GoHealth, Inc.(GOCO)Earnings, Financials & Key Ratios
GOCO•NASDAQ•Insurance & Managed Care
$1.01
$13M mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryInsurance BrokersSub-IndustryDigital insurance marketplaces and brokers
AboutGoHealth, 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.Show more
- Revenue$799M+8.7%
- Combined Ratio100.88%-9.2%
- Net Income-$3M+95.4%
- Return on Equity-0.64%+94.7%
- Medical Cost Ratio16.35%-24.4%
- Operating Margin-0.88%+92.1%
- Net Margin-0.37%+95.7%
- ROA-0.2%+95.1%
- Equity / Assets30.8%+1.5%
- Book Value per Share45.93-6.2%
- Tangible BV/Share15.62+148.5%
- Debt/Equity1.15-3.5%
GOCO Key Insights
GoHealth, Inc. (GOCO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Low loss ratio of 16.3%
- ✓Trading at only 0.0x book value
✗Weaknesses
- ✗Weak momentum: RS Rating 5 (bottom 5%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
GOCO Price & Volume
GoHealth, Inc. (GOCO) stock price & volume — 10-year historical chart
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GOCO Growth Metrics
GoHealth, Inc. (GOCO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years8.17%
3 Years-9.06%
TTM7.56%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-570.94%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-431.33%
Return on Capital
10 Years-4.26%
5 Years-11.2%
3 Years-8.91%
Last Year-0.62%
GOCO Peer Comparison
GoHealth, Inc. (GOCO) competitors in Digital insurance marketplaces and brokers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SLQT | 211.55M | 1.20 | 90.23 | 15.5% | 4.45% | 13.75% | 0.72 | |
 EHTH | 89.59M | 2.00 | -5.88 | 4.06% | 7.23% | 4.11% | 0.14 | |
 EHC | 10.44B | 105.01 | 18.95 | 10.46% | 10.04% | 18.86% | 4.21% | 0.83 |
 ACHC | 2.33B | 25.30 | -2.08 | 5.04% | -32.84% | -40.92% | 1.24 | |
 HIMS | 6.94B | 26.88 | 52.71 | 59% | 5.47% | 23.73% | 1.07% | 2.07 |
 UNH | 333.37B | 367.28 | 27.76 | 11.81% | 2.68% | 11.54% | 4.82% | 0.77 |
 HUM | 29.57B | 246.33 | 25.03 | 10.06% | 0.82% | 6.17% | 1.27% | 0.73 |
 CVS | 110.4B | 86.86 | 62.49 | 7.85% | 0.44% | 2.35% | 7.07% | 1.24 |
Compare GOCO vs Peers
GoHealth, Inc. (GOCO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GOCO Income Statement
GoHealth, Inc. (GOCO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Revenue | 226.21M | 539.5M | 877.35M | 1.06B | 631.67M | 734.67M | 798.89M | 738.34M |
| Revenue Growth % | - | 138.5% | 62.62% | 21.09% | -40.54% | 16.31% | 8.74% | 7.56% |
| Medical Costs & Claims | 79.58M | 169.55M | 199.2M | 239.34M | 187.67M | 158.96M | 130.61M | 128.25M |
| Medical Cost Ratio % | 35.18% | 31.43% | 22.7% | 22.53% | 29.71% | 21.64% | 16.35% | 17.37% |
| Gross Profit | 146.62M▲ 0% | 369.95M▲ 152.3% | 678.15M▲ 83.3% | 823.08M▲ 21.4% | 444M▼ 46.1% | 575.71M▲ 29.7% | 668.28M▲ 16.1% | 610.08M▲ 0% |
| Gross Margin % | 64.82% | 68.57% | 77.3% | 77.47% | 70.29% | 78.36% | 83.65% | 82.63% |
| Gross Profit Growth % | - | 152.31% | 83.31% | 21.37% | -46.06% | 29.66% | 16.08% | - |
| Operating Expenses | 117.86M | 402.73M | 742.69M | 1.31B | 762.67M | 657.39M | 675.33M | 910.45M |
| OpEx / Revenue % | 52.1% | 74.65% | 84.65% | 123.54% | 120.74% | 89.48% | 84.53% | 123.31% |
| Depreciation & Amortization | 6.16M | 29.89M | 98.55M | 107.51M | 107M | 105.75M | 105.89M | 106.62M |
