GoHealth (GOCO)
Market Price (4/15/2026): $1.07 | Market Cap: $17.2 MilSector: Financials | Industry: Insurance Brokers
GoHealth (GOCO)
Market Price (4/15/2026): $1.07Market Cap: $17.2 MilSector: FinancialsIndustry: Insurance Brokers
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
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 -123%, 3Y Excs Rtn is -162% | Not profitable at operating income levelOp Inc LTMOperating Income, Last Twelve Months is -153 Mil, Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is -42% Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 3711% Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -55%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -9.9%, Rev Chg QQuarterly Revenue Change % is -97% Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -36% 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 -1496% Key risksGOCO key risks include [1] a potentially crippling Department of Justice lawsuit alleging illegal kickback schemes and [2] acute financial instability, Show more. |
| 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 -123%, 3Y Excs Rtn is -162% |
| Not profitable at operating income levelOp Inc LTMOperating Income, Last Twelve Months is -153 Mil, Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is -42% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 3711% |
| Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -55%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -9.9%, Rev Chg QQuarterly Revenue Change % is -97% |
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -36% |
| 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 -1496% |
| 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
AI Analysis | Feedback
1. Catastrophic Financial Decline in Fiscal Year 2025.
GoHealth reported a severe financial downturn for the full year 2025, which significantly impacted its stock performance. Net revenues plummeted by 54.7% year-over-year to $361.8 million. The company incurred a net loss of $497.8 million, a substantial worsening from a net loss of $7.3 million in 2024. Furthermore, Adjusted EBITDA swung from a positive $120.3 million in 2024 to a negative $(35.1) million in 2025, reflecting a significant deterioration in operational profitability.
2. Strategic Pullback in Medicare Advantage Activities.
GoHealth intentionally implemented a strategic pullback in its Medicare Advantage activities throughout 2025. This decision was driven by a "structural reset" in the Medicare Advantage market, prompting the company to prioritize cash preservation, retention, and member quality over generating new sales, particularly in areas with weak first-renewal economics. While a strategic pivot, this directly contributed to the steep decline in revenue and increased losses as the company scaled back operations in a core business segment.
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Stock Movement Drivers
Fundamental Drivers
The -50.2% change in GOCO stock from 12/31/2025 to 4/14/2026 was primarily driven by a -51.0% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 12312025 | 4142026 | Change |
|---|---|---|---|
| Stock Price ($) | 2.15 | 1.07 | -50.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 738 | 362 | -51.0% |
| P/S Multiple | 0.0 | 0.0 | 15.7% |
| Shares Outstanding (Mil) | 14 | 16 | -12.2% |
| Cumulative Contribution | -50.2% |
Market Drivers
12/31/2025 to 4/14/2026| Return | Correlation | |
|---|---|---|
| GOCO | -50.2% | |
| Market (SPY) | -5.4% | 33.0% |
| Sector (XLF) | -5.5% | 34.1% |
Fundamental Drivers
The -77.8% change in GOCO stock from 9/30/2025 to 4/14/2026 was primarily driven by a -56.0% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 9302025 | 4142026 | Change |
|---|---|---|---|
| Stock Price ($) | 4.82 | 1.07 | -77.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 822 | 362 | -56.0% |
| P/S Multiple | 0.1 | 0.0 | -25.0% |
| Shares Outstanding (Mil) | 11 | 16 | -32.8% |
| Cumulative Contribution | -77.8% |
Market Drivers
9/30/2025 to 4/14/2026| Return | Correlation | |
|---|---|---|
| GOCO | -77.8% | |
| Market (SPY) | -2.9% | 39.0% |
| Sector (XLF) | -3.5% | 37.6% |
Fundamental Drivers
The -91.3% change in GOCO stock from 3/31/2025 to 4/14/2026 was primarily driven by a -69.5% change in the company's P/S Multiple.| (LTM values as of) | 3312025 | 4142026 | Change |
|---|---|---|---|
| Stock Price ($) | 12.27 | 1.07 | -91.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 799 | 362 | -54.7% |
| P/S Multiple | 0.2 | 0.0 | -69.5% |
| Shares Outstanding (Mil) | 10 | 16 | -37.0% |
| Cumulative Contribution | -91.3% |
Market Drivers
3/31/2025 to 4/14/2026| Return | Correlation | |
|---|---|---|
| GOCO | -91.3% | |
| Market (SPY) | 16.3% | 32.5% |
| Sector (XLF) | 5.0% | 37.8% |
Fundamental Drivers
