eHealth, Inc. (EHTH) 10-Year Financial Performance & Capital Metrics

EHTH • • Insurance & Managed Care

Financial ServicesInsurance BrokersDigital Health Insurance MarketplacesMulti-Product Health Marketplaces

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 $532M +17.6%
Combined Ratio 95.57% -10.2%
Net Income $10M +135.6%
Return on Equity 1.35% +137.1%
Medical Cost Ratio 0.34% -13.8%
Operating Margin 4.43% +169.0%
Net Margin 1.89% +130.3%
ROA 0.89% +135.0%
Equity / Assets 50.93% -37.3%
Book Value per Share 20.06 -37.8%
Tangible BV/Share 20.06 -36.2%
Debt/Equity 0.16 +44.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Low loss ratio of 0.3%
✓Healthy dividend yield of 4.9%
✓Trading at only 0.2x book value

✗Weaknesses

✗Profits declining 31.5% over 5 years
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y11.47%

5Y1.01%

3Y-0.36%

TTM16.79%

Profit (Net Income) CAGR

10Y-

5Y-31.54%

3Y-

TTM242.88%

EPS CAGR

10Y-

5Y-

3Y-

TTM101.4%

ROCE

10Y Avg-0.71%

5Y Avg-3.17%

3Y Avg-3.4%

Latest2.25%

Peer Comparison

Multi-Product Health Marketplaces

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
EHTHeHealth, Inc.	118.14M	3.84	-3.23	17.56%	9.27%	5.69%		0.16

