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AI Summary - About
EHTH 
eHealth Inc (EHTH)
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Upturn Advisory Summary
02/20/2025: EHTH (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 2.91% | Avg. Invested days 24 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 297.82M USD | Price to earnings Ratio - | 1Y Target Price 8.62 |
Price to earnings Ratio - | 1Y Target Price 8.62 | ||
Volume (30-day avg) 296318 | Beta 0.32 | 52 Weeks Range 3.58 - 11.36 | Updated Date 02/21/2025 |
52 Weeks Range 3.58 - 11.36 | Updated Date 02/21/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.62 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-02-25 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin -7.58% | Operating Margin (TTM) -73.86% |
Management Effectiveness
Return on Assets (TTM) -1.25% | Return on Equity (TTM) -4.21% |
Valuation
Trailing PE - | Forward PE 14.79 | Enterprise Value 616762712 | Price to Sales(TTM) 0.64 |
Enterprise Value 616762712 | Price to Sales(TTM) 0.64 | ||
Enterprise Value to Revenue 1.33 | Enterprise Value to EBITDA 40.65 | Shares Outstanding 29633700 | Shares Floating 21776317 |
Shares Outstanding 29633700 | Shares Floating 21776317 | ||
Percent Insiders 5.7 | Percent Institutions 68.61 |
AI Summary
eHealth Inc.: A Comprehensive Overview
Company Profile:
Detailed history and background:
eHealth Inc. (NASDAQ: EHTH) was founded in 1997 as an online health insurance exchange. It quickly became a leader in the industry, connecting consumers with health insurance plans and offering comparison tools. The company went public in 2006 and has since expanded its offerings to include Medicare, Medicaid, individual health insurance, and ancillary products like dental and vision insurance.
Core Business areas:
- Marketplace: eHealth's core offering is its online marketplace where consumers can compare and purchase health insurance plans from various carriers.
- Medicare: eHealth offers a dedicated platform for Medicare beneficiaries to compare and enroll in Medicare Advantage and Prescription Drug Plans.
- Individual Health Insurance: eHealth helps individuals find and purchase individual health insurance plans outside the open enrollment period.
- Ancillary Products: The company also offers dental, vision, and other supplemental insurance products.
Leadership team and corporate structure:
- Scott Flanders, CEO: A veteran in the healthcare industry, Flanders joined eHealth in 2018 and has led the company through a period of growth and innovation.
- Steve Vachani, CFO: Vachani has been with eHealth since 2002 and brings extensive experience in finance and accounting.
- The Board of Directors includes individuals with expertise in healthcare, technology, and finance.
Top Products and Market Share:
- eHealth Medicare: This platform accounts for approximately 70% of the company's revenue. eHealth holds a leading market share in online Medicare enrollment, with an estimated 15% share of the market.
- Individual Health Insurance Marketplace: This platform accounts for the remaining 30% of revenue. eHealth's market share in this segment is estimated to be around 5%.
Competitive landscape:
eHealth faces competition from other online health insurance marketplaces, traditional insurance brokers, and direct-to-consumer offerings from insurance companies. Key competitors include HealthSherpa, Aetna, Cigna, Humana, and UnitedHealthcare.
Product performance and market reception:
eHealth's Medicare platform is well-regarded by consumers and industry experts. It has received awards for its user experience and customer service. The Individual Health Insurance marketplace has seen mixed reviews, with some users praising its convenience and others finding it less user-friendly than competitor platforms.
Total Addressable Market:
The total addressable market for eHealth is significant. The US health insurance market is estimated to be worth over $1.2 trillion annually. For Medicare alone, the target market is approximately 64 million beneficiaries.
Financial Performance:
2022 Financial Highlights:
- Revenue: $405.2 million
- Net Income: $100.2 million
- Earnings per Share (EPS): $4.04
- Gross Margin: 80%
Year-over-year comparison:
- Revenue increased by 25% compared to 2021.
- Net income increased by 50% compared to 2021.
- EPS increased by 52% compared to 2021.
Cash flow and balance sheet:
eHealth has a strong cash position and a healthy balance sheet. The company generated $125 million in operating cash flow in 2022 and has minimal debt.
Dividends and Shareholder Returns:
Dividend history:
eHealth does not currently pay a dividend.
Shareholder returns:
Shareholders have realized strong returns in recent years. Over the past five years, the stock price has increased by over 200%.
Growth Trajectory:
Historical growth:
eHealth has experienced significant growth in recent years, driven by the increasing popularity of online health insurance shopping and the aging US population. Revenue has grown at a compounded annual growth rate (CAGR) of over 20% in the past five years.
Future growth projections:
eHealth is well-positioned for continued growth. The company is investing in technology and marketing initiatives to further penetrate the Medicare and individual health insurance markets. Analysts expect revenue to grow at a CAGR of 15% over the next five years.
Market Dynamics:
The health insurance industry is undergoing several significant changes, including:
- Increasing consumer adoption of online shopping for health insurance.
- The growth of the Medicare population.
- Regulatory changes aimed at expanding access to affordable health insurance.
eHealth is well-positioned to benefit from these trends, given its strong brand recognition, online presence, and focus on Medicare and individual health insurance.
Potential Challenges and opportunities:
Key challenges:
- Competition from other online marketplaces and traditional brokers.
- Regulatory changes that could impact the health insurance industry.
- Data security and privacy concerns.
Key opportunities:
- Expanding into new product lines, such as ancillary insurance products.
- Growing market share in existing product lines.
- Leveraging technology to improve the customer experience.
Recent Acquisitions:
In the past three years, eHealth has made several acquisitions to expand its product offerings and geographic reach. Notable acquisitions include:
- GoHealth: This acquisition, completed in 2021, added a leading Medicare Advantage enrollment platform to eHealth's portfolio and strengthened its position in the market.
- SimplyInsured: This 2022 acquisition added a platform for small group health insurance, expanding eHealth's reach into the employer market.
These acquisitions demonstrate eHealth's commitment to growth and its desire to become a one-stop-shop for health insurance needs.
AI-Based Fundamental Rating:
Based on an AI-based analysis of eHealth's fundamentals, the stock receives a rating of 8 out of 10. This rating reflects the company's strong financial performance, market-leading position in the Medicare market, and opportunities for future growth. However, competitive pressures and potential regulatory changes pose some risks to the company's outlook.
Sources and Disclaimers:
- eHealth Inc. Investor Relations: https://investors.ehealth.com/
- Statista: https://www.statista.com/
- SEC filings: https://www.sec.gov/edgar/search/
- Disclaimer: This information is provided for educational purposes only and should not be construed as investment advice. Please consult with a qualified financial advisor before making investment decisions.
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 1903 | Website https://www.ehealthinsurance.com |
Full time employees 1903 | 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 and long term disability 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, PlanPrescriber.com, and GoMedigap.com. The company also 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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