A Business at a Glance
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eHealth, Inc.
EHTH
$42M
Mkt Cap
$1.34
-0.74%
eHealth, Inc. (EHTH) has a 5-year average return on invested capital (ROIC) of -8.1%. This is below average and may indicate limited pricing power.
eHealth, Inc. (EHTH) has a market capitalization of $42M. It is classified as a small-cap stock.
Yes, eHealth, Inc. (EHTH) pays a dividend with a trailing twelve-month yield of 14.21%.
eHealth, Inc. (EHTH) operates in the Insurance Agents, Brokers & Service industry, within the Financials sector.
eHealth, Inc. (EHTH) reported annual revenue of $554 million in its most recent fiscal year, based on SEC EDGAR filings.
eHealth, Inc. (EHTH) has a net profit margin of 7.2%. This is a modest margin.
eHealth, Inc. (EHTH) generated $-28 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
Table of Contents SUMMARY OF RISK FACTORS Investing in our securities involves a high degree of risk. Investors should carefully consider the risks and uncertainties discussed under the caption “Risk Factors” and elsewhere in this Annual Report on Form 10-K before deciding whether to invest in our securities. The following is a list of some of these risks: •The markets in which we participate are intensely competitive. If we cannot compete effectively against current and future competitors, including government-run health insurance exchanges and marketplaces, our business, operating results and financial condition could suffer. •Changes and developments in the health care industry or system, including changes in laws and regulations, could harm our business, operating results and financial condition. •Our business may be harmed if we lose our relationship with health insurance carriers or our relationships with health insurance carriers are modified.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 529M | 554M | 532M | 453M | 405M | 538M |
| Net Income | -19M | 40M | -35M | -67M | -119M | -123M |
| EPS | $-0.65 | $1.29 | $-1.19 | $-2.37 | $-4.36 | $-4.59 |
| Free Cash Flow | -69M | -28M | -20M | -8.8M | -27M | -166M |
| ROIC | 6.7% | 5.9% | -5.3% | -9.6% | -16.3% | -15.5% |
| Gross Margin | 44.6% | 43.5% | 39.2% | 35.2% | 99.6% | 99.6% |
| Debt/Equity | 0.40 | 0.38 | 0.12 | 0.11 | 0.10 | 0.00 |
| Dividends/Share | $0.00 | $0.19 | $0.19 | $0.13 | $0.00 | $0.00 |
| Operating Income | 59M | 66M | 24M | -29M | -103M | -126M |
| Operating Margin | 11.1% | 12.0% | 4.4% | -6.4% | -25.3% | -23.3% |
| ROE | -3.2% | 6.8% | -5.9% | -10.6% | -17.1% | -15.5% |
| Shares Outstanding | 31M | 31M | 29M | 28M | 27M | 27M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 180M | 190M | 193M | 191M | 251M | 506M | 583M | 538M | 405M | 453M | 532M | 554M | 529M |
| Gross Margin | 20.6% | 20.8% | 26.7% | 22.1% | 23.3% | 32.1% | 25.9% | 99.6% | 99.6% | 35.2% | 39.2% | 43.5% | 44.6% |