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	189.54M	193.32M	190.71M	251.4M	506.2M	582.77M	538.2M	405.36M	452.87M	532.41M
Revenue Growth %	0.05%	0.02%	-0.01%	0.32%	1.01%	0.15%	-0.08%	-0.25%	0.12%	0.18%
Medical Costs & Claims+	4.18M	862K	582K	1.23M	2.74M	4.08M	1.99M	1.65M	1.77M	1.79M
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	185.36M	192.46M	190.12M	250.17M	503.46M	578.69M	536.21M	403.71M	451.1M	530.62M
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	0.06%	0.04%	-0.01%	0.32%	1.01%	0.15%	-0.07%	-0.25%	0.12%	0.18%
Operating Expenses+	191.01M	189.64M	199.58M	247.62M	422.05M	525.37M	661.85M	506.42M	480.17M	507.05M
OpEx / Revenue %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	5.93M	5.51M	5.34M	6.77M	8.99M	12.94M	18.87M	21.11M	19.92M	16.34M
Combined Ratio %	-	-	-	-	-	-	-	-	-	-
Operating Income+	-5.65M	2.82M	-9.45M	2.55M	81.41M	53.32M	-125.64M	-102.71M	-29.07M	23.57M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.16%	1.5%	-4.35%	1.27%	30.91%	-0.34%	-3.36%	0.18%	0.72%	1.81%
EBITDA+	277K	8.34M	-4.11M	9.32M	90.4M	66.27M	-106.78M	-81.61M	-9.16M	39.91M
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense	0	0	0	0	0	0	845K	7.63M	10.97M	11.16M
Non-Operating Income	-4.54M	297K	-621K	-14.24M	-24.08M	0	-1.6M	-3.95M	-9.45M	-6.9M
Pretax Income+	-5.61M	3.97M	-8.27M	3.31M	83.5M	53.99M	-124.89M	-106.39M	-30.59M	19.31M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	-843K	3.67M	-33.7M	3.06M	16.61M	8.54M	-20.52M	-17.67M	-2.38M	9.26M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-4.76M	304K	25.43M	241K	66.89M	45.45M	-104.38M	-88.72M	-28.21M	10.06M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.71%	1.06%	82.64%	-0.99%	276.54%	-0.32%	-3.3%	0.15%	0.68%	1.36%
EPS (Diluted)+	-0.26	-0.27	1.33	0.01	2.73	1.68	-3.90	-4.36	-2.37	-1.19
EPS Growth %	0.7%	-0.04%	5.93%	-0.99%	230.36%	-0.38%	-3.32%	-0.12%	0.46%	0.5%
EPS (Basic)	-0.26	-0.27	1.37	0.01	2.90	1.75	-3.90	-4.36	-2.37	-1.19
Diluted Shares Outstanding	18.01M	18.27M	19.05M	20.41M	24.54M	27.01M	26.78M	27.36M	28.02M	29.34M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	113.32M	108.9M	359.12M	439.28M	741.63M	1.04B	1.15B	1.11B	1.11B	1.16B
Asset Growth %	0.06%	-0.04%	2.3%	0.22%	0.69%	0.4%	0.11%	-0.03%	0%	0.04%
Total Investment Assets+	-204K	-204K	170.3M	211.44M	0	49.62M	41.31M	0	5.93M	43.04M
Long-Term Investments	-204K	-204K	170.3M	211.44M	0	0	0	0	0	0
Short-Term Investments	0	0	0	0	0	49.62M	41.31M	0	5.93M	43.04M
Total Current Assets+	77.54M	76.14M	155.74M	156.17M	208.15M	330.99M	407.59M	401.08M	382.35M	354.48M
Cash & Equivalents	62.71M	61.78M	40.29M	13.09M	23.47M	43.76M	81.93M	144.4M	115.72M	39.2M
Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Assets	2.79M	2.21M	1.56M	2.87M	260K	646K	922K	223K	733K	1.32M
Goodwill & Intangibles+	23.72M	22.68M	21.64M	52.48M	50.3M	48.8M	1.92M	0	23.6M	0
Goodwill	14.1M	14.1M	14.1M	40.23M	40.23M	40.23M	0	0	0	0
Intangible Assets	9.62M	8.58M	7.54M	12.25M	10.06M	8.57M	1.92M	0	23.6M	0
PP&E (Net)	7.36M	5.61M	4.71M	7.68M	47.14M	57.17M	49.48M	32.02M	27.63M	16.52M
Other Assets	4.7M	4.47M	6.51M	11.28M	435.79M	603.06M	690.3M	679.51M	679.76M	784.43M
Total Liabilities	36.9M	31.3M	72.45M	136.13M	214.47M	202.46M	399.77M	461.66M	209.26M	567M
Total Debt+	0	2.01M	3.39M	5M	39.06M	46.56M	41.37M	106.8M	103.16M	96.92M
Net Debt	-62.71M	-59.77M	-36.9M	-8.09M	15.6M	2.8M	-40.56M	-37.6M	-12.56M	57.72M
Long-Term Debt	0	0	0	5M	0	0	0	66.13M	67.75M	68.46M
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Total Current Liabilities+	31.94M	27.92M	25.45M	60.62M	112.98M	84.41M	75.47M	60.56M	78.54M	96.01M
