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GOHEALTH INC-CLASS A (GOCO) Stock Fundamental Analysis

NASDAQ:GOCO - Nasdaq - US38046W2044 - Common Stock - Currency: USD

17.94  -0.32 (-1.75%)

After market: 17.94 0 (0%)

Fundamental Rating

3

Taking everything into account, GOCO scores 3 out of 10 in our fundamental rating. GOCO was compared to 144 industry peers in the Insurance industry. Both the profitability and financial health of GOCO have multiple concerns. GOCO is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year GOCO has reported negative net income.
GOCO had a positive operating cash flow in the past year.
In the past 5 years GOCO always reported negative net income.
The reported operating cash flow has been mixed in the past 5 years: GOCO reported negative operating cash flow in multiple years.
GOCO Yearly Net Income VS EBIT VS OCF VS FCFGOCO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 0 100M -100M -200M -300M

1.2 Ratios

GOCO has a Return On Assets of -2.41%. This is amonst the worse of the industry: GOCO underperforms 89.44% of its industry peers.
GOCO has a Return On Equity of -12.26%. This is amonst the worse of the industry: GOCO underperforms 87.32% of its industry peers.
Industry RankSector Rank
ROA -2.41%
ROE -12.26%
ROIC N/A
ROA(3y)-7.44%
ROA(5y)-5.16%
ROE(3y)-40.98%
ROE(5y)-26.53%
ROIC(3y)N/A
ROIC(5y)N/A
GOCO Yearly ROA, ROE, ROICGOCO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 0 20 -20 40 -40

1.3 Margins

With an excellent Gross Margin value of 82.60%, GOCO belongs to the best of the industry, outperforming 97.18% of the companies in the same industry.
In the last couple of years the Gross Margin of GOCO has grown nicely.
The Profit Margin and Operating Margin are not available for GOCO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 82.6%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.46%
GM growth 5Y3.87%
GOCO Yearly Profit, Operating, Gross MarginsGOCO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 0 20 -20 40 -40 60

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3

2. Health

2.1 Basic Checks

GOCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for GOCO has been increased compared to 1 year ago.
Compared to 5 years ago, GOCO has more shares outstanding
GOCO has a worse debt/assets ratio than last year.
GOCO Yearly Shares OutstandingGOCO Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M
GOCO Yearly Total Debt VS Total AssetsGOCO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

2.2 Solvency

GOCO has an Altman-Z score of 0.17. This is a bad value and indicates that GOCO is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of GOCO (0.17) is better than 71.83% of its industry peers.
GOCO has a debt to FCF ratio of 26.76. This is a negative value and a sign of low solvency as GOCO would need 26.76 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 26.76, GOCO is doing worse than 73.24% of the companies in the same industry.
A Debt/Equity ratio of 1.58 is on the high side and indicates that GOCO has dependencies on debt financing.
GOCO has a worse Debt to Equity ratio (1.58) than 92.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.58
Debt/FCF 26.76
Altman-Z 0.17
ROIC/WACCN/A
WACC9.69%
GOCO Yearly LT Debt VS Equity VS FCFGOCO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 0 200M -200M 400M 600M 800M

2.3 Liquidity

A Current Ratio of 1.18 indicates that GOCO should not have too much problems paying its short term obligations.
The Current ratio of GOCO (1.18) is better than 82.39% of its industry peers.
GOCO has a Quick Ratio of 1.18. This is a normal value and indicates that GOCO is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.18, GOCO belongs to the top of the industry, outperforming 82.39% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.18
Quick Ratio 1.18
GOCO Yearly Current Assets VS Current LiabilitesGOCO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 75.00% over the past year.
GOCO shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.16%.
GOCO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.57% yearly.
EPS 1Y (TTM)75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%117.62%
Revenue 1Y (TTM)30.16%
Revenue growth 3Y-5.75%
Revenue growth 5Y26.57%
Sales Q2Q%-10.41%

3.2 Future

The Earnings Per Share is expected to grow by 9.98% on average over the next years. This is quite good.
Based on estimates for the next years, GOCO will show a small growth in Revenue. The Revenue will grow by 0.31% on average per year.
EPS Next Y81.49%
EPS Next 2Y20.3%
EPS Next 3Y9.98%
EPS Next 5YN/A
Revenue Next Year-10.65%
Revenue Next 2Y-2.18%
Revenue Next 3Y0.31%
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
GOCO Yearly Revenue VS EstimatesGOCO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
GOCO Yearly EPS VS EstimatesGOCO Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 10 -10 20

