EHEALTH INC (EHTH) Stock Fundamental Analysis

NASDAQ:EHTH • US28238P1093

1.49 USD
-0.06 (-3.87%)
At close: Feb 19, 2026
1.51 USD
+0.02 (+1.34%)
After Hours: 2/19/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall EHTH gets a fundamental rating of 4 out of 10. We evaluated EHTH against 149 industry peers in the Insurance industry. While EHTH seems to be doing ok healthwise, there are quite some concerns on its profitability. EHTH is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • EHTH had positive earnings in the past year.
  • EHTH had a negative operating cash flow in the past year.
  • 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.
EHTH Yearly Net Income VS EBIT VS OCF VS FCFEHTH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M -150M

1.2 Ratios

  • EHTH has a worse Return On Assets (0.13%) than 81.88% of its industry peers.
  • Looking at the Return On Equity, with a value of 0.15%, EHTH is doing worse than 80.54% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 4.36%, EHTH is in the better half of the industry, outperforming 72.48% of the companies in the same industry.
Industry RankSector 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
EHTH Yearly ROA, ROE, ROICEHTH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

  • The Profit Margin of EHTH (0.25%) is worse than 81.88% of its industry peers.
  • Looking at the Operating Margin, with a value of 10.12%, EHTH is doing worse than 61.07% of the companies in the same industry.
  • 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 RankSector 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%
EHTH Yearly Profit, Operating, Gross MarginsEHTH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EHTH is destroying value.
  • Compared to 1 year ago, EHTH has more shares outstanding
  • The number of shares outstanding for EHTH has been increased compared to 5 years ago.
  • The debt/assets ratio for EHTH has been reduced compared to a year ago.
EHTH Yearly Shares OutstandingEHTH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
EHTH Yearly Total Debt VS Total AssetsEHTH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • EHTH has an Altman-Z score of 1.09. This is a bad value and indicates that EHTH is not financially healthy and even has some risk of bankruptcy.
  • EHTH has a Altman-Z score of 1.09. This is amongst the best in the industry. EHTH outperforms 83.89% of its industry peers.
  • EHTH has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.08, EHTH is in the better half of the industry, outperforming 79.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 1.09
ROIC/WACC0.42
WACC10.47%
EHTH Yearly LT Debt VS Equity VS FCFEHTH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

  • EHTH has a Current Ratio of 5.91. This indicates that EHTH is financially healthy and has no problem in meeting its short term obligations.
  • EHTH has a Current ratio of 5.91. This is amongst the best in the industry. EHTH outperforms 95.97% 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.
  • The Quick ratio of EHTH (5.91) is better than 95.97% of its industry peers.
Industry RankSector Rank
Current Ratio 5.91
Quick Ratio 5.91
EHTH Yearly Current Assets VS Current LiabilitesEHTH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 129.44% over the past year.
  • EHTH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.79%.
  • EHTH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.01% yearly.
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

  • The Earnings Per Share is expected to grow by 129.59% on average over the next years. This is a very strong growth
  • 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.
EHTH Yearly Revenue VS EstimatesEHTH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 200M 400M 600M
EHTH Yearly EPS VS EstimatesEHTH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.57 indicates a rather cheap valuation of EHTH.
  • EHTH's Price/Earnings ratio is rather cheap when compared to the industry. EHTH is cheaper than 86.58% of the companies in the same industry.
  • EHTH is valuated cheaply when we compare the Price/Earnings ratio to 27.09, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 3.70, the valuation of EHTH can be described as very cheap.
  • 85.23% of the companies in the same industry are more expensive than EHTH, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of EHTH to the average of the S&P500 Index (27.98), we can say EHTH is valued rather cheaply.
Industry RankSector Rank
PE 2.57
Fwd PE 3.7
EHTH Price Earnings VS Forward Price EarningsEHTH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, EHTH is valued cheaper than 97.99% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 0.4
EHTH Per share dataEHTH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

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 129.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.01
PEG (5Y)N/A
EPS Next 2Y97.95%
EPS Next 3Y129.6%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for EHTH!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

EHEALTH INC

NASDAQ:EHTH (2/19/2026, 8:00:01 PM)

After market: 1.51 +0.02 (+1.34%)

1.49

-0.06 (-3.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)02-25
Inst Owners74.53%
Inst Owner Change-4.36%
Ins Owners4.65%
Ins Owner Change-0.06%
Market Cap45.83M
Revenue(TTM)542.95M
Net Income(TTM)1.35M
Analysts74.55
Price Target7.48 (402.01%)
Short Float %3.74%
Short Ratio2.47
Dividend
Industry RankSector 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)-13.73%
PT rev (3m)-20.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.59%
EPS NY rev (1m)0%
EPS NY rev (3m)58.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.26%
Valuation
Industry RankSector Rank
PE 2.57
Fwd PE 3.7
P/S 0.08
P/FCF N/A
P/OCF N/A
P/B 0.05
P/tB 0.05
EV/EBITDA 0.4
EPS(TTM)0.58
EY38.93%
EPS(NY)0.4
Fwd EY27.04%
FCF(TTM)-1.08
FCFYN/A
OCF(TTM)-0.55
OCFYN/A
SpS17.65
BVpS28.75
TBVpS28.75
PEG (NY)0.01
PEG (5Y)N/A
Graham Number19.37
Profitability
Industry RankSector 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 RankSector 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 1.09
F-Score5
WACC10.47%
ROIC/WACC0.42
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 8 / 10 to EHEALTH INC (EHTH). This can be considered as Undervalued.


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.