GoHealth (GOCO)
Market Price (2/22/2026): $1.63 | Market Cap: $23.0 MilSector: Financials | Industry: Insurance Brokers
GoHealth (GOCO)
Market Price (2/22/2026): $1.63Market Cap: $23.0 MilSector: FinancialsIndustry: Insurance Brokers
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Valuation becoming less expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -51% | Weak multi-year price returns2Y Excs Rtn is -126%, 3Y Excs Rtn is -157% | Not profitable at operating income levelOp Inc LTMOperating Income, Last Twelve Months is -40 Mil, Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is -5.5% |
| Megatrend and thematic driversMegatrends include E-commerce & Digital Retail, Digital Health & Telemedicine, and Aging Population & Chronic Disease. Themes include Online Marketplaces, Show more. | Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 13.93 | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 2553% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -3.4%, Rev Chg QQuarterly Revenue Change % is -71% | ||
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -9.2%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -11% | ||
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -873% | ||
| Key risksGOCO key risks include [1] a potentially crippling Department of Justice lawsuit alleging illegal kickback schemes and [2] acute financial instability, Show more. |
| Valuation becoming less expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -51% |
| Megatrend and thematic driversMegatrends include E-commerce & Digital Retail, Digital Health & Telemedicine, and Aging Population & Chronic Disease. Themes include Online Marketplaces, Show more. |
| Weak multi-year price returns2Y Excs Rtn is -126%, 3Y Excs Rtn is -157% |
| Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 13.93 |
| Not profitable at operating income levelOp Inc LTMOperating Income, Last Twelve Months is -40 Mil, Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is -5.5% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 2553% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -3.4%, Rev Chg QQuarterly Revenue Change % is -71% |
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -9.2%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -11% |
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -873% |
| Key risksGOCO key risks include [1] a potentially crippling Department of Justice lawsuit alleging illegal kickback schemes and [2] acute financial instability, Show more. |
Qualitative Assessment
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GoHealth (GOCO) stock has lost about 60% since 10/31/2025 because of the following key factors:
1. GoHealth reported significantly missed third-quarter 2025 earnings and revenue expectations on November 13, 2025. The company posted an earnings per share (EPS) of -$11.80, a miss of 484.16% compared to analysts' expectations of -$2.02. Additionally, GoHealth's revenue for the quarter was $34.19 million, falling short of analysts' estimates of $102.36 million and representing a 63.7% decrease from the previous quarter. This underperformance was attributed to a challenging Medicare Advantage environment, a strategic reduction in Medicare Advantage volume to prioritize quality, and a suspended carrier relationship.
2. Analysts issued multiple downgrades and substantially reduced price targets for GoHealth's stock. On November 19, 2025, William Blair downgraded GoHealth from "Outperform" to "Market Perform," citing persistent market headwinds. Following this, on November 26, 2025, RBC Capital lowered its price target for GOCO from $12 to $5, while maintaining a "Hold" rating, reflecting weaker-than-expected Q3 results, revenue softness, and ongoing concerns about cash flow and market conditions. As of February 17, 2026, all analysts held a "Hold" consensus rating, with an average price target of $5.00.
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1. GoHealth reported significantly missed third-quarter 2025 earnings and revenue expectations on November 13, 2025. The company posted an earnings per share (EPS) of -$11.80, a miss of 484.16% compared to analysts' expectations of -$2.02. Additionally, GoHealth's revenue for the quarter was $34.19 million, falling short of analysts' estimates of $102.36 million and representing a 63.7% decrease from the previous quarter. This underperformance was attributed to a challenging Medicare Advantage environment, a strategic reduction in Medicare Advantage volume to prioritize quality, and a suspended carrier relationship.
2. Analysts issued multiple downgrades and substantially reduced price targets for GoHealth's stock. On November 19, 2025, William Blair downgraded GoHealth from "Outperform" to "Market Perform," citing persistent market headwinds. Following this, on November 26, 2025, RBC Capital lowered its price target for GOCO from $12 to $5, while maintaining a "Hold" rating, reflecting weaker-than-expected Q3 results, revenue softness, and ongoing concerns about cash flow and market conditions. As of February 17, 2026, all analysts held a "Hold" consensus rating, with an average price target of $5.00.
