EHEALTH INC(NASDAQ:EHTH) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, EHTH scores 4 out of 10 in our fundamental rating. EHTH was compared to 143 industry peers in the Insurance industry. The financial health of EHTH is average, but there are quite some concerns on its profitability. EHTH has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

EHTH had positive earnings in the past year.

In the past year EHTH has reported a negative cash flow from operations.

EHTH had negative earnings in 4 of the past 5 years.

EHTH had a negative operating cash flow in each of the past 5 years.

1.2 Ratios

With a Return On Assets value of -1.51%, EHTH is not doing good in the industry: 88.11% of the companies in the same industry are doing better.

With a Return On Equity value of -1.85%, EHTH is not doing good in the industry: 84.62% of the companies in the same industry are doing better.

EHTH has a Return On Invested Capital of 3.68%. This is in the better half of the industry: EHTH outperforms 71.33% of its industry peers.

		Industry Rank	Sector Rank
ROA	-1.51%
ROE	-1.85%
ROIC	3.68%

ROA(3y)-6.58%

ROA(5y)-5.21%

ROE(3y)-8.06%

ROE(5y)-6.26%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

EHTH has a Operating Margin (8.95%) which is in line with its industry peers.

In the last couple of years the Operating Margin of EHTH has declined.

The Gross Margin of EHTH (96.03%) is better than 100.00% of its industry peers.

EHTH's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	8.95%
PM (TTM)	N/A
GM	96.03%

OM growth 3YN/A

OM growth 5Y-21.51%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y0.01%

GM growth 5Y0.04%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EHTH is destroying value.

Compared to 1 year ago, EHTH has more shares outstanding

EHTH has more shares outstanding than it did 5 years ago.

EHTH has a better debt/assets ratio than last year.

2.2 Solvency

Based on the Altman-Z score of 1.28, we must say that EHTH is in the distress zone and has some risk of bankruptcy.

With an excellent Altman-Z score value of 1.28, EHTH belongs to the best of the industry, outperforming 82.52% of the companies in the same industry.

EHTH has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.

With an excellent Debt to Equity ratio value of 0.07, EHTH belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	N/A
Altman-Z	1.28

ROIC/WACC0.38

WACC9.64%

2.3 Liquidity

EHTH has a Current Ratio of 2.58. This indicates that EHTH is financially healthy and has no problem in meeting its short term obligations.

EHTH has a Current ratio of 2.58. This is amongst the best in the industry. EHTH outperforms 93.01% of its industry peers.

A Quick Ratio of 2.58 indicates that EHTH has no problem at all paying its short term obligations.

EHTH's Quick ratio of 2.58 is amongst the best of the industry. EHTH outperforms 93.01% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.58
Quick Ratio	2.58

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

EHTH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 120.69%, which is quite impressive.

Looking at the last year, EHTH shows a quite strong growth in Revenue. The Revenue has grown by 17.04% in the last year.

Measured over the past years, EHTH shows a small growth in Revenue. The Revenue has been growing by 1.01% on average per year.

EPS 1Y (TTM)120.69%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%74.03%

Revenue 1Y (TTM)17.04%

Revenue growth 3Y-0.36%

Revenue growth 5Y1.01%

Sales Q2Q%21.68%

3.2 Future

Based on estimates for the next years, EHTH will show a very strong growth in Earnings Per Share. The EPS will grow by 71.68% on average per year.

Based on estimates for the next years, EHTH will show a small growth in Revenue. The Revenue will grow by 6.52% on average per year.

EPS Next Y211.71%

EPS Next 2Y139.25%

EPS Next 3Y71.68%

EPS Next 5YN/A

Revenue Next Year5.94%

Revenue Next 2Y6.5%

Revenue Next 3Y6.52%

Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.69, the valuation of EHTH can be described as correct.

EHTH's Price/Earnings is on the same level as the industry average.

EHTH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.03.

A Price/Forward Earnings ratio of 5.84 indicates a rather cheap valuation of EHTH.

Based on the Price/Forward Earnings ratio, EHTH is valued a bit cheaper than 77.62% of the companies in the same industry.

EHTH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.94.

