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EHEALTH INC (EHTH) Stock Fundamental Analysis

NASDAQ:EHTH - US28238P1093 - Common Stock

3.87 USD
-0.02 (-0.51%)
Last: 8/29/2025, 5:32:02 PM
3.87 USD
0 (0%)
After Hours: 8/29/2025, 5:32:02 PM
Fundamental Rating

4

EHTH gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 143 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 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.
EHTH had a negative operating cash flow in the past year.
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

EHTH has a Return On Assets of -0.74%. This is amonst the worse of the industry: EHTH underperforms 84.62% of its industry peers.
EHTH's Return On Equity of -0.88% is on the low side compared to the rest of the industry. EHTH is outperformed by 81.12% of its industry peers.
Looking at the Return On Invested Capital, with a value of 4.02%, EHTH is in the better half of the industry, outperforming 75.52% of the companies in the same industry.
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.
Looking at the Gross Margin, with a value of 96.92%, EHTH belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EHTH is destroying value.
EHTH has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, EHTH has more shares outstanding
EHTH has a better debt/assets ratio than last year.
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 1.33, we must say that EHTH is in the distress zone and has some risk of bankruptcy.
EHTH has a better Altman-Z score (1.33) than 82.52% 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's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. EHTH outperforms 78.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 1.33
ROIC/WACC0.42
WACC9.54%
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 2.98. This indicates that EHTH is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 2.98, EHTH belongs to the top of the industry, outperforming 93.71% of the companies in the same industry.
A Quick Ratio of 2.98 indicates that EHTH has no problem at all paying its short term obligations.
The Quick ratio of EHTH (2.98) is better than 93.71% of its industry peers.
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

The Earnings Per Share has grown by an impressive 128.21% over the past year.
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

EHTH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 71.68% yearly.
EHTH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.34% yearly.
EPS Next Y232.76%
EPS Next 2Y153.38%
EPS Next 3Y71.68%
EPS Next 5YN/A
Revenue Next Year9.31%
Revenue Next 2Y6.32%
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

Based on the Price/Earnings ratio of 7.04, the valuation of EHTH can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of EHTH indicates a somewhat cheap valuation: EHTH is cheaper than 76.22% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of EHTH to the average of the S&P500 Index (27.08), we can say EHTH is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 4.17, the valuation of EHTH can be described as very cheap.
Based on the Price/Forward Earnings ratio, EHTH is valued cheaply inside the industry as 84.62% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.72. EHTH is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.04
Fwd PE 4.17
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 -0.38
EHTH Per share dataEHTH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

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 71.68% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y153.38%
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 (8/29/2025, 5:32:02 PM)

After market: 3.87 0 (0%)

3.87

-0.02 (-0.51%)

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 Owners74.97%
Inst Owner Change7.92%
Ins Owners3.73%
Ins Owner Change5.19%
Market Cap118.27M
Analysts74.55
Price Target9.69 (150.39%)
Short Float %3.83%
Short Ratio2.02
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)-5%
PT rev (3m)-10.59%
EPS NQ rev (1m)3.61%
EPS NQ rev (3m)-3.27%
EPS NY rev (1m)-38.58%
EPS NY rev (3m)18.84%
Revenue NQ rev (1m)-2.44%
Revenue NQ rev (3m)-16.74%
Revenue NY rev (1m)3.09%
Revenue NY rev (3m)3.18%
Valuation
Industry RankSector Rank
PE 7.04
Fwd PE 4.17
P/S 0.22
P/FCF N/A
P/OCF N/A
P/B 0.13
P/tB 0.13
EV/EBITDA -0.38
EPS(TTM)0.55
EY14.21%
EPS(NY)0.93
Fwd EY23.98%
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 1.33
F-Score4
WACC9.54%
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)128.21%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%16.24%
EPS Next Y232.76%
EPS Next 2Y153.38%
EPS Next 3Y71.68%
EPS Next 5YN/A
Revenue 1Y (TTM)16.2%
Revenue growth 3Y-0.36%
Revenue growth 5Y1.01%
Sales Q2Q%-7.7%
Revenue Next Year9.31%
Revenue Next 2Y6.32%
Revenue Next 3Y7.34%
Revenue Next 5YN/A
EBIT growth 1Y419.42%
EBIT growth 3YN/A
EBIT growth 5Y-20.72%
EBIT Next Year56.46%
EBIT Next 3Y29.76%
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