DB:M5V

Stock Analysis Report

Executive Summary

eHealth, Inc. provides private health insurance exchange services to individuals, families, and small businesses in the United States and China.

Rewards

Earnings are forecast to grow 63.51% per year

Became profitable this year

Risk Analysis

No risks detected for M5V from our risk checks.


Snowflake Analysis

Reasonable growth potential with questionable track record.

Share Price & News

How has eHealth's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: M5V has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

n/a

M5V

-4.8%

DE Insurance

-4.7%

DE Market


1 Year Return

n/a

M5V

21.3%

DE Insurance

8.3%

DE Market

Return vs Industry: Insufficient data to determine how M5V performed against the German Insurance industry.

Return vs Market: Insufficient data to determine how M5V performed against the German Market.


Shareholder returns

M5VIndustryMarket
7 Dayn/a-4.8%-4.7%
30 Dayn/a-0.3%-4.0%
90 Dayn/a3.7%-1.4%
1 Yearn/a26.6%21.3%11.7%8.3%
3 Yearn/a61.2%41.7%11.4%1.6%
5 Yearn/a89.4%51.6%15.1%-0.7%

Price Volatility Vs. Market

How volatile is eHealth's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is eHealth undervalued compared to its fair value and its price relative to the market?

4518.82x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate M5V's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate M5V's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: M5V is poor value based on its PE Ratio (4518.8x) compared to the Insurance industry average (11.9x).

PE vs Market: M5V is poor value based on its PE Ratio (4518.8x) compared to the German market (20.6x).


Price to Earnings Growth Ratio

PEG Ratio: M5V is poor value based on its PEG Ratio (71.2x)


Price to Book Ratio

PB vs Industry: M5V is overvalued based on its PB Ratio (3.7x) compared to the DE Insurance industry average (1.1x).


Next Steps

Future Growth

How is eHealth forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?

63.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: M5V's forecast earnings growth (63.5% per year) is above the savings rate (0.2%).

Earnings vs Market: M5V's earnings (63.5% per year) are forecast to grow faster than the German market (13.2% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: M5V's revenue (14.2% per year) is forecast to grow faster than the German market (4.8% per year).

High Growth Revenue: M5V's revenue (14.2% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if M5V's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has eHealth performed over the past 5 years?

-40.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: Insufficient data to determine if M5V has high quality earnings.

Growing Profit Margin: M5V became profitable in the past.


Past Earnings Growth Analysis

Earnings Trend: M5V has become profitable over the past 5 years, growing earnings by -40.1% per year.

Accelerating Growth: M5V has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: M5V has become profitable in the last year, making it difficult to compare its past year earnings growth to the Insurance industry (7.8%).


Return on Equity

High ROE: M5V's Return on Equity (0.08%) is considered low.


Return on Assets


Return on Capital Employed


Next Steps

Financial Health

How is eHealth's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: M5V has a low level of unsold assets or inventory.

Debt Coverage by Assets: M5V's debt is covered by short term assets (assets are 31.2x debt).


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: M5V is profitable, therefore cash runway is not a concern.

Forecast Cash Runway: M5V is profitable, therefore cash runway is not a concern.


Financial Institutions Analysis

Asset Level: M5V's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if M5V has a sufficient allowance for bad loans.

Low Risk Liabilities: M5V reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if M5V has an acceptable proportion of non-loan assets held.

Low Risk Deposits: M5V has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if M5V has an appropriate level of bad loans.


Next Steps

Dividend

What is eHealth's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage3.7%forecastin3Yearsn/a

Current dividend yield vs market & industry

Notable Dividend: Unable to evaluate M5V's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate M5V's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if M5V's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if M5V's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of M5V's dividend in 3 years as they are not forecast to pay a notable one for the German market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.5yrs

Average management tenure


CEO

Scott Flanders (62yo)

2.8yrs

Tenure

US$2,734,291

Compensation

Mr. Scott N. Flanders, J.D., has been Chief Executive Officer of eHealth, Inc. since May 2016 and as its Director since February 2008. Prior to that, Mr. Flanders served as the Chief Executive Officer of P ...


CEO Compensation Analysis

Compensation vs Market: Scott's total compensation ($USD2.73M) is above average for companies of similar size in the German market ($USD1.50M).

Compensation vs Earnings: Scott's compensation has been consistent with company performance over the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Scott Flanders
CEO & Director2.8yrsUS$2.73mno data
David Francis
Chief Operating Officer2.4yrsUS$1.23mno data
Timothy Hannan
Chief Marketing Officer1.8yrsUS$946.65kno data
Robert Hurley
President of Carrier & Business Development1.2yrsUS$840.83kno data
Derek Yung
Chief Financial Officer0.8yrsno datano data
Ian Kalin
Chief Technology Officer1yrsno datano data
Kate Sidorovich
Vice President of Investor Relations11.2yrsno datano data
Scott Giesler
Senior VP0yrsno datano data
Dave Nicklaus
Senior Vice President of Sales & Operations0yrsno datano data
Christina Hoffman
Senior VP & Chief People Officer1.2yrsno datano data

1.5yrs

Average Tenure

51yo

Average Age

Experienced Management: M5V's management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Scott Flanders
CEO & Director2.8yrsUS$2.73mno data
Michael Goldberg
Director19.8yrsUS$214.30kno data
Randall Livingston
Director10.3yrsUS$215.30kno data
Jack Oliver
Director13.3yrsUS$204.30kno data
Ellen Tauscher
Independent Non-Executive Chairman2.8yrsUS$231.80kno data
Andrea Brimmer
Director0.3yrsno datano data

10.7yrs

Average Tenure

62yo

Average Age

Experienced Board: M5V's board of directors are seasoned and experienced ( 10.7 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: M5V insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

eHealth, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: eHealth, Inc.
  • Ticker: M5V
  • Exchange: DB
  • Founded: 1997
  • Industry: Insurance Brokers
  • Sector: Insurance
  • Market Cap: US$1.232b
  • Listing Market Cap: US$1.096b
  • Shares outstanding: 21.84m
  • Website: https://www.ehealthinsurance.com

Number of Employees


Location

  • eHealth, Inc.
  • 440 East Middlefield Road
  • Mountain View
  • California
  • 94043
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
EHTHNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDOct 2006
M5VDB (Deutsche Boerse AG)YesCommon StockDEEUROct 2006

Biography

eHealth, Inc. provides private online health insurance exchange services to individuals, families, and small businesses in the United States and China. The company operates through two segments, Medicare; and Individual, Family and Small Business. Its e-commerce platforms organize and present health insurance information in various formats that enable individuals, families, and small businesses to research, analyze, compare, and purchase a range of health insurance plans. The company’s Medicare-related health insurance plans include Medicare Advantage, Medicare Supplement, and Medicare part D prescription drug plans; and ancillary products, including dental, vision, life, and short and long term disability insurance plans. It markets health insurance plans through its Websites, such as eHealth.com, eHealthInsurance.com, eHealthMedicare.com, Medicare.com, PlanPrescriber.com, and GoMedigap.com, as well as through a network of marketing partners. The company also licenses its health insurance e-commerce technology that enables health insurance carriers and agents to market and distribute health insurance plans online; and provides online sponsorship and advertising services. eHealth, Inc. was incorporated in 1997 and is headquartered in Mountain View, California. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/03/10 21:52
End of Day Share Price2019/03/08 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.