4.5 USD
+0.43 (+10.57%)
4.45 USD
-0.05 (-1.11%)
We assign a fundamental rating of 4 out of 10 to EHTH. EHTH was compared to 147 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
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
EHTH has a worse Return On Assets (0.13%) than 86.39% of its industry peers.
Looking at the Return On Equity, with a value of 0.15%, EHTH is doing worse than 85.03% of the companies in the same industry.
EHTH's Return On Invested Capital of 4.36% is fine compared to the rest of the industry. EHTH outperforms 72.79% of its industry peers.
| 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: 86.39% of the companies in the same industry are doing better.
Looking at the Operating Margin, with a value of 10.12%, EHTH is doing worse than 62.59% of the companies in the same industry.
In the last couple of years the Operating Margin of EHTH has declined.
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
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.
The debt/assets ratio for EHTH has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.38, we must say that EHTH is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of EHTH (1.38) is better than 81.63% 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 78.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.38 |
ROIC/WACC0.46
WACC9.42%
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 95.92% 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.
Looking at the Quick ratio, with a value of 5.91, EHTH belongs to the top of the industry, outperforming 95.92% of the companies in the same industry.
| 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.
The Revenue has grown by 16.79% in the past year. This is quite good.
EHTH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.01% yearly.
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
The Earnings Per Share is expected to grow by 129.59% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 5.82% on average over the next years.
EPS Next Y287%
EPS Next 2Y97.95%
EPS Next 3Y129.6%
EPS Next 5YN/A
Revenue Next Year9.23%
Revenue Next 2Y4.64%
Revenue Next 3Y5.57%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 6.43, the valuation of EHTH can be described as very cheap.
Based on the Price/Earnings ratio, EHTH is valued cheaper than 82.99% of the companies in the same industry.
EHTH is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.17, which indicates a very decent valuation of EHTH.
EHTH's Price/Forward Earnings is on the same level as the industry average.
EHTH is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.43 | ||
| Fwd PE | 11.17 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EHTH is valued cheaply inside the industry as 95.92% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.55 |
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%
5. Dividend
5.1 Amount
No dividends for EHTH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
4.5
+0.43 (+10.57%)
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 Cap138.42M
Revenue(TTM)542.95M
Net Income(TTM)1.35M
Analysts74.55
Price Target8.67 (92.67%)
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)-8.11%
PT rev (3m)-8.11%
EPS NQ rev (1m)-4.39%
EPS NQ rev (3m)5.85%
EPS NY rev (1m)-2.53%
EPS NY rev (3m)40.86%
Revenue NQ rev (1m)-0.22%
Revenue NQ rev (3m)-0.47%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.43 | ||
| Fwd PE | 11.17 | ||
| P/S | 0.25 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.16 | ||
| P/tB | 0.16 | ||
| EV/EBITDA | 1.55 |
EPS(TTM)0.7
EY15.56%
EPS(NY)0.4
Fwd EY8.95%
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 | 1.38 |
F-Score5
WACC9.42%
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 Y287%
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 Year9.23%
Revenue Next 2Y4.64%
Revenue Next 3Y5.57%
Revenue Next 5Y5.82%
EBIT growth 1Y370.77%
EBIT growth 3YN/A
EBIT growth 5Y-20.72%
EBIT Next Year126.8%
EBIT Next 3Y39.21%
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 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 287% in the next year.