EHEALTH INC (EHTH)
US28238P1093 - Common Stock
Overall EHTH gets a fundamental rating of 3 out of 10. We evaluated EHTH against 141 industry peers in the Insurance industry. The financial health of EHTH is average, but there are quite some concerns on its profitability. While showing a medium growth rate, EHTH is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year EHTH has reported negative net income.
EHTH had a negative operating cash flow in the past year.
In multiple years EHTH reported negative net income over the last 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 (-7.88%) than 95.00% of its industry peers.
EHTH's Return On Equity of -9.55% is on the low side compared to the rest of the industry. EHTH is outperformed by 84.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.88% | ||
| ROE | -9.55% | ||
| ROIC | N/A |
ROA(3y)-9.13%
ROA(5y)-2.8%
ROE(3y)-10.98%
ROE(5y)-2.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Gross Margin, with a value of 97.03%, 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.
EHTH does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 97.03% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.1%
GM growth 5Y0.02%
2. Health
2.1 Basic Checks
EHTH does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, EHTH has more shares outstanding
EHTH has more shares outstanding than it did 5 years ago.
EHTH has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.36, we must say that EHTH is in the distress zone and has some risk of bankruptcy.
With an excellent Altman-Z score value of 1.36, EHTH belongs to the best of the industry, outperforming 84.29% of the companies in the same industry.
A Debt/Equity ratio of 0.08 indicates that EHTH is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.08, EHTH belongs to the best of the industry, outperforming 82.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.36 |
ROIC/WACCN/A
WACC9.41%
2.3 Liquidity
EHTH has a Current Ratio of 6.33. This indicates that EHTH is financially healthy and has no problem in meeting its short term obligations.
EHTH has a Current ratio of 6.33. This is amongst the best in the industry. EHTH outperforms 96.43% of its industry peers.
EHTH has a Quick Ratio of 6.33. This indicates that EHTH is financially healthy and has no problem in meeting its short term obligations.
EHTH has a Quick ratio of 6.33. This is amongst the best in the industry. EHTH outperforms 96.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.33 | ||
| Quick Ratio | 6.33 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 6.19% over the past year.
EHTH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.79%.
Measured over the past years, EHTH shows a quite strong growth in Revenue. The Revenue has been growing by 12.49% on average per year.
EPS 1Y (TTM)6.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1.38%
Revenue 1Y (TTM)15.79%
Revenue growth 3Y-8.06%
Revenue growth 5Y12.49%
Sales Q2Q%-9.75%
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 36.31% on average per year.
EHTH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.15% yearly.
EPS Next Y11.6%
EPS Next 2Y39%
EPS Next 3Y36.31%
EPS Next 5YN/A
Revenue Next Year7.92%
Revenue Next 2Y7.1%
Revenue Next 3Y8.15%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
EHTH reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Also next year EHTH is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as EHTH's earnings are expected to grow with 36.31% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y39%
EPS Next 3Y36.31%
5. Dividend
5.1 Amount
No dividends for EHTH!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EHEALTH INC
NASDAQ:EHTH (12/17/2024, 8:55:04 PM)
After market: 7.6 -0.1 (-1.3%)7.7
+2.24 (+41.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap228.15M
Analysts
Price Target
Short Float %
Short Ratio
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.88% | ||
| ROE | -9.55% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 97.03% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.46
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 6.33 | ||
| Quick Ratio | 6.33 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)6.19%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y11.6%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)15.79%
Revenue growth 3Y-8.06%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y