| R&D | 12M | 11M | 8.9M | 7.6M | 6.9M | 8.1M | 9.1M | 10M | 12M | 14M | 12M | 14M | 14M |
| SG&A | 28M | 30M | 35M | 40M | 46M | 64M | 76M | 76M | 72M | 99M | 90M | 90M | 88M |
| EBIT | -6.8M | -5.7M | 2.8M | -9.5M | 2.6M | 81M | 53M | -126M | -103M | -29M | 24M | 66M | 59M |
| Op. Margin | -3.8% | -3.0% | 1.5% | -5.0% | 1.0% | 16.1% | 9.1% | -23.3% | -25.3% | -6.4% | 4.4% | 12.0% | 11.1% |
| Net Income | -16M | -4.8M | 304K | 25M | 241K | 67M | 45M | -123M | -119M | -67M | -35M | 40M | -19M |
| Net Margin | -9.0% | -2.5% | 0.2% | 13.3% | 0.1% | 13.2% | 7.8% | -22.8% | -29.5% | -14.7% | -6.6% | 7.2% | -3.5% |
| Non-Recurring | 0 | 4.5M | 297K | 0 | 1.9M | 0 | 0 | 45M | 20M | 0 | 9.5M | 2.0M | 7.5M |
| Returns on Capital | |||||||||||||
| ROIC | -15.7% | -5.0% | 1.6% | 9.4% | 0.1% | 16.0% | 6.7% | -15.5% | -16.3% | -9.6% | -5.3% | 5.9% | 6.7% |
| ROE | -15.7% | N/A | N/A | 9.4% | 0.1% | 16.1% | 6.7% | -15.5% | -17.1% | -10.6% | -5.9% | 6.8% | -3.2% |
| ROA | -11.9% | -4.3% | 0.3% | 10.9% | 0.1% | 11.3% | 5.1% | -11.2% | -10.6% | -6.0% | -3.1% | 3.3% | -1.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 1.8M | 14M | 4.1M | -16M | -3.2M | -71M | -108M | -163M | -27M | -6.7M | -18M | -25M | -67M |
| Free Cash Flow | -1.8M | 12M | 2.2M | -17M | -7.8M | -78M | -116M | -166M | -27M | -8.8M | -20M | -28M | -69M |
| Owner Earnings | -8.3M | 2.6M | -6.7M | -29M | -20M | -101M | -144M | -214M | -68M | -50M | -40M | -42M | -90M |
| CapEx | 3.6M | 1.9M | 1.9M | 1.9M | 4.5M | 6.6M | 7.8M | 3.9M | 214K | 2.1M | 2.1M | 2.3M | 2.1M |
| Maint. CapEx | 4.2M | 4.1M | 3.5M | 3.9M | 4.6M | 6.8M | 11M | 18M | 21M | 20M | 2.0M | 1.9M | 9.8M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 111K | 369K | 0 |
| D&A | 4.2M | 4.1M | 3.5M | 3.9M | 4.6M | 6.8M | 11M | 18M | 21M | 20M | 2.0M | 1.9M | 9.8M |
| CapEx/OCF | 202.6% | 13.7% | 46.3% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.5M | 5.6M | 5.9M | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.6% | 3.5% | 3.4% | N/A |
| Share Buybacks | 50M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | 10.1% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 5.9M | 7.0M | 7.3M | 9.7M | 13M | 23M | 25M | 33M | 20M | 23M | 20M | 15M | 14M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 5.0M | 0 | 0 | 0 | 0 | 0 | 71M | 71M |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | -40M | -8.1M | -23M | -93M | -123M | -78M | -54M | -14M | 149M | 117M |
| Cash & Equiv. | 51M | 63M | 62M | 40M | 13M | 23M | 44M | 82M | 144M | 116M | 39M | 74M | 111M |
| Long-Term Debt | N/A | N/A | N/A | 0 | 5.0M | 0 | 0 | 0 | 66M | 68M | 68M | 113M | 114M |
| Debt/Equity | 0.45 | N/A | N/A | 0.00 | 0.02 | 0.00 | 0.00 | 0.00 | 0.10 | 0.11 | 0.12 | 0.38 | 0.40 |
| Interest Coverage | -260.1 | -56.5 | 28.2 | N/A | 2.3 | 70.9 | N/A | -148.7 | -13.5 | -2.6 | 2.1 | 6.2 | 4.8 |
| Equity | 73M | N/A | N/A | 287M | 303M | 527M | 838M | 750M | 651M | 606M | 588M | 592M | 576M |
