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EHEALTH INC (EHTH) Stock Fundamental Analysis

NASDAQ:EHTH - Nasdaq - US28238P1093 - Common Stock

9.99  -0.06 (-0.6%)

After market: 9.99 0 (0%)

Fundamental Rating

3

Overall EHTH gets a fundamental rating of 3 out of 10. We evaluated EHTH against 143 industry peers in the Insurance industry. While EHTH seems to be doing ok healthwise, there are quite some concerns on its profitability. 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.
EHTH had a negative operating cash flow in the past year.
In multiple years EHTH reported negative net income over the last 5 years.
In the past 5 years EHTH always reported negative operating cash flow.
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 has a worse Return On Assets (-7.88%) than 95.04% of its industry peers.
With a Return On Equity value of -9.55%, EHTH is not doing good in the industry: 85.11% of the companies in the same industry are doing better.
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 has a better Gross Margin (97.03%) than 100.00% of its industry peers.
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 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.
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.
Compared to 1 year ago, EHTH has a worse debt to assets ratio.
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

EHTH has an Altman-Z score of 1.59. 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 (1.59) than 84.40% 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's Debt to Equity ratio of 0.08 is amongst the best of the industry. EHTH outperforms 81.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z 1.59
ROIC/WACCN/A
WACC9.52%
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

A Current Ratio of 6.33 indicates that EHTH has no problem at all paying its short term obligations.
With an excellent Current ratio value of 6.33, EHTH belongs to the best of the industry, outperforming 96.45% of the companies in the same industry.
A Quick Ratio of 6.33 indicates that EHTH has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 6.33, EHTH belongs to the best of the industry, outperforming 96.45% of the companies in the same industry.
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

EHTH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.79% yearly.
Based on estimates for the next years, EHTH will show a quite strong growth in Revenue. The Revenue will grow by 8.60% on average per year.
EPS Next Y31.06%
EPS Next 2Y38.43%
EPS Next 3Y33.79%
EPS Next 5YN/A
Revenue Next Year10.32%
Revenue Next 2Y7.98%
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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1

4. Valuation

4.1 Price/Earnings Ratio

EHTH reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for EHTH. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
EHTH Price Earnings VS Forward Price EarningsEHTH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40 -60

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

EHTH's earnings are expected to grow with 33.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y38.43%
EPS Next 3Y33.79%

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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 (1/21/2025, 8:00:02 PM)

After market: 9.99 0 (0%)

9.99

-0.06 (-0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2024-11-06/bmo
Earnings (Next)N/A N/A
Inst Owners68.29%
Inst Owner Change-0.08%
Ins Owners4.79%
Ins Owner Change2.59%
Market Cap296.00M
Analysts74.55
Price Target7.52 (-24.72%)
Short Float %0.75%
Short Ratio0.66
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)5.36%
PT rev (3m)10.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.31%
EPS NY rev (1m)0%
EPS NY rev (3m)-39.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.64%
Revenue NY rev (1m)1.88%
Revenue NY rev (3m)2.69%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
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)-0.15
Fwd EYN/A
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 1.59
F-Score3
WACC9.52%
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 Y31.06%
EPS Next 2Y38.43%
EPS Next 3Y33.79%
EPS Next 5YN/A
Revenue 1Y (TTM)15.79%
Revenue growth 3Y-8.06%
Revenue growth 5Y12.49%
Sales Q2Q%-9.75%
Revenue Next Year10.32%
Revenue Next 2Y7.98%
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