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EHTH vs SLQT
Revenue, margins, valuation, and 5-year total return — side by side.
Insurance - Brokers
EHTH vs SLQT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Insurance - Brokers | Insurance - Brokers |
| Market Cap | $62M | $212M |
| Revenue (TTM) | $529M | $1.64B |
| Net Income (TTM) | $20M | $73M |
| Gross Margin | 82.8% | 69.8% |
| Operating Margin | 11.1% | 3.5% |
| Forward P/E | — | 90.2x |
| Total Debt | $134M | $416M |
| Cash & Equiv. | $74M | $32M |
EHTH vs SLQT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| eHealth, Inc. (EHTH) | 100 | 1.4 | -98.6% |
| SelectQuote, Inc. (SLQT) | 100 | 4.1 | -95.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: EHTH vs SLQT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
EHTH is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 3 yrs, beta 1.99, yield 9.7%
- -83.8% 10Y total return vs SLQT's -95.6%
- Lower volatility, beta 1.99, Low D/E 13.8%, current ratio 3.37x
SLQT carries the broadest edge in this set and is the clearest fit for growth exposure and defensive.
- Rev growth 15.5%, EPS growth 106.7%, 3Y rev CAGR 26.0%
- Beta 1.96, current ratio 1.60x
- 15.5% revenue growth vs EHTH's 4.1%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 15.5% revenue growth vs EHTH's 4.1% | |
| Value | Better valuation composite | |
| Quality / Margins | Combined ratio 0.9 vs SLQT's 1.0 (lower = better underwriting) | |
| Stability / Safety | Beta 1.96 vs EHTH's 1.99 | |
| Dividends | 9.7% yield; 3-year raise streak; the other pay no meaningful dividend | |
| Momentum (1Y) | -51.6% vs EHTH's -57.3% | |
| Efficiency (ROA) | 5.7% ROA vs EHTH's 1.7%, ROIC 5.3% vs 6.1% |
EHTH vs SLQT — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
EHTH vs SLQT — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
Evenly matched — EHTH and SLQT each lead in 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
SLQT is the larger business by revenue, generating $1.6B annually — 3.1x EHTH's $529M. Profitability is closely matched — net margins range from 4.5% (SLQT) to 3.8% (EHTH). On growth, SLQT holds the edge at +5.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $529M | $1.6B |
| EBITDAEarnings before interest/tax | $69M | $63M |
| Net IncomeAfter-tax profit | $20M | $73M |
| Free Cash FlowCash after capex | -$76M | -$62M |
| Gross MarginGross profit ÷ Revenue | +82.8% | +69.8% |
| Operating MarginEBIT ÷ Revenue | +11.1% | +3.5% |
| Net MarginNet income ÷ Revenue | +3.8% | +4.5% |
| FCF MarginFCF ÷ Revenue | -14.4% | -3.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | -22.2% | +5.6% |
| EPS Growth (YoY)Latest quarter vs prior year | +100.0% | -114.5% |
Valuation Metrics
EHTH leads this category, winning 4 of 4 comparable metrics.
Valuation Metrics
On an enterprise value basis, EHTH's 1.5x EV/EBITDA is more attractive than SLQT's 6.7x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $62M | $212M |
| Enterprise ValueMkt cap + debt − cash | $123M | $595M |
| Trailing P/EPrice ÷ TTM EPS | -5.88x | 90.23x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 1.49x | 6.69x |
| Price / SalesMarket cap ÷ Revenue | 0.11x | 0.14x |
| Price / BookPrice ÷ Book value/share | 0.06x | 0.38x |
| Price / FCFMarket cap ÷ FCF | — | — |
Profitability & Efficiency
EHTH leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
SLQT delivers a 13.8% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $2 for EHTH. EHTH carries lower financial leverage with a 0.14x debt-to-equity ratio, signaling a more conservative balance sheet compared to SLQT's 0.72x. On the Piotroski fundamental quality scale (0–9), SLQT scores 4/9 vs EHTH's 2/9, reflecting mixed financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +2.4% | +13.8% |
| ROA (TTM)Return on assets | +1.7% | +5.7% |
| ROICReturn on invested capital | +6.1% | +5.3% |
| ROCEReturn on capital employed | +6.2% | +6.7% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 4 |
| Debt / EquityFinancial leverage | 0.14x | 0.72x |
| Net DebtTotal debt minus cash | $61M | $384M |
| Cash & Equiv.Liquid assets | $74M | $32M |
| Total DebtShort + long-term debt | $134M | $416M |
| Interest CoverageEBIT ÷ Interest expense | 15.48x | 4.11x |
Total Returns (Dividends Reinvested)
SLQT leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SLQT five years ago would be worth $414 today (with dividends reinvested), compared to $304 for EHTH. Over the past 12 months, SLQT leads with a -51.6% total return vs EHTH's -57.3%. The 3-year compound annual growth rate (CAGR) favors SLQT at -5.5% vs EHTH's -33.1% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | -53.1% | -12.4% |
