GoHealth (GOCO) AI Stock Analysis

• Market Cap: $46.83M
• Dividend Yield: N/A
• Average Volume (3M): 42.98K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.96
• Revenue Growth: 7.56%
• EPS Growth: -344.04%
• Country: US
• Employees: 2,261
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): -11.80
• Shares Outstanding: 16,093,117
• 10 Day Avg. Volume: 36,645
• 30 Day Avg. Volume: 42,985
• PEG Ratio: 0.50
• Price to Book (P/B): 0.45
• Price to Sales (P/S): 0.17
• P/FCF Ratio: -3.78
• Enterprise Value/Market Cap: 13.53
• Enterprise Value/Revenue: 0.86
• Enterprise Value/Gross Profit: 1.03
• Enterprise Value/Ebitda: 4.35
• 1Y Price Target: $7.50
• Price Target Upside: 191.83% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): -20.53
• Revenue Forecast (FY): $440.67M

• Rating: 41 Neutral
• Price Target: $2.50 ▼(-2.72% Downside)

GoHealth's overall stock score is primarily impacted by its challenging financial performance and bearish technical indicators. The company's strategic shift and technology investments are positive, but financial and valuation concerns weigh heavily on the score.

Positive Factors

Strategic Shift to Retention

GoHealth's strategic shift towards retention and quality over quantity aligns with current market dynamics, potentially leading to more stable revenue streams and customer loyalty, enhancing long-term business sustainability.

Investment in Technology

Ongoing investments in technology, such as AI, enhance operational efficiency and customer service, positioning GoHealth to better meet market demands and improve competitive advantage over time.

Leadership in Special Needs Plans

By focusing on Special Needs Plans, GoHealth strengthens its market niche, aligning with health plans' priorities and potentially capturing a stable and growing segment of the insurance market.

Negative Factors

High Leverage

Significant leverage poses financial risks, limiting GoHealth's ability to invest in growth opportunities and increasing vulnerability to economic downturns, impacting long-term financial stability.

Declining Revenue

A sharp decline in revenue reflects challenges in maintaining sales volume, which could hinder GoHealth's ability to sustain operations and invest in strategic initiatives over the long term.

Cash Management Challenges

Limited cash reserves constrain GoHealth's operational flexibility and ability to respond to market changes, posing a risk to its ability to fund strategic investments and manage liquidity effectively.

GoHealth Business Overview & Revenue Model

Company Description

GoHealth (GOCO) is a leading health insurance marketplace that connects consumers with health insurance plans from various insurance carriers. The company operates primarily in the health insurance sector, offering a range of products including individual and family health plans, Medicare Advantage, Medicare Supplement, and ancillary health products. GoHealth's platform leverages technology to simplify the process of comparing and enrolling in health insurance, empowering users with the information they need to make informed choices about their healthcare coverage.

How the Company Makes Money

GoHealth generates revenue primarily through commissions earned from insurance carriers for each policy sold through its platform. The company acts as an intermediary, facilitating the connection between consumers seeking health insurance and various insurance providers. In addition to commissions, GoHealth may also receive service fees for providing additional services to carriers, such as marketing and customer support. Significant partnerships with multiple insurance providers enhance its offerings and broaden its marketplace, contributing to a diverse revenue stream. The company further benefits from the increasing demand for health insurance services, driven by regulatory changes and an aging population looking for Medicare options.

GoHealth Financial Statement Overview

Summary

GoHealth faces significant financial challenges, including declining revenue, negative profitability, high leverage, and cash flow management issues. The company needs to focus on revenue growth, cost control, and reducing its debt burden to improve financial stability.

Income Statement

GoHealth's income statement reveals a challenging financial position. The company has experienced a decline in revenue, with a negative revenue growth rate of -10.23% in the TTM period. Despite a strong gross profit margin of 85.07%, the net profit margin is negative at -3.21%, indicating profitability issues. The EBIT and EBITDA margins are also negative, reflecting operational inefficiencies. The company needs to address its declining revenue and improve cost management to enhance profitability.

Balance Sheet

The balance sheet shows a high debt-to-equity ratio of 3.39, indicating significant leverage and potential financial risk. The return on equity is negative at -10.09%, suggesting that the company is not generating sufficient returns on shareholders' equity. The equity ratio is relatively low, highlighting a reliance on debt financing. These factors suggest a need for improved financial stability and risk management.

