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EHEALTH INC (EHTH) Stock Fundamental Analysis

NASDAQ:EHTH - Nasdaq - US28238P1093 - Common Stock - Currency: USD

3.89  -0.25 (-6.04%)

After market: 3.8907 +0 (+0.02%)

Fundamental Rating

4

Taking everything into account, EHTH scores 4 out of 10 in our fundamental rating. EHTH was compared to 145 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

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.
In the past 5 years EHTH reported 4 times negative net income.
In the past 5 years EHTH always reported negative operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M -150M

1.2 Ratios

EHTH's Return On Assets of -1.51% is on the low side compared to the rest of the industry. EHTH is outperformed by 86.21% of its industry peers.
EHTH has a worse Return On Equity (-1.85%) than 84.14% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.68%, EHTH is in the better half of the industry, outperforming 72.41% of the companies in the same industry.
Industry RankSector 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
EHTH Yearly ROA, ROE, ROICEHTH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

Looking at the Operating Margin, with a value of 8.95%, EHTH is in line with its industry, outperforming 46.21% of the companies in the same industry.
In the last couple of years the Operating Margin of EHTH has declined.
EHTH has a Gross Margin of 96.03%. This is amongst the best in the industry. EHTH outperforms 100.00% of its industry peers.
EHTH's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
EHTH Yearly Profit, Operating, Gross MarginsEHTH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60 80

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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
Compared to 5 years ago, EHTH has more shares outstanding
Compared to 1 year ago, EHTH has an improved debt to assets ratio.
EHTH Yearly Shares OutstandingEHTH Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

EHTH has an Altman-Z score of 1.24. This is a bad value and indicates that EHTH is not financially healthy and even has some risk of bankruptcy.
EHTH's Altman-Z score of 1.24 is amongst the best of the industry. EHTH outperforms 82.07% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that EHTH is not too dependend on debt financing.
EHTH has a Debt to Equity ratio of 0.07. This is in the better half of the industry: EHTH outperforms 80.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Altman-Z 1.24
ROIC/WACC0.38
WACC9.67%
EHTH Yearly LT Debt VS Equity VS FCFEHTH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

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's Current ratio of 2.58 is amongst the best of the industry. EHTH outperforms 93.79% of its industry peers.
EHTH has a Quick Ratio of 2.58. This indicates that EHTH is financially healthy and has no problem in meeting its short term obligations.
EHTH has a Quick ratio of 2.58. This is amongst the best in the industry. EHTH outperforms 93.79% of its industry peers.
Industry RankSector Rank
Current Ratio 2.58
Quick Ratio 2.58
EHTH Yearly Current Assets VS Current LiabilitesEHTH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 120.69% over the past year.
EHTH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.04%.
EHTH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.01% yearly.
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.
EHTH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.52% yearly.
EPS Next Y316.14%
EPS Next 2Y156.47%
EPS Next 3Y71.68%
EPS Next 5YN/A
Revenue Next Year6.03%
Revenue Next 2Y6.38%
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.
EHTH Yearly Revenue VS EstimatesEHTH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
EHTH Yearly EPS VS EstimatesEHTH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4

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6

4. Valuation

4.1 Price/Earnings Ratio

EHTH is valuated reasonably with a Price/Earnings ratio of 10.81.
EHTH's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.30. EHTH is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 4.05, which indicates a rather cheap valuation of EHTH.
Based on the Price/Forward Earnings ratio, EHTH is valued cheaper than 82.76% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.76. EHTH is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.81
Fwd PE 4.05
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA -0.99
EHTH Per share dataEHTH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

EHTH's 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 71.68% in the coming years.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y156.47%
EPS Next 3Y71.68%

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0

5. Dividend

5.1 Amount

No dividends for EHTH!.
Industry RankSector Rank
Dividend Yield N/A

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EHEALTH INC

NASDAQ:EHTH (7/11/2025, 8:07:08 PM)

After market: 3.8907 +0 (+0.02%)

3.89

-0.25 (-6.04%)

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 Owners73.63%
Inst Owner Change0%
Ins Owners5.35%
Ins Owner Change5.06%
Market Cap117.98M
Analysts74.55
Price Target10.2 (162.21%)
Short Float %1.22%
Short Ratio0.89
Dividend
Industry RankSector 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)-5.88%
PT rev (3m)-5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-21.21%
EPS NY rev (1m)93.48%
EPS NY rev (3m)-3.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-17.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.45%
Valuation
Industry RankSector Rank
PE 10.81
Fwd PE 4.05
P/S 0.21
P/FCF N/A
P/OCF N/A
P/B 0.13
P/tB 0.13
EV/EBITDA -0.99
EPS(TTM)0.36
EY9.25%
EPS(NY)0.96
Fwd EY24.71%
FCF(TTM)-0.85
FCFYN/A
OCF(TTM)-0.4
OCFYN/A
SpS18.22
BVpS30.65
TBVpS30.65
PEG (NY)0.03
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 1.24
F-Score5
WACC9.67%
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 Y316.14%
EPS Next 2Y156.47%
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 Year6.03%
Revenue Next 2Y6.38%
Revenue Next 3Y6.52%
Revenue Next 5YN/A
EBIT growth 1Y377.3%
EBIT growth 3YN/A
EBIT growth 5Y-20.72%
EBIT Next Year56.46%
EBIT Next 3Y29.76%
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