3.81 USD
-0.29 (-7.07%)
3.81 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to EHTH. EHTH was compared to 148 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 may be a bit undervalued, certainly considering the very reasonable score on growth
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.
1.2 Ratios
EHTH has a Return On Assets of 0.13%. This is amonst the worse of the industry: EHTH underperforms 85.14% of its industry peers.
EHTH has a Return On Equity of 0.15%. This is amonst the worse of the industry: EHTH underperforms 84.46% of its industry peers.
With a decent Return On Invested Capital value of 4.36%, EHTH is doing good in the industry, outperforming 75.00% 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
With a Profit Margin value of 0.25%, EHTH is not doing good in the industry: 85.14% of the companies in the same industry are doing better.
With a Operating Margin value of 10.12%, EHTH is not doing good in the industry: 60.81% of the companies in the same industry are doing better.
EHTH's Operating Margin has declined in the last couple of years.
EHTH has a Gross Margin of 97.73%. 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 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
EHTH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for EHTH has been increased compared to 1 year ago.
The number of shares outstanding for EHTH has been increased compared to 5 years ago.
Compared to 1 year ago, EHTH has an improved debt to assets ratio.
2.2 Solvency
EHTH has an Altman-Z score of 1.39. This is a bad value and indicates that EHTH is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of EHTH (1.39) is better than 81.08% 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.
EHTH has a better Debt to Equity ratio (0.08) than 77.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.39 |
ROIC/WACC0.46
WACC9.49%
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'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's Quick ratio of 5.91 is amongst the best of the industry. EHTH outperforms 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 135.53%, which is quite impressive.
EHTH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.79%.
The Revenue has been growing slightly by 1.01% on average over the past years.
EPS 1Y (TTM)135.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%10.2%
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 83.00% on average per year.
Based on estimates for the next years, EHTH will show a small growth in Revenue. The Revenue will grow by 5.82% on average per year.
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 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 5.44, the valuation of EHTH can be described as very cheap.
Based on the Price/Earnings ratio, EHTH is valued cheaper than 81.76% of the companies in the same industry.
EHTH is valuated cheaply when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 5.08 indicates a rather cheap valuation of EHTH.
Based on the Price/Forward Earnings ratio, EHTH is valued cheaply inside the industry as 80.41% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of EHTH to the average of the S&P500 Index (36.10), we can say EHTH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.44 | ||
| Fwd PE | 5.08 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EHTH is valued cheaply inside the industry as 95.95% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.56 |
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 83.00% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y136.01%
EPS Next 3Y83%
5. Dividend
5.1 Amount
EHTH does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
3.81
-0.29 (-7.07%)
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 Change3.9%
Market Cap117.20M
Revenue(TTM)542.95M
Net Income(TTM)1.35M
Analysts74.55
Price Target8.67 (127.56%)
Short Float %2.83%
Short Ratio2.22
Dividend
| Industry Rank | Sector 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)11.46%
Min EPS beat(2)10.26%
Max EPS beat(2)12.66%
EPS beat(4)4
Avg EPS beat(4)20.48%
Min EPS beat(4)5.16%
Max EPS beat(4)53.86%
EPS beat(8)4
Avg EPS beat(8)-1.49%
EPS beat(12)7
Avg EPS beat(12)9.45%
EPS beat(16)10
Avg EPS beat(16)7.03%
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)-5.41%
PT rev (3m)-7.89%
EPS NQ rev (1m)-5.36%
EPS NQ rev (3m)-3.44%
EPS NY rev (1m)0%
EPS NY rev (3m)44.51%
Revenue NQ rev (1m)-0.45%
Revenue NQ rev (3m)-0.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.44 | ||
| Fwd PE | 5.08 | ||
| P/S | 0.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.13 | ||
| P/tB | 0.13 | ||
| EV/EBITDA | 1.56 |
EPS(TTM)0.7
EY18.37%
EPS(NY)0.75
Fwd EY19.68%
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 Number21.28
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 | 1.39 |
F-Score5
WACC9.49%
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)135.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%10.2%
EPS Next Y291.86%
EPS Next 2Y136.01%
EPS Next 3Y83%
EPS Next 5YN/A
Revenue 1Y (TTM)16.79%
Revenue growth 3Y-0.36%
Revenue growth 5Y1.01%
Sales Q2Q%-7.77%
Revenue Next Year9.19%
Revenue Next 2Y6.27%
Revenue Next 3Y7.34%
Revenue Next 5Y5.82%
EBIT growth 1Y370.77%
EBIT growth 3YN/A
EBIT growth 5Y-20.72%
EBIT Next Year107.53%
EBIT Next 3Y31.12%
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.
Can you provide the valuation status for EHEALTH INC?
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 expected EPS growth for EHTH stock?
The Earnings per Share (EPS) of EHEALTH INC (EHTH) is expected to grow by 291.86% in the next year.