eHealth, Inc. (EHTH) Financial Ratios
22 years of historical data (2004–2025) · Financial Services · Insurance - Brokers
EV/EBITDA
↓
1.36
↓-75% vs avg
5yr avg: 5.40
30Y Low2.4·High97.0
P/FCF
N/A
—
5yr avg: N/A
30Y Low12.4·High67.7
P/B Ratio
↓
0.05
↓-87% vs avg
5yr avg: 0.40
30Y Low0.1·High12.3
ROE
↑
5.1%
↓+212% vs avg
5yr avg: -4.6%
30Y Low-16%·High188%
Debt/EBITDA
↓
1.63
↓-20% vs avg
5yr avg: 2.03
30Y Low0.0·High2.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
EHTH Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
eHealth, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $51M | $140M | $276M | $244M | $132M | $683M | $1.9B | $2.4B | $784M | $331M | $195M |
| Enterprise Value | $112M | $201M | $333M | $232M | $95M | $642M | $1.9B | $2.4B | $776M | $294M | $135M |
| P/E Ratio → | -4.85 | — | — | — | — | — | 42.03 | 35.19 | 3255.93 | 13.06 | — |
| P/S Ratio | 0.09 | 0.25 | 0.52 | 0.54 | 0.33 | 1.27 | 3.27 | 4.66 | 3.12 | 1.73 | 1.01 |
| P/B Ratio | 0.05 | 0.14 | 0.47 | 0.27 | 0.20 | 0.91 | 2.28 | 4.47 | 2.66 | 1.34 | 12.30 |
| P/FCF | — | — | — | — | — | — | — | — | — | — | 545.09 |
| P/OCF | — | — | — | — | — | — | — | — | — | — | 47.66 |
P/E links to full P/E history page with 30-year chart
EHTH EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
eHealth, Inc.'s enterprise value stands at 1.4x EBITDA, 75% below its 5-year average of 5.4x. The Financial Services sector median is 11.4x, placing the stock at a 88% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.36 | 0.63 | 0.51 | 0.23 | 1.19 | 3.28 | 4.69 | 3.09 | 1.54 | 0.70 |
| EV / EBITDA | 1.36 | 2.44 | 8.36 | — | — | — | 28.83 | 26.25 | 83.25 | — | 16.17 |
| EV / EBIT | 1.63 | 2.89 | 10.94 | — | — | — | 35.82 | 22.50 | 46.21 | — | 53.37 |
| EV / FCF | — | — | — | — | — | — | — | — | — | — | 377.66 |
EHTH Profitability
Margins and return-on-capital ratios measuring operating efficiency
eHealth, Inc. earns an operating margin of 12.4%, below the Financial Services sector average of 20.3%. Operating margins have expanded from -6.4% to 12.4% over the past 3 years, signaling improving operational efficiency. ROE of 5.1% is modest, trailing the sector median of 9.0%. ROIC of 6.1% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 97.5% | 97.5% | 99.7% | 99.6% | 99.6% | 99.6% | 99.3% | 99.5% | 99.5% | 99.7% | 99.6% |
| Operating Margin | 12.4% | 12.4% | 4.4% | -6.4% | -25.3% | -23.3% | 9.1% | 16.1% | 1.0% | -5.0% | 1.5% |
| Net Profit Margin | 7.2% | 7.2% | 1.9% | -6.2% | -21.9% | -19.4% | 7.8% | 13.2% | 0.1% | 13.3% | 0.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.1% | 5.1% | 1.3% | -3.6% | -12.7% | -13.2% | 6.7% | 16.3% | 0.1% | 19.4% | 0.7% |
| ROA | 3.3% | 3.3% | 0.9% | -2.5% | -7.8% | -9.5% | 5.1% | 11.3% | 0.1% | 10.9% | 0.3% |
| ROIC | 6.1% | 6.1% | 2.3% | -2.9% | -11.7% | -12.2% | 5.8% | 14.7% | 0.8% | -8.6% | — |
| ROCE | 6.2% | 6.2% | 2.3% | -2.8% | -9.7% | -12.4% | 6.7% | 16.2% | 0.7% | -4.6% | 3.5% |
EHTH Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
eHealth, Inc. carries a Debt/EBITDA ratio of 1.6x, which is manageable (62% below the sector average of 4.3x). Net debt stands at $61M ($134M total debt minus $74M cash). Interest coverage of 6.5x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.14 | 0.14 | 0.16 | 0.11 | 0.16 | 0.06 | 0.06 | 0.07 | 0.02 | 0.01 | 0.13 |
| Debt / EBITDA | 1.63 | 1.63 | 2.43 | — | — | — | 0.70 | 0.43 | 0.54 | — | 0.24 |
| Net Debt / Equity | — | 0.06 | 0.10 | -0.01 | -0.06 | -0.05 | 0.00 | 0.03 | -0.03 | -0.15 | -3.78 |
| Net Debt / EBITDA | 0.74 | 0.74 | 1.45 | — | — | — | 0.04 | 0.17 | -0.87 | — | -7.17 |
