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GOCO vs EHTH
Revenue, margins, valuation, and 5-year total return — side by side.
Insurance - Brokers
GOCO vs EHTH — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Insurance - Brokers | Insurance - Brokers |
| Market Cap | $13M | $58M |
| Revenue (TTM) | $738M | $529M |
| Net Income (TTM) | $-199M | $20M |
| Gross Margin | 82.6% | 82.8% |
| Operating Margin | -40.7% | 11.1% |
| Total Debt | $528M | $134M |
| Cash & Equiv. | $41M | $74M |
GOCO vs EHTH — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jul 20 | May 26 | Return |
|---|---|---|---|
| GoHealth, Inc. (GOCO) | 100 | 0.4 | -99.6% |
| eHealth, Inc. (EHTH) | 100 | 2.7 | -97.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: GOCO vs EHTH
Each card shows where this stock fits in a portfolio — not just who wins on paper.
GOCO is the clearest fit if your priority is growth exposure.
- Rev growth 8.7%, EPS growth 90.8%, 3Y rev CAGR -9.1%
- 8.7% revenue growth vs EHTH's 4.1%
- Better valuation composite
EHTH carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 3 yrs, beta 1.99, yield 10.4%
- -85.2% 10Y total return vs GOCO's -99.7%
- Lower volatility, beta 1.99, Low D/E 13.8%, current ratio 3.37x
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 8.7% revenue growth vs EHTH's 4.1% | |
| Value | Better valuation composite | |
| Quality / Margins | Combined ratio 0.9 vs GOCO's 1.0 (lower = better underwriting) | |
| Stability / Safety | Beta 1.99 vs GOCO's 2.23, lower leverage | |
| Dividends | 10.4% yield; 3-year raise streak; the other pay no meaningful dividend | |
| Momentum (1Y) | -67.7% vs GOCO's -88.3% | |
| Efficiency (ROA) | 1.7% ROA vs GOCO's -15.3%, ROIC 6.1% vs -0.6% |
GOCO vs EHTH — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
GOCO vs EHTH — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
EHTH leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
GOCO and EHTH operate at a comparable scale, with $738M and $529M in trailing revenue. EHTH is the more profitable business, keeping 3.8% of every revenue dollar as net income compared to GOCO's -27.0%. On growth, EHTH holds the edge at -22.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $738M | $529M |
| EBITDAEarnings before interest/tax | -$194M | $69M |
| Net IncomeAfter-tax profit | -$199M | $20M |
| Free Cash FlowCash after capex | -$78M | -$76M |
| Gross MarginGross profit ÷ Revenue | +82.6% | +82.8% |
| Operating MarginEBIT ÷ Revenue | -40.7% | +11.1% |
| Net MarginNet income ÷ Revenue | -27.0% | +3.8% |
| FCF MarginFCF ÷ Revenue | -10.6% | -14.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | -71.1% | -22.2% |
| EPS Growth (YoY)Latest quarter vs prior year | -30.4% | +100.0% |
Valuation Metrics
Evenly matched — GOCO and EHTH each lead in 2 of 4 comparable metrics.
Valuation Metrics
On an enterprise value basis, EHTH's 1.4x EV/EBITDA is more attractive than GOCO's 5.1x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $13M | $58M |
| Enterprise ValueMkt cap + debt − cash | $500M | $118M |
| Trailing P/EPrice ÷ TTM EPS | -1.50x | -5.47x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 5.05x | 1.44x |
| Price / SalesMarket cap ÷ Revenue | 0.02x | 0.10x |
| Price / BookPrice ÷ Book value/share | 0.02x | 0.06x |
| Price / FCFMarket cap ÷ FCF | — | — |
Profitability & Efficiency
EHTH leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
EHTH delivers a 2.4% return on equity — every $100 of shareholder capital generates $2 in annual profit, vs $-64 for GOCO. EHTH carries lower financial leverage with a 0.14x debt-to-equity ratio, signaling a more conservative balance sheet compared to GOCO's 1.15x. On the Piotroski fundamental quality scale (0–9), GOCO scores 4/9 vs EHTH's 2/9, reflecting mixed financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | -64.4% | +2.4% |
| ROA (TTM)Return on assets | -15.3% | +1.7% |
| ROICReturn on invested capital | -0.6% | +6.1% |
| ROCEReturn on capital employed | -0.6% | +6.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 2 |
| Debt / EquityFinancial leverage | 1.15x | 0.14x |
| Net DebtTotal debt minus cash | $487M | $61M |
| Cash & Equiv.Liquid assets | $41M | $74M |
| Total DebtShort + long-term debt | $528M | $134M |
| Interest CoverageEBIT ÷ Interest expense | -4.03x | 15.48x |
Total Returns (Dividends Reinvested)
