📊 GOCO Key Takeaways
Is GoHealth, Inc. (GOCO) a Good Investment?
GoHealth is in severe financial distress with a 54.7% YoY revenue collapse, operating losses of -$34.8M, and catastrophic leverage (306.49x debt-to-equity). The company cannot service its $653.1M debt burden with only $2.1M in equity and negative interest coverage of -1.9x, indicating imminent solvency risk.
Fundamentals are severely impaired: revenue has halved, margins are deeply negative, and free cash flow remains sharply negative. Leverage is extreme with thin equity and negative interest coverage, elevating solvency risk despite acceptable near‑term liquidity. A credible turnaround would require material cost resets and sustained revenue stabilization not evidenced in current results.
Why Buy GoHealth, Inc. Stock? GOCO Key Strengths
- Positive operating cash flow of $7.0M demonstrates some business cash generation
- Acceptable short-term liquidity with 2.03x current ratio
- $917.9M in total assets provide potential liquidation value
- Solid near-term liquidity (current and quick 2.02x)
- Meaningful revenue base (~$362M) if stabilized
- Capital-light profile (low capex) with slight YoY net loss improvement
GOCO Stock Risks: GoHealth, Inc. Investment Risks
- Debt-to-equity ratio of 306.49x indicates technical insolvency and bankruptcy risk
- 54.7% YoY revenue decline signals fundamental business model failure
- Negative interest coverage (-1.9x) means company cannot service $653.1M debt from operations, requiring restructuring or asset sales
- Extreme leverage (16.8x D/E) and negative interest coverage (-23x) indicate solvency risk
- Severe revenue contraction (-54.7% YoY) with deeply negative margins
- Persistent cash burn (OCF -$121.9M; FCF -$130.2M) and very thin equity ($37.9M)
Key Metrics to Watch
- Revenue stabilization and return to growth
- Operating cash flow sustainability amid losses
- Debt restructuring or covenant violation developments
- Operating cash flow
- Interest coverage
GoHealth, Inc. (GOCO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 58.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. Strong liquidity with a 2.03x current ratio provides a solid financial cushion.
GOCO Profit Margin, ROE & Profitability Analysis
GOCO vs Finance Sector: How GoHealth, Inc. Compares
How GoHealth, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is GoHealth, Inc. Stock Overvalued? GOCO Valuation Analysis 2026
Based on fundamental analysis, GoHealth, Inc. shows some fundamental concerns relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
GoHealth, Inc. Balance Sheet: GOCO Debt, Cash & Liquidity
GOCO Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: GoHealth, Inc.'s revenue has declined by 25% over the 5-year period, indicating business contraction. The most recent EPS of $-7.19 indicates the company is currently unprofitable.
GOCO Revenue Growth, EPS Growth & YoY Performance
GOCO Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $11.9M | -$4.4M | $-0.52 |
| Q3 2025 | $34.2M | $6.8M | $0.46 |
| Q2 2025 | $94.0M | -$26.0M | $-2.70 |
| Q1 2025 | $185.6M | -$4.4M | $-0.52 |
| Q3 2024 | $118.3M | $6.8M | $0.46 |
| Q2 2024 | $105.9M | -$26.0M | $-2.70 |
| Q1 2024 | $183.2M | -$9.2M | $-1.04 |
| Q3 2023 | $132.0M | -$23.9M | $-2.61 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
GoHealth, Inc. Dividends, Buybacks & Capital Allocation
GOCO SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for GoHealth, Inc. (CIK: 0001808220)
📋 Recent SEC Filings
❓ Frequently Asked Questions about GOCO
What is the AI rating for GOCO?
GoHealth, Inc. (GOCO) has a Combined AI Rating of STRONG SELL from Claude (STRONG SELL) and ChatGPT (STRONG SELL) with 88% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are GOCO's key strengths?
Claude: Positive operating cash flow of $7.0M demonstrates some business cash generation. Acceptable short-term liquidity with 2.03x current ratio. ChatGPT: Solid near-term liquidity (current and quick 2.02x). Meaningful revenue base (~$362M) if stabilized.
What are the risks of investing in GOCO?
Claude: Debt-to-equity ratio of 306.49x indicates technical insolvency and bankruptcy risk. 54.7% YoY revenue decline signals fundamental business model failure. ChatGPT: Extreme leverage (16.8x D/E) and negative interest coverage (-23x) indicate solvency risk. Severe revenue contraction (-54.7% YoY) with deeply negative margins.
What is GOCO's revenue and growth?
GoHealth, Inc. reported revenue of $11.9M.
Does GOCO pay dividends?
GoHealth, Inc. does not currently pay dividends.
Where can I find GOCO SEC filings?
Official SEC filings for GoHealth, Inc. (CIK: 0001808220) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is GOCO's EPS?
GoHealth, Inc. has a diluted EPS of $-2.36.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is GOCO a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, GoHealth, Inc. has a STRONG SELL rating with 88% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is GOCO stock overvalued or undervalued?
Valuation metrics for GOCO: ROE of -1,744.3% (sector avg: 12%), net margin of -312.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy GOCO stock in 2026?
Our dual AI analysis gives GoHealth, Inc. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is GOCO's free cash flow?
GoHealth, Inc.'s operating cash flow is $7.0M, with capital expenditures of $0.0. FCF margin is 58.6%.
How does GOCO compare to other Finance stocks?
Vs Finance sector averages: Net margin -312.0% (avg: 25%), ROE -1,744.3% (avg: 12%), current ratio 2.03 (avg: 1.2).
Is GoHealth, Inc. carrying too much debt?
GOCO has a debt-to-equity ratio of 306.49x, which is above the Finance sector average of 2x. However, the current ratio of 2.03 suggests adequate short-term liquidity.