The -93.4% change in GOCO stock from 3/31/2023 to 4/14/2026 was primarily driven by a -79.2% change in the company's P/S Multiple.| (LTM values as of) | 3312023 | 4142026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.28 | 1.07 | -93.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 632 | 362 | -42.7% |
| P/S Multiple | 0.2 | 0.0 | -79.2% |
| Shares Outstanding (Mil) | 9 | 16 | -44.7% |
| Cumulative Contribution | -93.4% |
Market Drivers
3/31/2023 to 4/14/2026| Return | Correlation | |
|---|---|---|
| GOCO | -93.4% | |
| Market (SPY) | 63.3% | 22.2% |
| Sector (XLF) | 68.2% | 23.5% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| GOCO Return | -72% | -82% | 28% | 0% | -84% | -51% | -99% |
| Peers Return | -59% | -67% | 86% | 98% | -11% | -28% | -68% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 81% |
Monthly Win Rates [3] | |||||||
| GOCO Win Rate | 42% | 25% | 50% | 58% | 25% | 50% | |
| Peers Win Rate | 35% | 33% | 53% | 57% | 45% | 35% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| GOCO Max Drawdown | -76% | -91% | -27% | -44% | -84% | -51% | |
| Peers Max Drawdown | -63% | -77% | -18% | -34% | -35% | -40% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[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 4/14/2026 (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 |
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)
AI Analysis | Feedback
An Expedia or Kayak, but for health insurance plans, especially Medicare.
A NerdWallet that helps individuals find and compare health insurance options.
Like LendingTree, but for health and Medicare insurance plans.
AI Analysis | Feedback
- Medicare Advantage Plans: Comprehensive health insurance plans provided by private companies approved by Medicare, covering hospital, medical, and often prescription drug benefits.
- Medicare Supplement Plans: Insurance plans designed to help pay for out-of-pocket costs not covered by Original Medicare, such as deductibles, copayments, and coinsurance.
- Medicare Prescription Drug Plans: Stand-alone insurance plans that help Medicare beneficiaries cover the cost of prescription medications.
- Medicare Special Needs Plans: Medicare Advantage plans tailored for individuals with specific diseases, conditions, or characteristics.
- Individual and Family Plans (IFP): Health insurance policies purchased directly by individuals or families rather than through an employer or government program.
- Dental Plans: Insurance coverage that helps reduce the costs associated with dental care and procedures.
- Vision Plans: Insurance coverage that helps reduce the costs associated with eye exams, eyeglasses, and contact lenses.
- Other Ancillary Plans: Various additional insurance products covering non-medical expenses or specific health-related needs.
AI Analysis | Feedback
GoHealth (GOCO) primarily sells its services to individuals seeking health insurance and related plans. Based on the company description, the major categories of customers it serves are:
Medicare-eligible individuals: These customers are seeking Medicare Advantage, Medicare Supplement, Medicare prescription drug plans, and Medicare Special Needs Plans, aligning with GoHealth's focus as a "Medicare focused digital health company."
Individuals and families seeking health insurance: This category includes customers looking for Individual and Family Plans (IFP).
Individuals seeking ancillary plans: These customers are interested in dental plans, vision plans, and other supplemental ancillary plans.
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Here is information about the management team members of GoHealth (GOCO):Vijay Kotte, Chief Executive Officer
Vijay Kotte has served as GoHealth's CEO since June 2022. He brings over two decades of experience in developing and transforming innovative healthcare models and Medicare-focused platforms, having held leadership roles at both public and private ventures. Prior to joining GoHealth, Mr. Kotte was the Chief Solutions Officer and Executive Vice President, Strategy & Corporate Development at R1. He also served as Chief Value Officer and previously Chief Financial Officer for DaVita Medical Group. Earlier in his career, he was President and Chief Operating Officer of Medicare operations for Meridian Health Plan and President of the Midwest region for WellCare Health Plans.
Brendan Shanahan, Chief Financial Officer
Brendan Shanahan was appointed Chief Financial Officer of GoHealth, effective October 14, 2024. He possesses over 30 years of financial leadership experience, with more than 20 years specializing in the Medicare Advantage sector. Mr. Shanahan has a history of building high-performing finance teams, implementing systems to optimize financial operations, and playing key roles in mergers and acquisitions.
