GOCO has reported a negative cash flow from operations.
GOCO had negative earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: GOCO reported negative operating cash flow in multiple 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's Return On Assets of -0.13% is on the low side compared to the rest of the industry. GOCO is outperformed by 80.85% of its industry peers.
GOCO has a Return On Equity of -0.62%. This is amonst the worse of the industry: GOCO underperforms 80.85% of its industry peers.
GOCO has a Return On Invested Capital of 0.30%. This is in the lower half of the industry: GOCO underperforms 65.96% 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 worse Operating Margin (0.52%) than 82.98% of its industry peers.
The Gross Margin of GOCO (84.19%) is better than 97.87% 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.
GOCO has more shares outstanding than it did 1 year ago.
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.
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 0.28. This is a bad value and indicates that GOCO is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of GOCO (0.28) is better than 70.92% 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.
GOCO has a Debt to Equity ratio of 1.51. This is amonst the worse of the industry: GOCO underperforms 90.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.51
Debt/FCF N/A
Altman-Z 0.28
ROIC/WACC0.03
WACC11.56%
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.
Looking at the Current ratio, with a value of 1.12, GOCO belongs to the top of the industry, outperforming 80.14% of the companies in the same industry.
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 has a Quick ratio of 1.12. This is amongst the best in the industry. GOCO outperforms 80.14% 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 130.59%, which is quite impressive.
The Revenue has grown by 8.74% in the past year. This is quite good.
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)130.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%95.56%
Revenue 1Y (TTM)8.74%
Revenue growth 3Y-9.06%
Revenue growth 5Y8.17%
Sales Q2Q%-11.17%

3.2 Future

GOCO is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -22.93% yearly.
The Revenue is expected to grow by 11.38% on average over the next years. This is quite good.
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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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 2.82, the valuation of GOCO can be described as very cheap.
85.11% of the companies in the same industry are more expensive than GOCO, based on the Price/Earnings ratio.
GOCO is valuated cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
The Forward Price/Earnings Ratio is negative for GOCO. No positive earnings are expected for the next year.
Industry RankSector Rank
PE 2.82
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 75.89% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.36
GOCO Per share dataGOCO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

A cheap valuation may be justified as GOCO's earnings are expected to decrease with -22.93% in the coming years.
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

No dividends for GOCO!.
Industry RankSector Rank
Dividend Yield N/A

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GOHEALTH INC-CLASS A

NASDAQ:GOCO (8/22/2025, 2:28:57 PM)

5.67

+0.28 (+5.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-07 2025-08-07/bmo
Earnings (Next)11-05 2025-11-05/bmo
Inst Owners16%
Inst Owner Change-4.88%
Ins Owners13.28%
Ins Owner Change6.79%
Market Cap134.61M
Analysts82
Price Target22.7 (300.35%)
Short Float %2.57%
Short Ratio2.52
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 2.82
Fwd PE N/A
P/S 0.16
P/FCF N/A
P/OCF N/A
P/B 0.46
P/tB 8.13
EV/EBITDA 5.36
EPS(TTM)2.01
EY35.45%
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 0.28
F-Score3
WACC11.56%
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)130.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%95.56%
EPS Next Y-157.57%
EPS Next 2Y-22.93%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.74%
Revenue growth 3Y-9.06%
Revenue growth 5Y8.17%
Sales Q2Q%-11.17%
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 Year409.26%
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