		Industry Rank	Sector Rank
PE	12.69
Fwd PE	5.84

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	-0.79

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

EHTH's earnings are expected to grow with 71.68% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.06

PEG (5Y)N/A

EPS Next 2Y139.25%

EPS Next 3Y71.68%

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5. Dividend

5.1 Amount

No dividends for EHTH!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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EHEALTH INC

NASDAQ:EHTH (5/21/2025, 8:00:01 PM)

After market: 4.57 0 (0%)

4.57

-0.15 (-3.18%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)05-07 2025-05-07/bmo

Earnings (Next)08-05 2025-08-05/bmo

Inst Owners68.53%

Inst Owner Change6.21%

Ins Owners4.79%

Ins Owner Change1.4%

Market Cap138.61M

Analysts74.55

Price Target10.84 (137.2%)

Short Float %0.97%

Short Ratio0.95

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)29.51%

Min EPS beat(2)5.16%

Max EPS beat(2)53.86%

EPS beat(4)2

Avg EPS beat(4)2.58%

Min EPS beat(4)-36.55%

Max EPS beat(4)53.86%

EPS beat(8)3

Avg EPS beat(8)-2.83%

EPS beat(12)7

Avg EPS beat(12)9.43%

EPS beat(16)9

Avg EPS beat(16)2.87%

Revenue beat(2)2

Avg Revenue beat(2)10.04%

Min Revenue beat(2)8.76%

Max Revenue beat(2)11.32%

Revenue beat(4)3

Avg Revenue beat(4)8.8%

Min Revenue beat(4)-2.21%

Max Revenue beat(4)17.34%

Revenue beat(8)6

Avg Revenue beat(8)11.82%

Revenue beat(12)8

Avg Revenue beat(12)5.92%

Revenue beat(16)10

Avg Revenue beat(16)2.64%

PT rev (1m)0%

PT rev (3m)23.19%

EPS NQ rev (1m)-15.7%

EPS NQ rev (3m)-21.39%

EPS NY rev (1m)-50%

EPS NY rev (3m)-60%

Revenue NQ rev (1m)-16.51%

Revenue NQ rev (3m)-22.09%

Revenue NY rev (1m)0.37%

Revenue NY rev (3m)0.49%

Valuation

		Industry Rank	Sector Rank
PE	12.69
Fwd PE	5.84
P/S	0.25
P/FCF	N/A
P/OCF	N/A
P/B	0.15
P/tB	0.15
EV/EBITDA	-0.79

EPS(TTM)0.36

EY7.88%

EPS(NY)0.78

Fwd EY17.11%

FCF(TTM)-0.85

FCFYN/A

OCF(TTM)-0.4

OCFYN/A

SpS18.22

BVpS30.65

TBVpS30.65

PEG (NY)0.06

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-1.51%
ROE	-1.85%
ROCE	4.98%
ROIC	3.68%
ROICexc	4.31%
ROICexgc	4.31%
OM	8.95%
PM (TTM)	N/A
GM	96.03%
FCFM	N/A

ROA(3y)-6.58%

ROA(5y)-5.21%

ROE(3y)-8.06%

ROE(5y)-6.26%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5Y-29.28%

ROICexc growth 3YN/A

ROICexc growth 5Y-27.96%

OM growth 3YN/A

OM growth 5Y-21.51%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y0.01%

GM growth 5Y0.04%

F-Score5

Asset Turnover0.49

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	N/A
Debt/EBITDA	1.05
Cap/Depr	86.93%
Cap/Sales	2.5%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	2.58
Quick Ratio	2.58
Altman-Z	1.28

F-Score5

WACC9.64%

ROIC/WACC0.38

Cap/Depr(3y)68.76%

Cap/Depr(5y)100.09%

Cap/Sales(3y)2.87%

Cap/Sales(5y)3.31%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)120.69%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%74.03%

EPS Next Y211.71%

EPS Next 2Y139.25%

EPS Next 3Y71.68%

EPS Next 5YN/A

Revenue 1Y (TTM)17.04%

Revenue growth 3Y-0.36%

Revenue growth 5Y1.01%

Sales Q2Q%21.68%

Revenue Next Year5.94%

Revenue Next 2Y6.5%

Revenue Next 3Y6.52%

Revenue Next 5YN/A

EBIT growth 1Y377.3%

EBIT growth 3YN/A

EBIT growth 5Y-20.72%

EBIT Next Year42.16%

EBIT Next 3Y25.22%

EBIT Next 5YN/A

FCF growth 1Y3.23%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y8.91%

OCF growth 3YN/A

OCF growth 5YN/A

EHEALTH INC (EHTH) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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