GoHealth (GOCO) AI Stock Analysis

• Market Cap: $65.02M
• Dividend Yield: N/A
• Average Volume (3M): 67.55K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.68
• Revenue Growth: 13.18%
• EPS Growth: 97.01%
• Country: US
• Employees: 2,261
• Sector: Financial
• Sector Strength: 78
• Industry: Insurance - Brokers
• EPS (TTM): -0.52
• Shares Outstanding: 11,115,125
• 10 Day Avg. Volume: 96,189
• 30 Day Avg. Volume: 67,553
• PEG Ratio: <0.01
• Price to Book (P/B): 0.28
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 1.86
• Enterprise Value/Market Cap: 29.49
• Enterprise Value/Revenue: 0.63
• Enterprise Value/Gross Profit: 2.70
• Enterprise Value/Ebitda: 3.93
• 1Y Price Target: $21.50
• Price Target Upside: 267.52% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 48 Neutral
• Price Target: $6.00 ▲(2.56%Upside)

GoHealth's stock is primarily impacted by weak financial performance and technical analysis, reflecting ongoing profitability and cash flow issues with bearish market momentum. Despite positive developments from the earnings call and corporate leadership stability, the significant financial and market challenges result in a low overall score.

Positive Factors

Platform Potential

GoHealth's position as one of the largest Medicare distribution platforms offers good potential.

Product Diversification

Diversifying product mix should improve cash flow.

Revenue Growth

First-quarter revenue grew 19%, driven by submission growth.

Negative Factors

Cash Flow Concerns

First-quarter operating cash flow was weaker than expected.

Cost Management

Medicare unit profitability improved 13% year-over-year, driven by a better-than-expected 27% decline in costs per submission.

Operating Cash Flow

Full year 2024 operating cash flow was -$22 million, reflecting mix shift toward GoHealth’s independent agency model.

GoHealth Business Overview & Revenue Model

Company Description

GoHealth, Inc. (GOCO) is a leading health insurance marketplace and Medicare-focused digital health company. It specializes in connecting consumers with health insurance providers, offering a platform that simplifies the process of comparing and purchasing insurance plans. GoHealth's core services include providing consumers with access to Medicare Advantage, Medicare Supplement, and Prescription Drug Plans, as well as individual and family health insurance options.

How the Company Makes Money

GoHealth makes money primarily through commissions earned on the sale of health insurance policies. The company partners with a network of insurance carriers and receives a commission for each policy sold through its platform. Revenue is generated when consumers purchase insurance plans after being connected through GoHealth's marketplace. Additionally, GoHealth may earn recurring commissions for policies that are renewed. Key revenue streams include direct sales through its licensed agents and online sales via its digital platform. Significant partnerships with major insurance providers play a crucial role in expanding its product offerings and customer reach, thereby contributing to its revenue.

GoHealth Financial Statement Overview

Summary

GoHealth shows modest revenue growth of 4.43%, but struggles with profitability as indicated by negative net and EBIT margins. Despite a stable balance sheet with low leverage, the negative return on equity and cash flow inefficiencies pose significant challenges. Overall, financial performance requires improvement in profitability and cash management.

Income Statement

GoHealth has shown volatility in its income statement. The TTM data indicates slight revenue growth of 4.43% compared to the previous year. However, the company is struggling with profitability, as evidenced by negative net and EBIT margins. The net profit margin improved slightly but remains negative, while the EBIT margin turned positive, indicating some operational improvements. Despite these efforts, the company needs stronger revenue growth and profitability to significantly improve its financial health.

Balance Sheet

The balance sheet shows a moderate level of financial stability with a debt-to-equity ratio of 0.32, which is relatively low and indicates manageable leverage. The equity ratio stands at 17.48%, suggesting a reasonable level of equity financing. However, the company's return on equity is negative due to ongoing net losses, pointing to challenges in generating returns for investors. The reduced total assets over time also indicate potential risks in asset management.

