eHealth, Inc. provides private health insurance exchange services to individuals, families, and small businesses in the United States and China.
No risks detected for M5V from our risk checks.
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.
7 Day Return
1 Year Return
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.
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
Is eHealth undervalued compared to its fair value and its price relative to the market?
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).
How is eHealth forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
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
How has eHealth performed over the past 5 years?
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
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
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.
What is eHealth's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Scott Flanders (62yo)
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.
|CEO & Director||2.8yrs||US$2.73m||no data|
|Chief Operating Officer||2.4yrs||US$1.23m||no data|
|Chief Marketing Officer||1.8yrs||US$946.65k||no data|
|President of Carrier & Business Development||1.2yrs||US$840.83k||no data|
|Chief Financial Officer||0.8yrs||no data||no data|
|Chief Technology Officer||1yrs||no data||no data|
|Vice President of Investor Relations||11.2yrs||no data||no data|
|Senior VP||0yrs||no data||no data|
|Senior Vice President of Sales & Operations||0yrs||no data||no data|
|Senior VP & Chief People Officer||1.2yrs||no data||no data|
Experienced Management: M5V's management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.
|CEO & Director||2.8yrs||US$2.73m||no data|
|Independent Non-Executive Chairman||2.8yrs||US$231.80k||no data|
|Director||0.3yrs||no data||no data|
Experienced Board: M5V's board of directors are seasoned and experienced ( 10.7 years average tenure).
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
Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.
eHealth, Inc.'s company bio, employee growth, exchange listings and data sources
- 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
- eHealth, Inc.
- 440 East Middlefield Road
- Mountain View
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|EHTH||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Oct 2006|
|M5V||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Oct 2006|
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
|Data||Last Updated (UTC time)|
|Company Analysis||2019/03/10 21:52|
|End of Day Share Price||2019/03/08 00:00|
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.