4.36 USD
-0.08 (-1.8%)
Overall EHTH gets a fundamental rating of 4 out of 10. We evaluated EHTH against 148 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 is valued quite cheap, while showing a decent growth score. This is a good 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 83.78% of its industry peers.
EHTH has a worse Return On Equity (0.15%) than 82.43% of its industry peers.
EHTH's Return On Invested Capital of 4.36% is fine compared to the rest of the industry. EHTH outperforms 72.97% 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
EHTH has a Profit Margin of 0.25%. This is amonst the worse of the industry: EHTH underperforms 83.78% of its industry peers.
The Operating Margin of EHTH (10.12%) is worse than 61.49% of its industry peers.
EHTH's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 97.73%, 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 | 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.
The number of shares outstanding for EHTH has been increased compared to 1 year ago.
EHTH has more shares outstanding than it did 5 years ago.
The debt/assets ratio for EHTH has been reduced compared to a year ago.
2.2 Solvency
EHTH has an Altman-Z score of 1.42. 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 (1.42) than 82.43% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that EHTH is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.08, EHTH is doing good in the industry, outperforming 78.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.42 |
ROIC/WACC0.46
WACC9.44%
2.3 Liquidity
A Current Ratio of 5.91 indicates that EHTH has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 5.91, EHTH belongs to the top of the industry, outperforming 95.95% 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.
The Quick ratio of EHTH (5.91) is better than 95.95% of its industry peers.
| 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.
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)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
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 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 6.23, the valuation of EHTH can be described as very cheap.
Based on the Price/Earnings ratio, EHTH is valued cheaply inside the industry as 82.43% of the companies are valued more expensively.
EHTH's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.61.
The Price/Forward Earnings ratio is 10.82, which indicates a very decent valuation of EHTH.
The rest of the industry has a similar Price/Forward Earnings ratio as EHTH.
The average S&P500 Price/Forward Earnings ratio is at 24.01. EHTH is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.23 | ||
| Fwd PE | 10.82 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EHTH is valued cheaply inside the industry as 93.24% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.71 |
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 129.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y97.95%
EPS Next 3Y129.6%
5. Dividend
5.1 Amount
EHTH does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:EHTH (12/23/2025, 10:53:44 AM)
4.36
-0.08 (-1.8%)
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 Change-0.09%
Market Cap134.11M
Revenue(TTM)542.95M
Net Income(TTM)1.35M
Analysts74.55
Price Target8.67 (98.85%)
Short Float %2.89%
Short Ratio2.31
Dividend
| Industry Rank | Sector 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)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)-6.47%
EPS NQ rev (3m)5.85%
EPS NY rev (1m)-2.53%
EPS NY rev (3m)40.86%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.47%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.23 | ||
| Fwd PE | 10.82 | ||
| P/S | 0.25 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.15 | ||
| P/tB | 0.15 | ||
| EV/EBITDA | 1.71 |
EPS(TTM)0.7
EY16.06%
EPS(NY)0.4
Fwd EY9.24%
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 | 1.42 |
F-Score5
WACC9.44%
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.