| Total Assets | 107M | 113M | 109M | 359M | 439M | 742M | 1.0B | 1.1B | 1.1B | 1.1B | 1.2B | 1.3B | 1.2B |
| Total Liabilities | 33M | N/A | N/A | 66M | 80M | 150M | 202M | 167M | 198M | 209M | 229M | 289M | 231M |
| Intangibles | 11M | 9.6M | 8.6M | 7.5M | 12M | 10M | 8.6M | 1.9M | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 14M | 9.5M | 4.6M | 205M | 205M | 272M | 316M | 193M | 74M | 7.3M | 15M | 30M | 12M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | -0.88 | -0.26 | 0.02 | 1.33 | 0.01 | 2.73 | 1.68 | -4.59 | -4.36 | -2.37 | -1.19 | 1.29 | -0.65 |
| Owner EPS | -0.45 | 0.14 | -0.44 | -1.52 | -0.84 | -4.12 | -5.34 | -7.98 | -2.49 | -1.78 | -1.37 | -1.36 | -2.89 |
| Book Value | 3.99 | N/A | N/A | 15.00 | 12.58 | 21.52 | 30.96 | 27.98 | 23.77 | 21.59 | 20.03 | 19.09 | 18.49 |
| Cash Flow/Share | 0.10 | 0.75 | 0.27 | -0.81 | -0.13 | -2.92 | -3.99 | -6.07 | -0.98 | -0.24 | -0.63 | -0.82 | -0.28 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 | 0.00 | 0.13 | 0.19 | 0.19 | 0.00 |
| Shares Out. | 18.4M | 18.3M | 15.2M | 19.1M | 24.1M | 24.5M | 27.1M | 26.8M | 27.4M | 28.1M | 29.4M | 31.0M | 31.1M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | 535.0 | 13.1 | N/A | 34.6 | 42.8 | N/A | N/A | N/A | N/A | N/A | -2.1 |
| P/FCF | N/A | 16.1 | 74.1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | 343.5 | 28.1 | N/A | N/A | N/A | N/A | 10.2 | 2.4 | 2.7 |
| Price/Book | 6.7 | N/A | N/A | 1.2 | 2.9 | 4.4 | 2.3 | 0.9 | 0.2 | 0.4 | 0.4 | 0.2 | 0.1 |
| Price/Sales | 3.7 | 1.2 | 0.9 | 1.8 | 2.3 | 3.5 | 4.5 | 2.6 | 0.7 | 0.5 | 0.3 | 0.3 | 0.1 |
| FCF Yield | -0.4% | 6.2% | 1.3% | -5.2% | -0.9% | -3.4% | -5.9% | -24.1% | -21.8% | -3.5% | -8.1% | -21.9% | -164.9% |
| Market Cap | 496M | 190M | 163M | 332M | 884M | 2.3B | 1.9B | 689M | 124M | 250M | 254M | 126M | 42M |
| Avg. Price | 35.81 | 12.73 | 11.02 | 17.51 | 23.91 | 72.32 | 97.08 | 52.80 | 9.77 | 7.93 | 5.36 | 5.58 | 1.34 |
| Year-End Price | 26.91 | 10.36 | 10.70 | 17.37 | 36.70 | 94.44 | 71.86 | 25.74 | 4.54 | 8.89 | 8.65 | 4.12 | 1.34 |
eHealth, Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
The company's 5-year average gross margin is 63.4%. Total shareholder yield (dividends) is 14.2%. At current prices, the estimated annualized return to fair value is -24.9%.
eHealth, Inc. (EHTH) has a debt-to-equity ratio of 0.38. This indicates a conservatively financed balance sheet.
eHealth, Inc. (EHTH) reported earnings per share (EPS) of $1.29 in its most recent fiscal year.
eHealth, Inc. (EHTH) has a return on equity (ROE) of 6.8%. This indicates moderate shareholder returns.
eHealth, Inc. (EHTH) has a 5-year average gross margin of 63.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for eHealth, Inc. (EHTH), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
eHealth, Inc. (EHTH) has a book value per share of $19.09, based on its most recent annual SEC filing.