GoHealth (GOCO) AI Stock Analysis

• Market Cap: $64.25M
• Dividend Yield: N/A
• Average Volume (3M): 57.39K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.72
• Revenue Growth: 13.18%
• EPS Growth: 97.01%
• Country: US
• Employees: 2,261
• Sector: Financial
• Sector Strength: 77
• Industry: Insurance - Brokers
• EPS (TTM): -0.52
• Shares Outstanding: 11,115,125
• 10 Day Avg. Volume: 24,736
• 30 Day Avg. Volume: 57,388
• PEG Ratio: -0.27
• Price to Book (P/B): 0.26
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.98
• Enterprise Value/Market Cap: 1.89
• Enterprise Value/Revenue: 0.04
• Enterprise Value/Gross Profit: 0.17
• Enterprise Value/Ebitda: 0.25
• 1Y Price Target: $21.50
• Price Target Upside: 271.97% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 46 Neutral
• Price Target: $5.50 ▼(-4.84%Downside)

GoHealth's overall score reflects ongoing financial challenges, particularly in profitability and cash flow, which heavily influence the stock's outlook. Despite positive strategic initiatives and corporate events, the technical analysis indicates bearish momentum, and valuation metrics highlight financial difficulties. The earnings call provided some optimism with revenue and EBITDA growth, but significant risks remain.

Positive Factors

Medicare Distribution Platform

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

Fourth-quarter revenue increased 41%, well above the 12% estimate.

Negative Factors

Cash Flow Challenges

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

Operating Cash Flow

First-quarter operating cash flow was weaker than expected.

GoHealth Business Overview & Revenue Model

Company Description

GoHealth, Inc. operates as a health insurance marketplace and Medicare focused digital health company in the United States. It operates through four segments: Medicare—Internal; Medicare—External; Individual and Family Plans (IFP) and Other—Internal; and IFP and Other—External. The company operates a technology platform that leverages machine-learning algorithms of insurance behavioral data to optimize the process for helping individuals find the health insurance plan for their specific needs. Its products include Medicare Advantage, Medicare Supplement, Medicare prescription drug plans, and Medicare Special Needs Plans; and IFP, dental plans, vision plans, and other ancillary plans to individuals. The company sells its products through carriers and online platform, as well as independent and external agencies. GoHealth, Inc. was founded in 2001 and is headquartered in Chicago, Illinois with additional offices in Charlotte, North Carolina, Lindon, Utah, Bratislava, Slovakia, and Kosice, Slovakia.

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 demonstrates slight revenue growth but struggles with profitability and cash flow. The TTM data shows a modest revenue increase of 4.43%, yet persistent negative net and EBIT margins. The balance sheet is stable with low leverage, but cash flow inefficiencies and negative return on equity present significant challenges.

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

GoHealth Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 5.78
• 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 Negative. The current price of 5.78 is below the 20-day moving average (MA) of 5.87, below the 50-day MA of 6.20, and below the 200-day MA of 11.11, indicating a bearish trend. The MACD of -0.10 indicates Negative momentum. The RSI at 44.28 is Neutral, neither overbought nor oversold. The STOCH value of 32.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GOCO.

GoHealth Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	67 Neutral	$16.88B	11.72	9.79%	3.73%	11.85%	-7.72%
SLQT	58 Neutral	$367.90M	―	0.82%	―	20.41%	93.09%
EHTH	57 Neutral	$112.21M	―	3.19%	―	17.04%	74.07%
HUIZ	53 Neutral	$28.25M	11.44	-3.92%	―	0.48%	-127.19%
RELI	51 Neutral	$4.49M	―	-238.61%	―	2.40%	94.65%
GOCO	46 Neutral	$64.25M	―	0.80%	―	13.18%	97.01%
TIRX	45 Neutral	$11.49M	―	-12.03%	―	158.74%	14.86%

GoHealth Corporate Events

GoHealth Extends Credit Facility Maturity to September 2025

On June 30, 2025, GoHealth, Inc.’s subsidiary Norvax, LLC entered into an amendment to its existing credit agreement, extending the maturity of its revolving credit facility to September 30, 2025. This amendment, which highlights broad-based support from stakeholders, is designed to provide financial flexibility, allowing the company to focus on strategic priorities and pursue a comprehensive financing plan to strengthen its financial foundation and position it for future growth.

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 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.