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Stock Movement Drivers
Fundamental Drivers
The -59.1% change in GOCO stock from 10/31/2025 to 2/21/2026 was primarily driven by a -40.5% change in the company's P/S Multiple.| (LTM values as of) | 10312025 | 2212026 | Change |
|---|---|---|---|
| Stock Price ($) | 3.96 | 1.62 | -59.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 822 | 738 | -10.2% |
| P/S Multiple | 0.1 | 0.0 | -40.5% |
| Shares Outstanding (Mil) | 11 | 14 | -23.4% |
| Cumulative Contribution | -59.1% |
Market Drivers
10/31/2025 to 2/21/2026| Return | Correlation | |
|---|---|---|
| GOCO | -59.1% | |
| Market (SPY) | 1.1% | 53.5% |
| Sector (XLF) | 0.2% | 45.2% |
Fundamental Drivers
The -73.6% change in GOCO stock from 7/31/2025 to 2/21/2026 was primarily driven by a -59.3% change in the company's P/S Multiple.| (LTM values as of) | 7312025 | 2212026 | Change |
|---|---|---|---|
| Stock Price ($) | 6.13 | 1.62 | -73.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 834 | 738 | -11.5% |
| P/S Multiple | 0.1 | 0.0 | -59.3% |
| Shares Outstanding (Mil) | 10 | 14 | -26.6% |
| Cumulative Contribution | -73.6% |
Market Drivers
7/31/2025 to 2/21/2026| Return | Correlation | |
|---|---|---|
| GOCO | -73.6% | |
| Market (SPY) | 9.4% | 45.9% |
| Sector (XLF) | 0.6% | 44.4% |
Fundamental Drivers
The -90.1% change in GOCO stock from 1/31/2025 to 2/21/2026 was primarily driven by a -87.0% change in the company's P/S Multiple.| (LTM values as of) | 1312025 | 2212026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.30 | 1.62 | -90.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 686 | 738 | 7.6% |
| P/S Multiple | 0.2 | 0.0 | -87.0% |
| Shares Outstanding (Mil) | 10 | 14 | -28.7% |
| Cumulative Contribution | -90.1% |
Market Drivers
1/31/2025 to 2/21/2026| Return | Correlation | |
|---|---|---|
| GOCO | -90.1% | |
| Market (SPY) | 15.6% | 32.9% |
| Sector (XLF) | 3.0% | 32.5% |
Fundamental Drivers
The -89.5% change in GOCO stock from 1/31/2023 to 2/21/2026 was primarily driven by a -77.0% change in the company's P/S Multiple.| (LTM values as of) | 1312023 | 2212026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.48 | 1.62 | -89.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,012 | 738 | -27.0% |
| P/S Multiple | 0.1 | 0.0 | -77.0% |
| Shares Outstanding (Mil) | 9 | 14 | -37.6% |
| Cumulative Contribution | -89.5% |
Market Drivers
1/31/2023 to 2/21/2026| Return | Correlation | |
|---|---|---|
| GOCO | -89.5% | |
| Market (SPY) | 75.9% | 24.1% |
| Sector (XLF) | 50.1% | 25.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| GOCO Return | -72% | -82% | 28% | 0% | -84% | -23% | -99% |
| Peers Return | -59% | -67% | 86% | 98% | -11% | -24% | -66% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 0% | 83% |
Monthly Win Rates [3] | |||||||
| GOCO Win Rate | 42% | 25% | 50% | 58% | 25% | 50% | |
| Peers Win Rate | 35% | 33% | 53% | 57% | 45% | 20% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| GOCO Max Drawdown | -76% | -91% | -27% | -44% | -84% | -25% | |
| Peers Max Drawdown | -63% | -77% | -18% | -34% | -35% | -28% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: SLQT, EHTH, ALHC, CLOV, OSCR.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/20/2026 (YTD)
How Low Can It Go
| Event | GOCO | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -97.9% | -25.4% |
| % Gain to Breakeven | 4763.2% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -54.3% | -33.9% |
| % Gain to Breakeven | 118.7% | 51.3% |
| Time to Breakeven | Not Fully Recovered days | 148 days |
Compare to SLQT, EHTH, ALHC, CLOV, OSCR
In The Past
GoHealth's stock fell -97.9% during the 2022 Inflation Shock from a high on 1/8/2021. A -97.9% loss requires a 4763.2% gain to breakeven.
