GoHealth (GOCO) AI Stock Analysis

• Market Cap: $138.39M
• Dividend Yield: N/A
• Average Volume (3M): 41.11K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.77
• Revenue Growth: 17.46%
• EPS Growth: 60.17%
• Country: US
• Employees: 2,261
• Sector: Financial
• Sector Strength: 71
• Industry: Insurance - Brokers
• EPS (TTM): -5.10
• Shares Outstanding: 11,115,125
• 10 Day Avg. Volume: 65,261
• 30 Day Avg. Volume: 41,113
• 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: 5.51
• Enterprise Value/Revenue: 0.93
• Enterprise Value/Gross Profit: 1.09
• Enterprise Value/Ebitda: 4.25
• 1Y Price Target: $14.67
• Price Target Upside: 144.09% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4

• Rating: 49 Neutral
• Price Target: $6.00 ▼(-0.17% Downside)

GoHealth's overall stock score reflects significant financial challenges, including high leverage and negative cash flows. While strategic initiatives from the earnings call provide some optimism, the technical indicators and valuation remain weak. The company's financial restructuring efforts are a positive step, but substantial risks persist.

Positive Factors

Cost Efficiency

Improved call handling times and conversion rates offset cost declines.

Product Diversification

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 Actions

Management announced several strategic capital and governance actions, including $80 million in new term loans, extending all debt maturities through 2029 and providing operational flexibility.

Negative Factors

Revenue Decline

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

Weaker 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's financial performance shows modest revenue growth but struggles with profitability and cash flow management. The balance sheet is stable with low leverage, yet negative return on equity and cash flow inefficiencies highlight ongoing financial 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	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: 6.01
• 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 6.01 is above the 20-day moving average (MA) of 5.89, above the 50-day MA of 5.87, and below the 200-day MA of 10.73, indicating a bearish trend. The MACD of -0.05 indicates Negative momentum. The RSI at 48.14 is Neutral, neither overbought nor oversold. The STOCH value of 35.99 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 *	62 Neutral	C$15.64B	6.67	13.72%	5.97%	22.38%	-10.22%
SLQT	58 Neutral	$343.72M	―	0.82%	―	20.41%	93.09%
HUIZ	51 Neutral	$24.72M	11.44	-3.92%	―	0.48%	-127.19%
GOCO	49 Neutral	$138.39M	―	-13.38%	―	17.46%	60.17%
EHTH	47 Neutral	$105.73M	―	4.45%	―	16.19%	89.75%
RELI	45 Neutral	$4.48M	―	-223.86%	―	1.07%	96.67%
TIRX	41 Neutral	$107.18M	―	-12.03%	―	158.74%	14.86%

GoHealth Corporate Events

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.

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 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.