Accounts Payable	3.01M	5.11M	3.25M	5.69M	24.55M	36.92M	13.75M	6.73M	7.2M	23.45M
Deferred Revenue	392K	959K	385K	876K	2.57M	308K	0	0	0	0
Other Current Liabilities	0	0	0	23.16M	69.06M	24.2M	19.79M	23.58M	43.93M	48.22M
Deferred Taxes	329K	443K	1000K	1000K	1000K	1000K	1000K	1000K	0	1000K
Other Liabilities	4.63M	2.93M	1.92M	22.61M	3.05M	4.37M	237.69M	268.42M	34.64M	342.93M
Total Equity+	76.42M	15.82M	246.37M	295.06M	527.16M	837.56M	749.52M	650.96M	904.08M	588.43M
Equity Growth %	0.04%	-0.79%	14.57%	0.2%	0.79%	0.59%	-0.11%	-0.13%	0.39%	-0.35%
Shareholders Equity	76.42M	77.6M	286.66M	303.15M	527.16M	837.56M	749.52M	650.96M	904.08M	588.43M
Minority Interest	0	-61.78M	-40.29M	-8.09M	0	0	0	0	0	0
Retained Earnings	9.5M	4.62M	204.72M	204.97M	271.85M	316.15M	193.21M	73.8M	7.28M	15.25M
Common Stock	29K	29K	30K	31K	35K	38K	39K	40K	41K	43K
Accumulated OCI	193K	176K	202K	127K	116K	350K	390K	-73K	-82K	-234K
Return on Equity (ROE)	-0.06%	0.01%	0.19%	0%	0.16%	0.07%	-0.13%	-0.13%	-0.04%	0.01%
Return on Assets (ROA)	-0.04%	0%	0.11%	0%	0.11%	0.05%	-0.1%	-0.08%	-0.03%	0.01%
Equity / Assets	-	-	-	-	-	-	-	-	-	-
Debt / Equity	-	0.13x	0.01x	0.02x	0.07x	0.06x	0.06x	0.16x	0.11x	0.16x
Book Value per Share	4.24	0.87	12.93	14.46	21.48	31.00	27.99	23.79	32.27	20.06
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	13.7M	4.08M	-15.54M	-3.23M	-71.49M	-107.86M	-162.62M	-26.87M	-6.69M	-18.37M
Operating CF Growth %	6.7%	-0.7%	-4.81%	0.79%	-21.13%	-0.51%	-0.51%	0.83%	0.75%	-1.74%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	-4.76M	-4.88M	25.43M	241K	66.89M	45.45M	-104.38M	-88.72M	-28.21M	10.06M
Depreciation & Amortization	5.93M	5.51M	5.34M	6.77M	8.99M	12.94M	18.87M	21.11M	19.92M	16.34M
Stock-Based Compensation	7M	7.27M	9.69M	12.54M	22.57M	25.17M	32.86M	20.32M	23.21M	19.88M
Deferred Taxes	101K	114K	-30.34M	2.81M	16.2M	8.82M	-21.52M	-18.44M	-2.67M	9.18M
Other Non-Cash Items	2.11M	1.42M	-101K	12.97M	23.32M	1.09M	47.81M	14.19M	701K	7.91M
Working Capital Changes	3.32M	-5.35M	-25.56M	-38.57M	-209.46M	-201.33M	-136.26M	24.68M	-19.64M	-81.73M
Cash from Investing+	-3M	-3.73M	-5.08M	-25.76M	-16.94M	-73.28M	-12.63M	25.86M	-15.89M	-48.42M
Capital Expenditures	-3M	-3.73M	-5.08M	-10.83M	-16.87M	-23.76M	-20.86M	-15.51M	-2.09M	0
Acquisitions	0	0	0	-14.93M	0	16M	16.99M	15.51M	0	0
Purchase of Investments	0	0	0	0	0	-180.5M	-103.06M	-8.4M	-54.51M	-96.98M
Sale/Maturity of Investments	0	0	0	0	0	1000K	1000K	1000K	1000K	1000K
Other Investing	-1.12M	-1.84M	-3.21M	-6.29M	-72K	-16M	-16.99M	-15.51M	-8.69M	-12.86M
Cash from Financing+	577K	-1.27M	-870K	1.86M	102.14M	201.25M	213.24M	63.84M	-6.22M	-9.67M
Dividends Paid	0	0	0	0	0	0	0	0	-3.53M	-5.56M
Share Repurchases	-922K	-1.25M	-1.8M	-4.5M	-14.28M	-19.81M	-9.33M	-3.1M	-3.33M	-3.41M
Stock Issued	0	0	0	0	126.05M	228.02M	0	0	0	0
Debt Issuance (Net)	-73K	-83K	-105K	1000K	-1000K	-157K	-150K	1000K	-38K	-4K
Other Financing	1.57M	62K	1.04M	1.47M	-4.52M	-6.81M	8.7M	2.21M	677K	-696K
Net Change in Cash+	11.29M	-929K	-21.49M	-27.2M	13.73M	20.29M	38.05M	62.48M	-28.83M	-76.53M
Exchange Rate Effect	18K	-17K	1K	-77K	26K	187K	64K	-355K	-19K	-64K
Cash at Beginning	51.41M	62.71M	61.78M	40.29M	13.09M	26.82M	47.11M	85.17M	147.64M	118.81M
Cash at End	62.71M	61.78M	40.29M	13.09M	26.82M	47.11M	85.17M	147.64M	118.81M	42.29M
Free Cash Flow+	10.7M	357K	-20.62M	-14.06M	-88.36M	-131.62M	-183.48M	-42.38M	-17.47M	-31.22M
FCF Growth %	2.69%	-0.97%	-58.76%	0.32%	-5.29%	-0.49%	-0.39%	0.77%	0.59%	-0.79%
FCF Margin %	-	-	-	-	-	-	-	-	-	-
FCF per Share	0.59	0.02	-1.08	-0.69	-3.6	-4.87	-6.85	-1.55	-0.62	-1.06

