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EHTH logoeHealth, Inc.(EHTH)Earnings, Financials & Key Ratios

EHTH•NASDAQ•Insurance & Managed Care
$2.00
$62M mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryInsurance BrokersSub-IndustryDigital insurance marketplaces and brokers
AbouteHealth, 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.Show more
  • Revenue$554M+4.1%
  • Combined Ratio87.64%-8.3%
  • Net Income$40M+298.2%
  • Return on Equity5.13%+280.4%
  • Medical Cost Ratio2.48%+637.0%
  • Operating Margin12.36%+179.3%
  • Net Margin7.23%+282.6%
  • ROA3.31%+273.6%
  • Equity / Assets77.12%+51.4%
  • Book Value per Share31.94+59.2%
  • Tangible BV/Share31.21+55.6%
  • Debt/Equity0.14-16.2%
Technical→

EHTH Key Insights

eHealth, Inc. (EHTH) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 87.6% combined ratio
  • ✓Low loss ratio of 2.5%
  • ✓Trading at only 0.1x book value

✗Weaknesses

  • ✗Weak 3Y average ROE of 0.9%
  • ✗Weak Piotroski F-Score: 2/9
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

EHTH Price & Volume

eHealth, Inc. (EHTH) stock price & volume — 10-year historical chart

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EHTH Growth Metrics

eHealth, Inc. (EHTH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.32%
5 Years-1.01%
3 Years10.98%
TTM-4.28%

Profit CAGR

10 Years-
5 Years-2.5%
3 Years-
TTM-31.06%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM80.88%

Return on Capital

10 Years0.61%
5 Years-3.28%
3 Years1.88%
Last Year6.16%

EHTH Peer Comparison

eHealth, Inc. (EHTH) competitors in Digital insurance marketplaces and brokers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
GOCO logoGOCOGoHealth, Inc.Direct Competitor12.75M1.01-1.538.74%-26.96%-64.38%1.15
SLQT logoSLQTSelectQuote, Inc.Direct Competitor211.55M1.2090.2315.5%4.45%13.75%0.72
INVA logoINVAInnoviva, Inc.Direct Competitor1.91B22.526.8218.52%118.91%46.47%0.23
EHC logoEHCEncompass Health CorporationProduct Competitor10.44B105.0118.9510.46%10.04%18.86%0.83
BEAM logoBEAMBeam Therapeutics Inc.Product Competitor3.32B32.33-39.92120.01%-57.24%-7.31%0.24
ACGL logoACGLArch Capital Group Ltd.Product Competitor33.74B94.708.1514.27%22.07%19.02%0.11
CLOV logoCLOVClover Health Investments, Corp.Product Competitor1.37B2.68-15.7640.34%-2.58%-17.08%
OSCR logoOSCROscar Health, Inc.Product Competitor5.14B19.84-11.7427.5%-0.3%-3.26%0.44

Compare EHTH vs Peers

eHealth, Inc. (EHTH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs GOCO

Most directly comparable listed peer for EHTH.

Scale Benchmark

vs UNH

Larger-name benchmark to compare EHTH against a more recognizable public peer.