Katherine O'Halloran, Chief Accounting Officer
Katherine O'Halloran serves as the Chief Accounting Officer for GoHealth. She was appointed as interim Chief Financial Officer from June 2024 to October 2024, following the departure of the previous CFO. Ms. O'Halloran brings 30 years of experience in finance and accounting, including a prior role as Chief Financial Officer at VanEnkevort Tug & Barge, Inc., and 16 years in finance and accounting leadership at Great Lakes Dredge & Dock Corporation.
AI Analysis | Feedback
GoHealth, Inc. (GOCO) faces several key risks to its business, primarily stemming from its dependence on the Medicare market and the regulatory environment governing it.Key Risks to GoHealth (GOCO)
- Regulatory Scrutiny and Changes to Medicare Agent Commissions: The most significant risk to GoHealth is the potential for adverse regulatory changes, particularly proposed rule changes by the Centers for Medicare & Medicaid Services (CMS) that could cap Medicare Advantage agent commissions. Such changes directly threaten GoHealth's largest revenue stream and necessitate a rapid strategic pivot. The health insurance industry's regulatory environment is complex and subject to frequent modifications, and non-compliance could significantly impact the company's operations and financial performance.
- Intense Competition and Shifting Market Dynamics in the Medicare Market: GoHealth operates in a highly competitive Medicare market valued at $450 billion. The increasing focus of health plans on profitability and member retention, rather than solely on enrollment growth, presents a challenge to GoHealth's business model, impacting its revenue and earnings.
- Reliance on a Concentrated Group of Health Plan Partners: GoHealth's business is substantially reliant on a limited number of health plan partners. Any shifts in these critical relationships, such as reductions in commissions or terminations of contracts, could materially and adversely affect GoHealth's financial condition and operational results. Industry consolidation within the health insurance sector could further intensify this risk by concentrating revenue sources and increasing vulnerability to changes with these partners.
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AI Analysis | Feedback
GoHealth, Inc. (GOCO) operates in several key addressable markets within the United States, primarily focused on Medicare plans and individual and family health insurance, as well as ancillary dental and vision plans.
Medicare Advantage (U.S. Market)
The Medicare Advantage market in the U.S. is substantial and growing. In 2025, enrollment reached 34.1 million beneficiaries, accounting for 54% of all eligible Medicare individuals. More recently, in February 2026, enrollment further increased to 35.4 million beneficiaries. The global Medicare Advantage market size, which includes the U.S., is estimated at USD 445.97 billion in 2025 and is projected to expand to USD 1,060.04 billion by 2034, growing at a compound annual growth rate (CAGR) of 10.1%. Special Needs Plans (SNPs), a product offered by GoHealth, served over 7.3 million beneficiaries in 2025, representing 21% of total Medicare Advantage membership.
Medicare Supplement (U.S. Market)
The U.S. Medicare Supplement (Medigap) health insurance market was valued at USD 26.97 billion in 2022 and is projected to grow to USD 39.26 billion by 2030, with a CAGR of 5.0% from 2023 to 2030. Another estimate places the market size at USD 30.55 billion in 2025, with a projection to reach USD 50.33 billion by 2035, growing at a CAGR of 5.10% from 2026 to 2035. As of 2024, over 14 million Americans were enrolled in Medigap plans.
Medicare Prescription Drug Plans (Part D) (U.S. Market)
In 2025, approximately 54.8 million Medicare beneficiaries in the U.S. were enrolled in Medicare Part D plans. Of these, 58% were in Medicare Advantage Prescription Drug (MA-PD) plans, and 42% were in stand-alone Prescription Drug Plans (PDPs). As of March 1, 2025, stand-alone Medicare Part D plans covered 23.19 million members.
Individual and Family Plans (IFP) (U.S. Market)
The U.S. individual health insurance market was valued at USD 1.60 trillion in 2022 and is expected to grow to USD 2.54 trillion by 2030, with a CAGR of 6.08% from 2023 to 2030. The market included an estimated 22 million members in 2025 and is projected to decline to 15 million by 2035. Another source indicates the market is expected to increase from US$1.8 billion in 2024 to US$2.7 billion by the end of 2031, growing at a CAGR of 5.9% from 2024 to 2031.
Dental Plans (U.S. Market)
The U.S. dental insurance market size shows some variation across reports. It was valued at USD 6.22 billion in 2024 and is expected to reach USD 10.34 billion by 2030, rising at a CAGR of 6.21%. Other estimates place the U.S. dental insurance market size at USD 90.02 billion in 2024, growing to USD 97.97 billion in 2025, and projected to reach USD 209.46 billion by 2034, expanding at a CAGR of 8.84%. The U.S. dental insurance market for individuals was valued at USD 6.76 billion in 2024 and is expected to reach USD 11.28 billion by 2032.
