GoHealth, Inc. — Earnings Quality Grade F
GOCO · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO surged by 93 days (148 → 242)
Small-cap context: DSO swings on a small revenue base are more often quarterly customer-mix effects than red flags.
AR growth -26.2% vs revenue growth -54.7%
Revenue -54.7%, CFFO -464.4%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -39.9% vs revenue -54.7%. Normal
SG&A/Gross Profit = 78.0%, exceeds 70%
Gross margin swung -10.2pp (83.7% → 73.4%)
Cash Flow Quality
CFFO/NI = 0.47. Below 1.0
FCF is negative ($-0.1B)
Accruals ratio = -13.7%. Low accruals
Cash $0.0B covers only 5% of debt $0.7B
Balance Sheet Health
No goodwill. Clean balance sheet
Interest coverage = -1.8x (<2x). Financial stress
Other assets -65.1% vs revenue -54.7%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions negative for 2/3 years
Goodwill+Intangibles change -100% YoY. Normal
Manipulation Score
M-Score = -3.22 (< -2.22). Unlikely manipulator
Portfolio monitoring
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Beneish M-Score
Altman Z-Score — Not Applicable
GoHealth, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25