Cash Flow

The cash flow statement reveals challenges in cash management, with negative operating cash flow and free cash flow, which have worsened in the TTM. The free cash flow growth rate is negative, and cash flow ratios indicate inefficiencies in converting income to cash. The company's ability to generate cash from operations is crucial for its financial sustainability and requires improvement to support long-term viability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	834.27M	798.89M	734.67M	631.67M	1.06B	877.35M
Gross Profit	711.49M	668.28M	575.71M	444.00M	823.08M	678.15M
EBITDA	160.41M	101.32M	24.10M	-211.55M	4.61M	34.36M
Net Income	-3.50M	-2.93M	-63.26M	-148.71M	-189.36M	-44.27M
Balance Sheet
Total Assets	1.38B	1.49B	1.50B	1.66B	2.07B	2.11B
Cash, Cash Equivalents and Short-Term Investments	22.15M	40.92M	90.81M	16.46M	84.36M	144.23M
Total Debt	77.20M	527.97M	543.05M	557.42M	696.29M	400.57M
Total Liabilities	1.14B	1.03B	1.04B	1.07B	1.18B	709.64M
Stockholders Equity	241.63M	294.80M	231.01M	318.06M	353.10M	380.42M
Cash Flow
Free Cash Flow	-67.80M	-35.34M	95.41M	47.39M	-318.81M	-128.74M
Operating Cash Flow	-55.58M	-21.61M	109.14M	60.90M	-299.01M	-114.22M
Investing Cash Flow	5.32M	3.81M	-13.73M	-13.51M	-19.80M	-14.52M
Financing Cash Flow	-25.23M	-32.03M	-21.11M	-115.05M	259.09M	260.66M

GoHealth Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 5.85
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GOCO, the sentiment is Neutral. The current price of 5.85 is above the 20-day moving average (MA) of 5.76, below the 50-day MA of 7.33, and below the 200-day MA of 11.33, indicating a neutral trend. The MACD of -0.42 indicates Negative momentum. The RSI at 43.90 is Neutral, neither overbought nor oversold. The STOCH value of 36.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GOCO.

GoHealth Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	67 Neutral	$16.66B	11.44	9.71%	3.91%	11.61%	-10.70%
RELI	65 Neutral	$6.63M	―	-238.61%	―	2.40%	94.65%
EHTH	59 Neutral	$126.77M	―	3.19%	―	17.04%	74.07%
SLQT	58 Neutral	$397.26M	―	0.82%	―	20.41%	93.09%
GOCO	48 Neutral	$65.02M	―	0.80%	―	13.18%	97.01%
HUIZ	47 Neutral	$20.79M	11.44	-3.92%	―	0.48%	-127.19%
TIRX	42 Neutral	$12.51M	―	-12.03%	―	158.74%	14.86%

GoHealth Corporate Events

GoHealth Elects Directors and Approves Key Proposals

On June 18, 2025, GoHealth, Inc. held its Annual Meeting of Stockholders where key proposals were voted upon. Brandon M. Cruz, Alan Wheatley, and Abhiraj R. Modi were elected as Class II directors, and proposals including the ratification of Ernst & Young LLP as the independent auditor, executive compensation, and an amendment to the 2020 Incentive Award Plan were approved. These decisions are expected to influence the company’s strategic direction and governance structure.

The most recent analyst rating on (GOCO) stock is a Hold with a $18.00 price target. To see the full list of analyst forecasts on GoHealth stock, see the GOCO Stock Forecast page.

GoHealth Extends CEO Vijay Kotte’s Contract and Compensation

On April 1, 2025, GoHealth, Inc. announced an amendment to the employment agreement with CEO Vijay Kotte, extending his contract for three years and adjusting his compensation package. The amendment includes a $1,000,000 annual salary and eligibility for significant equity grants, with a 2025 grant valued at $5,000,000. Additionally, a Letter Agreement was established, granting Mr. Kotte 500,000 restricted stock units and a $3,000,000 cash payment, contingent on continued employment and company performance goals. These changes aim to secure leadership stability and align executive incentives with company performance, potentially impacting GoHealth’s market positioning and stakeholder interests.