Vision Plans (U.S. Market)
The market size of Vision Insurance in the U.S. was $49.1 billion in 2024 and is projected to reach $50.6 billion in 2025. North America leads the vision insurance market due to strong eye health awareness and robust healthcare systems. Approximately one in four Americans had stand-alone dental or vision insurance in 2024.
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Here are the expected drivers of future revenue growth for GoHealth (GOCO) over the next 2-3 years:
- Optimized Customer Acquisition and Operational Efficiency: GoHealth anticipates driving revenue growth through increased captive agency submission volumes and ongoing improvements in operational efficiency. The company reported a 19% year-over-year revenue increase in Q1 2025, largely attributed to higher captive agency submission volumes and enhanced operational effectiveness. Furthermore, GoHealth achieved an 18.4% improvement in its Direct Operating Cost per Submission in Q1 2025, indicating a strong focus on cost discipline alongside growth.
- Expansion through Product Innovation and AI-driven Tools: The company expects new product offerings and technological advancements to be key growth drivers. GoHealth is optimistic about the traction of its new product, GoHealthProtect, in Q2 and Q3 2025. CEO Vijay Kotte highlighted the significant role of innovation and the deployment of AI tools, such as Plan GPT and Plan Fit, in improving consumer experiences and empowering agents. These innovations are geared towards enhancing agent effectiveness and member retention.
- Enhanced Member Retention and Lifetime Value (LTV) through Strategic Focus: GoHealth is strategically prioritizing member retention and policy quality over short-term enrollment volume to build a more stable and valuable customer base. Although this led to a significant revenue decline in Q3 2025 due to a pullback in Medicare Advantage enrollment, it is a deliberate move to stabilize the long-term customer base. The stabilization of membership persistency and lifetime value (LTV) over the past two years is also identified as a favorable trend for future financial health.
- Strategic Mergers & Acquisitions and Industry Consolidation: GoHealth is positioned to pursue strategic mergers and acquisitions (M&A) to drive scale and efficiency in a fragmented market. The company has secured a new loan facility that provides the financial flexibility to actively engage in M&A opportunities. Leadership anticipates market rationalization within the next 12-24 months and believes GoHealth is uniquely positioned to be a disciplined acquirer and integrator, utilizing its proprietary technology, automation, and AI.
- Targeted Growth in Special Needs Plans (SNP): A specific area of focus for future revenue growth is the expansion of Special Needs Plans (SNP). GoHealth is prioritizing SNP growth, a segment within the Medicare market where the company already holds a leadership position. This targeted approach aims to capitalize on opportunities within a specialized and growing market segment.
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Share Issuance
- In August 2025, GoHealth issued 4,766,219 shares of Class A common stock to its lenders as part of strategic capital actions aimed at enhancing financial flexibility and amending an existing credit agreement.
- The CEO was eligible for a 2025 annual grant of restricted stock units valued at $5,000,000 under the company's 2020 Incentive Award Plan, with 185,000 shares granted on April 1, 2025, and the remainder around July 1, 2025.
- On April 1, 2025, the CEO also received a grant of 500,000 restricted stock units that vested immediately.
Inbound Investments
- In August 2025, GoHealth secured a new senior secured superpriority term loan facility totaling $115.0 million, which included $80.0 million in new-money term loans and $35.0 million in roll-up loans, to enhance financial flexibility and support working capital.
Capital Expenditures
- For the twelve months leading up to mid-2025, GoHealth reported capital expenditures of approximately $10.47 million, reflecting modest spending on long-term assets.
- The company has focused investments on continuously refining its technology platform, tools, and product offerings, including the launch of its "GoHealth Protect" suite of products.
- These investments in high-return initiatives like GoHealth Protect are expected to enhance cash flow generation and reduce customer acquisition costs across the business.