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Combined Ratio	102.98%	98.54%	104.96%	98.99%	83.92%	90.85%	123.35%	125.34%	106.42%	95.57%
Medical Cost Ratio	2.2%	0.45%	0.31%	0.49%	0.54%	0.7%	0.37%	0.41%	0.39%	0.34%
Return on Equity (ROE)	-6.35%	0.66%	19.39%	0.09%	16.27%	6.66%	-13.15%	-12.67%	-3.63%	1.35%
Return on Assets (ROA)	-4.33%	0.27%	10.87%	0.06%	11.33%	5.1%	-9.54%	-7.84%	-2.54%	0.89%
Equity / Assets	67.44%	14.53%	68.6%	67.17%	71.08%	80.53%	65.22%	58.51%	81.2%	50.93%
Book Value / Share	4.24	0.87	12.93	14.46	21.48	31	27.99	23.79	32.27	20.06
Debt / Equity	-	0.13x	0.01x	0.02x	0.07x	0.06x	0.06x	0.16x	0.11x	0.16x
Revenue Growth	5.49%	2%	-1.35%	31.82%	101.36%	15.13%	-7.65%	-24.68%	11.72%	17.56%

Revenue by Segment

	2016	2017	2018	2019	2020	2021	2022	2023	2024
Commission	-	-	-	466.68M	-	-	-	403.92M	461.65M
Commission Growth	-	-	-	-	-	-	-	-	14.29%
Medicare	-	-	-	-	436.42M	425.5M	318.15M	360.85M	427.35M
Medicare Growth	-	-	-	-	-	-2.50%	-25.23%	13.42%	18.43%
Product and Service, Other	-	-	-	39.52M	74.58M	45.08M	44.11M	48.95M	70.76M
Product and Service, Other Growth	-	-	-	-	88.70%	-39.56%	-2.15%	10.97%	44.57%
Small Business	-	-	-	-	9.57M	10.72M	11.84M	17.67M	11.54M
Small Business Growth	-	-	-	-	-	12.04%	10.47%	49.21%	-34.66%
Ancillaries	-	-	-	-	27.14M	21.35M	11.47M	10.75M	10.79M
Ancillaries Growth	-	-	-	-	-	-21.31%	-46.31%	-6.21%	0.31%
Individual and Family	-	-	-	-	26.67M	32.87M	17.86M	16.66M	8.4M
Individual and Family Growth	-	-	-	-	-	23.27%	-45.66%	-6.75%	-49.57%
Commission Bonus	-	-	-	-	8.4M	2.67M	1.92M	-2.01M	3.56M
Commission Bonus Growth	-	-	-	-	-	-68.21%	-28.05%	-204.79%	277.05%
Medicare	80.27M	102.58M	210.57M	-	-	-	-	-	-
Medicare Growth	-	27.80%	105.27%	-	-	-	-	-	-
Individual, Family, And Small Businesss	106.69M	69.77M	40.83M	-	-	-	-	-	-
Individual, Family, And Small Businesss Growth	-	-34.60%	-41.49%	-	-	-	-	-	-

Frequently Asked Questions

Growth & Financials

eHealth, Inc. (EHTH) grew revenue by 17.6% over the past year. This is strong growth.

Yes, eHealth, Inc. (EHTH) is profitable, generating $50.3M in net income for fiscal year 2024 (1.9% net margin).

Dividend & Returns

Yes, eHealth, Inc. (EHTH) pays a dividend with a yield of 4.94%. This makes it attractive for income-focused investors.

eHealth, Inc. (EHTH) has a return on equity (ROE) of 1.3%. This is below average, suggesting room for improvement.

Industry Metrics

eHealth, Inc. (EHTH) has a combined ratio of 95.6%. A ratio below 100% indicates underwriting profitability.

