GoHealth (GOCO) AI Stock Analysis

• Market Cap: $58.04M
• Dividend Yield: N/A
• Average Volume (3M): 36.91K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.86
• Revenue Growth: 17.46%
• EPS Growth: 60.17%
• Country: US
• Employees: 2,261
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): N/A
• Shares Outstanding: 15,988,354
• 10 Day Avg. Volume: 35,122
• 30 Day Avg. Volume: 36,909
• 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: 13.14
• Enterprise Value/Revenue: 0.93
• Enterprise Value/Gross Profit: 1.09
• Enterprise Value/Ebitda: 4.25
• 1Y Price Target: $16.00
• Price Target Upside: 340.77% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 42 Neutral
• Price Target: $4.00 ▲(10.19% Upside)

GoHealth's overall stock score reflects significant financial challenges, with high leverage and liquidity issues being the most pressing concerns. While the earnings call highlighted strategic initiatives for financial flexibility and growth, the technical analysis and valuation metrics indicate bearish sentiment and poor investor appeal.

Positive Factors

Strategic Financial Flexibility

The new loan facility provides GoHealth with significant financial flexibility, extending credit maturity through 2029 and offering a debt basket for potential mergers and acquisitions, which supports strategic growth and market consolidation.

Product Diversification

The launch of GoHealth Protect enhances product diversification, aligning with customer needs and supporting revenue growth. This diversification helps mitigate risks associated with reliance on a single product line.

Governance Restructuring

The appointment of new directors and establishment of a Transformation Committee indicate a proactive approach to governance, focusing on strategic opportunities and financial capital structure, which can enhance long-term business stability.

Negative Factors

High Leverage

High leverage poses a risk to financial stability, as it can strain cash flow and limit the company's ability to invest in growth opportunities, potentially impacting long-term financial health.

Negative Cash Flow

Negative cash flow highlights inefficiencies in cash generation, which can hinder the company's ability to fund operations and growth initiatives, necessitating improvements in cash flow management for sustainable operations.

Intangible Asset Impairment

Intangible asset impairments can affect the company's balance sheet and indicate potential overvaluation of assets, which may lead to further financial adjustments and impact investor confidence.

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 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'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: 3.63
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• 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 3.63 is below the 20-day moving average (MA) of 4.31, below the 50-day MA of 4.61, and below the 200-day MA of 8.55, indicating a bearish trend. The MACD of -0.23 indicates Positive momentum. The RSI at 22.31 is Positive, neither overbought nor oversold. The STOCH value of 9.90 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	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SLQT	62 Neutral	$358.81M	―	10.66%	―	15.50%	―
HUIZ	61 Neutral	$38.54M	15.32	4.56%	―	19.30%	-17.56%
EHTH	58 Neutral	$150.65M	―	4.45%	―	16.19%	89.75%
TIRX	43 Neutral	$26.98M	-1.75	-11.18%	―	624.24%	85.46%
GOCO	42 Neutral	$58.04M	―	-13.38%	―	17.46%	60.17%
RELI	41 Neutral	$4.02M	-0.31	-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.

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.

GoHealth Inc’s Earnings Call Highlights Strategic Growth

During GoHealth Inc’s recent earnings call, the sentiment was largely positive, driven by strategic financial restructuring and governance changes. These developments are expected to propel the company towards future growth and merger and acquisition (M&A) opportunities, despite some noted challenges such as anticipated intangible asset impairment and revenue shifts. Overall, the company’s achievements in financial restructuring and strategic positioning were highlighted as outweighing the lowlights.

GoHealth Reports Q2 2025 Results and Strategic Actions

GoHealth, Inc. is a digital health company focused on providing a health insurance marketplace with a specialization in Medicare plans, utilizing advanced technology to simplify the enrollment process for consumers. In its recent earnings report, GoHealth announced strategic capital and governance actions aimed at enhancing financial flexibility and long-term positioning, alongside its financial results for the second quarter of 2025. Key highlights include securing a new term loan facility to support working capital, amending credit agreements to waive principal payments through 2026, and issuing new shares to align with long-term stockholder value. Additionally, GoHealth appointed new directors to its board to align with its strategic direction. Financially, the company reported a decline in net revenues and an increase in operating expenses, resulting in a significant net loss for the quarter. Despite these challenges, GoHealth’s management remains optimistic about its strategic positioning and financial flexibility, focusing on disciplined growth and transformative opportunities in the Medicare market.

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.