GoHealth (GOCO) AI Stock Analysis

• Market Cap: $78.18M
• Dividend Yield: N/A
• Average Volume (3M): 50.39K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.83
• Revenue Growth: 17.46%
• EPS Growth: 60.17%
• Country: US
• Employees: 2,261
• Sector: Financial
• Sector Strength: 77
• Industry: Insurance - Brokers
• EPS (TTM): -5.10
• Shares Outstanding: 15,988,354
• 10 Day Avg. Volume: 50,149
• 30 Day Avg. Volume: 50,387
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 9.76
• Enterprise Value/Revenue: 0.93
• Enterprise Value/Gross Profit: 1.09
• Enterprise Value/Ebitda: 4.25
• 1Y Price Target: $12.50
• Price Target Upside: 159.88% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4

• Rating: 45 Neutral
• Price Target: $5.50 ▲(14.35% Upside)

GoHealth's overall stock score reflects significant financial challenges, including high leverage and liquidity issues, which weigh heavily on the score. While technical analysis and earnings call insights provide some positive signals, the negative valuation and financial performance are the most impactful factors.

Positive Factors

Market Position

GoHealth's solid unit economics and diversifying product mix suggest good potential given the company’s position as one of the largest Medicare distribution platforms.

Strategic Initiatives

Management announced several strategic capital and governance actions, including $80 million in new term loans.

Negative Factors

Operating Cash Flow

First-quarter operating cash flow was weaker than expected.

Revenue Performance

Second-quarter revenue declined 11%, to $94 million, below consensus of $110 million.

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's financial statements reflect significant challenges, including declining revenue growth, negative net profit margins, high leverage, and liquidity issues. Despite strong gross profit margins, strategic adjustments are necessary to improve financial health.

Income Statement

GoHealth's income statement reveals a challenging financial position. The company has experienced a decline in revenue growth, with a negative growth rate in the TTM period. Gross profit margins remain strong at over 85%, indicating efficient cost management. However, the net profit margin is negative, reflecting ongoing losses. The EBIT and EBITDA margins show slight improvement but remain concerning. Overall, the income statement suggests a need for strategic adjustments to return to profitability.

Balance Sheet

The balance sheet indicates high leverage, with a debt-to-equity ratio exceeding 3 in the TTM period, which poses a risk to financial stability. The return on equity is negative, highlighting the company's struggle to generate returns for shareholders. The equity ratio is not explicitly provided, but the high debt levels suggest limited equity relative to assets. The balance sheet reflects financial strain and potential solvency concerns.

Cash Flow

Cash flow analysis shows negative operating and free cash flows, indicating liquidity challenges. The free cash flow growth rate is negative, and the operating cash flow to net income ratio is unfavorable, suggesting inefficiencies in converting income to cash. The free cash flow to net income ratio is positive, but this is due to negative net income rather than strong cash generation. Overall, cash flow management requires significant improvement.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	822.44M	798.89M	734.67M	631.67M	1.06B	877.35M
Gross Profit	699.67M	668.28M	575.71M	444.00M	823.08M	678.15M
EBITDA	179.53M	173.71M	24.10M	-211.55M	4.61M	34.36M
Net Income	-26.40M	-2.93M	-63.26M	-148.71M	-189.36M	-44.27M
Balance Sheet
Total Assets	1.31B	1.49B	1.50B	1.66B	2.07B	2.11B
Cash, Cash Equivalents and Short-Term Investments	35.59M	40.92M	90.81M	16.46M	84.36M	144.23M
Total Debt	650.94M	527.97M	543.05M	557.42M	696.29M	400.57M
Total Liabilities	1.03B	1.03B	1.04B	1.07B	1.18B	709.64M
Stockholders Equity	191.78M	294.80M	231.01M	318.06M	353.10M	380.42M
Cash Flow
Free Cash Flow	-60.19M	-35.34M	95.41M	47.39M	-318.81M	-128.74M
Operating Cash Flow	-47.84M	-21.61M	109.14M	60.90M	-299.01M	-114.22M
Investing Cash Flow	5.19M	3.81M	-13.73M	-13.51M	-19.80M	-14.52M
Financing Cash Flow	64.03M	-32.03M	-21.11M	-115.05M	259.09M	260.66M

GoHealth Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 4.81
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 4.81 is below the 20-day moving average (MA) of 5.40, below the 50-day MA of 5.72, and below the 200-day MA of 10.22, indicating a bearish trend. The MACD of -0.26 indicates Positive momentum. The RSI at 35.05 is Neutral, neither overbought nor oversold. The STOCH value of 9.73 is Positive, 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 *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%
SLQT	61 Neutral	$366.37M	―	10.66%	―	15.50%	―
HUIZ	52 Neutral	$26.13M	11.44	-3.92%	―	0.48%	-127.19%
EHTH	48 Neutral	$120.70M	―	4.45%	―	16.19%	89.75%
GOCO	45 Neutral	$78.18M	―	-13.38%	―	17.46%	60.17%
TIRX	41 Neutral	$276.31M	―	-11.18%	―	624.24%	85.46%
RELI	38 Underperform	$3.76M	―	-223.86%	―	1.07%	96.67%

GoHealth Corporate Events

GoHealth Appoints New Directors to Board

On August 19, 2025, GoHealth, Inc. appointed Mark Weinsten and Bao Truong as new directors to its Board. Weinsten, a managing director at BRG Corporate Finance, will serve as a Class II director until 2028, receiving a monthly cash retainer. Truong, a senior managing director at Centerbridge Partners, will serve as a Class III director until 2026 and will not receive compensation due to his employment with Centerbridge. Both appointments are part of the Stockholders Agreement with Centerbridge. Concurrently, directors Jeremy W. Gelber and Abhiraj Modi resigned from the Board, with their departures not due to any disagreements with the company.

GoHealth Secures $115M Loan for Strategic Growth

On August 6, 2025, GoHealth, Inc. executed strategic capital and governance actions to enhance its financial flexibility and long-term positioning. The company secured a new $115 million superpriority term loan facility to support working capital and strategic flexibility, amended its existing credit agreement to waive near-term principal payments, and issued shares to lenders to align with long-term stockholder value creation. Additionally, three new directors were appointed to the board, reflecting GoHealth’s commitment to strategic growth and industry leadership. These actions are expected to strengthen GoHealth’s position in the Medicare market and provide the financial capacity to pursue transformative transactions.

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.

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.