4.6 USD
+0.06 (+1.32%)
4.6 USD
0 (0%)
Taking everything into account, EHTH scores 4 out of 10 in our fundamental rating. EHTH was compared to 148 industry peers in the Insurance industry. While EHTH seems to be doing ok healthwise, there are quite some concerns on its profitability. EHTH has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year EHTH was profitable.
EHTH had a negative operating cash flow in the past year.
In the past 5 years EHTH reported 4 times negative net income.
In the past 5 years EHTH always reported negative operating cash flow.
1.2 Ratios
EHTH's Return On Assets of 0.13% is on the low side compared to the rest of the industry. EHTH is outperformed by 83.11% of its industry peers.
EHTH has a Return On Equity of 0.15%. This is amonst the worse of the industry: EHTH underperforms 81.76% of its industry peers.
Looking at the Return On Invested Capital, with a value of 4.36%, EHTH is in the better half of the industry, outperforming 73.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.13% | ||
| ROE | 0.15% | ||
| ROIC | 4.36% |
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 worse Profit Margin (0.25%) than 83.11% of its industry peers.
EHTH has a Operating Margin of 10.12%. This is in the lower half of the industry: EHTH underperforms 60.81% of its industry peers.
In the last couple of years the Operating Margin of EHTH has declined.
The Gross Margin of EHTH (97.73%) 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 | 10.12% | ||
| PM (TTM) | 0.25% | ||
| GM | 97.73% |
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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EHTH is destroying value.
EHTH has more shares outstanding than it did 1 year ago.
EHTH has more shares outstanding than it did 5 years ago.
EHTH has a better debt/assets ratio than last year.
2.2 Solvency
EHTH has an Altman-Z score of 1.44. This is a bad value and indicates that EHTH is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.44, EHTH belongs to the top of the industry, outperforming 83.11% of the companies in the same industry.
EHTH has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
EHTH's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. EHTH outperforms 79.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.44 |
ROIC/WACC0.46
WACC9.43%
2.3 Liquidity
A Current Ratio of 5.91 indicates that EHTH has no problem at all paying its short term obligations.
EHTH's Current ratio of 5.91 is amongst the best of the industry. EHTH outperforms 95.95% of its industry peers.
EHTH has a Quick Ratio of 5.91. This indicates that EHTH is financially healthy and has no problem in meeting its short term obligations.
EHTH has a better Quick ratio (5.91) than 95.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.91 | ||
| Quick Ratio | 5.91 |
3. Growth
3.1 Past
EHTH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 129.44%, which is quite impressive.
The Revenue has grown by 16.79% in the past year. This is quite good.
The Revenue has been growing slightly by 1.01% on average over the past years.
EPS 1Y (TTM)129.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2.04%
Revenue 1Y (TTM)16.79%
Revenue growth 3Y-0.36%
Revenue growth 5Y1.01%
Sales Q2Q%-7.77%
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 129.59% on average per year.
The Revenue is expected to grow by 5.82% on average over the next years.
EPS Next Y403.57%
EPS Next 2Y97.95%
EPS Next 3Y129.6%
EPS Next 5YN/A
Revenue Next Year8.91%
Revenue Next 2Y4.24%
Revenue Next 3Y4.87%
Revenue Next 5Y5.82%
3.3 Evolution
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.93, the valuation of EHTH can be described as very cheap.
Based on the Price/Earnings ratio, EHTH is valued a bit cheaper than 77.03% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.51. EHTH is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 11.42, the valuation of EHTH can be described as reasonable.
EHTH's Price/Forward Earnings is on the same level as the industry average.
EHTH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.93 | ||
| Fwd PE | 11.42 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EHTH is valued cheaply inside the industry as 93.24% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.78 |
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.