| Combined Ratio % | 87.28% | 106.08% | 107.36% | 146.07% | 150.45% | 111.12% | 100.88% | 140.68% |
| Operating Income | 28.76M▲ 0% | -32.78M▼ 214.0% | -64.55M▼ 96.9% | -489.45M▼ 658.3% | -318.67M▲ 34.9% | -81.68M▲ 74.4% | -7.05M▲ 91.4% | -300.37M▲ 0% |
| Operating Margin % | 12.72% | -6.08% | -7.36% | -46.07% | -50.45% | -11.12% | -0.88% | -40.68% |
| Operating Income Growth % | - | -213.96% | -96.92% | -658.29% | 34.89% | 74.37% | 91.37% | - |
| EBITDA | 34.92M | -2.89M | 34.01M | -381.94M | -211.66M | 24.07M | 98.84M | -193.74M |
| EBITDA Margin % | 15.44% | -0.54% | 3.88% | -35.95% | -33.51% | 3.28% | 12.37% | -26.24% |
| Interest Expense | 224K | 8.22M | 32.97M | 33.51M | 57.07M | 69.47M | 72.87M | 75.4M |
| Non-Operating Income | 379K | -79.21M | -358K | 11.27M | -115K | -37K | -74.86M | 3.3M |
| Pretax Income | 28.16M▲ 0% | 41.09M▲ 45.9% | -97.16M▼ 336.4% | -534.22M▼ 449.9% | -375.62M▲ 29.7% | -151.12M▲ 59.8% | -5.05M▲ 96.7% | -379.07M▲ 0% |
| Pretax Margin % | 12.45% | 7.62% | -11.07% | -50.28% | -59.46% | -20.57% | -0.63% | -51.34% |
| Income Tax | 46K | 22K | 43K | -24K | 764K | 154K | 2.27M | 2.65M |
| Effective Tax Rate % | 0.16% | 0.05% | -0.04% | 0% | -0.2% | -0.1% | -44.87% | -0.7% |
| Net Income | 28.12M▲ 0% | -41.07M▼ 246.1% | -44.27M▼ 7.8% | -189.36M▼ 327.8% | -148.71M▲ 21.5% | -63.26M▲ 57.5% | -2.93M▲ 95.4% | -199.02M▲ 0% |
| Net Margin % | 12.43% | -7.61% | -5.05% | -17.82% | -23.54% | -8.61% | -0.37% | -26.96% |
| Net Income Growth % | - | -246.06% | -7.79% | -327.76% | 21.47% | 57.46% | 95.37% | -570.94% |
| EPS (Diluted) | 1.34▲ 0% | -1.96▼ 246.3% | -3.30▼ 68.4% | -26.85▼ 713.6% | -17.72▲ 34.0% | -7.19▲ 59.4% | -0.66▲ 90.8% | -16.75▲ 0% |
| EPS Growth % | - | -246.27% | -68.37% | -713.64% | 34% | 59.42% | 90.82% | -431.33% |
| EPS (Basic) | 1.34 | -1.96 | -3.30 | -26.85 | -17.72 | -7.19 | -0.66 | - |
| Diluted Shares Outstanding | 20.91M | 20.91M | 5.61M | 7.07M | 8.45M | 9.29M | 9.98M | 11.88M |
GOCO Balance Sheet
GoHealth, Inc. (GOCO) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Total Assets | 142.84M | 1.6B | 2.11B | 2.07B | 1.66B | 1.5B | 1.49B | 1.03B |
| Asset Growth % | - | 1021.76% | 31.61% | -1.89% | -19.8% | -9.63% | -0.74% | -20.56% |
| Total Investment Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 54.03M | 143.77M | 391.82M | 429M | 414.56M | 476.44M | 400.41M | 996.1M |
| Cash & Equivalents | 505K | 12.28M | 144.23M | 84.36M | 16.46M | 90.81M | 40.92M | 32.08M |
| Receivables | 48.54M | 125.54M | 215.24M | 285.94M | 340.5M | 336.46M | 324.85M | 1B |
| Other Current Assets | 0 | 0 | 3.4M | 0 | 57.59M | 49.17M | 34.64M | 725.07M |
| Goodwill & Intangibles | 0 | 1.17B | 1.08B | 594.67M | 500.61M | 396.55M | 302.5M | 783.95M |
| Goodwill | 0 | 386.55M | 386.55M | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 782.78M | 688.73M | 594.67M | 500.61M | 396.55M | 302.5M | 0 |
| PP&E (Net) | 11.78M | 6.34M | 17.35M | 47.73M | 46.77M | 48.84M | 48.64M | 15.7M |
| Other Assets | -65.81M | 282.85M | 624.34M | 997.45M | 697.36M | 577.74M | 736.88M | 18.69M |
| Total Liabilities | 329.49M | 742.15M | 709.64M | 1.18B | 1.07B | 1.04B | 1.03B | 1.04B |
