EHEALTH INC (EHTH) Stock Fundamental Analysis
USA - NASDAQ:EHTH - US28238P1093 - Common Stock
4.1 USD
+0.02 (+0.49%)
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 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.
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.
1.2 Ratios
EHTH has a Return On Assets of -0.74%. This is amonst the worse of the industry: EHTH underperforms 87.67% of its industry peers.
Looking at the Return On Equity, with a value of -0.88%, EHTH is doing worse than 84.93% of the companies in the same industry.
EHTH's Return On Invested Capital of 4.02% is fine compared to the rest of the industry. EHTH outperforms 68.49% of its industry peers.
| 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
Looking at the Operating Margin, with a value of 9.66%, EHTH is in line with its industry, outperforming 41.78% of the companies in the same industry.
EHTH's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 96.92%, EHTH belongs to the best 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 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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
Compared to 1 year ago, EHTH has an improved debt to assets ratio.
2.2 Solvency
EHTH has an Altman-Z score of 1.35. This is a bad value and indicates that EHTH is not financially healthy and even has some risk of bankruptcy.
EHTH has a better Altman-Z score (1.35) than 81.51% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that EHTH is not too dependend on debt financing.
EHTH's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. EHTH outperforms 78.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.35 |
ROIC/WACC0.43
WACC9.44%
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's Current ratio of 2.98 is amongst the best of the industry. EHTH outperforms 93.15% of its industry peers.
EHTH has a Quick Ratio of 2.98. 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 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
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 17.56%.
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)17.56%
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 83.00% on average over the next years. This is a very strong growth
Based on estimates for the next years, EHTH will show a small growth in Revenue. The Revenue will grow by 7.34% 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 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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.86, which indicates a rather cheap valuation of EHTH.
Based on the Price/Earnings ratio, EHTH is valued cheaply inside the industry as 80.14% of the companies are valued more expensively.
EHTH is valuated cheaply when we compare the Price/Earnings ratio to 26.06, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 5.47 indicates a rather cheap valuation of EHTH.
Based on the Price/Forward Earnings ratio, EHTH is valued cheaply inside the industry as 81.51% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of EHTH to the average of the S&P500 Index (32.73), we can say EHTH is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.86 | ||
| Fwd PE | 5.47 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | -0.29 |
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.
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 |
NASDAQ:EHTH (11/10/2025, 2:16:02 PM)
4.1
+0.02 (+0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners78.06%
Inst Owner Change-3.92%
Ins Owners3.66%
Ins Owner Change4.04%
Market Cap125.30M
Revenue(TTM)532.41M
Net Income(TTM)-8.02M
Analysts74.55
Price Target9.44 (130.24%)
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)1.8%
Revenue NQ rev (3m)-1.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.86 | ||
| Fwd PE | 5.47 | ||
| P/S | 0.23 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.14 | ||
| P/tB | 0.14 | ||
| EV/EBITDA | -0.29 |
EPS(TTM)0.7
EY17.07%
EPS(NY)0.75
Fwd EY18.29%
FCF(TTM)-1.24
FCFYN/A
OCF(TTM)-0.69
OCFYN/A
SpS17.92
BVpS29.9
TBVpS29.9
PEG (NY)0.02
PEG (5Y)N/A
Graham Number21.7
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 | 1.35 |
F-Score4
WACC9.44%
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)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)17.56%
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 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.