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About GoHealth (GOCO)
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.
AI Analysis | Feedback
Here are 1-2 brief analogies to describe GoHealth (GOCO):
- Expedia for health insurance plans: GoHealth helps individuals compare and enroll in health insurance plans from various carriers, similar to how Expedia helps you find flights and hotels.
- LendingTree for health insurance: GoHealth aggregates different health insurance options and connects consumers with plans that fit their needs, much like LendingTree does for loan products.
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- Medicare Enrollment Services: GoHealth connects seniors with suitable Medicare Advantage and Medicare Supplement plans, providing agent assistance for selection and enrollment.
- Individual & Family Health Insurance: They offer a platform and agent support for consumers seeking to find and enroll in individual and family health insurance plans, including ACA and short-term options.
- Insurance Carrier Distribution & Technology: GoHealth provides insurance carriers with a broad distribution channel and a technology platform to reach and enroll consumers in their health plans.
AI Analysis | Feedback
GoHealth (GOCO) sells primarily to individuals seeking health insurance coverage. The company operates as a health insurance marketplace and technology platform, connecting consumers with various insurance plans.
The up to three primary categories of customers that GoHealth serves are:
- Seniors and Medicare Beneficiaries: This is GoHealth's largest and most significant customer segment. These individuals are typically aged 65 and older (or eligible due to disability) and are seeking to enroll in Medicare Advantage plans, Medicare Supplement (Medigap) plans, and Medicare Part D Prescription Drug Plans.
- Individuals Under 65: This category includes people seeking health insurance plans outside of Medicare, such as plans offered through the Affordable Care Act (ACA) marketplaces or other private health insurance options.
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| Supplier Company Name | Symbol (if public) |
|---|---|
| UnitedHealth Group Inc. | UNH |
| Humana Inc. | HUM |
| Centene Corporation | CNC |
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Vijay Kotte, Chief Executive Officer
Mr. Kotte joined GoHealth as Chief Executive Officer in 2022 and also serves on the Company's Board of Directors. He brings over two decades of experience in developing and transforming innovative healthcare models and Medicare-focused platforms across both public and private ventures. Prior to GoHealth, Mr. Kotte was the Chief Solutions Officer and Executive Vice President, Strategy and Corporate Development at R1. He also served as Chief Value Officer and previously Chief Financial Officer for DaVita Medical Group, where he was responsible for strategy, mergers and acquisitions, carrier/payor contracting, performance, operations, and oversight of joint ventures. Before DaVita, he was President and Chief Operating Officer of Medicare operations for Meridian Health Plan, and President of the Midwest region for WellCare Health Plans. DaVita Medical Group was divested to OptumCare after his tenure as CFO.
Brendan Shanahan, Chief Financial Officer
Mr. Shanahan was appointed Chief Financial Officer of GoHealth, effective October 14, 2024. He brings over 30 years of financial experience, with more than 20 years specializing in the Medicare Advantage sector. Before joining GoHealth, Mr. Shanahan served as Chief Financial Officer at Upstream Care Company. Prior to that, he spent six years at Cedar Gate Technologies, Inc., most recently as Executive Vice President and Chief Financial Officer. Mr. Shanahan is also a licensed agent and co-founder of Health Plan One.
Mike Hargis, Chief Operating Officer
Mr. Hargis serves as the Chief Operating Officer for GoHealth.
Brad Burd, Chief Legal Officer and Corporate Secretary
Mr. Burd holds the position of Chief Legal Officer and Corporate Secretary at GoHealth.
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```htmlKey Risks to GoHealth (GOCO)
- Legal and Regulatory Scrutiny: GoHealth is facing a significant legal crisis, including a U.S. Department of Justice (DOJ) False Claims Act lawsuit alleging illegal kickback schemes and steering Medicare Advantage enrollments between 2016 and 2021. This carries substantial risks, including potential financial penalties that could exceed its market capitalization, significant reputational damage, and operational disruptions due to mandated compliance reforms.