| Total Debt | 5.01M | 291.65M | 400.57M | 696.29M | 557.42M | 543.05M | 527.97M | 672.6M |
| Net Debt | 4.5M | 279.38M | 256.34M | 611.93M | 540.96M | 452.24M | 487.05M | 640.52M |
| Long-Term Debt | 0 | 288.23M | 396.4M | 665.12M | 504.81M | 422.7M | 447.87M | 637.72M |
| Short-Term Debt | 4.86M | 3M | 4.17M | 5.27M | 5.27M | 75M | 39.5M | 0 |
| Total Current Liabilities | 47.98M | 113.06M | 127.37M | 217.07M | 265.45M | 370.01M | 338.05M | 4.92M |
| Accounts Payable | 28.87M | 69.58M | 8.73M | 144M | 137.17M | 144.97M | 113.36M | 76.94M |
| Deferred Revenue | 1.36M | 15.22M | 0 | 536K | 50.59M | 52.4M | 53.72M | 0 |
| Other Current Liabilities | 3.18M | 2.69M | 9.06M | 8.34M | 10.11M | 5.59M | 4.42M | -76.94M |
| Deferred Taxes | 226K | 243K | 0 | 0 | 0 | 0 | 1000K | 91.27M |
| Other Liabilities | 28K | 340.19M | 185.87M | 274.4M | 258.96M | 212.35M | 186.86M | 312.85M |
| Total Equity | -182.15M▲ 0% | 860.14M▲ 572.2% | 1.4B▲ 62.7% | 892.49M▼ 36.2% | 591.7M▼ 33.7% | 454.95M▼ 23.1% | 458.4M▲ 0.8% | -6.91M▲ 0% |
| Equity Growth % | - | 572.22% | 62.67% | -36.21% | -33.7% | -23.11% | 0.76% | -109.36% |
| Shareholders Equity | -186.65M | 860.14M | 380.42M | 353.1M | 318.06M | 280.32M | 294.8M | 124.05M |
| Minority Interest | 4.5M | 0 | 1.02B | 539.39M | 273.64M | 174.64M | 163.6M | -75.08M |
| Retained Earnings | -189.1M | 0 | -18.8M | -208.32M | -357.02M | -420.28M | -423.21M | -647.74M |
| Common Stock | 2.44M | 0 | 32K | 2K | 2K | 2K | 2K | 2K |
| Accumulated OCI | 14K | -17K | 17K | -59K | -144K | -127K | -151K | -55K |
| Return on Equity (ROE) | - | -12.11% | -3.92% | -16.53% | -20.04% | -12.09% | -0.64% | -64.38% |
| Return on Assets (ROA) | 19.68% | -4.71% | -2.39% | -9.07% | -7.98% | -4.01% | -0.2% | -15.27% |
| Equity / Assets | -127.52% | 53.68% | 66.35% | 43.14% | 35.66% | 30.34% | 30.8% | -0.67% |
| Debt / Equity | - | 0.34x | 0.29x | 0.78x | 0.94x | 1.19x | 1.15x | 1.15x |
| Book Value per Share | -8.71 | 41.14 | 249.29 | 126.31 | 70.07 | 48.96 | 45.93 | -0.58 |
| Tangible BV per Share | -8.71 | -14.79 | 57.71 | 42.15 | 10.79 | 6.29 | 15.62 | -0.58 |
GOCO Cash Flow Statement
GoHealth, Inc. (GOCO) cash flow — operating, investing & free cash flow history
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 5.44M | -3K | -114.22M | -299.01M | 60.9M | 109.14M | -21.61M | -21.61M |
| Operating CF Growth % | - | -100.06% | -3807133.33% | -161.79% | 120.37% | 79.2% | -119.8% | -445.8% |
| Operating CF / Revenue % | 2.41% | -0% | -13.02% | -28.14% | 9.64% | 14.86% | -2.7% | -2.93% |
| Net Income | 28.11M | -41.07M | -97.2M | -534.19M | -376.38M | -151.27M | -7.32M | -199.02M |
| Depreciation & Amortization | 6.16M | 32.98M | 98.55M | 107.51M | 107M | 105.75M | 105.89M | 106.62M |
| Stock-Based Compensation | 0 | 0 | 216.23M | 27.3M | 27.14M | 19.55M | 11.28M | 7.42M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 4.48M | 2.79M |
| Other Non-Cash Items | 791K | 159.25M | 20.44M | 406.8M | 32.98M | 19M | -61.04M | 159.88M |
| Working Capital Changes | -29.62M | -151.17M | -352.24M | -306.42M | 270.16M | 116.12M | -74.9M | -110.91M |
| Cash from Investing | -6.17M | -815.61M | -14.52M | -19.8M | -13.51M | -13.73M | 3.81M | -10.47M |
| Capital Expenditures | -6.17M | -8.02M | -14.52M | -19.8M | -13.51M | -13.73M | -13.73M | -10.47M |
