eHealth, Inc. Logo

eHealth, Inc.

EHTH

(1.2)
Stock Price

4,03 USD

-6.82% ROA

-4.35% ROE

-2.99x PER

Market Cap.

210.892.288,00 USD

12.3% DER

0% Yield

-8.49% NPM

eHealth, Inc. Stock Analysis

eHealth, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

eHealth, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.24x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (12%), which means it has a small amount of debt compared to the ownership it holds

3 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

4 ROE

The stock's ROE indicates a negative return (-6.91%) on shareholders' equity, suggesting poor financial performance.

5 ROA

The stock's ROA (-5.87%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

6 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

7 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

8 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

10 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

11 Buffet Intrinsic Value

The company's stock appears overvalued (-3) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

eHealth, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

eHealth, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

eHealth, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

eHealth, Inc. Revenue
Year Revenue Growth
2001 9.287.000
2002 16.580.000 43.99%
2003 22.236.000 25.44%
2004 30.215.000 26.41%
2005 41.752.000 27.63%
2006 61.310.000 31.9%
2007 87.791.000 30.16%
2008 111.711.000 21.41%
2009 134.890.000 17.18%
2010 160.404.000 15.91%
2011 151.648.000 -5.77%
2012 155.473.000 2.46%
2013 179.180.000 13.23%
2014 179.677.000 0.28%
2015 189.541.000 5.2%
2016 186.960.000 -1.38%
2017 190.706.000 1.96%
2018 251.395.000 24.14%
2019 506.201.000 50.34%
2020 582.774.000 13.14%
2021 538.199.000 -8.28%
2022 405.356.000 -32.77%
2023 258.872.000 -56.59%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

eHealth, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 7.461.000 100%
2005 8.054.000 7.36%
2006 10.137.000 20.55%
2007 12.393.000 18.2%
2008 14.182.000 12.61%
2009 15.685.000 9.58%
2010 19.241.000 18.48%
2011 21.657.000 11.16%
2012 21.406.000 -1.17%
2013 32.579.000 34.3%
2014 40.390.000 19.34%
2015 36.351.000 -11.11%
2016 32.749.000 -11%
2017 32.889.000 0.43%
2018 31.970.000 -2.87%
2019 47.085.000 32.1%
2020 65.188.000 27.77%
2021 83.800.000 22.21%
2022 78.809.000 -6.33%
2023 55.312.000 -42.48%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

eHealth, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 13.084.000
2002 12.312.000 -6.27%
2003 0 0%
2004 12.962.000 100%
2005 15.930.000 18.63%
2006 20.473.000 22.19%
2007 28.183.000 27.36%
2008 32.362.000 12.91%
2009 35.713.000 9.38%
2010 61.106.000 41.56%
2011 71.148.000 14.11%
2012 26.169.000 -171.88%
2013 29.235.000 10.49%
2014 27.549.000 -6.12%
2015 30.858.000 10.72%
2016 36.004.000 14.29%
2017 39.969.000 9.92%
2018 45.828.000 12.78%
2019 64.150.000 28.56%
2020 76.452.000 16.09%
2021 97.208.000 21.35%
2022 71.810.000 -35.37%
2023 81.688.000 12.09%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

eHealth, Inc. EBITDA
Year EBITDA Growth
2001 -22.611.000
2002 -9.658.000 -134.12%
2003 -3.269.000 -195.44%
2004 -1.963.000 -66.53%
2005 265.000 840.75%
2006 8.190.000 96.76%
2007 17.725.000 53.79%
2008 23.123.000 23.34%
2009 28.051.000 17.57%
2010 35.906.000 21.88%
2011 17.641.000 -103.54%
2012 17.455.000 -1.07%
2013 8.412.000 -107.5%
2014 -1.041.000 908.07%
2015 9.359.000 111.12%
2016 -934.000 1102.03%
2017 -2.869.000 67.45%
2018 37.804.000 107.59%
2019 138.558.000 72.72%
2020 66.266.000 -109.09%
2021 -4.334.000 1628.98%
2022 -42.373.000 89.77%
2023 -157.584.000 73.11%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

eHealth, Inc. Gross Profit
Year Gross Profit Growth
2001 9.287.000
2002 16.580.000 43.99%
2003 15.451.000 -7.31%
2004 29.768.000 48.1%
2005 41.138.000 27.64%
2006 60.005.000 31.44%
2007 86.089.000 30.3%
2008 109.965.000 21.71%
2009 130.309.000 15.61%
2010 154.905.000 15.88%
2011 143.308.000 -8.09%
2012 150.690.000 4.9%
2013 173.719.000 13.26%
2014 175.183.000 0.84%
2015 185.363.000 5.49%
2016 183.784.000 -0.86%
2017 190.124.000 3.33%
2018 250.167.000 24%
2019 503.463.000 50.31%
2020 578.691.000 13%
2021 536.207.000 -7.92%
2022 403.709.000 -32.82%
2023 258.096.000 -56.42%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

