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EHEALTH INC (EHTH) Stock Fundamental Analysis

USA - NASDAQ:EHTH - US28238P1093 - Common Stock

4.7 USD
+0.36 (+8.29%)
Last: 10/14/2025, 8:00:02 PM
4.61 USD
-0.09 (-1.91%)
After Hours: 10/14/2025, 8:00:02 PM
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. EHTH scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. EHTH is not valued too expensively and it also shows a decent 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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M -150M

1.2 Ratios

Looking at the Return On Assets, with a value of -0.74%, EHTH is doing worse than 88.28% of the companies in the same industry.
With a Return On Equity value of -0.88%, EHTH is not doing good in the industry: 85.52% of the companies in the same industry are doing better.
EHTH has a better Return On Invested Capital (4.02%) than 71.03% of its industry peers.
Industry RankSector Rank
ROA -0.74%
ROE -0.88%
ROIC 4.02%
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

The Operating Margin of EHTH (9.66%) is comparable to the rest of the industry.
EHTH's Operating Margin has declined in the last couple of years.
EHTH has a better Gross Margin (96.92%) than 100.00% of its industry peers.
In the last couple of years the Gross Margin of EHTH has remained more or less at the same level.
Industry RankSector Rank
OM 9.66%
PM (TTM) N/A
GM 96.92%
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

EHTH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, EHTH has more shares outstanding
EHTH has more shares outstanding than it did 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 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

Based on the Altman-Z score of 1.37, we must say that EHTH is in the distress zone and has some risk of bankruptcy.
EHTH's Altman-Z score of 1.37 is amongst the best of the industry. EHTH outperforms 81.38% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that EHTH is not too dependend on debt financing.
EHTH has a Debt to Equity ratio of 0.08. This is in the better half of the industry: EHTH outperforms 77.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 1.37
ROIC/WACC0.43
WACC9.34%
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

A Current Ratio of 2.98 indicates that EHTH has no problem at all paying its short term obligations.
EHTH has a better Current ratio (2.98) than 93.10% of its industry peers.
A Quick Ratio of 2.98 indicates that EHTH has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.98, EHTH belongs to the top of the industry, outperforming 93.10% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.98
Quick Ratio 2.98
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

EHTH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 128.21%, which is quite impressive.
Looking at the last year, EHTH shows a quite strong growth in Revenue. The Revenue has grown by 16.20% in the last year.
The Revenue has been growing slightly by 1.01% on average over the past years.
EPS 1Y (TTM)128.21%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%16.24%
Revenue 1Y (TTM)16.2%
Revenue growth 3Y-0.36%
Revenue growth 5Y1.01%
Sales Q2Q%-7.7%

3.2 Future

The Earnings Per Share is expected to grow by 83.00% on average over the next years. This is a very strong growth
EHTH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.34% yearly.
EPS Next Y291.86%
EPS Next 2Y136.01%
EPS Next 3Y83%
EPS Next 5YN/A
Revenue Next Year9.19%
Revenue Next 2Y6.27%
Revenue Next 3Y7.34%
Revenue Next 5YN/A

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 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 8.55.
Compared to the rest of the industry, the Price/Earnings ratio of EHTH indicates a somewhat cheap valuation: EHTH is cheaper than 71.72% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of EHTH to the average of the S&P500 Index (27.50), we can say EHTH is valued rather cheaply.
The Price/Forward Earnings ratio is 6.27, which indicates a rather cheap valuation of EHTH.
EHTH's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EHTH is cheaper than 79.31% of the companies in the same industry.
EHTH is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.99, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.55
Fwd PE 6.27
EHTH Price Earnings VS Forward Price EarningsEHTH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA -0.17
EHTH Per share dataEHTH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

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 83.00% in the coming years.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y136.01%
EPS Next 3Y83%

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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 (10/14/2025, 8:00:02 PM)

After market: 4.61 -0.09 (-1.91%)

4.7

+0.36 (+8.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-06 2025-08-06/bmo
Earnings (Next)11-04 2025-11-04/bmo
Inst Owners78.06%
Inst Owner Change-0.09%
Ins Owners3.66%
Ins Owner Change4.06%
Market Cap143.63M
Analysts74.55
Price Target9.44 (100.85%)
Short Float %2.89%
Short Ratio1.86
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)33.26%
Min EPS beat(2)12.66%
Max EPS beat(2)53.86%
EPS beat(4)3
Avg EPS beat(4)14.88%
Min EPS beat(4)-12.15%
Max EPS beat(4)53.86%
EPS beat(8)3
Avg EPS beat(8)-3.11%
EPS beat(12)7
Avg EPS beat(12)10.33%
EPS beat(16)9
Avg EPS beat(16)1.93%
Revenue beat(2)2
Avg Revenue beat(2)20.46%
Min Revenue beat(2)11.32%
Max Revenue beat(2)29.61%
Revenue beat(4)3
Avg Revenue beat(4)11.87%
Min Revenue beat(4)-2.21%
Max Revenue beat(4)29.61%
Revenue beat(8)6
Avg Revenue beat(8)11.58%
Revenue beat(12)9
Avg Revenue beat(12)11.06%
Revenue beat(16)10
Avg Revenue beat(16)4.22%
PT rev (1m)0%
PT rev (3m)-7.5%
EPS NQ rev (1m)3.52%
EPS NQ rev (3m)-8.54%
EPS NY rev (1m)44.51%
EPS NY rev (3m)-11.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.98%
Valuation
Industry RankSector Rank
PE 8.55
Fwd PE 6.27
P/S 0.26
P/FCF N/A
P/OCF N/A
P/B 0.16
P/tB 0.16
EV/EBITDA -0.17
EPS(TTM)0.55
EY11.7%
EPS(NY)0.75
Fwd EY15.95%
FCF(TTM)-1.24
FCFYN/A
OCF(TTM)-0.69
OCFYN/A
SpS17.92
BVpS29.9
TBVpS29.9
PEG (NY)0.03
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.74%
ROE -0.88%
ROCE 5.45%
ROIC 4.02%
ROICexc 4.48%
ROICexgc 4.48%
OM 9.66%
PM (TTM) N/A
GM 96.92%
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-Score4
Asset Turnover0.51
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Debt/EBITDA 1.02
Cap/Depr 111.44%
Cap/Sales 3.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.98
Quick Ratio 2.98
Altman-Z 1.37
F-Score4
WACC9.34%
ROIC/WACC0.43
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)128.21%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%16.24%
EPS Next Y291.86%
EPS Next 2Y136.01%
EPS Next 3Y83%
EPS Next 5YN/A
Revenue 1Y (TTM)16.2%
Revenue growth 3Y-0.36%
Revenue growth 5Y1.01%
Sales Q2Q%-7.7%
Revenue Next Year9.19%
Revenue Next 2Y6.27%
Revenue Next 3Y7.34%
Revenue Next 5YN/A
EBIT growth 1Y419.42%
EBIT growth 3YN/A
EBIT growth 5Y-20.72%
EBIT Next Year107.53%
EBIT Next 3Y31.12%
EBIT Next 5YN/A
FCF growth 1Y-353.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-765.44%
OCF growth 3YN/A
OCF growth 5YN/A