- Financial Instability and Liquidity Concerns: The company has disclosed a "going concern" warning, indicating substantial doubt about its ability to continue operations, and has delayed financial filings. GoHealth faces precarious liquidity, challenges in maintaining compliance with debt covenants, and the risk of default if it cannot make scheduled principal and interest payments. The company also exhibits a high debt-to-equity ratio and ongoing profitability challenges.
- Market Uncertainty and Medicare Advantage Industry Challenges: GoHealth operates within a challenging Medicare Advantage landscape, experiencing industry-wide shifts such as health plans tightening plan economics, reduced prefunded marketing, and adjusted broker compensation. Other risks include market uncertainty, a reduction in commissionable products, and the potential for lower renewal rates, all of which could impact cash-on-cash returns. Regulatory changes within the insurance industry also pose sector-specific risks.
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The addressable markets for GoHealth's main products and services in the United States are as follows:
- Medicare Advantage and Medicare Supplement Products: The total addressable market for Medicare Advantage and Medicare Supplement products in the U.S. was estimated to be nearly $30 billion in 2021. In 2024, Medicare Advantage enrollment reached a record 34.5 million beneficiaries, representing 51% of the country's Medicare population. The number of Medicare-eligible individuals is projected to grow from approximately 63 million in 2021 to around 82 million by 2030.
- Individual Health Insurance: The U.S. individual health insurance market is estimated at USD 35.50 billion in 2024 and is projected to reach approximately USD 67.57 billion by 2034, demonstrating a Compound Annual Growth Rate (CAGR) of 6.65% between 2024 and 2034.
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GoHealth (NASDAQ: GOCO) is poised for future revenue growth over the next 2-3 years, driven by several strategic initiatives and favorable market dynamics. Key drivers identified from recent earnings releases, transcripts, and company statements include:
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Growth in Captive Agent Productivity and Submissions: GoHealth is focusing on enhancing the effectiveness of its internal captive agents. This involves improved training, technology, and more targeted marketing efforts, leading to a significant year-over-year increase in submissions from this channel.
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Diversification through New Product Launches, particularly GoHealth Protect: The company has strategically launched "GoHealth Protect," a new suite of products in the life insurance space, with guaranteed acceptance life insurance as its inaugural offering. This initiative aims to diversify GoHealth's product portfolio, minimize revenue seasonality, and contribute meaningfully to financial results.
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Strategic Acquisitions to Expand Market Leadership and Operational Capacity: GoHealth's acquisition of e-TeleQuote Insurance, Inc. is a prime example of its strategy to reinforce market leadership and enhance operational capacity. This acquisition added substantial contract assets and cash, and improved submission volumes, indicating that similar strategic inorganic growth could be a future driver.
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Leveraging Technology, AI, and Automation for Enhanced Efficiency and Customer Experience: GoHealth continues to invest in its proprietary technology platform, including artificial intelligence (AI) and automation, to reduce direct operating costs per submission (customer acquisition costs) and improve overall operational performance. Innovations in platforms like PlanFit and Encompass also enhance consumer and agent experiences, which can indirectly drive revenue through more effective enrollment and retention.
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Capitalizing on Favorable Medicare Market Dynamics: The company anticipates that the favorable market dynamics currently driving demand in the Medicare sector will persist throughout the first three quarters of 2025, positioning GoHealth for sustained success in its core business.
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Share Repurchases
- GoHealth repurchased approximately $5.028 million in shares for the three months ended June 30, 2025, and $1.335 million for the six months ended June 30, 2025, to satisfy employee tax withholding obligations.
Share Issuance
- On July 14, 2020, GoHealth announced the pricing of its Initial Public Offering (IPO) of 43,500,000 shares of Class A common stock at $21.00 per share, raising approximately $914 million.
- As part of strategic capital and governance actions in the second quarter of 2025, GoHealth issued an aggregate of 4,766,219 shares of Class A common stock to lenders.
Inbound Investments
- In August 2025, GoHealth secured a new senior secured superpriority term loan facility, including $80.0 million in new-money term loans and $35.0 million in roll-up loans.
- This new facility established a debt basket capacity of up to $250.0 million to pursue potential transformative transactions.
- Concurrently, the company amended its existing credit agreement to waive near-term principal payments through 2026 and reset financial covenants.
Outbound Investments
- GoHealth completed the strategic acquisition of e-TeleQuote Insurance, Inc. on September 30, 2024.
