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GoHealth Inc. (GOCO) fair value: what the stock is really worth

As of Jun 17, 2026: fair value of GoHealth Inc. $0.56, price $0.34, upside +67.8%, quality 14 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · US · ISIN US38046W2044

GI GoHealth Inc. logo Thin data Jul 26, 2026

GoHealth Inc.

GOCO · US

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value $0.5620 · Strongly undervalued (+67.8%)
!Quality 14/100
!Weak Growth (revenue 5y −16.2 %/yr)
!Loss-making · -189.7% net margin (TTM)
!High debt · negative free cash flow
!Trails peers (3/9)
!Narrow moat 6/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$184.50 $0.2887 Fair Value $0.5620 Mar 2021 Jun 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $0.2887 – $184.50 · fair‑value band $0.4202 – $0.8388 · the $0.3350 price screens below the $0.5620 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

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Company profile

GoHealth, Inc. operates as a health insurance marketplace and Medicare-focused digital health company in the United States. The company offers Medicare plans, including Medicare advantage, Medicare supplement, prescription drug plans, and special needs plans.

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GoHealth, Inc. operates as a health insurance marketplace and Medicare-focused digital health company in the United States. The company offers Medicare plans, including Medicare advantage, Medicare supplement, prescription drug plans, and special needs plans. It also operates a technology platform that leverages machine-learning algorithms of insurance purchasing behavior to reimagine the process of matching a health plan for a consumer's specific needs. In addition, the company offers partner marketing services. It sells its products through internal and external agencies, as well as its platform. GoHealth, Inc. was founded in 2001 and is headquartered in Chicago, Illinois.

Stock analysis

GoHealth Inc. (GOCO) currently trades at $0.3350, while our model-based Fair Value estimate is $0.5620, implying the stock looks roughly 40.4% undervalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 80/100, which puts the evidence level at low.

Scenario range: $0.4202 (bear) to $0.8388 (bull), the price of $0.3350 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 14/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

GoHealth Inc. reported revenue of $362M in FY2025 versus $1.1B in FY2021, a compound −23.6%/yr. Reported net income was −$257M in FY2025.

Key figures

Market cap $8.9M · P/S ratio 0.06 · EPS (TTM) $−22.01 · Net margin −71.1% · Return on equity −290% · Return on assets (EBIT) −12.9% · Operating margin −292% · Revenue (TTM) $153M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).

What moves the price

The share trades about 95% below its 52-week high and 16% above its 52-week low.

For context, the median of 10 Financial Services peers we cover trades at −54% fair-value upside, at 68%, GOCO screens cheaper than that median.

Fair Value models

Bear $0.4202 Fair Value $0.5620 Bull $0.8388
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
NCAV (Graham) $2.84 $3.80 $5.68 54
All 1 models by family
Asset-Based
NCAV (Graham) $2.84 $3.80 $5.68 54

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Quality Score breakdown

Overall quality 14/100

Of which business quality 16 · Market factors (momentum, volatility) 7

Profitability 14
Margins and returns on capital today
Quality Growth 0
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 11
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 24
Calm price path (market factor)
Momentum 0
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−54.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−16.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−16.2%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.9%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−7.4% (2020) → −42.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Compare GoHealth Inc. with another stock

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance Brokers · 37 stocks

Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 16 · Bottom 25%
Fair Value upside +67.8% · Top 25%
Profitability
Return on assets −10.6% · Bottom 25%
Net margin (TTM) −189.7% · Bottom 25%
Growth and dividend
Revenue growth −94.6% · Bottom 25%
Balance sheet
Debt / equity 6.72× · Highest 25%

Valuation Multiplesvs Insurance Brokers median · lower = cheaper

P/B 0.09× · Cheapest 25%
P/S (TTM) 0.06× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 0
FUTURE (revenue growth)0 · sector 54
PAST (return on equity)0 · sector 56
HEALTH (low debt)0 · sector 84
DIVIDEND (yield)0 · sector 94

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Marsh & McLennan Companies, Inc MRSH $171.12 $78.64 −54%
Arthur J. Gallagher & Co AJG $229.46 $75.76 −67%
Aon plc AON $277.99 $120.53 −57%
Willis Towers Watson Public Limited WTW $293.99 $145.43 −51%
Brown & Brown, Inc BRO $61.77 $35.18 −43%
Erie Indemnity Company ERIE $222.43 $100.27 −55%
PB Fintech Limited POLICYBZR ₹1,166 ₹137.52 −88%
Steadfast Group SDF A$5.74 A$3.15 −45%
Accelerant Holdings ARX $19.73 $39.46 +100%
Neptune Insurance Holdings NP $27.51 $3.33 −88%

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GoHealth Inc. · Fair Value
$0.5620 +40%Fair Value
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Cite: Fair Value Calculator (2026). "GoHealth Inc. Fair Value". https://www.fairvalue-calculator.com/stock/GOCO

