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EHTH

eHealth NasdaqGS:EHTH Stock Report

Last Price

US$10.22

Market Cap

US$274.3m

7D

-2.6%

1Y

-84.3%

Updated

25 May, 2022

Data

Company Financials +
EHTH fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance0/6
Financial Health3/6
Dividends0/6

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

Summary of all time highs, changes and price drops for eHealth
Historical stock prices
Current Share PriceUS$10.22
52 Week HighUS$66.47
52 Week LowUS$7.89
Beta0.35
1 Month Change14.06%
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

Apr 29

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

EHTHUS InsuranceUS 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

Is EHTH's price volatile compared to industry and market?
EHTH volatility
EHTH Average Weekly Movement14.3%
Insurance Industry Average Movement5.1%
Market Average Movement7.8%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market2.9%

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

FoundedEmployeesCEOWebsite
19972,379Fran Soistmanhttps://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

How do eHealth's earnings and revenue compare to its market cap?
EHTH fundamental statistics
Market CapUS$274.27m
Earnings (TTM)-US$162.10m
Revenue (TTM)US$509.24m

0.5x

P/S Ratio

-1.7x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
EHTH income statement (TTM)
RevenueUS$509.24m
Cost of RevenueUS$869.00k
Gross ProfitUS$508.37m
Other ExpensesUS$670.47m
Earnings-US$162.10m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)-6.04
Gross Margin99.83%
Net Profit Margin-31.83%
Debt/Equity Ratio6.8%

How did EHTH perform over the long term?

See historical performance and comparison

Valuation

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

Valuation Score

1/6

Valuation 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

0/6

Future 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

0/6

Past 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

3/6

Financial 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

0/6

Dividend 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/25 00:00
End of Day Share Price2022/05/25 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.