- The acquisition added over $100 million in contract assets and $18 million in cash to GoHealth's balance sheet.
- As part of the e-TeleQuote acquisition, GoHealth made an initial $5.0 million investment for newly issued shares, which contributed to a $77.4 million gain on bargain purchase recorded by the company.
Capital Expenditures
- GoHealth's capital expenditures were approximately $14.52 million in 2020, $19.80 million in 2021, $13.51 million in 2022, $13.73 million in 2023, and $13.73 million in 2024.
- For the trailing twelve months ending in the third quarter of 2025, capital expenditures were approximately $12.35 million.
- The focus of capital expenditures includes advancements in artificial intelligence (AI), automation, and marketing efficiencies to improve operational performance and enhance the consumer experience.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| GoHealth Earnings Notes | 12/16/2025 | |
| With GoHealth Stock Sliding, Have You Assessed The Risk? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to GOCO.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 01302026 | FDS | FactSet Research Systems | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -19.1% | -19.1% | -23.8% |
| 01302026 | PFSI | PennyMac Financial Services | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -7.6% | -7.6% | -9.2% |
| 01232026 | FIS | Fidelity National Information Services | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -22.6% | -22.6% | -22.6% |
| 01022026 | MORN | Morningstar | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -23.9% | -23.9% | -26.8% |
| 01022026 | ABR | Arbor Realty Trust | Special | Short Squeeze PotentialShort Squeeze PotentialHas potential for a short squeeze. High short interest, rising short interest and high debt. | -2.9% | -2.9% | -6.7% |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 1.82 |
| Mkt Cap | 0.6 |
| Rev LTM | 1,696 |
| Op Inc LTM | 2 |
| FCF LTM | -18 |
| FCF 3Y Avg | -24 |
| CFO LTM | -2 |
| CFO 3Y Avg | -3 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 22.1% |
| Rev Chg 3Y Avg | 30.4% |
| Rev Chg Q | 14.4% |
| QoQ Delta Rev Chg LTM | 3.6% |
| Op Mgn LTM | 0.1% |
| Op Mgn 3Y Avg | -3.2% |
| QoQ Delta Op Mgn LTM | 0.2% |
| CFO/Rev LTM | -1.2% |
| CFO/Rev 3Y Avg | -0.7% |
| FCF/Rev LTM | -2.5% |
| FCF/Rev 3Y Avg | -2.2% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.6 |
| P/S | 0.2 |
| P/EBIT | -4.5 |
| P/E | -4.3 |
| P/CFO | 1.5 |
| Total Yield | -3.1% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | -7.7% |
| D/E | 1.1 |
| Net D/E | 0.2 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -29.4% |
| 3M Rtn | -24.2% |
| 6M Rtn | -43.7% |
| 12M Rtn | -67.3% |
| 3Y Rtn | 11.1% |
| 1M Excs Rtn | -29.8% |
| 3M Excs Rtn | -26.8% |
| 6M Excs Rtn | -44.0% |
| 12M Excs Rtn | -82.6% |
| 3Y Excs Rtn | -60.8% |
Segment Financials
Revenue by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Sale and administration of Medicare products | 735 | ||||
| Medicare Revenue | 537 | ||||
| Other Revenue | 95 | ||||
| Individual and Family Plans and Other-External channel | 8 | 22 | 13 | ||
| Individual and Family Plans and Other-Internal channel | 20 | 32 | 21 | ||
| Medicare-External | 190 | 156 | 59 | ||
| Medicare-Internal | 845 | 667 | 215 | ||
| Total | 735 | 632 | 1,062 | 877 | 308 |
Price Behavior
Price Behavior
| Market Price | $1.62 | |
| Market Cap ($ Bil) | 0.0 | |
| First Trading Date | 07/15/2020 | |