A more expensive valuation may be justified as EHTH's earnings are expected to grow with 129.59% in the coming years.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y97.95%
EPS Next 3Y129.6%
5. Dividend
5.1 Amount
No dividends for EHTH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
4.6
+0.06 (+1.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners74.48%
Inst Owner Change-6.41%
Ins Owners4.73%
Ins Owner Change-0.06%
Market Cap141.50M
Revenue(TTM)542.95M
Net Income(TTM)1.35M
Analysts74.55
Price Target8.67 (88.48%)
Short Float %2.75%
Short Ratio2.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)7.38%
Min EPS beat(2)2.1%
Max EPS beat(2)12.66%
EPS beat(4)4
Avg EPS beat(4)18.44%
Min EPS beat(4)2.1%
Max EPS beat(4)53.86%
EPS beat(8)4
Avg EPS beat(8)-2.51%
EPS beat(12)7
Avg EPS beat(12)8.77%
EPS beat(16)10
Avg EPS beat(16)6.52%
Revenue beat(2)1
Avg Revenue beat(2)14.57%
Min Revenue beat(2)-0.47%
Max Revenue beat(2)29.61%
Revenue beat(4)3
Avg Revenue beat(4)12.3%
Min Revenue beat(4)-0.47%
Max Revenue beat(4)29.61%
Revenue beat(8)5
Avg Revenue beat(8)9.57%
Revenue beat(12)8
Avg Revenue beat(12)10.38%
Revenue beat(16)10
Avg Revenue beat(16)6.23%
PT rev (1m)-2.86%
PT rev (3m)-8.11%
EPS NQ rev (1m)5.04%
EPS NQ rev (3m)10.06%
EPS NY rev (1m)58.23%
EPS NY rev (3m)58.23%
Revenue NQ rev (1m)-0.52%
Revenue NQ rev (3m)-0.98%
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)-0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.93 | ||
| Fwd PE | 11.42 | ||
| P/S | 0.26 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.16 | ||
| P/tB | 0.16 | ||
| EV/EBITDA | 1.78 |
EPS(TTM)0.58
EY12.61%
EPS(NY)0.4
Fwd EY8.76%
FCF(TTM)-1.08
FCFYN/A
OCF(TTM)-0.55
OCFYN/A
SpS17.65
BVpS28.75
TBVpS28.75
PEG (NY)0.02
PEG (5Y)N/A
Graham Number19.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.13% | ||
| ROE | 0.15% | ||
| ROCE | 5.52% | ||
| ROIC | 4.36% | ||
| ROICexc | 4.71% | ||
| ROICexgc | 4.71% | ||
| OM | 10.12% | ||
| PM (TTM) | 0.25% | ||
| GM | 97.73% | ||
| 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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.52
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 1 | ||
| Cap/Depr | 112.82% | ||
| Cap/Sales | 2.99% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 5.91 | ||
| Quick Ratio | 5.91 | ||
| Altman-Z | 1.44 |
F-Score5
WACC9.43%
ROIC/WACC0.46
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)129.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2.04%
EPS Next Y403.57%
EPS Next 2Y97.95%
EPS Next 3Y129.6%
EPS Next 5YN/A
Revenue 1Y (TTM)16.79%
Revenue growth 3Y-0.36%
Revenue growth 5Y1.01%
Sales Q2Q%-7.77%
Revenue Next Year8.91%
Revenue Next 2Y4.24%
Revenue Next 3Y4.87%
Revenue Next 5Y5.82%
EBIT growth 1Y370.77%
EBIT growth 3YN/A
EBIT growth 5Y-20.72%
EBIT Next Year138.11%
EBIT Next 3Y38.12%
EBIT Next 5YN/A
FCF growth 1Y-861.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-310.33%
OCF growth 3YN/A
OCF growth 5YN/A
EHEALTH INC / EHTH FAQ
What is the ChartMill fundamental rating of EHEALTH INC (EHTH) stock?
ChartMill assigns a fundamental rating of 4 / 10 to EHTH.
What is the valuation status of EHEALTH INC (EHTH) stock?
ChartMill assigns a valuation rating of 6 / 10 to EHEALTH INC (EHTH). This can be considered as Fairly Valued.
What is the profitability of EHTH stock?
EHEALTH INC (EHTH) has a profitability rating of 2 / 10.
Can you provide the financial health for EHTH stock?
The financial health rating of EHEALTH INC (EHTH) is 5 / 10.