US Stock Screener

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eHealth, Inc. (EHTH) 10-Year Financial Performance & Capital Metrics

EHTH • • Insurance & Managed Care

Financial ServicesInsurance BrokersDigital Health Insurance MarketplacesMulti-Product Health Marketplaces

Revenue $532M +17.6%
Combined Ratio 95.57% -10.2%
Net Income $10M +135.6%
Return on Equity 1.35% +137.1%
Medical Cost Ratio 0.34% -13.8%
Operating Margin 4.43% +169.0%
Net Margin 1.89% +130.3%
ROA 0.89% +135.0%
Equity / Assets 50.93% -37.3%
Book Value per Share 20.06 -37.8%
Tangible BV/Share 20.06 -36.2%
Debt/Equity 0.16 +44.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Low loss ratio of 0.3%
✓Healthy dividend yield of 4.9%
✓Trading at only 0.2x book value

✗Weaknesses

✗Profits declining 31.5% over 5 years
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y11.47%

5Y1.01%

3Y-0.36%

TTM16.79%

Profit (Net Income) CAGR

10Y-

5Y-31.54%

3Y-

TTM242.88%

EPS CAGR

10Y-

5Y-

3Y-

TTM101.4%

ROCE

10Y Avg-0.71%

5Y Avg-3.17%

3Y Avg-3.4%

Latest2.25%

Peer Comparison

Multi-Product Health Marketplaces

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
EHTHeHealth, Inc.	118.14M	3.84	-3.23	17.56%	9.27%	5.69%		0.16