eHealth, Inc. Net Profit
Year Net Profit Growth
2001 -19.767.000
2002 -9.646.000 -104.92%
2003 -3.195.000 -201.91%
2004 -3.327.000 3.97%
2005 -414.000 -703.62%
2006 16.503.000 102.51%
2007 31.595.000 47.77%
2008 14.168.000 -123%
2009 15.347.000 7.68%
2010 17.482.000 12.21%
2011 6.724.000 -159.99%
2012 7.082.000 5.06%
2013 1.723.000 -311.03%
2014 -16.205.000 110.63%
2015 -4.763.000 -240.23%
2016 -4.882.000 2.44%
2017 25.426.000 119.2%
2018 241.000 -10450.21%
2019 66.887.000 99.64%
2020 45.450.000 -47.17%
2021 -104.375.000 143.54%
2022 -88.722.000 -17.64%
2023 -188.972.000 53.05%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

eHealth, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 -5
2002 -2 -100%
2003 -1 0%
2004 -1 0%
2005 0 0%
2006 2 100%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 -1 0%
2015 0 0%
2016 0 0%
2017 1 100%
2018 0 0%
2019 3 100%
2020 2 -100%
2021 -4 133.33%
2022 -3 0%
2023 -7 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

eHealth, Inc. Free Cashflow
Year Free Cashflow Growth
2004 -2.181.000
2005 1.280.000 270.39%
2006 9.164.000 86.03%
2007 24.415.000 62.47%
2008 27.712.000 11.9%
2009 28.653.000 3.28%
2010 17.561.000 -63.16%
2011 20.134.000 12.78%
2012 21.038.000 4.3%
2013 13.621.000 -54.45%
2014 -6.325.000 315.35%
2015 10.700.000 159.11%
2016 357.000 -2897.2%
2017 -20.619.000 101.73%
2018 -14.058.000 -46.67%
2019 -88.364.000 84.09%
2020 -131.616.000 32.86%
2021 -183.479.000 28.27%
2022 -42.375.000 -332.99%
2023 -28.893.000 -46.66%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

eHealth, Inc. Operating Cashflow
Year Operating Cashflow Growth
2004 -599.000
2005 2.617.000 122.89%
2006 11.412.000 77.07%
2007 26.192.000 56.43%
2008 30.194.000 13.25%
2009 30.086.000 -0.36%
2010 20.509.000 -46.7%
2011 22.541.000 9.01%
2012 24.891.000 9.44%
2013 20.947.000 -18.83%
2014 1.779.000 -1077.46%
2015 13.696.000 87.01%
2016 4.083.000 -235.44%
2017 -15.541.000 126.27%
2018 -3.230.000 -381.15%
2019 -71.492.000 95.48%
2020 -107.860.000 33.72%
2021 -162.622.000 33.67%
2022 -26.869.000 -505.24%
2023 -24.681.000 -8.87%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

eHealth, Inc. Capital Expenditure
Year Capital Expenditure Growth
2004 1.582.000
2005 1.337.000 -18.32%
2006 2.248.000 40.52%
2007 1.777.000 -26.51%
2008 2.482.000 28.4%
2009 1.433.000 -73.2%
2010 2.948.000 51.39%
2011 2.407.000 -22.48%
2012 3.853.000 37.53%
2013 7.326.000 47.41%
2014 8.104.000 9.6%
2015 2.996.000 -170.49%
2016 3.726.000 19.59%
2017 5.078.000 26.62%
2018 10.828.000 53.1%
2019 16.872.000 35.82%
2020 23.756.000 28.98%
2021 20.857.000 -13.9%
2022 15.506.000 -34.51%
2023 4.212.000 -268.14%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

eHealth, Inc. Equity
Year Equity Growth
2001 -62.859.000
2002 13.968.000 550.02%
2003 -75.452.000 118.51%
2004 -78.396.000 3.76%
2005 -78.181.000 -0.28%
2006 95.740.000 181.66%
2007 135.894.000 29.55%
2008 154.979.000 12.31%
2009 151.451.000 -2.33%
2010 162.197.000 6.63%
2011 155.674.000 -4.19%
2012 170.867.000 8.89%
2013 133.017.000 -28.46%
2014 73.478.000 -81.03%
2015 76.421.000 3.85%
2016 77.601.000 1.52%
2017 286.664.000 72.93%
2018 303.149.000 5.44%
2019 527.164.000 42.49%
2020 837.558.000 37.06%
2021 982.111.000 14.72%
2022 914.239.000 -7.42%
2023 848.520.000 -7.75%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

eHealth, Inc. Assets
Year Assets Growth
2001 28.523.000
2002 18.152.000 -57.13%
2003 14.620.000 -24.16%
2004 12.898.000 -13.35%
2005 15.165.000 14.95%
2006 104.928.000 85.55%
2007 147.453.000 28.84%
2008 168.755.000 12.62%
2009 169.708.000 0.56%
2010 185.845.000 8.68%
2011 177.945.000 -4.44%
2012 196.301.000 9.35%
2013 166.426.000 -17.95%
2014 106.664.000 -56.03%
2015 113.319.000 5.87%
2016 108.899.000 -4.06%
2017 359.118.000 69.68%
2018 439.278.000 18.25%
2019 741.634.000 40.77%
2020 1.040.022.000 28.69%
2021 1.149.292.000 9.51%
2022 1.112.611.000 -3.3%
2023 1.026.376.000 -8.4%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