| Debt / FCF | — | — | — | — | — | — | — | — | — | — | -167.43 |
| Interest Coverage | 6.46 | 6.46 | 2.73 | -1.79 | -12.95 | -146.80 | — | — | — | — | — |
EHTH Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
eHealth, Inc.'s current ratio of 3.37x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has declined from 4.87x to 3.37x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 3.37 | 3.37 | 3.69 | 4.87 | 6.62 | 5.40 | 3.92 | 1.84 | 2.58 | 6.12 | 2.73 |
| Quick Ratio | 3.37 | 3.37 | 3.69 | 4.87 | 6.62 | 5.40 | 3.92 | 1.84 | 2.52 | 6.01 | 2.62 |
| Cash Ratio | 0.78 | 0.78 | 0.86 | 1.55 | 2.38 | 1.63 | 1.11 | 0.21 | 0.22 | 1.58 | 2.21 |
| Asset Turnover | — | 0.44 | 0.46 | 0.41 | 0.36 | 0.47 | 0.56 | 0.68 | 0.57 | 0.53 | 1.78 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
EHTH Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
eHealth, Inc. returns 16.5% to shareholders annually — split between a 11.7% dividend yield and 4.8% buyback yield.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 11.7% | 4.2% | 2.0% | 1.4% | — | — | — | — | — | — | — |
| Payout Ratio | — | — | 55.3% | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | 2.4% | 2.8% | 0.0% | 7.7% | — |
| FCF Yield | — | — | — | — | — | — | — | — | — | — | 0.2% |
| Buyback Yield | 4.8% | 1.7% | 1.2% | 1.4% | 2.3% | 1.4% | 1.0% | 0.6% | 0.6% | 0.5% | 0.6% |
| Total Shareholder Yield | 16.5% | 5.9% | 3.3% | 2.8% | 2.3% | 1.4% | 1.0% | 0.6% | 0.6% | 0.5% | 0.6% |
| Shares Outstanding | — | $30M | $29M | $28M | $27M | $27M | $27M | $25M | $20M | $19M | $18M |
Peer Comparison
Compare EHTH with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 EHTHYou | $51M | -4.9 | 1.4 | — | 97.5% | 12.4% | 5.1% | 6.1% | 1.6 |
 GOCO | $9M | -0.0 | — | — | 73.4% | -42.3% | -113.5% | -14.5% | — |
 SLQT | $174M | 74.3 | 6.3 | — | 38.7% | 4.5% | 10.7% | 5.3% | 4.7 |
 INVA | $2B | 6.8 | 6.8 | 8.5 | 72.3% | 38.5% | 29.1% | 14.2% | 1.3 |
 EHC | $10B | 17.7 | 8.9 | 22.2 | 95.7% | 17.7% | 18.5% | 13.9% | 2.0 |
 BEAM | $4B | -42.1 | — | — | 84.0% | -274.6% | -8.1% | -31.1% | — |
 ACGL | $32B | 7.8 | 6.6 | 5.3 | 37.2% | 25.0% | 19.5% | 15.4% | 0.5 |
 CLOV | $3B | -29.4 | — | — | 18.5% | -4.4% | -26.3% | -34.0% | — |
 OSCR | $7B | -16.8 | — | 7.0 | 14.4% | -3.4% | -44.4% | — | — |
 UNH | $364B | 30.3 | 17.9 | 22.6 | 18.5% | 4.2% | 11.8% | 9.2% | 3.4 |
 HUM | $43B | 36.7 | 22.9 | 115.5 | 14.5% | 1.1% | 7.0% | 4.1% | 5.7 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 22 years · Updated daily
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EHTH — Frequently Asked Questions
Quick answers to the most common questions about buying EHTH stock.
What is eHealth, Inc.'s P/E ratio?
eHealth, Inc.'s current P/E ratio is -4.9x. The historical average is 34.1x.
What is eHealth, Inc.'s EV/EBITDA?
eHealth, Inc.'s current EV/EBITDA is 1.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 28.6x.
What is eHealth, Inc.'s ROE?
eHealth, Inc.'s return on equity (ROE) is 5.1%. The historical average is 12.7%.
Is EHTH stock overvalued?
Based on historical data, eHealth, Inc. is trading at a P/E of -4.9x. Compare with industry peers and growth rates for a complete picture.
What is eHealth, Inc.'s dividend yield?
eHealth, Inc.'s current dividend yield is 11.73%.
What are eHealth, Inc.'s profit margins?
eHealth, Inc. has 97.5% gross margin and 12.4% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does eHealth, Inc. have?
eHealth, Inc.'s Debt/EBITDA ratio is 1.6x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.