| Distance from 52W High | -91.2% | |
| 50 Days | 200 Days | |
| DMA Price | $2.28 | $4.41 |
| DMA Trend | down | down |
| Distance from DMA | -29.1% | -63.3% |
| 3M | 1YR | |
| Volatility | 80.4% | 76.0% |
| Downside Capture | 562.43 | 314.00 |
| Upside Capture | 160.51 | 22.26 |
| Correlation (SPY) | 49.3% | 33.5% |
GOCO Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 4.19 | 4.46 | 5.02 | 3.12 | 1.33 | 1.25 |
| Up Beta | 4.32 | 4.77 | 5.14 | 3.35 | 0.67 | 0.88 |
| Down Beta | 4.54 | 4.43 | 5.49 | 3.41 | 1.71 | 1.67 |
| Up Capture | 346% | 245% | 305% | 110% | 32% | 44% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 9 | 17 | 25 | 52 | 98 | 345 |
| Down Capture | 416% | 532% | 451% | 310% | 161% | 111% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 11 | 23 | 33 | 70 | 148 | 397 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with GOCO | |
|---|---|---|---|---|
| GOCO | -91.4% | 75.8% | -2.90 | - |
| Sector ETF (XLF) | 1.6% | 19.4% | -0.04 | 34.7% |
| Equity (SPY) | 13.5% | 19.4% | 0.53 | 34.0% |
| Gold (GLD) | 74.5% | 25.6% | 2.15 | 4.4% |
| Commodities (DBC) | 7.2% | 16.9% | 0.25 | 7.4% |
| Real Estate (VNQ) | 7.1% | 16.7% | 0.24 | 30.0% |
| Bitcoin (BTCUSD) | -29.7% | 44.9% | -0.65 | 20.0% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with GOCO | |
|---|---|---|---|---|
| GOCO | -62.7% | 92.0% | -0.64 | - |
| Sector ETF (XLF) | 12.6% | 18.7% | 0.54 | 23.7% |
| Equity (SPY) | 13.4% | 17.0% | 0.62 | 26.3% |
| Gold (GLD) | 22.6% | 17.1% | 1.08 | 3.0% |
| Commodities (DBC) | 10.9% | 19.0% | 0.46 | 3.9% |
| Real Estate (VNQ) | 5.0% | 18.8% | 0.17 | 23.3% |
| Bitcoin (BTCUSD) | 7.4% | 57.1% | 0.35 | 10.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with GOCO | |
|---|---|---|---|---|
| GOCO | -40.7% | 90.0% | -0.62 | - |
| Sector ETF (XLF) | 14.7% | 22.2% | 0.61 | 22.1% |
| Equity (SPY) | 16.1% | 17.9% | 0.77 | 25.6% |
| Gold (GLD) | 14.8% | 15.6% | 0.79 | 3.1% |
| Commodities (DBC) | 8.6% | 17.6% | 0.40 | 5.1% |
| Real Estate (VNQ) | 7.0% | 20.7% | 0.30 | 22.6% |
| Bitcoin (BTCUSD) | 68.0% | 66.7% | 1.07 | 9.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 11/13/2025 | -24.3% | -33.1% | -16.3% |
| 8/7/2025 | -9.2% | -4.8% | -23.8% |
| 5/13/2025 | -0.2% | -20.1% | -27.9% |
| 2/27/2025 | -14.4% | -13.6% | -32.6% |
| 11/7/2024 | -7.6% | -2.7% | -15.4% |
| 8/8/2024 | -20.8% | -30.1% | -34.0% |
| 3/14/2024 | -13.2% | -22.2% | -27.0% |
| 11/9/2023 | -0.8% | 12.1% | 7.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 3 | 5 | 4 |
| # Negative | 16 | 14 | 15 |
| Median Positive | 8.5% | 12.1% | 57.0% |
| Median Negative | -13.8% | -16.9% | -23.8% |
| Max Positive | 32.2% | 44.8% | 118.7% |
| Max Negative | -42.8% | -46.0% | -56.2% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/14/2025 | 10-Q |
| 06/30/2025 | 08/12/2025 | 10-Q |
| 03/31/2025 | 05/16/2025 | 10-Q |
| 12/31/2024 | 02/27/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 03/14/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/10/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 03/23/2023 | 10-K |
| 09/30/2022 | 11/14/2022 | 10-Q |
| 06/30/2022 | 08/16/2022 | 10-Q |
| 03/31/2022 | 05/10/2022 | 10-Q |
| 12/31/2021 | 03/16/2022 | 10-K |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Insurance Brokers Resources |
| Insurance Business America |
| A.M. Best |
| National Underwriter |
| Insurance News |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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