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eHealth, Inc. EHTH R2K

Financial Services · Insurance Brokers · United States
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. It operates in two segments, Medicare; and Employer and Individual. The Medicare segment offers sale of Medicare-related health insurance plans, such as Medicare advantage, Medicare Supplement, and Medicare Part D prescription drug plans to Medicare-eligible beneficiaries including but not limited to, dental and vision insurance, and hospital indemnity plans, as well as advertising program for marketing and other services. The Employer and Individual segment is involved in the sale of individual, family, and small business health insurance plans; and ancillary products to non-Medicare-eligible customers including but not limited to, dental, vision, and short-term insurance. It also provides ecommerce platforms and consumer engagement solutions comprising market leading information, decision support, and transactional services to group of health insurance consumers; and organize and present the health insurance information in objective format to individuals, families, and small businesses to research, analyze, compare, and purchase health insurance plans. In addition, the company's platform allows eHealth to provide omnichannel capabilities to consumers who can shop and enroll in health insurance through an online interface. Further, it provides online sponsorship and advertising, non-broker of record, technology licensing, captive arrangements, and other services. eHealth, Inc. was incorporated in 1997 and is headquartered in Indianapolis, Indiana.

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$1.55
-62.20% 1Y

Market & Price

Market Cap
$49.20M
Current Price
$1.55
High / Low (52W)
$5.65 / $1.24
Beta
1.57

Valuation

Stock P/E
-
Industry PE
12.01
Forward P/E
1.16
PEG Ratio
0.75
Book Value
$19.09
Price to Book
0.08
P/S
0.09
EV/EBITDA
6.74
Dividend Yield
-

Profitability & Returns

ROCE
5.97%
ROE
3.52%
ROA
3.59%
Profit Margin
6.31%
Op Margin
3.97%
EPS (Latest Qtr)
$-0.58
EPS (TTM)
$-0.59

Balance Sheet & Liquidity

Debt/Equity
0.14
Quick Ratio
7.32
Current Ratio
7.59
Debt
$133.20M
Total Assets
$1.26B
Current Assets
$334.35M
Working Capital
$235.28M

Ownership

Promoter Holding
7.62%
Chg in Prom Hold
-
FII / Inst Holding
56.77%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$465.50M
Total Revenue (TTM)
$528.91M
EBITDA
$69.09M
Free Cash Flow
$5.55M
Operating Cash Flow
$-66.70M
Shares Outstanding
31.74M
Gross Margin
100.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
10.98%
Profit 5Y
48.38%
Revenue (YoY)
-22.20%
Earnings (YoY)
-

PROS

  • Compounding revenue at 11.0% over 5 years.
  • Profit CAGR of 48.4% over 5 years.
  • Generates positive free cash flow.

CONS

  • Trading 72.6% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 EHTH eHealth, Inc. R2K 1.55 - $49.20M - 5.97% 3.52% 10.98% 48.38%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
Ad space

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ------------43.07M32.66M40.75M134.92M68.77M65.77M69.91M301.75M106.41M88.77M94.28M134.21M96.56M63.91M105.25M50.41M53.38M73.72M66.77M64.72M92.96M65.86M58.41M113.12M60.78M53.87M326.24M88.02M
Cost of Revenue ----------------------------------------
Gross Profit --------------------------------29.45M18.89M-3.78M-----
Operating Expenses -----------------------------------108.32M82.27M94.94M199.98M84.52M
Operating Income -2.01M5.83M2.92M-12.39M23.68M-5.81M-6.92M-16.81M-4.11M-10.47M-15.67M20.80M-6.72M-16.92M-15.45M41.65M-9.18M-12.31M-20.24M123.14M1.03M-6.25M-20.85M-642.00K-25.33M-66.04M-39.71M-45.47M-48.27M-22.89M-26.15M-39.40M-17.91M-27.96M-43.20M4.80M-21.49M-41.07M126.26M3.49M
EBITDA -----------------------------------10.31M-18.23M-37.41M128.58M1.22M
Interest Expense -----------------------------------2.65M2.35M2.38M3.38M4.04M
Pretax Income -----------------------------------3.73M-24.05M-42.93M121.98M-6.07M
Tax Provision -----------------------------------1.78M-6.65M-11.24M34.80M-1.36M
Net Income -2.08M5.75M3.63M-12.07M18.03M-476.00K-5.74M-16.70M1.08M-1.51M-2.18M28.03M-4.84M-12.01M-8.97M26.07M-5.16M-5.75M-11.02M88.82M3.45M-3.37M-14.51M-800.00K-18.41M-53.01M-32.74M-37.50M-39.15M-19.88M-23.50M-37.02M-16.98M-27.97M-42.47M1.95M-17.40M-31.69M87.18M-4.71M
Diluted EPS -0.120.320.20-0.670.99-0.03-0.31-0.910.06-0.08-0.121.47-0.26-0.63-0.471.25-0.24-0.25-0.473.580.13-0.13-0.55-0.03-0.86-2.24-1.46-1.65-1.72-1.01-1.18-1.68-0.96-1.33-1.83-0.33-0.98-1.462.06-0.58

