NasdaqGS:EHTH

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.

Snowflake

Fundamentals

Excellent balance sheet with reasonable growth potential.

Risks

  • eHealth has significant price volatility in the past 3 months.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-1.6%

NasdaqGS:EHTH

-1.1%

US Insurance

0.2%

US Market


1 Year Return

246.4%

NasdaqGS:EHTH

7.1%

US Insurance

-0.7%

US Market

EHTH outperformed the Insurance industry which returned 8.8% over the past year.

EHTH outperformed the Market in United States of America which returned 0.3% over the past year.


Share holder returns

EHTHIndustryMarket
7 Day-1.6%-1.1%0.2%
30 Day17.6%-3.0%-2.7%
90 Day62.6%0.8%1.6%
1 Year246.4%246.4%9.7%7.1%1.6%-0.7%
3 Year820.6%820.6%44.1%33.2%40.0%30.9%
5 Year340.0%340.0%63.8%44.3%53.8%36.8%

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

Valuation

Is eHealth undervalued based on future cash flows and its price relative to the stock market?

350.4x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for eHealth to establish if it is available at moderate discount.

Unable to calculate intrinsic value for eHealth to establish if it is available at substantial discount.


Price Based on Earnings

eHealth is overvalued based on earnings compared to the US Insurance industry average.

eHealth is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

eHealth is poor value based on expected growth next year.


Price Based on Value of Assets

eHealth is overvalued based on assets compared to the US Insurance industry average.


Next Steps

Future Growth

How is eHealth expected to perform in the next 1 to 3 years based on estimates from 10 analysts?

80.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

eHealth's revenue is expected to grow by 19.8% yearly, however this is not considered high growth (20% yearly).

eHealth's earnings are expected to grow significantly at over 20% yearly.

eHealth's revenue growth is expected to exceed the United States of America market average.

eHealth's earnings growth is expected to exceed the United States of America market average.

eHealth's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if eHealth will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has eHealth performed over the past 5 years?

7.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

eHealth's year on year earnings growth rate has been positive over the past 5 years.

eHealth's 1-year earnings growth is negative, it can't be compared to the 5-year average.

eHealth's 1-year earnings growth is negative, it can't be compared to the US Insurance industry average.


Return on Equity

eHealth has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

eHealth used its assets less efficiently than the US Insurance industry average last year based on Return on Assets.


Return on Capital Employed

eHealth's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is eHealth's financial position?


Financial Position Analysis

eHealth is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

eHealth's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

eHealth's level of debt (0%) compared to net worth is satisfactory (less than 40%).

Unable to establish if eHealth's debt level has increased without past 5-year debt data.

Debt is well covered by operating cash flow (1.7509150926286E+17%, greater than 20% of total debt).

eHealth has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet

Low level of unsold assets.

Debt is not covered by short term assets, assets are -3.4719234689818E+16x debt.


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate eHealth's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate eHealth's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as eHealth has not reported any payouts.

Unable to verify if eHealth's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as eHealth has not reported any payouts.


Future Payout to Shareholders

No need to calculate the sustainability of eHealth's dividends in 3 years as they are not expected to pay a notable one for United States of America.


Next Steps

Management

What is the CEO of eHealth's salary, the management and board of directors tenure and is there insider trading?

1.9yrs

Average management tenure


CEO

Scott Flanders (63yo)

3.3yrs

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

Scott's remuneration is about average for companies of similar size in United States of America.

Scott's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.


Management Age and Tenure

1.9yrs

Average Tenure

49yo

Average Age

The average tenure for the eHealth management team is less than 2 years, this suggests a new team.


Board Age and Tenure

11.5yrs

Average Tenure

62yo

Average Age

The average tenure for the eHealth board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

eHealth individual insiders have only sold shares in the past 3 months.


Recent Insider Transactions

SellUS$219,07112 Aug 19
David Francis
EntityIndividual
Role
Chief Operating Officer
Chief Operating Officer
Shares2,000
Max PriceUS$109.54
SellUS$1,531,58909 Aug 19
Robert Hurley
EntityIndividual
Role
Senior Key Executive
President of Carrier & Business Development
Shares14,313
Max PriceUS$107.55
SellUS$103,00001 Aug 19
David Francis
EntityIndividual
Role
Chief Operating Officer
Chief Operating Officer
Shares1,000
Max PriceUS$103.00
SellUS$500,48001 Aug 19
Timothy Hannan
EntityIndividual
Role
Head of Marketing
Chief Marketing Officer
Shares4,785
Max PriceUS$105.23
SellUS$1,876,37814 May 19
Scott Flanders
EntityIndividual
Role
Chief Executive Officer
CEO & Director
Shares30,755
Max PriceUS$62.44
BuyUS$110,72028 Feb 19
Derek Yung
EntityIndividual
Role
Chief Financial Officer
Senior VP & CFO
Shares2,000
Max PriceUS$55.36

Ownership Breakdown


Management Team

  • Scott Flanders (63yo)

    CEO & Director

    • Tenure: 3.3yrs
    • Compensation: US$3.50m
  • Robert Hurley (59yo)

    President of Carrier & Business Development

    • Tenure: 1.6yrs
    • Compensation: US$888.48k
  • Dave Francis (52yo)

    Chief Operating Officer

    • Tenure: 2.8yrs
    • Compensation: US$1.73m
  • Kate Sidorovich

    Vice President of Investor Relations

    • Tenure: 11.6yrs
  • Ian Kalin (38yo)

    Chief Technology Officer

    • Tenure: 1.4yrs
  • Scott Giesler

    Senior VP

    • Tenure: 0.0yrs
  • Derek Yung (46yo)

    Senior VP & CFO

    • Tenure: 1.2yrs
    • Compensation: US$2.68m
  • Tim Hannan (41yo)

    Chief Marketing Officer

    • Tenure: 2.2yrs
    • Compensation: US$1.11m
  • Dave Nicklaus

    Senior Vice President of Sales & Operations

    • Tenure: 0.0yrs
  • Christina Hoffman

    Senior VP & Chief People Officer

    • Tenure: 1.6yrs

Board Members

  • Dale Wolf (65yo)

    Independent Director

    • Tenure: 0.0yrs
  • Michael Goldberg (61yo)

    Director

    • Tenure: 20.2yrs
    • Compensation: US$227.93k
  • Scott Flanders (63yo)

    CEO & Director

    • Tenure: 3.3yrs
    • Compensation: US$3.50m
  • Randy Livingston (65yo)

    Director

    • Tenure: 10.7yrs
    • Compensation: US$228.93k
  • Jack Oliver (50yo)

    Director

    • Tenure: 13.7yrs
    • Compensation: US$217.93k
  • Andrea Brimmer (53yo)

    Director

    • Tenure: 0.7yrs
    • Compensation: US$147.75k

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$2.347b
  • Shares outstanding: 22.81m
  • Website: https://www.ehealthinsurance.com

Number of Employees


Location

  • eHealth, Inc.
  • 2625 Augustine Drive
  • Second Floor
  • Santa Clara
  • California
  • 95054
  • 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 health insurance exchange services to individuals, families, and small businesses in the United States and China. The company operates through two segments, Medicare; and Ind ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 00:13
End of Day Share Price2019/08/20 00:00
Earnings2019/06/30
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.