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for GOCO. In the last year negative earnings were reported.
Also next year GOCO is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
GOCO Price Earnings VS Forward Price EarningsGOCO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

GOCO's Enterprise Value to EBITDA ratio is in line with the industry average.
GOCO's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GOCO is more expensive than 64.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 22.85
EV/EBITDA 19.67
GOCO Per share dataGOCO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y20.3%
EPS Next 3Y9.98%

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0

5. Dividend

5.1 Amount

No dividends for GOCO!.
Industry RankSector Rank
Dividend Yield N/A

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GOHEALTH INC-CLASS A

NASDAQ:GOCO (2/21/2025, 8:24:13 PM)

After market: 17.94 0 (0%)

17.94

-0.32 (-1.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-07 2024-11-07/bmo
Earnings (Next)02-27 2025-02-27/bmo
Inst Owners13.65%
Inst Owner Change-95.62%
Ins Owners9.46%
Ins Owner Change1.15%
Market Cap411.01M
Analysts82.22
Price Target15.81 (-11.87%)
Short Float %2.68%
Short Ratio2.01
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.16
Dividend Growth(5Y)N/A
DP-2.67%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)53.56%
Min EPS beat(2)-7.02%
Max EPS beat(2)114.14%
EPS beat(4)1
Avg EPS beat(4)-1.94%
Min EPS beat(4)-107.91%
Max EPS beat(4)114.14%
EPS beat(8)3
Avg EPS beat(8)-72.25%
EPS beat(12)6
Avg EPS beat(12)56.44%
EPS beat(16)6
Avg EPS beat(16)20.15%
Revenue beat(2)1
Avg Revenue beat(2)-8.66%
Min Revenue beat(2)-26.8%
Max Revenue beat(2)9.48%
Revenue beat(4)2
Avg Revenue beat(4)-10.44%
Min Revenue beat(4)-26.8%
Max Revenue beat(4)9.48%
Revenue beat(8)3
Avg Revenue beat(8)-13.97%
Revenue beat(12)5
Avg Revenue beat(12)-4.73%
Revenue beat(16)9
Avg Revenue beat(16)-1.74%
PT rev (1m)-12.26%
PT rev (3m)-12.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-22.27%
EPS NY rev (1m)54.83%
EPS NY rev (3m)75.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.81%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.6
P/FCF 22.85
P/OCF 11.7
P/B 1.56
P/tB N/A
EV/EBITDA 19.67
EPS(TTM)-3.5
EYN/A
EPS(NY)-3.99
Fwd EYN/A
FCF(TTM)0.79
FCFY4.38%
OCF(TTM)1.53
OCFY8.55%
SpS29.96
BVpS11.53
TBVpS-2.7
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.41%
ROE -12.26%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 82.6%
FCFM 2.62%
ROA(3y)-7.44%
ROA(5y)-5.16%
ROE(3y)-40.98%
ROE(5y)-26.53%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.46%
GM growth 5Y3.87%
F-Score7
Asset Turnover0.51
Health
Industry RankSector Rank
Debt/Equity 1.58
Debt/FCF 26.76
Debt/EBITDA 9.56
Cap/Depr 16.2%
Cap/Sales 2.5%
Interest Coverage N/A
Cash Conversion 80.65%
Profit Quality N/A
Current Ratio 1.18
Quick Ratio 1.18
Altman-Z 0.17
F-Score7
WACC9.69%
ROIC/WACCN/A
Cap/Depr(3y)14.68%
Cap/Depr(5y)16.61%
Cap/Sales(3y)1.96%
Cap/Sales(5y)1.8%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%117.62%
EPS Next Y81.49%
EPS Next 2Y20.3%
EPS Next 3Y9.98%
EPS Next 5YN/A
Revenue 1Y (TTM)30.16%
Revenue growth 3Y-5.75%
Revenue growth 5Y26.57%
Sales Q2Q%-10.41%
Revenue Next Year-10.65%
Revenue Next 2Y-2.18%
Revenue Next 3Y0.31%
Revenue Next 5YN/A
EBIT growth 1Y72.56%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year583.64%
EBIT Next 3Y105.04%
EBIT Next 5YN/A
FCF growth 1Y113.1%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y128.17%
OCF growth 3YN/A
OCF growth 5Y82.17%