Market Cap
US$3.4b
Last Updated
2020/04/03 01:17 UTC
Data Sources
Company Financials +
Executive Summary
eHealth, Inc. provides private health insurance exchange services to individuals, families, and small businesses in the United States and China.
Rewards
Risk Analysis
Snowflake Analysis
Proven track record with moderate growth potential.
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: EHTH's share price has been volatile over the past 3 months.
Market Performance
7 Day Return
-0.5%
EHTH
-6.1%
US Insurance
-4.1%
US Market
1 Year Return
96.8%
EHTH
-24.7%
US Insurance
-14.9%
US Market
Return vs Industry: EHTH exceeded the US Insurance industry which returned -22.6% over the past year.
Return vs Market: EHTH exceeded the US Market which returned -13.6% over the past year.
Shareholder returns
| EHTH | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.5% | -6.1% | -4.1% |
| 30 Day | -8.3% | -28.0% | -19.1% |
| 90 Day | 38.5% | -32.9% | -23.4% |
| 1 Year | 96.8%96.8% | -22.9%-24.7% | -13.2%-14.9% |
| 3 Year | 1077.4%1077.4% | -11.2%-18.1% | 10.7%3.5% |
| 5 Year | 1156.9%1156.9% | 11.1%-2.4% | 28.5%14.5% |
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
2 weeks ago | Simply Wall St
Did eHealth, Inc. (NASDAQ:EHTH) Insiders Sell Shares?1 month ago | Simply Wall St
Is eHealth, Inc. (NASDAQ:EHTH) A Volatile Stock?1 month ago | Simply Wall St
What Did eHealth, Inc.'s (NASDAQ:EHTH) CEO Take Home Last Year?Valuation
Is eHealth undervalued compared to its fair value and its price relative to the market?
46.22x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate EHTH's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate EHTH's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: EHTH is poor value based on its PE Ratio (46.2x) compared to the Insurance industry average (8.7x).
PE vs Market: EHTH is poor value based on its PE Ratio (46.2x) compared to the US market (12.9x).
Price to Earnings Growth Ratio
PEG Ratio: EHTH is poor value based on its PEG Ratio (3.2x)
Price to Book Ratio
PB vs Industry: EHTH is overvalued based on its PB Ratio (5.9x) compared to the US Insurance industry average (0.8x).
Next Steps
Future Growth
How is eHealth forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
14.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: EHTH's forecast earnings growth (14.3% per year) is above the savings rate (1.7%).
Earnings vs Market: EHTH's earnings (14.3% per year) are forecast to grow faster than the US market (12.3% per year).
High Growth Earnings: EHTH's earnings are forecast to grow, but not significantly.
Revenue vs Market: EHTH's revenue (17.9% per year) is forecast to grow faster than the US market (7.2% per year).
High Growth Revenue: EHTH's revenue (17.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: EHTH's Return on Equity is forecast to be low in 3 years time (10.9%).
Next Steps
Past Performance
How has eHealth performed over the past 5 years?
51.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EHTH has a high level of non-cash earnings.
Growing Profit Margin: EHTH's current net profit margins (13.2%) are higher than last year (0.1%).
Past Earnings Growth Analysis
Earnings Trend: EHTH has become profitable over the past 5 years, growing earnings by 51% per year.
Accelerating Growth: EHTH's earnings growth over the past year (27653.9%) exceeds its 5-year average (51% per year).
Earnings vs Industry: EHTH earnings growth over the past year (27653.9%) exceeded the Insurance industry 43.7%.
Return on Equity
High ROE: EHTH's Return on Equity (12.7%) is considered low.
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: EHTH has a low level of unsold assets or inventory.
Debt Coverage by Assets: Insufficient data to determine if EHTH's debt is covered by short term assets.
Financial Institutions Analysis
Asset Level: EHTH's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if EHTH has a sufficient allowance for bad loans.
Low Risk Liabilities: EHTH reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if EHTH has an acceptable proportion of non-loan assets held.
Low Risk Deposits: EHTH has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if EHTH 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
Notable Dividend: Unable to evaluate EHTH's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate EHTH'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 EHTH's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if EHTH'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 EHTH's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
2.8yrs
Average management tenure
CEO
Scott Flanders (63yo)
3.92s
Tenure
US$3,498,356
Compensation
Mr. Scott N. Flanders, J.D., has been Chief Executive Officer of eSkye Solutions, Inc. since May 2016 and as its Director since February 2008. Prior to that, Mr. Flanders served as the Chief Executive Offi ...
CEO Compensation Analysis
Compensation vs Market: Scott's total compensation ($USD3.50M) is below average for companies of similar size in the US market ($USD5.63M).
Compensation vs Earnings: Scott's compensation has increased by more than 20% in the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 3.92yrs | US$3.50m | 0.93% $31.5m | |
| Senior VP & CFO | 1.83yrs | US$2.68m | 0.14% $4.6m | |
| Chief Operating Officer | 3.5yrs | US$1.73m | 0.97% $32.7m | |
| Chief Marketing Officer | 2.83yrs | US$1.11m | 0.091% $3.1m | |
| Chief Technology Officer | 2.08yrs | no data | 0.070% $2.4m | |
| Vice President of Investor Relations | 12.25yrs | no data | no data | |
| Senior VP | no data | no data | no data | |
| Senior Vice President of Sales & Operations | 2.83yrs | no data | no data | |
| Senior VP & Chief People Officer | 2.25yrs | no data | no data | |
| Senior Vice President of Public Policy & Government Affairs | 2.67yrs | no data | no data |
2.8yrs
Average Tenure
46yo
Average Age
Experienced Management: EHTH's management team is considered experienced (2.8 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 3.92yrs | US$3.50m | 0.93% $31.5m | |
| Independent Director | 0.67yr | no data | 0.012% $402.1k | |
| Independent Director | 20.83yrs | US$227.93k | 0.35% $12.0m | |
| Independent Director | 0.67yr | no data | 0.0054% $182.8k | |
| Independent Director | 11.33yrs | US$228.93k | 0.21% $7.0m | |
| Independent Director | 14.33yrs | US$217.93k | 0.12% $4.2m | |
| Independent Director | 1.33yrs | US$147.75k | no data |
11.3yrs
Average Tenure
62yo
Average Age
Experienced Board: EHTH's board of directors are seasoned and experienced ( 11.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 19.6%.
Top Shareholders
Company Information
eHealth, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: eHealth, Inc.
- Ticker: EHTH
- Exchange: NasdaqGS
- Founded: 1997
- Industry: Insurance Brokers
- Sector: Insurance
- Market Cap: US$3.384b
- Shares outstanding: 25.26m
- Website: https://www.ehealthinsurance.com
Number of Employees
Location
- eHealth, Inc.
- 2625 Augustine Drive
- Second Floor
- Santa Clara
- California
- 95054
- United States
Listings
| 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 |
| M5V | BRSE (Berne Stock Exchange) | Yes | Common Stock | CH | CHF | Oct 2006 |
Biography
eHealth, Inc. provides private 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 Santa Clara, California.
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/04/03 01:17 |
| End of Day Share Price | 2020/04/02 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/12/31 |
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.