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 |
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| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 3.1% | 3.1% | 0.0% |
| 03202026 | MKTX | MarketAxess | 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 | -5.2% | -5.2% | -5.7% |
| 04302021 | GOCO | GoHealth | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | -54.7% | -93.7% | -93.9% |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 1.74 |
| Mkt Cap | 0.6 |
| Rev LTM | 1,772 |
| Op Inc LTM | 15 |
| FCF LTM | -21 |
| FCF 3Y Avg | -11 |
| CFO LTM | -7 |
| CFO 3Y Avg | 1 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 19.3% |
| Rev Chg 3Y Avg | 21.7% |
| Rev Chg Q | 14.4% |
| QoQ Delta Rev Chg LTM | 3.6% |
| Op Mgn LTM | 0.4% |
| Op Mgn 3Y Avg | -3.5% |
| QoQ Delta Op Mgn LTM | 0.2% |
| CFO/Rev LTM | -1.4% |
| CFO/Rev 3Y Avg | -1.3% |
| FCF/Rev LTM | -1.9% |
| FCF/Rev 3Y Avg | -2.5% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.6 |
| P/S | 0.2 |
| P/EBIT | 0.3 |
| P/E | -4.9 |
| P/CFO | 1.9 |
| Total Yield | -4.1% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | -6.4% |
| D/E | 1.6 |
| Net D/E | 0.6 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 8.0% |
| 3M Rtn | -35.9% |
| 6M Rtn | -44.3% |
| 12M Rtn | -60.4% |
| 3Y Rtn | 40.7% |
| 1M Excs Rtn | 2.9% |
| 3M Excs Rtn | -38.9% |
| 6M Excs Rtn | -46.9% |
| 12M Excs Rtn | -92.3% |
| 3Y Excs Rtn | -33.4% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| 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
| Market Price | $1.07 | |
| Market Cap ($ Bil) | 0.0 | |
| First Trading Date | 07/15/2020 | |
| Distance from 52W High | -90.5% | |
| 50 Days | 200 Days | |
| DMA Price | $1.60 | $3.53 |
| DMA Trend | down | down |
| Distance from DMA | -33.3% | -69.7% |
| 3M | 1YR | |
| Volatility | 103.2% | 82.1% |
| Downside Capture | 2.18 | 2.31 |
| Upside Capture | 85.44 | 54.32 |
| Correlation (SPY) | 29.9% | 33.1% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 2.63 | 2.26 | 2.71 | 2.86 | 1.42 | 1.18 |
| Up Beta | 11.66 | 5.13 | 4.43 | 3.67 | 0.79 | 0.86 |
| Down Beta | 5.17 | 3.26 | 3.36 | 3.06 | 1.90 | 1.65 |
| Up Capture | 357% | 89% | 177% | 133% | 34% | 25% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 10 | 18 | 27 | 51 | 99 | 340 |
| Down Capture | -22% | 200% | 223% | 242% | 167% | 110% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 12 | 23 | 34 | 71 | 147 | 400 |
[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 | -89.9% | 82.1% | -2.43 | - |
| Sector ETF (XLF) | 14.0% | 15.4% | 0.65 | 37.7% |
| Equity (SPY) | 24.2% | 12.9% | 1.49 | 35.2% |
| Gold (GLD) | 53.4% | 27.6% | 1.55 | -4.0% |
| Commodities (DBC) | 26.8% | 16.2% | 1.47 | 0.4% |
| Real Estate (VNQ) | 18.7% | 13.8% | 1.00 | 21.1% |
| Bitcoin (BTCUSD) | -6.8% | 42.9% | -0.05 | 22.5% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with GOCO | |
|---|---|---|---|---|
| GOCO | -64.2% | 93.4% | -0.66 | - |
| Sector ETF (XLF) | 10.0% | 18.7% | 0.42 | 23.9% |
| Equity (SPY) | 11.1% | 17.0% | 0.50 | 26.3% |
| Gold (GLD) | 22.5% | 17.8% | 1.03 | 1.4% |
| Commodities (DBC) | 11.7% | 18.8% | 0.51 | 4.4% |
| Real Estate (VNQ) | 3.9% | 18.8% | 0.11 | 22.3% |
| Bitcoin (BTCUSD) | 5.8% | 56.5% | 0.32 | 10.9% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with GOCO | |
|---|---|---|---|---|
| GOCO | -43.1% | 90.7% | -0.66 | - |
| Sector ETF (XLF) | 13.1% | 22.2% | 0.54 | 22.4% |
| Equity (SPY) | 14.0% | 17.9% | 0.67 | 25.6% |
| Gold (GLD) | 14.3% | 15.9% | 0.75 | 1.7% |
| Commodities (DBC) | 8.8% | 17.6% | 0.42 | 5.0% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.23 | 21.8% |
| Bitcoin (BTCUSD) | 67.7% | 66.9% | 1.07 | 10.1% |
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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 |
|---|---|---|
| 12/31/2025 | 03/31/2026 | 10-K |
| 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 |
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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