EHEALTH INC (EHTH) Stock Fundamental Analysis
USA - NASDAQ:EHTH - US28238P1093 - Common Stock
4.94 USD
+0.01 (+0.2%)
4.93 USD
-0.01 (-0.2%)
EHTH gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. The financial health of EHTH is average, but there are quite some concerns on its profitability. EHTH is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year EHTH was profitable.
In the past year EHTH has reported a negative cash flow from operations.
EHTH had negative earnings in 4 of the past 5 years.
EHTH had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of -0.74%, EHTH is not doing good in the industry: 87.67% of the companies in the same industry are doing better.
EHTH has a worse Return On Equity (-0.88%) than 84.93% 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 69.18% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
EHTH has a Operating Margin of 9.66%. This is comparable to the rest of the industry: EHTH outperforms 41.78% of its industry peers.
In the last couple of years the Operating Margin of EHTH has declined.
EHTH has a Gross Margin of 96.92%. 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.
| Industry Rank | Sector 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%
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.
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 1.44. This is a bad value and indicates that EHTH is not financially healthy and even has some risk of bankruptcy.
EHTH has a Altman-Z score of 1.44. This is amongst the best in the industry. EHTH outperforms 84.25% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that EHTH is not too dependend on debt financing.
EHTH has a better Debt to Equity ratio (0.08) than 77.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.44 |
ROIC/WACC0.43
WACC9.35%
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.
EHTH has a better Current ratio (2.98) than 93.15% 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 93.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.98 | ||
| Quick Ratio | 2.98 |
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.
EHTH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.01% yearly.
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
The Revenue is expected to grow by 7.34% on average over the next years.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.98 indicates a reasonable valuation of EHTH.
65.75% of the companies in the same industry are more expensive than EHTH, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of EHTH to the average of the S&P500 Index (26.13), we can say EHTH is valued rather cheaply.
EHTH is valuated cheaply with a Price/Forward Earnings ratio of 6.59.
77.40% of the companies in the same industry are more expensive than EHTH, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.35. EHTH is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.98 | ||
| Fwd PE | 6.59 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EHTH is valued cheaply inside the industry as 98.63% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 0.09 |
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)0.03
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 |
4.94
+0.01 (+0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners78.06%
Inst Owner Change-2.82%
Ins Owners3.66%
Ins Owner Change4.04%
Market Cap150.97M
Revenue(TTM)547.49M
Net Income(TTM)-8016000
Analysts74.55
Price Target9.44 (91.09%)
Short Float %2.55%
Short Ratio2.31
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)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)0%
EPS NQ rev (3m)-8.54%
EPS NY rev (1m)0%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.98 | ||
| Fwd PE | 6.59 | ||
| P/S | 0.28 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.17 | ||
| P/tB | 0.17 | ||
| EV/EBITDA | 0.09 |
EPS(TTM)0.55
EY11.13%
EPS(NY)0.75
Fwd EY15.18%
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
Graham Number19.24
Profitability
| Industry Rank | Sector 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
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-Score4
Asset Turnover0.51
Health
| Industry Rank | Sector 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 | 1.44 |
F-Score4
WACC9.35%
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
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 7 / 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.