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Company Analysis

eHealth, Inc. EHTH

A comprehensive view of key metrics, scores, and financial health for eHealth, Inc.

Overview of eHealth, Inc.

EHTH NMS
Financial Services Insurance Brokers Framework: Insurance & Reinsurance Micro Cap
eHealth, Inc. (EHTH), is a Micro Cap company, in the Insurance Brokers industry, last closed at $0.98, about 1705.9% undervalued vs fair value, -75.5% 1Y return, ranked 782/1078 in sector.
Metrics P/E 8.5× Rev Growth 4.1% ROE 6.8% Gross Margin 97.5% Div Yield 4.17%
USD 0.98
-1.38%
(Delayed)
• Vol 90d: 84.4%
52-Week Range
Market Cap
$52.69M
Enterprise Value
$83.82M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Good
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Good
Valuation
Fair
Completeness: 100%
Confidence: 62%
Updated: Sep 12
Top Beats

Quick Facts

Website https://www.ehealthinsurance.c...
HQ Austin, TX
Employees 1,773
Fiscal year Dec 31

Next Events

Earnings Nov 4 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $0.98 +1706% vs base

Engine Room Money Flow™

Micro Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$554.0M
4.1%%
Claims & Losses
$-13.8M
666.9%%
Acquisition & Admin Expenses
$-270.8M
Underwriting Result
$68.5M
107.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
2.5%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$8.3M
20.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
4
Active Leaks
1/4
Improving
1
High Impact
2
Critical
Locked Leak
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Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating eHealth, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Premium Pricing Margins Premium margin signal is strong (score 0.80), with operating margin at 12.4% vs peers — indicating pricing authority.
  • Consistent Premium Growth Premium growth trend is positive (signal score 0.95), reflecting successful new business generation and pricing momentum.

Key risks

  • Volatile Underwriting Results Underwriting stability is low (score 0.25), indicating significant exposure to loss cycle or catastrophe volatility.
  • Erratic Investment Income Investment consistency is low (score 0.28), indicating elevated portfolio risk.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
49
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing EHTH's balance between Growth (29.0%), Profitability (21.7%), and Safety (49.3%). Growth 29% Safety 49% Profitability 22%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

43th percentile vs peers
44
Key Signals
EPS Growth YoY 2.30 90p Revenue CAGR 3Y 11.0% 53p Rev Growth YoY 4.1% 31p Asset Growth YoY 9.3% 60p Equity Growth YoY 0.5% 14p
Strengths
  • EPS Growth YoY in top 20% of peers (2.30, 90th percentile)
  • Equity/Assets in top 20% of peers (46.9%, 82th percentile)
  • Financial Leverage in top 20% of peers (2.05, 86th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Equity Growth YoY in bottom 20% of peers (0.5%)

Profitability

32th percentile vs peers
33
Key Signals
Strengths
Risks
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Safety

74th percentile vs peers
74
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for eHealth, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$17.62
- - -
+1705.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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