| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 0/6 |
| Past Performance | 0/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
EHTH Stock Overview
eHealth, Inc. operates a health insurance marketplace that provides consumer engagement, education, and health insurance enrollment solutions in the United States.
eHealth Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$10.22 |
| 52 Week High | US$66.47 |
| 52 Week Low | US$7.89 |
| Beta | 0.35 |
| 1 Month Change | 14.06% |
| 3 Month Change | -33.77% |
| 1 Year Change | -84.29% |
| 3 Year Change | -84.44% |
| 5 Year Change | -44.21% |
| Change since IPO | -55.37% |
Recent News & Updates
eHealth: Wrestling With The Balance Sheet And Costs
Assisting people in finding a suitable Medicare plan is the core business of eHealth, but has been unprofitable due to high customer acquisition cost and uncertain customer lifetime values. The sector on the whole has failed to deliver value to shareholders over the last 12 months, with the three major firms losing roughly 90% of their respective market caps. eHealth's assets are dominated by long-term commissions receivable; this is not straight-forward to value in terms of the time value discount and the reliability of the receivables.
Shareholder Returns
| EHTH | US Insurance | US Market | |
|---|---|---|---|
| 7D | -2.6% | 0.4% | 1.0% |
| 1Y | -84.3% | 2.4% | -15.1% |
Return vs Industry: EHTH underperformed the US Insurance industry which returned 2.5% over the past year.
Return vs Market: EHTH underperformed the US Market which returned -13.2% over the past year.
Price Volatility
| EHTH volatility | |
|---|---|
| EHTH Average Weekly Movement | 14.3% |
| Insurance Industry Average Movement | 5.1% |
| Market Average Movement | 7.8% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: EHTH is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 14% a week.
Volatility Over Time: EHTH's weekly volatility (14%) has been stable over the past year, but is still higher than 75% of US stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1997 | 2,379 | Fran Soistman | https://www.ehealthinsurance.com |
eHealth, Inc. operates a health insurance marketplace that provides consumer engagement, education, and health insurance enrollment solutions in the United States. The company operates in two segments, Medicare; and Individual, Family and Small Business. Its ecommerce 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.
eHealth Fundamentals Summary
| EHTH fundamental statistics | |
|---|---|
| Market Cap | US$274.27m |
| Earnings (TTM) | -US$162.10m |
| Revenue (TTM) | US$509.24m |
0.5x
P/S Ratio-1.7x
P/E RatioIs EHTH overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| EHTH income statement (TTM) | |
|---|---|
| Revenue | US$509.24m |
| Cost of Revenue | US$869.00k |
| Gross Profit | US$508.37m |
| Other Expenses | US$670.47m |
| Earnings | -US$162.10m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | -6.04 |
| Gross Margin | 99.83% |
| Net Profit Margin | -31.83% |
| Debt/Equity Ratio | 6.8% |
How did EHTH perform over the long term?
See historical performance and comparisonValuation
Is eHealth undervalued compared to its fair value and its price relative to the market?
Valuation Score
1/6Valuation Score 1/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry
0.38x
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: EHTH ($10.22) is trading above our estimate of fair value ($8.28)
Significantly Below Fair Value: EHTH is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: EHTH is unprofitable, so we can't compare its Price-To-Earnings Ratio to the US Insurance industry average.
PE vs Market: EHTH is unprofitable, so we can't compare its Price-To-Earnings Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate EHTH's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: EHTH is good value based on its Price-To-Book Ratio (0.4x) compared to the US Insurance industry average (1x).
Future Growth
How is eHealth forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
26.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: EHTH is forecast to remain unprofitable over the next 3 years.
Earnings vs Market: EHTH is forecast to remain unprofitable over the next 3 years.
High Growth Earnings: EHTH is forecast to remain unprofitable over the next 3 years.
Revenue vs Market: EHTH's revenue (6.6% per year) is forecast to grow slower than the US market (7.7% per year).
High Growth Revenue: EHTH's revenue (6.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: EHTH is forecast to be unprofitable in 3 years.
Past Performance
How has eHealth performed over the past 5 years?
Past Performance Score
0/6Past Performance Score 0/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-17.1%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EHTH is currently unprofitable.
Growing Profit Margin: EHTH is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: EHTH is unprofitable, and losses have increased over the past 5 years at a rate of 17.1% per year.
Accelerating Growth: Unable to compare EHTH's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: EHTH is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (-2.6%).
Return on Equity
High ROE: EHTH has a negative Return on Equity (-14.26%), as it is currently unprofitable.
Financial Health
How is eHealth's financial position?
Financial Health Score
3/6Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: EHTH's short term assets ($449.5M) exceed its short term liabilities ($60.4M).
Long Term Liabilities: EHTH's short term assets ($449.5M) exceed its long term liabilities ($146.7M).
Debt to Equity History and Analysis
Debt Level: EHTH has more cash than its total debt.
Reducing Debt: Insufficient data to determine if EHTH's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: EHTH's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if EHTH's interest payments on its debt are well covered by EBIT.
Balance Sheet
Dividend
What is eHealth current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
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 recent payouts.
High Dividend: Unable to evaluate EHTH's dividend yield against the top 25% of dividend payers, as the company has not reported any recent 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.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as EHTH has not reported any payouts.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
1.5yrs
Average management tenure
CEO
Fran Soistman (64 yo)
0.50
Tenure
US$10,645,998
Compensation
Mr. Francis Samuel Soistman, Jr., also known as Fran, serves as Chief Executive Officer and Director of eHealth, Inc. since November 1, 2021. He serves as Member of Scientific Advisory Board at Alveo Techn...
CEO Compensation Analysis
Compensation vs Market: Fran's total compensation ($USD10.65M) is above average for companies of similar size in the US market ($USD1.71M).
Compensation vs Earnings: Insufficient data to compare Fran's compensation with company performance.
Leadership Team
Experienced Management: EHTH's management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.
Board Members
Experienced Board: EHTH's board of directors are not considered experienced ( 1.2 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: EHTH 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 2.7%.
Top Shareholders
Company Information
eHealth, Inc.'s employee growth, exchange listings and data sources
Key Information
- Name: eHealth, Inc.
- Ticker: EHTH
- Exchange: NasdaqGS
- Founded: 1997
- Industry: Insurance Brokers
- Sector: Insurance
- Implied Market Cap: US$274.268m
- Shares outstanding: 26.84m
- Website: https://www.ehealthinsurance.com
Number of Employees
Location
- eHealth, Inc.
- 2625 Augustine Drive
- Second Floor
- Santa Clara
- California
- 95054
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/05/25 00:00 |
| End of Day Share Price | 2022/05/25 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/12/31 |
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.