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue --------190.71M251.40M506.20M582.77M-405.36M452.87M532.41M554.01M
Cost of Revenue ------------1.99M1.65M1.77M1.79M-
Gross Profit ------------536.21M403.71M451.10M530.62M-
Operating Expenses -------------486.81M480.17M499.36M485.51M
Operating Income 25.84M32.56M13.24M13.43M3.73M-6.76M-5.65M2.82M-9.45M2.55M81.41M53.32M--83.10M-29.07M33.05M68.50M
EBITDA --------------77.65M295.00K46.81M83.25M
Interest Expense -------------7.63M10.97M11.16M10.76M
Pretax Income --------------106.39M-30.59M19.31M58.73M
Tax Provision --------------17.67M-2.38M9.26M18.68M
Net Income 15.35M17.48M6.72M7.08M1.72M-16.20M-4.76M304.00K25.43M241.00K66.89M45.45M--88.72M-28.21M10.06M40.04M
Diluted EPS 0.610.730.310.340.09-0.88-0.260.021.330.012.731.68--4.36-2.37-1.19-0.34
R&D Expense -6.40M7.30M8.40M10.10M12.10M10.60M8.90M7.60M6.90M8.10M9.10M10.40M12.10M13.70M12.40M13.80M

Compounded Sales Growth

5 Years:10.98%
1 Year:-22.20%

Compounded Profit Growth

5 Years:48.38%
1 Year:-

Stock Price Performance

1 Year:-62.20%
6 Months:-60.86%
3 Months:+19.23%
1 Month:-21.32%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --185.84M177.94M196.30M166.43M106.66M113.32M108.90M359.12M439.28M741.63M1.04B-1.11B1.11B1.16B1.26B
Current Assets --------------401.08M382.35M354.48M334.35M
Cash & Equivalents 94.14M131.34M128.07M123.61M140.85M107.06M51.41M62.71M61.78M40.29M13.09M23.47M43.76M-144.40M115.72M39.20M73.72M
Inventory ------------------
Receivables --------------2.63M3.99M16.81M7.69M
Total Liabilities ------------202.46M-461.66M507.31M567.00M670.87M
Current Liabilities --20.20M18.35M20.81M27.24M26.74M31.94M27.92M25.45M60.62M112.98M84.41M-60.56M78.54M96.01M99.07M
Long Term Debt ---------05.00M0--66.13M67.75M68.46M112.95M
Total Debt --------------106.80M103.16M96.92M134.35M
Total Equity 154.98M151.45M162.20M155.67M170.87M133.02M73.48M236.18M252.28M286.66M303.15M527.16M837.56M-650.96M606.03M588.43M591.60M
Shares Outstanding --------------39.98M41.46M43.23M44.80M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 30.09M20.51M22.54M24.89M20.95M1.78M13.70M4.08M-15.54M-3.23M-71.49M-107.86M--26.87M-6.69M-18.37M-25.34M
Investing Cash Flow 30.68M-10.60M-6.60M-10.10M-7.33M-8.10M-3.00M-3.73M-5.08M-25.76M-16.94M-73.28M-25.86M-15.89M-48.42M25.43M
Financing Cash Flow -23.56M-13.17M-20.38M2.44M-47.40M-49.33M577.00K-1.27M-870.00K1.86M102.14M201.25M-63.84M-6.22M-9.67M34.29M
Capital Expenditure -1.43M-2.95M-2.41M-3.85M-7.33M-3.60M-1.88M-1.89M-1.87M-4.53M-6.64M-7.75M--15.51M-10.78M-12.86M-15.31M
Free Cash Flow 28.65M17.56M20.13M21.04M13.62M-1.82M11.82M2.19M-17.41M-7.76M-78.13M-115.61M--42.38M-17.47M-31.22M-40.65M
Net Change in Cash -------------62.83M-28.81M-76.46M34.38M
Share Buybacks 29.36M26.20M25.36M9.43M59.01M50.00M00---------

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------99.6%99.6%99.7%-
Operating Margin % ---------5.0%1.0%16.1%9.1%--20.5%-6.4%6.2%12.4%
Net Margin % --------13.3%0.1%13.2%7.8%--21.9%-6.2%1.9%7.2%
ROE % 10.1%10.8%4.3%4.1%1.3%-22.1%-2.0%0.1%8.9%0.1%12.7%5.4%--13.6%-4.7%1.7%6.8%
ROCE % -19.7%8.3%7.7%2.7%-8.5%-6.9%3.5%-2.8%0.7%12.9%5.6%--7.9%-2.8%3.1%5.9%

Shareholding Pattern

Insiders
7.62%
Institutions
56.77%
Public Float
61.46%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 8.48% 2.69M $4.17M
2 8 Knots Management, LLC 7.35% 2.33M $3.61M
3 Nantahala Capital Management, LLC 5.55% 1.76M $2.73M
4 AQR Capital Management, LLC 5.40% 1.72M $2.66M
5 Palo Alto Investors Lp 4.67% 1.48M $2.30M
6 Vanguard Capital Management LLC 3.80% 1.21M $1.87M
7 Dimensional Fund Advisors LP 2.61% 828.20K $1.28M
8 Geode Capital Management, LLC 2.32% 736.31K $1.14M
9 Shaw D.E. & Co., Inc. 1.48% 469.55K $727.80K
10 Redwood Capital Management, LLC 1.47% 467.39K $724.46K

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