Frequently asked questions

Is GoHealth Inc. (GOCO) overvalued or undervalued?
As of Jul 26, 2026, our model estimates a fair value of $0.5620 versus the last price from Jun 17, 2026 of $0.3350, about +68% upside (undervalued).
What is the fair value of GOCO?
Our model-based fair value for GoHealth Inc. is $0.5620 (as of Jul 26, 2026), built from audited fundamentals. Last price (from Jun 17, 2026): $0.3350.
What is the quality score of GOCO?
GoHealth Inc. has a Quality Score of 14/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for GoHealth Inc. (GOCO)?
Our model-based price target is the fair value of $0.5620 (as of Jul 26, 2026) from 1 valuation models. Cautious scenario $0.4202, optimistic scenario $0.8388. It is a calculation from audited fundamentals, not an analyst target.
What is the GoHealth Inc. stock forecast for 2026?
Our models put fair value at $0.5620, about +68% upside versus the last price from Jun 17, 2026 of $0.3350 (undervalued). Cautious scenario $0.4202, optimistic scenario $0.8388. The calculation is refreshed regularly with new filings.
What is the revenue of GoHealth Inc. (GOCO)?
GoHealth Inc. reported trailing-twelve-month revenue of about $153M (latest available figure, as of Jul 26, 2026).
What is the intrinsic value of GoHealth Inc. (GOCO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For GoHealth Inc. it is $0.5620 per share (as of Jul 26, 2026), against a price of $0.3350. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is GoHealth Inc. stock overvalued or undervalued in 2026?
As of Jul 26, 2026, GOCO trades below its calculated fair value: price $0.3350, fair value $0.5620, a gap of about +68% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GOCO?
No. The price is what the market pays today ($0.3350); the fair value is what the company's own numbers justify ($0.5620). For GoHealth Inc. the two are $0.2270 per share apart. That gap is exactly why we show both numbers side by side.
How much is GoHealth Inc. worth?
The market values GoHealth Inc. at about $8.9M (market capitalisation, as of Jul 26, 2026). Per share that is $0.3350; our models calculate a fair value of $0.5620 per share.
What do the bullish and bearish scenarios say about GOCO?
Our models span a range for GoHealth Inc.: cautious scenario $0.4202, base $0.5620, optimistic $0.8388 per share (as of Jul 26, 2026, price $0.3350). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of GoHealth Inc. (GOCO)?
Balance-sheet figures for GoHealth Inc. (as of Jul 26, 2026): return on equity −289.9%, debt of 6.72 per unit of equity. They feed the Quality Score of 14/100, which measures business quality independently of the share price.
How far is GOCO from its 52-week high?
GoHealth Inc. trades at $0.3350, about 95% below its 52-week high of $6.42 and 16% above the low of $0.2887 (as of Jun 17, 2026). Distance from the high says nothing about value: that is what the fair value of $0.5620 is for.
Which stocks are comparable to GoHealth Inc.?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Arthur J. Gallagher & Co, Aon plc, Willis Towers Watson Public Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is GoHealth Inc. stock attractive at the current price?
The data as of Jul 26, 2026: price $0.3350, calculated fair value $0.5620 (+68%), Quality Score 14/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GOCO calculated?
We run GoHealth Inc. through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.5620, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. GoHealth Inc. currently trades 40 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of GoHealth Inc. (GOCO)?
The latest price we hold is from Jun 17, 2026 and stands at $0.3350. Our model-based fair value is $0.5620, about +68% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with GoHealth Inc. right now?
The large discount to fair value meets weak quality (14/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($0.4202). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($0.4202 to $0.8388) leaves room in how you read the outcome.

Key figures of GoHealth Inc.

How large is the market capitalisation of GoHealth Inc. (GOCO)?
The market capitalisation of GoHealth Inc. is $8.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of GoHealth Inc. (GOCO)?
The price-to-sales ratio of GoHealth Inc. is 0.06 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of GoHealth Inc. (GOCO)?
Earnings per share at GoHealth Inc. are $−22.01. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of GoHealth Inc. (GOCO)?
The net margin of GoHealth Inc. is −71.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of GoHealth Inc. (GOCO)?
The return on equity (ROE) of GoHealth Inc. is −290% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of GoHealth Inc. (GOCO)?
On an EBIT basis the return on assets of GoHealth Inc. is −12.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of GoHealth Inc. (GOCO)?
The operating margin of GoHealth Inc. is −292% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at GoHealth Inc. (GOCO)?
Revenue at GoHealth Inc. is growing −94.6% versus a year earlier (3y avg −16.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at GoHealth Inc. (GOCO)?
Earnings per share at GoHealth Inc. are growing +424% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does GoHealth Inc. (GOCO) generate?
The free cash flow of GoHealth Inc. is −$130M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does GoHealth Inc. (GOCO) carry?
The net debt of GoHealth Inc. is $640M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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