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	189.54M	193.32M	190.71M	251.4M	506.2M	582.77M	538.2M	405.36M	452.87M	532.41M
Revenue Growth %	0.05%	0.02%	-0.01%	0.32%	1.01%	0.15%	-0.08%	-0.25%	0.12%	0.18%
Medical Costs & Claims+	4.18M	862K	582K	1.23M	2.74M	4.08M	1.99M	1.65M	1.77M	1.79M
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	185.36M	192.46M	190.12M	250.17M	503.46M	578.69M	536.21M	403.71M	451.1M	530.62M
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	0.06%	0.04%	-0.01%	0.32%	1.01%	0.15%	-0.07%	-0.25%	0.12%	0.18%
Operating Expenses+	191.01M	189.64M	199.58M	247.62M	422.05M	525.37M	661.85M	506.42M	480.17M	507.05M
OpEx / Revenue %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	5.93M	5.51M	5.34M	6.77M	8.99M	12.94M	18.87M	21.11M	19.92M	16.34M
Combined Ratio %	-	-	-	-	-	-	-	-	-	-
Operating Income+	-5.65M	2.82M	-9.45M	2.55M	81.41M	53.32M	-125.64M	-102.71M	-29.07M	23.57M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.16%	1.5%	-4.35%	1.27%	30.91%	-0.34%	-3.36%	0.18%	0.72%	1.81%
EBITDA+	277K	8.34M	-4.11M	9.32M	90.4M	66.27M	-106.78M	-81.61M	-9.16M	39.91M
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense	0	0	0	0	0	0	845K	7.63M	10.97M	11.16M
Non-Operating Income	-4.54M	297K	-621K	-14.24M	-24.08M	0	-1.6M	-3.95M	-9.45M	-6.9M
Pretax Income+	-5.61M	3.97M	-8.27M	3.31M	83.5M	53.99M	-124.89M	-106.39M	-30.59M	19.31M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	-843K	3.67M	-33.7M	3.06M	16.61M	8.54M	-20.52M	-17.67M	-2.38M	9.26M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-4.76M	304K	25.43M	241K	66.89M	45.45M	-104.38M	-88.72M	-28.21M	10.06M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.71%	1.06%	82.64%	-0.99%	276.54%	-0.32%	-3.3%	0.15%	0.68%	1.36%
EPS (Diluted)+	-0.26	-0.27	1.33	0.01	2.73	1.68	-3.90	-4.36	-2.37	-1.19
EPS Growth %	0.7%	-0.04%	5.93%	-0.99%	230.36%	-0.38%	-3.32%	-0.12%	0.46%	0.5%
EPS (Basic)	-0.26	-0.27	1.37	0.01	2.90	1.75	-3.90	-4.36	-2.37	-1.19
Diluted Shares Outstanding	18.01M	18.27M	19.05M	20.41M	24.54M	27.01M	26.78M	27.36M	28.02M	29.34M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	113.32M	108.9M	359.12M	439.28M	741.63M	1.04B	1.15B	1.11B	1.11B	1.16B
Asset Growth %	0.06%	-0.04%	2.3%	0.22%	0.69%	0.4%	0.11%	-0.03%	0%	0.04%
Total Investment Assets+	-204K	-204K	170.3M	211.44M	0	49.62M	41.31M	0	5.93M	43.04M
Long-Term Investments	-204K	-204K	170.3M	211.44M	0	0	0	0	0	0
Short-Term Investments	0	0	0	0	0	49.62M	41.31M	0	5.93M	43.04M
Total Current Assets+	77.54M	76.14M	155.74M	156.17M	208.15M	330.99M	407.59M	401.08M	382.35M	354.48M
Cash & Equivalents	62.71M	61.78M	40.29M	13.09M	23.47M	43.76M	81.93M	144.4M	115.72M	39.2M
Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Assets	2.79M	2.21M	1.56M	2.87M	260K	646K	922K	223K	733K	1.32M
Goodwill & Intangibles+	23.72M	22.68M	21.64M	52.48M	50.3M	48.8M	1.92M	0	23.6M	0
Goodwill	14.1M	14.1M	14.1M	40.23M	40.23M	40.23M	0	0	0	0
Intangible Assets	9.62M	8.58M	7.54M	12.25M	10.06M	8.57M	1.92M	0	23.6M	0
PP&E (Net)	7.36M	5.61M	4.71M	7.68M	47.14M	57.17M	49.48M	32.02M	27.63M	16.52M
Other Assets	4.7M	4.47M	6.51M	11.28M	435.79M	603.06M	690.3M	679.51M	679.76M	784.43M
Total Liabilities	36.9M	31.3M	72.45M	136.13M	214.47M	202.46M	399.77M	461.66M	209.26M	567M
Total Debt+	0	2.01M	3.39M	5M	39.06M	46.56M	41.37M	106.8M	103.16M	96.92M
Net Debt	-62.71M	-59.77M	-36.9M	-8.09M	15.6M	2.8M	-40.56M	-37.6M	-12.56M	57.72M
Long-Term Debt	0	0	0	5M	0	0	0	66.13M	67.75M	68.46M
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Total Current Liabilities+	31.94M	27.92M	25.45M	60.62M	112.98M	84.41M	75.47M	60.56M	78.54M	96.01M
