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Upturn AI SWOT - About
EHTH 
eHealth Inc (EHTH)
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Upturn Advisory Summary
03/11/2025: EHTH (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -12.91% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 198.82M USD | Price to earnings Ratio - | 1Y Target Price 10.62 |
Price to earnings Ratio - | 1Y Target Price 10.62 | ||
Volume (30-day avg) 303967 | Beta 0.43 | 52 Weeks Range 3.58 - 11.36 | Updated Date 04/2/2025 |
52 Weeks Range 3.58 - 11.36 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 1.89% | Operating Margin (TTM) 35.76% |
Management Effectiveness
Return on Assets (TTM) 1.82% | Return on Equity (TTM) 1.1% |
Valuation
Trailing PE - | Forward PE 7.69 | Enterprise Value 212601612 | Price to Sales(TTM) 0.37 |
Enterprise Value 212601612 | Price to Sales(TTM) 0.37 | ||
Enterprise Value to Revenue 0.4 | Enterprise Value to EBITDA 4.54 | Shares Outstanding 29942600 | Shares Floating 22084168 |
Shares Outstanding 29942600 | Shares Floating 22084168 | ||
Percent Insiders 5.21 | Percent Institutions 68.25 |
Analyst Ratings
Rating 3.4 | Target Price 8.62 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
eHealth Inc
Company Overview
History and Background
eHealth, Inc. (EHTH) was founded in 1997 and launched its website, ehealthinsurance.com, in 1999. It's an online marketplace for health insurance, allowing individuals, families, and small businesses to compare and purchase health insurance plans from various carriers. The company has evolved from a simple comparison tool to offering a broader range of services and technologies.
Core Business Areas
- Individual and Family Plans: Offers a wide selection of individual and family health insurance plans, including Medicare plans.
- Small Business Plans: Provides health insurance solutions for small businesses, including group health plans.
- Medicare Plans: Connects individuals eligible for Medicare with Medicare Advantage, Medicare Supplement (Medigap), and prescription drug plans (Part D).
Leadership and Structure
eHealth Inc's leadership includes the CEO and other C-level executives overseeing different departments such as technology, marketing, and finance. The organizational structure is typically hierarchical with teams focused on different aspects of the business, such as sales, customer service, and product development.
Top Products and Market Share
Key Offerings
- Medicare Plans: eHealth focuses on offering Medicare plans to individuals who are aging into or already eligible for Medicare. They are a major distribution channel for these plans, working with many insurance carriers. Competitors include insurance carriers directly and other brokers, some of whom operate online and offline. Market share is difficult to pinpoint precisely due to the fragmented broker landscape, but eHealth is a significant player, deriving a substantial portion of their revenue from this segment.
- Individual and Family Health Insurance: eHealth offers individual and family health insurance plans, particularly those compliant with the Affordable Care Act (ACA). The ACA marketplace, as well as direct sales from insurance companies, provide the main competition. Specific market share data is challenging to obtain, but eHealth is a well-known brand in this space.
Market Dynamics
Industry Overview
The health insurance industry is characterized by increasing complexity, evolving regulations (especially concerning the ACA and Medicare), and growing consumer demand for online comparison tools. Rising healthcare costs and an aging population are significant drivers.
Positioning
eHealth Inc. positions itself as an independent online marketplace simplifying health insurance shopping. Its competitive advantage lies in its broad selection of plans, user-friendly website, and data-driven approach to matching consumers with suitable coverage. It also tries to build relationships with providers.
Total Addressable Market (TAM)
The TAM for health insurance is enormous (trillions of USD globally). eHealth targets a subset of this market, focusing on individual, family, and small business plans sold online, and especially Medicare plans. They are well-positioned to capture a portion of this TAM, but face competition from established insurers, brokers, and government-run exchanges.
Upturn SWOT Analysis
Strengths
- Established online presence and brand recognition
- Wide selection of health insurance plans
- User-friendly website and comparison tools
- Strong partnerships with insurance carriers
- Extensive data and analytics capabilities
Weaknesses
- Dependence on regulatory environment (ACA, Medicare)
- High customer acquisition costs
- Seasonality of sales (open enrollment periods)
- Customer service challenges
- Reliance on commissions, impacted by carrier decisions
Opportunities
- Expanding Medicare Advantage market
- Growing demand for online health insurance shopping
- Potential for partnerships with healthcare providers and telehealth companies
- Developing new products and services, such as ancillary insurance products
- International expansion
Threats
- Changes in health insurance regulations (ACA repeal, Medicare reform)
- Increased competition from established insurers and other online brokers
- Data security and privacy concerns
- Economic downturn affecting consumer spending on health insurance
- Negative publicity or lawsuits related to sales practices
Competitors and Market Share
Key Competitors
- SFH
- PRIC
- GOOG
Competitive Landscape
eHealth faces intense competition. Competitors have varying advantages in terms of brand recognition, access to capital, and relationships with insurance carriers. eHealth's key challenge is to differentiate itself and maintain profitability in this crowded market.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: eHealth's historical growth has been erratic. Periods of rapid growth have been followed by periods of decline or stagnation.
Future Projections: Analyst projections are mixed, with some expecting a turnaround while others remain cautious due to regulatory uncertainty and competitive pressures. Revenue growth of 5 to 10% annually is forecast by some analysts.
Recent Initiatives: Recent initiatives include focusing on its Medicare business, improving customer experience, and investing in technology to enhance its platform.
Summary
eHealth faces significant headwinds in a very competitive and highly regulated environment. While it has an established brand, it must innovate to differentiate itself from competitors. Its financial performance has been weak and needs to improve for long-term viability. They must maintain focus on Medicare and watch for opportunities to leverage the evolving health insurance market.
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Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Industry publications
- eHealth Inc. Investor Relations
Disclaimers:
This analysis is based on publicly available information and represents an opinion. It should not be considered financial advice. Market share data is approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About eHealth Inc
Exchange NASDAQ | Headquaters Austin, TX, United States | ||
IPO Launch date 2006-10-13 | CEO & Director Mr. Francis Samuel Soistman Jr. | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees 1773 | Website https://www.ehealthinsurance.com |
Full time employees 1773 | Website https://www.ehealthinsurance.com | ||
eHealth, 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 Employer and Individual. The Medicare segment offers sale of Medicare-related health insurance plans, which includes Medicare advantage, Medicare Supplement, and Medicare Part D prescription drug plans to Medicare-eligible customers including but not limited to, dental, and vision insurance, as well as advertising program for marketing and other services. The Employer and Individual segment engages in the sale of individual, family, and small business health insurance plans; and ancillary products to non-Medicare-eligible customers including but not limited to, dental, vision, and short-term insurance. In addition, the company provides ecommerce platforms and consumer engagement solutions, which includes market leading information, decision support, customer engagement, and transactional services to group of health insurance consumers; and organize and present the insurance information in objective format to individuals, families, and small businesses to research, analyze, compare and purchase health insurance plans. Further, it markets health insurance plans through its websites, including eHealth.com, eHealthInsurance.com, eHealthMedicare.com, Medicare.com, and GoMedigap.com. The company offers online sponsorship and advertising, non-broker of record, lead referral, technology licensing, as well as performs various post-enrollment services for members in Medicare health insurance plans. eHealth, Inc. was incorporated in 1997 and is headquartered in Austin, Texas.
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