NasdaqGS:EHTH

Stock Analysis Report

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Executive Summary

eHealth, Inc. provides private health insurance exchange services to individuals, families, and small businesses in the United States and China. More Details


Snowflake Analysis

Exceptional growth potential with flawless balance sheet.


Similar Companies

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

-9.6%

EHTH

-5.4%

US Insurance

-4.6%

US Market


1 Year Return

7.4%

EHTH

-15.8%

US Insurance

11.5%

US Market

Return vs Industry: EHTH exceeded the US Insurance industry which returned -15.8% over the past year.

Return vs Market: EHTH underperformed the US Market which returned 11.5% over the past year.


Shareholder returns

EHTHIndustryMarket
7 Day-9.6%-5.4%-4.6%
30 Day-2.6%-0.2%-0.9%
90 Day7.3%-2.9%2.2%
1 Year7.4%7.4%-13.6%-15.8%14.0%11.5%
3 Year165.8%165.8%-3.8%-10.8%34.5%25.6%
5 Year495.7%495.7%31.1%14.7%73.0%53.6%

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 compared to its fair value and its price relative to the market?

25.24x

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 (25.2x) compared to the US Insurance industry average (13.3x).

PE vs Market: EHTH is poor value based on its PE Ratio (25.2x) compared to the US market (18.1x).


Price to Earnings Growth Ratio

PEG Ratio: EHTH is good value based on its PEG Ratio (0.7x)


Price to Book Ratio

PB vs Industry: EHTH is overvalued based on its PB Ratio (2.5x) compared to the US Insurance industry average (0.9x).


Next Steps

Future Growth

How is eHealth forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?

37.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: EHTH's forecast earnings growth (37.3% per year) is above the savings rate (2.2%).

Earnings vs Market: EHTH's earnings (37.3% per year) are forecast to grow faster than the US market (22% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: EHTH's revenue (22% per year) is forecast to grow faster than the US market (10% per year).

High Growth Revenue: EHTH's revenue (22% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: EHTH's Return on Equity is forecast to be high in 3 years time (22.2%)


Next Steps

Past Performance

How has eHealth performed over the past 5 years?

63.8%

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 (12.6%) are higher than last year (1.4%).


Past Earnings Growth Analysis

Earnings Trend: EHTH has become profitable over the past 5 years, growing earnings by 63.8% per year.

Accelerating Growth: EHTH's earnings growth over the past year (1444.5%) exceeds its 5-year average (63.8% per year).

Earnings vs Industry: EHTH earnings growth over the past year (1444.5%) exceeded the Insurance industry -3%.


Return on Equity

High ROE: EHTH's Return on Equity (9.6%) is considered low.


Next Steps

Financial Health

How is eHealth's financial position?


Financial Position Analysis

Short Term Liabilities: EHTH's short term assets ($378.4M) exceed its short term liabilities ($86.5M).

Long Term Liabilities: EHTH's short term assets ($378.4M) exceed its long term liabilities ($98.7M).


Debt to Equity History and Analysis

Debt Level: EHTH is debt free.

Reducing Debt: EHTH had no debt 5 years ago.

Debt Coverage: EHTH has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: EHTH has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Next Steps

Dividend

What is eHealth 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 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.


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

  • Explore strong dividend paying companies in the Insurance industry.

Management

How experienced are the management team and are they aligned to shareholders interests?

2.8yrs

Average management tenure


CEO

Scott Flanders (64 yo)

4.42yrs

Tenure

US$9,798,119

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 ($USD9.80M) is above average for companies of similar size in the US market ($USD4.51M).

Compensation vs Earnings: Scott's compensation has increased by more than 20% in the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Scott Flanders
CEO & Director4.42yrsUS$9.80m2.74%
$ 52.4m
Derek Yung
Senior VP & CFO2.33yrsUS$4.71m0.098%
$ 1.9m
Timothy Hannan
Chief Revenue Officer0.50yrUS$4.51m0.089%
$ 1.7m
John Pierantoni
Chief Accounting Officer & Principal Accounting Officer0.33yrno datano data
Kate Sidorovich
Vice President of Investor Relations12.75yrsno datano data
Scott Giesler
Senior VPno datano datano data
Dave Nicklaus
Senior Vice President of Sales & Operations3.33yrsno datano data
Christina Hoffman
Senior VP & Chief People Officer2.75yrsno datano data
John Desser
Senior Vice President of Public Policy & Government Affairs3.17yrsno datano data
Seth Teich
Senior VP and GM of Individual & Family and Small Business Group2.75yrsno datano data
Bill Billings
Chief Information Security Officer1.08yrsno datano data
Gregg Ratkovic
Senior Vice President of Carrier & Business Developmentno datano data0.026%
$ 505.0k

2.8yrs

Average Tenure

48yo

Average Age

Experienced Management: EHTH's management team is considered experienced (2.8 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Scott Flanders
CEO & Director4.42yrsUS$9.80m2.74%
$ 52.4m
Dale Wolf
Independent Director1.17yrsUS$180.25k0.019%
$ 370.9k
Michael Goldberg
Independent Director21.33yrsUS$220.70k0.17%
$ 3.3m
Beth Brooke
Independent Director1.17yrsUS$161.46k0.0039%
$ 74.1k
Randall Livingston
Independent Director11.83yrsUS$222.70k0.17%
$ 3.2m
Jack Oliver
Lead Independent Director1.33yrsUS$227.57k0.16%
$ 3.0m
Andrea Brimmer
Independent Director1.83yrsUS$205.07k0.013%
$ 240.3k

1.8yrs

Average Tenure

62yo

Average Age

Experienced Board: EHTH's board of directors are not considered experienced ( 1.8 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 12.9%.


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$1.910b
  • Shares outstanding: 25.75m
  • 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 Analysis2020/10/29 00:21
End of Day Share Price2020/10/28 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.