Cash Flow

The cash flow statement indicates some positive trends, with a free cash flow growth rate of 30.80% in the TTM period. However, the operating cash flow to net income ratio is negative, reflecting challenges in converting earnings into cash. The free cash flow to net income ratio is positive at 1.26, suggesting that the company is generating cash flow relative to its net income, but overall cash flow management needs improvement.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	738.34M	798.89M	734.67M	631.67M	1.06B	877.35M
Gross Profit	615.56M	668.28M	575.71M	444.00M	823.08M	678.15M
EBITDA	145.69M	173.71M	24.10M	-211.55M	-393.21M	34.36M
Net Income	-347.09M	-2.93M	-63.26M	-148.71M	-189.36M	-44.27M
Balance Sheet
Total Assets	1.03B	1.49B	1.50B	1.66B	2.07B	2.11B
Cash, Cash Equivalents and Short-Term Investments	32.08M	40.92M	90.81M	16.46M	84.36M	144.23M
Total Debt	34.87M	527.97M	543.05M	557.42M	696.29M	400.57M
Total Liabilities	962.32M	1.03B	1.04B	1.07B	1.18B	709.64M
Stockholders Equity	68.17M	294.80M	280.32M	318.06M	353.10M	380.42M
Cash Flow
Free Cash Flow	-78.73M	-35.34M	95.41M	47.39M	-318.81M	-128.74M
Operating Cash Flow	-68.27M	-21.61M	109.14M	60.90M	-299.01M	-114.22M
Investing Cash Flow	-10.47M	3.81M	-13.73M	-13.51M	-19.80M	-14.52M
Financing Cash Flow	75.12M	-32.03M	-21.11M	-115.05M	259.09M	260.66M

GoHealth Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.57
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 2.57 is below the 20-day moving average (MA) of 3.00, below the 50-day MA of 3.89, and below the 200-day MA of 7.32, indicating a bearish trend. The MACD of -0.34 indicates Negative momentum. The RSI at 39.45 is Neutral, neither overbought nor oversold. The STOCH value of 90.36 is Negative, 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	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HUIZ	57 Neutral	$35.01M	13.92	4.56%	―	19.30%	-17.56%
EHTH	56 Neutral	$121.83M	106.74	5.88%	―	16.79%	―
SLQT	50 Neutral	$246.36M	―	15.11%	―	13.16%	―
RELI	43 Neutral	$6.47M	―	-146.43%	―	-6.84%	97.23%
TIRX	43 Neutral	$26.98M	-1.75	-11.18%	―	624.24%	85.46%
GOCO	41 Neutral	$46.83M	-0.18	-142.05%	―	7.56%	-344.04%

GoHealth Corporate Events

GoHealth, Inc. Reports Strategic Shift Amid Market Changes

GoHealth, Inc., a prominent health insurance marketplace and Medicare-focused digital health company, leverages advanced technology to simplify the process of matching consumers with suitable health plans.

GoHealth’s Strategic Shift: Earnings Call Insights

GoHealth Inc. recently held its earnings call, revealing a strategic pivot amid challenging health plan economics. The sentiment expressed during the call was one of cautious optimism, as the company focuses on retention, quality, and strategic flexibility. Despite facing hurdles such as reduced Medicare Advantage volume and tight cash management, GoHealth is investing in technology and positioning itself for industry consolidation.

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.

The most recent analyst rating on (GOCO) stock is a Hold with a $5.50 price target. To see the full list of analyst forecasts on GoHealth stock, see the GOCO Stock Forecast page.

GoHealth Inc.’s Liquidity Woes: Navigating Financial Risks Amid Covenant Pressures

Gohealth Inc. faces significant business risk due to its precarious liquidity position, which has previously raised doubts about its ability to continue as a going concern. Despite recent efforts to mitigate these concerns through the Superpriority Credit Agreement and Amendment No. 14, the company’s liquidity condition remains fragile. Any deterioration in liquidity or failure to meet financial covenants could lead to a default, potentially forcing lenders to accelerate debt repayment. This ongoing risk underscores the importance of closely monitoring Gohealth Inc.’s financial health and covenant compliance.