Accounts Payable	3.01M	5.11M	3.25M	5.69M	24.55M	36.92M	13.75M	6.73M	7.2M	23.45M
Deferred Revenue	392K	959K	385K	876K	2.57M	308K	0	0	0	0
Other Current Liabilities	0	0	0	23.16M	69.06M	24.2M	19.79M	23.58M	43.93M	48.22M
Deferred Taxes	329K	443K	1000K	1000K	1000K	1000K	1000K	1000K	0	1000K
Other Liabilities	4.63M	2.93M	1.92M	22.61M	3.05M	4.37M	237.69M	268.42M	34.64M	342.93M
Total Equity+	76.42M	15.82M	246.37M	295.06M	527.16M	837.56M	749.52M	650.96M	904.08M	588.43M
Equity Growth %	0.04%	-0.79%	14.57%	0.2%	0.79%	0.59%	-0.11%	-0.13%	0.39%	-0.35%
Shareholders Equity	76.42M	77.6M	286.66M	303.15M	527.16M	837.56M	749.52M	650.96M	904.08M	588.43M
Minority Interest	0	-61.78M	-40.29M	-8.09M	0	0	0	0	0	0
Retained Earnings	9.5M	4.62M	204.72M	204.97M	271.85M	316.15M	193.21M	73.8M	7.28M	15.25M
Common Stock	29K	29K	30K	31K	35K	38K	39K	40K	41K	43K
Accumulated OCI	193K	176K	202K	127K	116K	350K	390K	-73K	-82K	-234K
Return on Equity (ROE)	-0.06%	0.01%	0.19%	0%	0.16%	0.07%	-0.13%	-0.13%	-0.04%	0.01%
Return on Assets (ROA)	-0.04%	0%	0.11%	0%	0.11%	0.05%	-0.1%	-0.08%	-0.03%	0.01%
Equity / Assets	-	-	-	-	-	-	-	-	-	-
Debt / Equity	-	0.13x	0.01x	0.02x	0.07x	0.06x	0.06x	0.16x	0.11x	0.16x
Book Value per Share	4.24	0.87	12.93	14.46	21.48	31.00	27.99	23.79	32.27	20.06
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	13.7M	4.08M	-15.54M	-3.23M	-71.49M	-107.86M	-162.62M	-26.87M	-6.69M	-18.37M
Operating CF Growth %	6.7%	-0.7%	-4.81%	0.79%	-21.13%	-0.51%	-0.51%	0.83%	0.75%	-1.74%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	-4.76M	-4.88M	25.43M	241K	66.89M	45.45M	-104.38M	-88.72M	-28.21M	10.06M
Depreciation & Amortization	5.93M	5.51M	5.34M	6.77M	8.99M	12.94M	18.87M	21.11M	19.92M	16.34M
Stock-Based Compensation	7M	7.27M	9.69M	12.54M	22.57M	25.17M	32.86M	20.32M	23.21M	19.88M
Deferred Taxes	101K	114K	-30.34M	2.81M	16.2M	8.82M	-21.52M	-18.44M	-2.67M	9.18M
Other Non-Cash Items	2.11M	1.42M	-101K	12.97M	23.32M	1.09M	47.81M	14.19M	701K	7.91M
Working Capital Changes	3.32M	-5.35M	-25.56M	-38.57M	-209.46M	-201.33M	-136.26M	24.68M	-19.64M	-81.73M
Cash from Investing+	-3M	-3.73M	-5.08M	-25.76M	-16.94M	-73.28M	-12.63M	25.86M	-15.89M	-48.42M
Capital Expenditures	-3M	-3.73M	-5.08M	-10.83M	-16.87M	-23.76M	-20.86M	-15.51M	-2.09M	0
Acquisitions	0	0	0	-14.93M	0	16M	16.99M	15.51M	0	0
Purchase of Investments	0	0	0	0	0	-180.5M	-103.06M	-8.4M	-54.51M	-96.98M
Sale/Maturity of Investments	0	0	0	0	0	1000K	1000K	1000K	1000K	1000K
Other Investing	-1.12M	-1.84M	-3.21M	-6.29M	-72K	-16M	-16.99M	-15.51M	-8.69M	-12.86M
Cash from Financing+	577K	-1.27M	-870K	1.86M	102.14M	201.25M	213.24M	63.84M	-6.22M	-9.67M
Dividends Paid	0	0	0	0	0	0	0	0	-3.53M	-5.56M
Share Repurchases	-922K	-1.25M	-1.8M	-4.5M	-14.28M	-19.81M	-9.33M	-3.1M	-3.33M	-3.41M
Stock Issued	0	0	0	0	126.05M	228.02M	0	0	0	0
Debt Issuance (Net)	-73K	-83K	-105K	1000K	-1000K	-157K	-150K	1000K	-38K	-4K
Other Financing	1.57M	62K	1.04M	1.47M	-4.52M	-6.81M	8.7M	2.21M	677K	-696K
Net Change in Cash+	11.29M	-929K	-21.49M	-27.2M	13.73M	20.29M	38.05M	62.48M	-28.83M	-76.53M
Exchange Rate Effect	18K	-17K	1K	-77K	26K	187K	64K	-355K	-19K	-64K
Cash at Beginning	51.41M	62.71M	61.78M	40.29M	13.09M	26.82M	47.11M	85.17M	147.64M	118.81M
Cash at End	62.71M	61.78M	40.29M	13.09M	26.82M	47.11M	85.17M	147.64M	118.81M	42.29M
Free Cash Flow+	10.7M	357K	-20.62M	-14.06M	-88.36M	-131.62M	-183.48M	-42.38M	-17.47M	-31.22M
FCF Growth %	2.69%	-0.97%	-58.76%	0.32%	-5.29%	-0.49%	-0.39%	0.77%	0.59%	-0.79%
FCF Margin %	-	-	-	-	-	-	-	-	-	-
FCF per Share	0.59	0.02	-1.08	-0.69	-3.6	-4.87	-6.85	-1.55	-0.62	-1.06