| Acquisitions | 0 | -807.59M | 0 | 0 | 0 | 0 | 17.54M | 0 |
| Purchase of Investments | 0 | 0 | -508.32M | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 0 | 0 | 508.32M | 0 | 0 | 0 | 0 | 0 |
| Cash from Financing | 63K | 827.43M | 260.66M | 259.09M | -115.05M | -21.11M | -32.03M | 74.69M |
| Dividends Paid | 0 | 0 | -400K | 0 | 0 | -3.57M | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -345K | -2.29M | -1.51M | -5.05M |
| Stock Issued | 0 | 541.26M | 862.41M | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 142K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 2M |
| Other Financing | -79K | 0 | -614.17M | -6.62M | -4.33M | 91K | -32.73M | -28.09M |
| Net Change in Cash | -667K▲ 0% | 11.77M▲ 1864.8% | 131.96M▲ 1021.0% | -59.87M▼ 145.4% | -67.9M▼ 13.4% | 74.34M▲ 209.5% | -49.89M▼ 167.1% | -3.45M▲ 0% |
| Exchange Rate Effect | -3K | -49K | 35K | -155K | -238K | 42K | -55K | 166K |
| Cash at Beginning | 1.17M | 505K | 12.28M | 144.23M | 84.36M | 16.46M | 90.81M | 35.59M |
| Cash at End | 505K | 12.28M | 144.23M | 84.36M | 16.46M | 90.81M | 40.92M | 32.08M |
| Free Cash Flow | -727K▲ 0% | -8.02M▼ 1003.0% | -128.74M▼ 1505.4% | -318.81M▼ 147.6% | 47.39M▲ 114.9% | 95.41M▲ 101.3% | -35.34M▼ 137.0% | -78.3M▲ 0% |
| FCF Growth % | - | -1003.03% | -1505.44% | -147.64% | 114.87% | 101.32% | -137.04% | -536.62% |
| FCF Margin % | -0.32% | -1.49% | -14.67% | -30.01% | 7.5% | 12.99% | -4.42% | -10.61% |
| FCF per Share | -0.03 | -0.38 | -22.94 | -45.12 | 5.61 | 10.27 | -3.54 | -3.54 |
GOCO Key Ratios
GoHealth, Inc. (GOCO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|
| Combined Ratio | 106.08% | 107.36% | 146.07% | 150.45% | 111.12% | 100.88% | 140.68% |
| Medical Cost Ratio | 31.43% | 22.7% | 22.53% | 29.71% | 21.64% | 16.35% | 17.37% |
| Return on Equity (ROE) | -12.11% | -3.92% | -16.53% | -20.04% | -12.09% | -0.64% | -64.38% |
| Return on Assets (ROA) | -4.71% | -2.39% | -9.07% | -7.98% | -4.01% | -0.2% | -15.27% |
| Equity / Assets | 53.68% | 66.35% | 43.14% | 35.66% | 30.34% | 30.8% | -0.67% |
| Book Value / Share | 41.14 | 249.29 | 126.31 | 70.07 | 48.96 | 45.93 | -0.58 |
| Debt / Equity | 0.34x | 0.29x | 0.78x | 0.94x | 1.19x | 1.15x | 1.15x |
| Revenue Growth | 138.5% | 62.62% | 21.09% | -40.54% | 16.31% | 8.74% | 7.56% |
GOCO Frequently Asked Questions
GoHealth, Inc. (GOCO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
GoHealth, Inc. (GOCO) grew revenue by 8.7% over the past year. This is steady growth.
GoHealth, Inc. (GOCO) reported a net loss of $199.0M for fiscal year 2024.
Dividend & Returns
GoHealth, Inc. (GOCO) has a return on equity (ROE) of -0.6%. Negative ROE indicates the company is unprofitable.
Industry Metrics
GoHealth, Inc. (GOCO) has a combined ratio of 100.9%. A ratio above 100% means claims and expenses exceed premiums.
Explore More GOCO
GoHealth, Inc. (GOCO) financial analysis — history, returns, DCA and operating performance tools
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Revenue History
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Financial Ratios
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Valuation
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