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EHEALTH INC (EHTH) Stock Fundamental Analysis

NASDAQ:EHTH - Nasdaq - US28238P1093 - Common Stock - Currency: USD

10.05  -0.36 (-3.46%)

After market: 10.05 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to EHTH. EHTH was compared to 144 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 quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year EHTH has reported negative net income.
In the past year EHTH has reported a negative cash flow from operations.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M -100M -150M

1.2 Ratios

EHTH's Return On Assets of -7.88% is on the low side compared to the rest of the industry. EHTH is outperformed by 95.07% of its industry peers.
The Return On Equity of EHTH (-9.55%) is worse than 86.62% of its industry peers.
Industry RankSector 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
EHTH Yearly ROA, ROE, ROICEHTH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 -5 10 -10

1.3 Margins

EHTH's Gross Margin of 97.03% is amongst the best of the industry. EHTH outperforms 100.00% of its industry peers.
EHTH's Gross Margin has been stable in the last couple of years.
EHTH does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector 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%
EHTH Yearly Profit, Operating, Gross MarginsEHTH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 -20 40 60 80

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5

2. Health

2.1 Basic Checks

EHTH does not have a ROIC to compare to the WACC, probably because it is not profitable.
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.
EHTH has a worse debt/assets ratio than last year.
EHTH Yearly Shares OutstandingEHTH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M
EHTH Yearly Total Debt VS Total AssetsEHTH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

Based on the Altman-Z score of 1.60, we must say that EHTH is in the distress zone and has some risk of bankruptcy.
EHTH's Altman-Z score of 1.60 is amongst the best of the industry. EHTH outperforms 85.21% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that EHTH is not too dependend on debt financing.
The Debt to Equity ratio of EHTH (0.08) is better than 81.69% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 1.6
ROIC/WACCN/A
WACC9.36%
EHTH Yearly LT Debt VS Equity VS FCFEHTH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M

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.
Looking at the Current ratio, with a value of 6.33, EHTH belongs to the top of the industry, outperforming 96.48% of the companies in the same industry.
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 better Quick ratio (6.33) than 96.48% of its industry peers.
Industry RankSector Rank
Current Ratio 6.33
Quick Ratio 6.33
EHTH Yearly Current Assets VS Current LiabilitesEHTH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

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5

3. Growth

3.1 Past

EHTH shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.19%.
The Revenue has grown by 15.79% in the past year. This is quite good.
The Revenue has been growing by 12.49% on average over the past years. This is quite good.
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

The Earnings Per Share is expected to grow by 40.26% on average over the next years. This is a very strong growth
EHTH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.60% yearly.
EPS Next Y140.61%
EPS Next 2Y54.81%
EPS Next 3Y40.26%
EPS Next 5YN/A
Revenue Next Year11.38%
Revenue Next 2Y8.36%
Revenue Next 3Y8.6%
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.
EHTH Yearly Revenue VS EstimatesEHTH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
EHTH Yearly EPS VS EstimatesEHTH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 4

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for EHTH. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 14.08 indicates a correct valuation of EHTH.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EHTH is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of EHTH to the average of the S&P500 Index (22.70), we can say EHTH is valued slightly cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 14.08
EHTH Price Earnings VS Forward Price EarningsEHTH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
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

The 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 40.26% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y54.81%
EPS Next 3Y40.26%

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0

5. Dividend

5.1 Amount

No dividends for EHTH!.
Industry RankSector Rank
Dividend Yield N/A

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EHEALTH INC

NASDAQ:EHTH (2/21/2025, 8:15:24 PM)

After market: 10.05 0 (0%)

10.05

-0.36 (-3.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2024-11-06/bmo
Earnings (Next)02-26 2025-02-26/bmo
Inst Owners68.53%
Inst Owner Change-97.62%
Ins Owners4.79%
Ins Owner Change0.78%
Market Cap297.78M
Analysts74.55
Price Target8.8 (-12.44%)
Short Float %0.77%
Short Ratio0.62
Dividend
Industry RankSector 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)0
Avg EPS beat(2)-24.35%
Min EPS beat(2)-36.55%
Max EPS beat(2)-12.15%
EPS beat(4)0
Avg EPS beat(4)-23.47%
Min EPS beat(4)-36.55%
Max EPS beat(4)-12.15%
EPS beat(8)3
Avg EPS beat(8)3.94%
EPS beat(12)6
Avg EPS beat(12)2.55%
EPS beat(16)8
Avg EPS beat(16)22.29%
Revenue beat(2)1
Avg Revenue beat(2)7.57%
Min Revenue beat(2)-2.21%
Max Revenue beat(2)17.34%
Revenue beat(4)2
Avg Revenue beat(4)6.84%
Min Revenue beat(4)-2.21%
Max Revenue beat(4)17.34%
Revenue beat(8)5
Avg Revenue beat(8)9.42%
Revenue beat(12)7
Avg Revenue beat(12)4.21%
Revenue beat(16)9
Avg Revenue beat(16)1.69%
PT rev (1m)16.95%
PT rev (3m)12.5%
EPS NQ rev (1m)33.74%
EPS NQ rev (3m)41.04%
EPS NY rev (1m)158.9%
EPS NY rev (3m)182.38%
Revenue NQ rev (1m)4.97%
Revenue NQ rev (3m)5.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.38%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 14.08
P/S 0.64
P/FCF N/A
P/OCF N/A
P/B 0.36
P/tB 0.36
EV/EBITDA N/A
EPS(TTM)-1.97
EYN/A
EPS(NY)0.71
Fwd EY7.1%
FCF(TTM)-1.2
FCFYN/A
OCF(TTM)-0.81
OCFYN/A
SpS15.69
BVpS27.89
TBVpS27.89
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -7.88%
ROE -9.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 97.03%
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.1%
GM growth 5Y0.02%
F-Score3
Asset Turnover0.46
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 66.65%
Cap/Sales 2.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 6.33
Quick Ratio 6.33
Altman-Z 1.6
F-Score3
WACC9.36%
ROIC/WACCN/A
Cap/Depr(3y)79.38%
Cap/Depr(5y)121.88%
Cap/Sales(3y)3.36%
Cap/Sales(5y)3.5%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1.38%
EPS Next Y140.61%
EPS Next 2Y54.81%
EPS Next 3Y40.26%
EPS Next 5YN/A
Revenue 1Y (TTM)15.79%
Revenue growth 3Y-8.06%
Revenue growth 5Y12.49%
Sales Q2Q%-9.75%
Revenue Next Year11.38%
Revenue Next 2Y8.36%
Revenue Next 3Y8.6%
Revenue Next 5YN/A
EBIT growth 1Y58.5%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year524.81%
EBIT Next 3Y101.35%
EBIT Next 5YN/A
FCF growth 1Y72.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y78.22%
OCF growth 3YN/A
OCF growth 5YN/A