Peer Set

Compare Top 5

vs GOCO, SLQT, INVA, EHC

EHTH Income Statement

eHealth, Inc. (EHTH) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue190.71M251.4M506.2M582.77M538.2M405.36M452.87M532.41M554.01M528.91M
Revenue Growth %-1.35%31.82%101.36%15.13%-7.65%-24.68%11.72%17.56%4.06%-4.28%
Medical Costs & Claims582K1.23M2.74M4.08M1.99M1.65M1.77M1.79M13.76M3.21M
Medical Cost Ratio %0.31%0.49%0.54%0.7%0.37%0.41%0.39%0.34%2.48%0.61%
Gross Profit
190.12M▲ 0%
250.17M▲ 31.6%
503.46M▲ 101.3%
578.69M▲ 14.9%
536.21M▼ 7.3%
403.71M▼ 24.7%
451.1M▲ 11.7%
530.62M▲ 17.6%
540.25M▲ 1.8%
437.68M▲ 0%
Gross Margin %99.69%99.51%99.46%99.3%99.63%99.59%99.61%99.66%97.52%82.75%
Gross Profit Growth %-1.21%31.58%101.25%14.94%-7.34%-24.71%11.74%17.63%1.82%-
Operating Expenses199.58M247.62M422.05M525.37M661.85M506.42M480.17M507.05M471.75M428.23M
OpEx / Revenue %104.65%98.5%83.38%90.15%122.98%124.93%106.03%95.24%85.15%80.96%
Depreciation & Amortization5.34M6.77M8.99M12.94M18.87M21.11M19.92M16.34M13.76M9.82M
Combined Ratio %104.96%98.99%83.92%90.85%123.35%125.34%106.42%95.57%87.64%81.57%
Operating Income
-9.45M▲ 0%
2.55M▲ 127.0%
81.41M▲ 3091.3%
53.32M▼ 34.5%
-125.64M▼ 335.6%
-102.71M▲ 18.3%
-29.07M▲ 71.7%
23.57M▲ 181.1%
68.5M▲ 190.6%
58.81M▲ 0%
Operating Margin %-4.96%1.01%16.08%9.15%-23.35%-25.34%-6.42%4.43%12.36%11.12%
Operating Income Growth %-434.82%126.99%3091.26%-34.5%-335.63%18.25%71.69%181.07%190.61%-
EBITDA-4.11M9.32M90.4M66.27M-106.78M-81.61M-9.16M39.91M82.26M68.64M
EBITDA Margin %-2.16%3.71%17.86%11.37%-19.84%-20.13%-2.02%7.5%14.85%12.98%
Interest Expense0000845K7.63M10.97M11.16M10.76M4.08M
Non-Operating Income-621K-14.24M-24.08M0-1.6M-3.95M-9.45M-6.9M-988K-1.42M
Pretax Income
-8.27M▲ 0%
3.31M▲ 140.0%
83.5M▲ 2425.7%
53.99M▼ 35.3%
-124.89M▼ 331.3%
-106.39M▲ 14.8%
-30.59M▲ 71.2%
19.31M▲ 163.1%
58.73M▲ 204.1%
48.93M▲ 0%
Pretax Margin %-4.34%1.32%16.5%9.26%-23.21%-26.25%-6.76%3.63%10.6%9.25%
Income Tax-33.7M3.06M16.61M8.54M-20.52M-17.67M-2.38M9.26M18.68M15.55M
Effective Tax Rate %407.45%92.71%19.89%15.82%16.43%16.61%7.78%47.92%31.81%31.78%
Net Income
25.43M▲ 0%
241K▼ 99.1%
66.89M▲ 27653.9%
45.45M▼ 32.0%
-104.38M▼ 329.6%
-88.72M▲ 15.0%
-28.21M▲ 68.2%
10.06M▲ 135.6%
40.04M▲ 298.2%
19.99M▲ 0%
Net Margin %13.33%0.1%13.21%7.8%-19.39%-21.89%-6.23%1.89%7.23%3.78%
Net Income Growth %8263.82%-99.05%27653.94%-32.05%-329.65%15%68.2%135.65%298.17%-31.06%
EPS (Diluted)
1.33▲ 0%
0.01▼ 99.1%
2.73▲ 23035.6%
1.68▼ 38.5%
-4.59▼ 373.2%
-4.36▲ 5.0%
-2.37▲ 45.6%
-1.19▲ 49.8%
-0.34▲ 71.4%
-▲ 0%
EPS Growth %592.59%-99.11%23035.59%-38.46%-373.21%5.01%45.64%49.79%71.43%80.88%
EPS (Basic)1.370.012.901.75-4.59-4.36-2.37-1.19-0.34-
Diluted Shares Outstanding19.05M20.41M24.54M27.01M26.78M27.36M28.02M29.34M30.48M0