eHealth, Inc. Liabilities
Year Liabilities Growth
2001 91.382.000
2002 4.184.000 -2084.08%
2003 90.072.000 95.35%
2004 91.294.000 1.34%
2005 93.346.000 2.2%
2006 9.188.000 -915.96%
2007 11.559.000 20.51%
2008 13.776.000 16.09%
2009 18.257.000 24.54%
2010 23.648.000 22.8%
2011 22.271.000 -6.18%
2012 25.434.000 12.44%
2013 33.409.000 23.87%
2014 33.186.000 -0.67%
2015 36.898.000 10.06%
2016 31.298.000 -17.89%
2017 72.454.000 56.8%
2018 136.129.000 46.78%
2019 214.470.000 36.53%
2020 202.464.000 -5.93%
2021 167.181.000 -21.1%
2022 198.372.000 15.72%
2023 177.856.000 -11.54%

eHealth, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
14.28
Net Income per Share
-2.49
Price to Earning Ratio
-2.99x
Price To Sales Ratio
0.53x
POCF Ratio
25.76
PFCF Ratio
-61.2
Price to Book Ratio
0.25
EV to Sales
0.41
EV Over EBITDA
-6.79
EV to Operating CashFlow
20.1
EV to FreeCashFlow
-47.34
Earnings Yield
-0.33
FreeCashFlow Yield
-0.02
Market Cap
0,21 Bil.
Enterprise Value
0,16 Bil.
Graham Number
41.11
Graham NetNet
5.07

Income Statement Metrics

Net Income per Share
-2.49
Income Quality
-0.14
ROE
-0.08
Return On Assets
-0.03
Return On Capital Employed
-0.02
Net Income per EBT
1.26
EBT Per Ebit
1.05
Ebit per Revenue
-0.06
Effective Tax Rate
0.08

Margins

Sales, General, & Administrative to Revenue
0.21
Research & Developement to Revenue
0.26
Stock Based Compensation to Revenue
0.06
Gross Profit Margin
0.99
Operating Profit Margin
-0.06
Pretax Profit Margin
-0.07
Net Profit Margin
-0.08

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
-0.01
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.29
Free CashFlow per Share
-0.12
Capex to Operating CashFlow
-1.42
Capex to Revenue
-0.03
Capex to Depreciation
-0.56
Return on Invested Capital
-0.04
Return on Tangible Assets
-0.07
Days Sales Outstanding
193.55
Days Payables Outstanding
1682.99
Days of Inventory on Hand
0
Receivables Turnover
1.89
Payables Turnover
0.22
Inventory Turnover
0
Capex per Share
-0.41

Balance Sheet

Cash per Share
5,71
Book Value per Share
30,18
Tangible Book Value per Share
30.18
Shareholders Equity per Share
30.18
Interest Debt per Share
4.69
Debt to Equity
0.12
Debt to Assets
0.1
Net Debt to EBITDA
1.99
Current Ratio
7.45
Tangible Asset Value
0,85 Bil.
Net Current Asset Value
0,22 Bil.
Invested Capital
0.12
Working Capital
0,34 Bil.
Intangibles to Total Assets
0
Average Receivables
0,20 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
0.49

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

eHealth, Inc. Dividends
Year Dividends Growth

eHealth, Inc. Profile

About eHealth, Inc.

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. The company operates a marketplace that offers consumers a choice of insurance products, such as Medicare Advantage, Medicare Supplement, Medicare Part D prescription drug, individual and family, small business, and other ancillary health insurance products from health insurance carriers. It markets health insurance plans through its websites, including 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 ecommerce technology that enables health insurance carriers to market and distribute health insurance plans online; and provides online sponsorship and advertising, and lead referral services. eHealth, Inc. was incorporated in 1997 and is headquartered in Santa Clara, California.

CEO
Mr. Francis Samuel Soistman Jr
Employee
1.903
Address
2625 Augustine Drive
Santa Clara, 95054

eHealth, Inc. Executives & BODs

eHealth, Inc. Executives & BODs
# Name Age
1 Mr. Bill Billings
Chief Information Security Officer
70
2 Mr. Gregg R. Ratkovic
Senior Vice President & Chief Business Officer
70
3 Mr. Bob Rees
Chief Sales Officer
70
4 Ms. Kate Sidorovich CFA
Senior Vice President of Investor Relations & Strategy
70
5 Ms. Jana Brown
Senior Vice President & Chief People Officer
70
6 Ms. Lara Sasken
Senior Vice President of Communications
70
7 Mr. Gavin Guy Galimi
Senior Vice President, General Counsel & Corporate Secretary
70
8 Mr. Francis Samuel Soistman Jr.
Chief Executive Officer & Director
70
9 Mr. John Joseph Stelben
Senior Vice President & Chief Financial Officer
70
10 Mr. John Joseph Dolan
Chief Accounting Officer & Principal Accounting Officer
70

eHealth, Inc. Competitors