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Combined Ratio	102.98%	98.54%	104.96%	98.99%	83.92%	90.85%	123.35%	125.34%	106.42%	95.57%
Medical Cost Ratio	2.2%	0.45%	0.31%	0.49%	0.54%	0.7%	0.37%	0.41%	0.39%	0.34%
Return on Equity (ROE)	-6.35%	0.66%	19.39%	0.09%	16.27%	6.66%	-13.15%	-12.67%	-3.63%	1.35%
Return on Assets (ROA)	-4.33%	0.27%	10.87%	0.06%	11.33%	5.1%	-9.54%	-7.84%	-2.54%	0.89%
Equity / Assets	67.44%	14.53%	68.6%	67.17%	71.08%	80.53%	65.22%	58.51%	81.2%	50.93%
Book Value / Share	4.24	0.87	12.93	14.46	21.48	31	27.99	23.79	32.27	20.06
Debt / Equity	-	0.13x	0.01x	0.02x	0.07x	0.06x	0.06x	0.16x	0.11x	0.16x
Revenue Growth	5.49%	2%	-1.35%	31.82%	101.36%	15.13%	-7.65%	-24.68%	11.72%	17.56%

Revenue by Segment

	2016	2017	2018	2019	2020	2021	2022	2023	2024
Commission	-	-	-	466.68M	-	-	-	403.92M	461.65M
Commission Growth	-	-	-	-	-	-	-	-	14.29%
Medicare	-	-	-	-	436.42M	425.5M	318.15M	360.85M	427.35M
Medicare Growth	-	-	-	-	-	-2.50%	-25.23%	13.42%	18.43%
Product and Service, Other	-	-	-	39.52M	74.58M	45.08M	44.11M	48.95M	70.76M
Product and Service, Other Growth	-	-	-	-	88.70%	-39.56%	-2.15%	10.97%	44.57%
Small Business	-	-	-	-	9.57M	10.72M	11.84M	17.67M	11.54M
Small Business Growth	-	-	-	-	-	12.04%	10.47%	49.21%	-34.66%
Ancillaries	-	-	-	-	27.14M	21.35M	11.47M	10.75M	10.79M
Ancillaries Growth	-	-	-	-	-	-21.31%	-46.31%	-6.21%	0.31%
Individual and Family	-	-	-	-	26.67M	32.87M	17.86M	16.66M	8.4M
Individual and Family Growth	-	-	-	-	-	23.27%	-45.66%	-6.75%	-49.57%
Commission Bonus	-	-	-	-	8.4M	2.67M	1.92M	-2.01M	3.56M
Commission Bonus Growth	-	-	-	-	-	-68.21%	-28.05%	-204.79%	277.05%
Medicare	80.27M	102.58M	210.57M	-	-	-	-	-	-
Medicare Growth	-	27.80%	105.27%	-	-	-	-	-	-
Individual, Family, And Small Businesss	106.69M	69.77M	40.83M	-	-	-	-	-	-
Individual, Family, And Small Businesss Growth	-	-34.60%	-41.49%	-	-	-	-	-	-

Frequently Asked Questions

Growth & Financials

eHealth, Inc. (EHTH) grew revenue by 17.6% over the past year. This is strong growth.

Yes, eHealth, Inc. (EHTH) is profitable, generating $50.3M in net income for fiscal year 2024 (1.9% net margin).

Dividend & Returns

Yes, eHealth, Inc. (EHTH) pays a dividend with a yield of 4.94%. This makes it attractive for income-focused investors.

eHealth, Inc. (EHTH) has a return on equity (ROE) of 1.3%. This is below average, suggesting room for improvement.

Industry Metrics

eHealth, Inc. (EHTH) has a combined ratio of 95.6%. A ratio below 100% indicates underwriting profitability.