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EHEALTH INC (EHTH) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:EHTH - US28238P1093 - Common Stock

3.66 USD
-0.18 (-4.69%)
Last: 1/16/2026, 8:09:19 PM
3.7 USD
+0.04 (+1.09%)
After Hours: 1/16/2026, 8:09:19 PM
Fundamental Rating

4

Taking everything into account, EHTH scores 4 out of 10 in our fundamental rating. EHTH was compared to 149 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on EHTH.


Dividend Valuation Growth Profitability Health

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.
  • In the past 5 years EHTH always reported negative operating cash flow.
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 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 0.13%, EHTH is doing worse than 83.22% of the companies in the same industry.
  • With a Return On Equity value of 0.15%, EHTH is not doing good in the industry: 81.88% of the companies in the same industry are doing better.
  • EHTH has a Return On Invested Capital of 4.36%. This is in the better half of the industry: EHTH outperforms 73.15% of its industry peers.
Industry RankSector 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
EHTH Yearly ROA, ROE, ROICEHTH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

  • EHTH's Profit Margin of 0.25% is on the low side compared to the rest of the industry. EHTH is outperformed by 83.22% of its industry peers.
  • EHTH's Operating Margin of 10.12% is on the low side compared to the rest of the industry. EHTH is outperformed by 61.07% of its industry peers.
  • 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 RankSector 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%
EHTH Yearly Profit, Operating, Gross MarginsEHTH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 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.
  • Compared to 1 year ago, EHTH has more shares outstanding
  • 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.
EHTH Yearly Shares OutstandingEHTH Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • EHTH has an Altman-Z score of 1.34. This is a bad value and indicates that EHTH is not financially healthy and even has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.34, EHTH belongs to the best of the industry, outperforming 80.54% of the companies in the same industry.
  • 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 79.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 1.34
ROIC/WACC0.46
WACC9.57%
EHTH Yearly LT Debt VS Equity VS FCFEHTH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

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.
  • Looking at the Current ratio, with a value of 5.91, EHTH belongs to the top of the industry, outperforming 95.97% of the companies in the same industry.
  • 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 95.97% of its industry peers.
Industry RankSector Rank
Current Ratio 5.91
Quick Ratio 5.91
EHTH Yearly Current Assets VS Current LiabilitesEHTH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 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 129.44%, which is quite impressive.
  • EHTH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.79%.
  • Measured over the past years, EHTH shows a small growth in Revenue. The Revenue has been growing by 1.01% on average per year.
EPS 1Y (TTM)129.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2.04%
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 129.59% on average per year.
  • EHTH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.82% yearly.
EPS Next Y403.57%
EPS Next 2Y97.95%
EPS Next 3Y129.6%
EPS Next 5YN/A
Revenue Next Year8.91%
Revenue Next 2Y4.24%
Revenue Next 3Y4.87%
Revenue Next 5Y5.82%

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.
EHTH Yearly Revenue VS EstimatesEHTH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 200M 400M 600M
EHTH Yearly EPS VS EstimatesEHTH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4

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7

4. Valuation

4.1 Price/Earnings Ratio

  • EHTH is valuated cheaply with a Price/Earnings ratio of 6.31.
  • Based on the Price/Earnings ratio, EHTH is valued cheaper than 81.21% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.38, EHTH is valued rather cheaply.
  • EHTH is valuated reasonably with a Price/Forward Earnings ratio of 9.08.
  • 63.09% of the companies in the same industry are more expensive than EHTH, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, EHTH is valued rather cheaply.
Industry RankSector Rank
PE 6.31
Fwd PE 9.08
EHTH Price Earnings VS Forward Price EarningsEHTH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • EHTH's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. EHTH is cheaper than 96.64% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.36
EHTH Per share dataEHTH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

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 129.59% in the coming years.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y97.95%
EPS Next 3Y129.6%

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0

5. Dividend

5.1 Amount

  • No dividends for EHTH!.
Industry RankSector Rank
Dividend Yield 0%

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EHEALTH INC

NASDAQ:EHTH (1/16/2026, 8:09:19 PM)

After market: 3.7 +0.04 (+1.09%)

3.66

-0.18 (-4.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)02-24
Inst Owners74.53%
Inst Owner Change0%
Ins Owners4.65%
Ins Owner Change-0.06%
Market Cap112.58M
Revenue(TTM)542.95M
Net Income(TTM)1.35M
Analysts74.55
Price Target7.48 (104.37%)
Short Float %2.75%
Short Ratio2.07
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)7.38%
Min EPS beat(2)2.1%
Max EPS beat(2)12.66%
EPS beat(4)4
Avg EPS beat(4)18.44%
Min EPS beat(4)2.1%
Max EPS beat(4)53.86%
EPS beat(8)4
Avg EPS beat(8)-2.51%
EPS beat(12)7
Avg EPS beat(12)8.77%
EPS beat(16)10
Avg EPS beat(16)6.52%
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)-13.73%
PT rev (3m)-20.72%
EPS NQ rev (1m)3.98%
EPS NQ rev (3m)-0.59%
EPS NY rev (1m)62.34%
EPS NY rev (3m)58.23%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)-0.98%
Revenue NY rev (1m)-0.29%
Revenue NY rev (3m)-0.26%
Valuation
Industry RankSector Rank
PE 6.31
Fwd PE 9.08
P/S 0.21
P/FCF N/A
P/OCF N/A
P/B 0.13
P/tB 0.13
EV/EBITDA 1.36
EPS(TTM)0.58
EY15.85%
EPS(NY)0.4
Fwd EY11.01%
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 Number19.37
Profitability
Industry RankSector 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 RankSector 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 1.34
F-Score5
WACC9.57%
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)129.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2.04%
EPS Next Y403.57%
EPS Next 2Y97.95%
EPS Next 3Y129.6%
EPS Next 5YN/A
Revenue 1Y (TTM)16.79%
Revenue growth 3Y-0.36%
Revenue growth 5Y1.01%
Sales Q2Q%-7.77%
Revenue Next Year8.91%
Revenue Next 2Y4.24%
Revenue Next 3Y4.87%
Revenue Next 5Y5.82%
EBIT growth 1Y370.77%
EBIT growth 3YN/A
EBIT growth 5Y-20.72%
EBIT Next Year138.11%
EBIT Next 3Y38.12%
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.


What is the valuation status of EHEALTH INC (EHTH) stock?

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 financial health for EHTH stock?

The financial health rating of EHEALTH INC (EHTH) is 5 / 10.