EHTH leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in EHTH five years ago would be worth $270 today (with dividends reinvested), compared to $55 for GOCO. Over the past 12 months, EHTH leads with a -67.7% total return vs GOCO's -88.3%. The 3-year compound annual growth rate (CAGR) favors EHTH at -34.7% vs GOCO's -57.5% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | -58.7% | -56.3% |
| 1-Year ReturnPast 12 months | -88.3% | -67.7% |
| 3-Year ReturnCumulative with dividends | -92.3% | -72.2% |
| 5-Year ReturnCumulative with dividends | -99.4% | -97.3% |
| 10-Year ReturnCumulative with dividends | -99.7% | -85.2% |
| CAGR (3Y)Annualised 3-year return | -57.5% | -34.7% |
Risk & Volatility
EHTH leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
EHTH is the less volatile stock with a 1.99 beta — it tends to amplify market swings less than GOCO's 2.23 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. EHTH currently trades 26.2% from its 52-week high vs GOCO's 11.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.23x | 1.99x |
| 52-Week HighHighest price in past year | $8.75 | $7.09 |
| 52-Week LowLowest price in past year | $0.99 | $1.20 |
| % of 52W HighCurrent price vs 52-week peak | +11.3% | +26.2% |
| RSI (14)Momentum oscillator 0–100 | 35.0 | 61.0 |
| Avg Volume (50D)Average daily shares traded | 78K | 754K |
Analyst Outlook
EHTH leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
EHTH is the only dividend payer here at 10.41% yield — a key consideration for income-focused portfolios.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | — | +10.4% |
| Dividend StreakConsecutive years of raises | 2 | 3 |
| Dividend / ShareAnnual DPS | — | $0.19 |
| Buyback YieldShare repurchases ÷ mkt cap | +12.1% | +4.2% |
EHTH leads in 5 of 6 categories — strongest in Income & Cash Flow and Profitability & Efficiency. 1 category is tied.
GOCO vs EHTH: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is GOCO or EHTH a better buy right now?
For growth investors, GoHealth, Inc.
(GOCO) is the stronger pick with 8. 7% revenue growth year-over-year, versus 4. 1% for eHealth, Inc. (EHTH). The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — GOCO or EHTH?
Over the past 5 years, eHealth, Inc.
(EHTH) delivered a total return of -97. 3%, compared to -99. 4% for GoHealth, Inc. (GOCO). Over 10 years, the gap is even starker: EHTH returned -85. 2% versus GOCO's -99. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — GOCO or EHTH?
By beta (market sensitivity over 5 years), eHealth, Inc.
(EHTH) is the lower-risk stock at 1. 99β versus GoHealth, Inc. 's 2. 23β — meaning GOCO is approximately 12% more volatile than EHTH relative to the S&P 500. On balance sheet safety, eHealth, Inc. (EHTH) carries a lower debt/equity ratio of 14% versus 115% for GoHealth, Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — GOCO or EHTH?
By revenue growth (latest reported year), GoHealth, Inc.
(GOCO) is pulling ahead at 8. 7% versus 4. 1% for eHealth, Inc. (EHTH). On earnings-per-share growth, the picture is similar: GoHealth, Inc. grew EPS 90. 8% year-over-year, compared to 71. 4% for eHealth, Inc.. Over a 3-year CAGR, EHTH leads at 11. 0% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — GOCO or EHTH?
eHealth, Inc.
(EHTH) is the more profitable company, earning 7. 2% net margin versus -0. 4% for GoHealth, Inc. — meaning it keeps 7. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EHTH leads at 12. 4% versus -0. 9% for GOCO. At the gross margin level — before operating expenses — EHTH leads at 97. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — GOCO or EHTH?
In this comparison, EHTH (10.
4% yield) pays a dividend. GOCO does not pay a meaningful dividend and should not be held primarily for income.
07Is GOCO or EHTH better for a retirement portfolio?
For long-horizon retirement investors, eHealth, Inc.
(EHTH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (10. 4% yield). GoHealth, Inc. (GOCO) carries a higher beta of 2. 23 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (EHTH: -85. 2%, GOCO: -99. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between GOCO and EHTH?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: GOCO is a small-cap quality compounder stock; EHTH is a small-cap income-oriented stock. EHTH pays a dividend while GOCO does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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