EHTH Balance Sheet

eHealth, Inc. (EHTH) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets359.12M439.28M741.63M1.04B1.15B1.11B1.11B1.16B1.26B1.2B
Asset Growth %229.77%22.32%68.83%40.23%10.51%-3.19%0.07%3.78%9.26%23.38%
Total Investment Assets170.3M211.44M049.62M41.31M05.93M43.04M3.5M4M
Long-Term Investments170.3M211.44M00000000
Short-Term Investments00049.62M41.31M05.93M43.04M3.5M35.7M
Total Current Assets155.74M156.17M208.15M330.99M407.59M401.08M382.35M354.48M334.35M336.61M
Cash & Equivalents40.29M13.09M23.47M43.76M81.93M144.4M115.72M39.2M73.72M75.11M
Receivables111.14M137.79M177.44M220.95M260.57M245.38M248.66M259.27M1.13B3.3B
Other Current Assets1.56M2.87M260K646K922K223K733K1.32M-873.29M-812.32M
Goodwill & Intangibles21.64M52.48M50.3M48.8M1.92M023.6M022.3M22.3M
Goodwill14.1M40.23M40.23M40.23M000000
Intangible Assets7.54M12.25M10.06M8.57M1.92M023.6M022.3M0
PP&E (Net)4.71M7.68M47.14M57.17M49.48M32.02M27.63M16.52M12.96M12.24M
Other Assets6.51M11.28M435.79M603.06M690.3M679.51M679.76M784.43M892.86M852.26M
Total Liabilities72.45M136.13M214.47M202.46M399.77M461.66M209.26M567M288.82M231.46M
Total Debt3.39M5M39.06M46.56M41.37M106.8M103.16M96.92M134.35M133.2M
Net Debt-36.9M-8.09M15.6M2.8M-40.56M-37.6M-12.56M57.72M60.63M58.08M
Long-Term Debt05M00066.13M67.75M68.46M112.95M126.27M
Short-Term Debt0000000006.92M
Total Current Liabilities25.45M60.62M112.98M84.41M75.47M60.56M78.54M96.01M99.07M44.35M
Accounts Payable3.25M5.69M24.55M36.92M13.75M6.73M7.2M23.45M28.32M5.59M
Deferred Revenue385K876K2.57M308K000000
Other Current Liabilities023.16M69.06M24.2M19.79M23.58M43.93M48.22M63.4M37.42M
Deferred Taxes1000K1000K1000K1000K1000K1000K01000K1000K168.46M
Other Liabilities1.92M22.61M3.05M4.37M237.69M268.42M34.64M342.93M5.52M5.14M
Total Equity
246.37M▲ 0%
295.06M▲ 19.8%
527.16M▲ 78.7%
837.56M▲ 58.9%
749.52M▼ 10.5%
650.96M▼ 13.2%
904.08M▲ 38.9%
588.43M▼ 34.9%
973.65M▲ 65.5%
575.73M▲ 0%
Equity Growth %1457.34%19.76%78.66%58.88%-10.51%-13.15%38.89%-34.91%65.47%100.92%
Shareholders Equity286.66M303.15M527.16M837.56M749.52M650.96M904.08M588.43M973.65M575.73M
Minority Interest-40.29M-8.09M00000000
Retained Earnings204.72M204.97M271.85M316.15M193.21M73.8M7.28M15.25M30.12M12.01M
Common Stock30K31K35K38K39K40K41K43K44K45K
Accumulated OCI202K127K116K350K390K-73K-82K-234K-62K58K
Return on Equity (ROE)19.39%0.09%16.27%6.66%-13.15%-12.67%-3.63%1.35%5.13%2.39%
Return on Assets (ROA)10.87%0.06%11.33%5.1%-9.54%-7.84%-2.54%0.89%3.31%1.74%
Equity / Assets68.6%67.17%71.08%80.53%65.22%58.51%81.2%50.93%77.12%47.93%
Debt / Equity0.01x0.02x0.07x0.06x0.06x0.16x0.11x0.16x0.14x0.14x
Book Value per Share12.9314.4621.4831.0027.9923.7932.2720.0631.9431.94
Tangible BV per Share11.8011.8919.4329.2027.9223.7931.4320.0631.21-