| 1-Year ReturnPast 12 months | -57.3% | -51.6% |
| 3-Year ReturnCumulative with dividends | -70.1% | -15.5% |
| 5-Year ReturnCumulative with dividends | -97.0% | -95.9% |
| 10-Year ReturnCumulative with dividends | -83.8% | -95.6% |
| CAGR (3Y)Annualised 3-year return | -33.1% | -5.5% |
Risk & Volatility
SLQT leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
SLQT is the less volatile stock with a 1.96 beta — it tends to amplify market swings less than EHTH's 1.99 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SLQT currently trades 42.9% from its 52-week high vs EHTH's 28.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.99x | 1.96x |
| 52-Week HighHighest price in past year | $7.09 | $2.80 |
| 52-Week LowLowest price in past year | $1.20 | $0.56 |
| % of 52W HighCurrent price vs 52-week peak | +28.2% | +42.9% |
| RSI (14)Momentum oscillator 0–100 | 59.9 | 75.3 |
| Avg Volume (50D)Average daily shares traded | 774K | 1.2M |
Analyst Outlook
EHTH leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
EHTH is the only dividend payer here at 9.68% yield — a key consideration for income-focused portfolios.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $4.00 |
| # AnalystsCovering analysts | — | 11 |
| Dividend YieldAnnual dividend ÷ price | +9.7% | — |
| Dividend StreakConsecutive years of raises | 3 | 1 |
| Dividend / ShareAnnual DPS | $0.19 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +3.9% | 0.0% |
EHTH leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). SLQT leads in 2 (Total Returns, Risk & Volatility). 1 tied.
EHTH vs SLQT: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is EHTH or SLQT a better buy right now?
For growth investors, SelectQuote, Inc.
(SLQT) is the stronger pick with 15. 5% revenue growth year-over-year, versus 4. 1% for eHealth, Inc. (EHTH). SelectQuote, Inc. (SLQT) offers the better valuation at 90. 2x trailing P/E, making it the more compelling value choice. Analysts rate SelectQuote, Inc. (SLQT) a "Hold" — based on 11 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — EHTH or SLQT?
Over the past 5 years, SelectQuote, Inc.
(SLQT) delivered a total return of -95. 9%, compared to -97. 0% for eHealth, Inc. (EHTH). Over 10 years, the gap is even starker: EHTH returned -85. 2% versus SLQT's -95. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — EHTH or SLQT?
By beta (market sensitivity over 5 years), SelectQuote, Inc.
(SLQT) is the lower-risk stock at 1. 96β versus eHealth, Inc. 's 1. 99β — meaning EHTH is approximately 1% more volatile than SLQT relative to the S&P 500. On balance sheet safety, eHealth, Inc. (EHTH) carries a lower debt/equity ratio of 14% versus 72% for SelectQuote, Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — EHTH or SLQT?
By revenue growth (latest reported year), SelectQuote, Inc.
(SLQT) is pulling ahead at 15. 5% versus 4. 1% for eHealth, Inc. (EHTH). On earnings-per-share growth, the picture is similar: SelectQuote, Inc. grew EPS 106. 7% year-over-year, compared to 71. 4% for eHealth, Inc.. Over a 3-year CAGR, SLQT leads at 26. 0% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — EHTH or SLQT?
eHealth, Inc.
(EHTH) is the more profitable company, earning 7. 2% net margin versus 3. 1% for SelectQuote, Inc. — meaning it keeps 7. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: EHTH leads at 12. 4% versus 4. 5% for SLQT. At the gross margin level — before operating expenses — EHTH leads at 97. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — EHTH or SLQT?
In this comparison, EHTH (9.
7% yield) pays a dividend. SLQT does not pay a meaningful dividend and should not be held primarily for income.
07Is EHTH or SLQT better for a retirement portfolio?
For long-horizon retirement investors, eHealth, Inc.
(EHTH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (9. 7% yield). SelectQuote, Inc. (SLQT) carries a higher beta of 1. 96 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (EHTH: -85. 2%, SLQT: -95. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between EHTH and SLQT?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: EHTH is a small-cap income-oriented stock; SLQT is a small-cap high-growth stock. EHTH pays a dividend while SLQT does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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