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GOHEALTH INC-CLASS A (GOCO) Stock Fundamental Analysis

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

7.0061  +1.47 (+26.46%)

Fundamental Rating

3

GOCO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 144 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.
GOCO had a negative operating cash flow in the past year.
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 (-0.13%) than 81.94% of its industry peers.
With a Return On Equity value of -0.62%, GOCO is not doing good in the industry: 81.94% of the companies in the same industry are doing better.
GOCO's Return On Invested Capital of 0.30% is on the low side compared to the rest of the industry. GOCO is outperformed by 67.36% 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

Looking at the Operating Margin, with a value of 0.52%, GOCO is doing worse than 84.03% of the companies in the same industry.
With an excellent Gross Margin value of 84.19%, GOCO belongs to the best of the industry, outperforming 97.92% of the companies in the same industry.
In the last couple of years the Gross Margin of GOCO has grown nicely.
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.
GOCO has more shares outstanding than it did 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

Based on the Altman-Z score of 0.28, we must say that GOCO is in the distress zone and has some risk of bankruptcy.
GOCO has a Altman-Z score of 0.28. This is in the better half of the industry: GOCO outperforms 70.83% 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.
Looking at the Debt to Equity ratio, with a value of 1.51, GOCO is doing worse than 90.28% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.51
Debt/FCF N/A
Altman-Z 0.28
ROIC/WACC0.03
WACC11.66%
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.
GOCO has a better Current ratio (1.12) than 81.25% of its industry peers.
A Quick Ratio of 1.12 indicates that GOCO should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.12, GOCO belongs to the top of the industry, outperforming 81.25% of the companies in the same industry.
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

The Earnings Per Share has grown by an impressive 92.02% over the past year.
Looking at the last year, GOCO shows a quite strong growth in Revenue. The Revenue has grown by 13.18% 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)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

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.
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.
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 10 -10 20 30 40

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, GOCO is valued a bit cheaper than the industry average as 78.47% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.39
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 (6/23/2025, 11:24:09 AM)

7.0061

+1.47 (+26.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-13 2025-05-13/bmo
Earnings (Next)08-06 2025-08-06/bmo
Inst Owners15.96%
Inst Owner Change6.3%
Ins Owners13.28%
Ins Owner Change5.21%
Market Cap166.32M
Analysts82
Price Target22.7 (224%)
Short Float %1.81%
Short Ratio1.59
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)30.88%
EPS NQ rev (1m)-10.84%
EPS NQ rev (3m)-34.04%
EPS NY rev (1m)0.05%
EPS NY rev (3m)29.66%
Revenue NQ rev (1m)-5.76%
Revenue NQ rev (3m)-8.87%
Revenue NY rev (1m)0.33%
Revenue NY rev (3m)2.19%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.2
P/FCF N/A
P/OCF N/A
P/B 0.56
P/tB 10.04
EV/EBITDA 5.39
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 0.28
F-Score3
WACC11.66%
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