EHTH Cash Flow Statement

eHealth, Inc. (EHTH) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations-15.54M-3.23M-71.49M-107.86M-162.62M-26.87M-6.69M-18.37M-25.34M-25.34M
Operating CF Growth %-480.63%79.22%-2113.37%-50.87%-50.77%83.48%75.09%-174.45%-38%-98.06%
Operating CF / Revenue %-8.15%-1.28%-14.12%-18.51%-30.22%-6.63%-1.48%-3.45%-4.57%-4.79%
Net Income25.43M241K66.89M45.45M-104.38M-88.72M-28.21M10.06M40.04M19.99M
Depreciation & Amortization5.34M6.77M8.99M12.94M18.87M21.11M19.92M16.34M1.88M7.6M
Stock-Based Compensation9.69M12.54M22.57M25.17M32.86M20.32M23.21M19.88M15.04M13.51M
Deferred Taxes-30.34M2.81M16.2M8.82M-21.52M-18.44M-2.67M9.18M18.35M15.3M
Other Non-Cash Items-101K12.97M23.32M1.09M47.81M14.19M701K7.91M14.2M91.74M
Working Capital Changes-25.56M-38.57M-209.46M-201.33M-136.26M24.68M-19.64M-81.73M-114.86M-181.09M
Cash from Investing-5.08M-25.76M-16.94M-73.28M-12.63M25.86M-15.89M-48.42M25.43M-14.4M
Capital Expenditures-5.08M-10.83M-16.87M-23.76M-20.86M-15.51M-2.09M00-1.8M
Acquisitions0-14.93M016M16.99M15.51M0000
Purchase of Investments000-180.5M-103.06M-8.4M-54.51M-96.98M-74.01M-82.2M
Sale/Maturity of Investments000130.98M111.28M49.77M49.4M61.42M114.75M81.99M
Other Investing-3.21M-6.29M-72K-16M-16.99M-15.51M-8.69M-12.86M-15.31M-12.39M
Cash from Financing-870K1.86M102.14M201.25M213.24M63.84M-6.22M-9.67M34.29M34.83M
Dividends Paid000000-3.53M-5.56M-5.9M-2.99M
Share Repurchases-1.8M-4.5M-14.28M-19.81M-9.33M-3.1M-3.33M-3.41M-2.44M-1.4M
Stock Issued00126.05M228.02M0000404K215K
Debt Issuance (Net)-105K1000K-1000K-157K-150K1000K-38K-4K1000K-1000K
Other Financing1.04M1.47M-4.52M-6.81M8.7M2.21M677K-696K-9.23M109.74M
Net Change in Cash
-21.49M▲ 0%
-27.2M▼ 26.6%
13.73M▲ 150.5%
20.29M▲ 47.8%
38.05M▲ 87.5%
62.48M▲ 64.2%
-28.83M▼ 146.1%
-76.53M▼ 165.5%
34.53M▲ 145.1%
-45.98M▲ 0%
Exchange Rate Effect1K-77K26K187K64K-355K-19K-64K153K293K
Cash at Beginning61.78M40.29M13.09M26.82M47.11M85.17M147.64M118.81M42.29M76.81M
Cash at End40.29M13.09M26.82M47.11M85.17M147.64M118.81M42.29M76.81M78.2M
Free Cash Flow
-20.62M▲ 0%
-14.06M▲ 31.8%
-88.36M▼ 528.6%
-131.62M▼ 48.9%
-183.48M▼ 39.4%
-42.38M▲ 76.9%
-17.47M▲ 58.8%
-31.22M▼ 78.7%
-27.59M▲ 11.6%
-76.17M▲ 0%
FCF Growth %-5875.63%31.82%-528.57%-48.95%-39.4%76.9%58.77%-78.71%11.62%-240.46%
FCF Margin %-10.81%-5.59%-17.46%-22.58%-34.09%-10.45%-3.86%-5.86%-4.98%-14.4%
FCF per Share-1.08-0.69-3.6-4.87-6.85-1.55-0.62-1.06-0.91-0.91

EHTH Key Ratios

eHealth, Inc. (EHTH) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio104.96%98.99%83.92%90.85%123.35%125.34%106.42%95.57%87.64%81.57%
Medical Cost Ratio0.31%0.49%0.54%0.7%0.37%0.41%0.39%0.34%2.48%0.61%
Return on Equity (ROE)19.39%0.09%16.27%6.66%-13.15%-12.67%-3.63%1.35%5.13%2.39%
Return on Assets (ROA)10.87%0.06%11.33%5.1%-9.54%-7.84%-2.54%0.89%3.31%1.74%
Equity / Assets68.6%67.17%71.08%80.53%65.22%58.51%81.2%50.93%77.12%47.93%
Book Value / Share12.9314.4621.483127.9923.7932.2720.0631.9431.94
Debt / Equity0.01x0.02x0.07x0.06x0.06x0.16x0.11x0.16x0.14x0.14x
Revenue Growth-1.35%31.82%101.36%15.13%-7.65%-24.68%11.72%17.56%4.06%-4.28%

EHTH SEC Filings & Documents

eHealth, Inc. (EHTH) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 6, 2026·SEC

Material company update

Mar 31, 2026·SEC

Material company update

Feb 25, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 7, 2025·SEC

EHTH Frequently Asked Questions

eHealth, Inc. (EHTH) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

eHealth, Inc. (EHTH) grew revenue by 4.1% over the past year. Growth has been modest.

Yes, eHealth, Inc. (EHTH) is profitable, generating $20.0M in net income for fiscal year 2025 (7.2% net margin).

Dividend & Returns

Yes, eHealth, Inc. (EHTH) pays a dividend with a yield of 9.68%. This makes it attractive for income-focused investors.

eHealth, Inc. (EHTH) has a return on equity (ROE) of 5.1%. This is below average, suggesting room for improvement.

Industry Metrics

eHealth, Inc. (EHTH) has a combined ratio of 87.6%. A ratio below 100% indicates underwriting profitability.

Explore More EHTH

eHealth, Inc. (EHTH) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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