EHEALTH INC (EHTH)
US28238P1093 - Common Stock
Overall EHTH gets a fundamental rating of 3 out of 10. We evaluated EHTH against 140 industry peers in the Insurance industry. While EHTH seems to be doing ok healthwise, there are quite some concerns on its profitability. While showing a medium growth rate, EHTH is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year EHTH has reported negative net income.
In the past year EHTH has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: EHTH reported negative net income in multiple years.
EHTH had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of EHTH (-5.96%) is worse than 91.37% of its industry peers.
With a Return On Equity value of -7.35%, EHTH is not doing good in the industry: 76.98% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.96% | ||
| ROE | -7.35% | ||
| ROIC | N/A |
ROA(3y)-9.13%
ROA(5y)-2.8%
ROE(3y)-10.98%
ROE(5y)-2.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
EHTH has a Gross Margin of 99.60%. This is amongst the best in the industry. EHTH outperforms 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.
The Profit Margin and Operating Margin are not available for EHTH so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 99.6% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.1%
GM growth 5Y0.02%
2. Health
2.1 Basic Checks
EHTH does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, EHTH has more shares outstanding
EHTH has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, EHTH has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.04, we must say that EHTH is in the distress zone and has some risk of bankruptcy.
EHTH has a better Altman-Z score (1.04) than 82.73% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that EHTH is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.07, EHTH belongs to the best of the industry, outperforming 84.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.04 |
ROIC/WACCN/A
WACC9.76%
2.3 Liquidity
EHTH has a Current Ratio of 4.87. This indicates that EHTH is financially healthy and has no problem in meeting its short term obligations.
EHTH's Current ratio of 4.87 is amongst the best of the industry. EHTH outperforms 94.96% of its industry peers.
A Quick Ratio of 4.87 indicates that EHTH has no problem at all paying its short term obligations.
The Quick ratio of EHTH (4.87) is better than 94.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.87 | ||
| Quick Ratio | 4.87 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.88% over the past year.
EHTH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.71%.
Measured over the past years, EHTH shows a quite strong growth in Revenue. The Revenue has been growing by 12.49% on average per year.
EPS 1Y (TTM)13.88%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q26.32%
Revenue 1Y (TTM)11.71%
Revenue growth 3Y-8.06%
Revenue growth 5Y12.49%
Revenue growth Q2Q26.17%
3.2 Future
EHTH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.56% yearly.
Based on estimates for the next years, EHTH will show a small growth in Revenue. The Revenue will grow by 6.30% on average per year.
EPS Next Y72.04%
EPS Next 2Y42.42%
EPS Next 3Y28.56%
EPS Next 5YN/A
Revenue Next Year2.57%
Revenue Next 2Y5.06%
Revenue Next 3Y6.3%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for EHTH. In the last year negative earnings were reported.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for EHTH. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
EHTH's earnings are expected to grow with 28.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y42.42%
EPS Next 3Y28.56%
5. Dividend
5.1 Amount
No dividends for EHTH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EHEALTH INC
NASDAQ:EHTH (4/19/2024, 7:00:02 PM)
After market: 4.49 0 (0%)4.49
-0.12 (-2.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap129.94M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.96% | ||
| ROE | -7.35% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 99.6% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 4.87 | ||
| Quick Ratio | 4.87 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)13.88%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y72.04%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)11.71%
Revenue growth 3Y-8.06%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y