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EHTH 
eHealth Inc (EHTH)
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Upturn Advisory Summary
12/11/2025: 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.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $8.5
1 Year Target Price $8.5
| 1 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -29.95% | Avg. Invested days 22 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 125.21M USD | Price to earnings Ratio 23.94 | 1Y Target Price 8.5 |
Price to earnings Ratio 23.94 | 1Y Target Price 8.5 | ||
Volume (30-day avg) 5 | Beta 1.27 | 52 Weeks Range 3.18 - 11.36 | Updated Date 12/11/2025 |
52 Weeks Range 3.18 - 11.36 | Updated Date 12/11/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.27% | Operating Margin (TTM) -76.24% |
Management Effectiveness
Return on Assets (TTM) 3.35% | Return on Equity (TTM) 5.89% |
Valuation
Trailing PE 23.94 | Forward PE 3.76 | Enterprise Value 506178422 | Price to Sales(TTM) 0.23 |
Enterprise Value 506178422 | Price to Sales(TTM) 0.23 | ||
Enterprise Value to Revenue 0.93 | Enterprise Value to EBITDA 7.07 | Shares Outstanding 30764785 | Shares Floating 23239719 |
Shares Outstanding 30764785 | Shares Floating 23239719 | ||
Percent Insiders 6.82 | Percent Institutions 74.13 |
Upturn AI SWOT
eHealth Inc
Company Overview
History and Background
eHealth Inc. was founded in 1996 as one of the pioneers in the online health insurance marketplace. Initially focused on providing consumers with a platform to compare and purchase health insurance plans, the company has evolved to offer a broader range of health-related products and services. Key milestones include its IPO in 2006 and subsequent expansion into Medicare, prescription drug plans, and other health insurance categories. It has navigated the changing landscape of healthcare regulations and consumer preferences.
Core Business Areas
- Health Insurance Marketplace: Operates an online platform where consumers can compare, shop for, and enroll in a wide variety of health insurance plans from numerous carriers. This includes individual and family plans, Medicare Advantage, Medicare Supplement, and Prescription Drug Plans.
- Ancillary Products: Offers a range of supplemental insurance products such as dental, vision, and life insurance, often bundled with health insurance offerings.
- Prescription Drug Plans: Provides access to information and enrollment for Medicare Part D prescription drug plans.
Leadership and Structure
eHealth Inc. is led by a management team with experience in healthcare, technology, and e-commerce. The organizational structure is designed to support its online platform operations, sales, marketing, and customer service functions.
Top Products and Market Share
Key Offerings
- Product Name 1: Individual and Family Health Insurance Plans. This is eHealth's core offering, allowing users to compare plans from various carriers based on coverage, cost, and network. Market share data for specific products is not readily available, but the company is a significant player in the online health insurance comparison space. Competitors include other online brokers, insurance carrier direct-to-consumer websites, and physical insurance agents.
- Product Name 2: Medicare Advantage and Medicare Supplement Plans. eHealth provides a platform for seniors to compare and enroll in Medicare plans. This segment is growing due to the aging US population. Competitors include other online brokers specializing in Medicare, insurance carrier websites, and independent Medicare brokers.
- Product Name 3: Prescription Drug Plans (Medicare Part D). Facilitates comparison and enrollment for Medicare prescription drug plans. Competitors are similar to those in the Medicare Advantage segment.
Market Dynamics
Industry Overview
The health insurance industry in the US is highly regulated and competitive. The individual market has been influenced by the Affordable Care Act (ACA), with its marketplaces and subsidies. The Medicare market is also substantial, driven by the large and growing senior population. The shift towards online comparison and enrollment is a significant trend, driven by consumer demand for convenience and transparency.
Positioning
eHealth Inc. positions itself as a leading independent online health insurance exchange, providing consumers with choice and comparison tools. Its competitive advantage lies in its broad selection of plans, user-friendly platform, and established brand recognition in the online insurance space. The company aims to be a one-stop shop for consumers seeking health insurance and related products.
Total Addressable Market (TAM)
The TAM for health insurance in the US is in the hundreds of billions of dollars annually, encompassing individual, family, and senior markets. eHealth Inc. is a significant player within the online segment of this TAM, aiming to capture a larger share of consumers who prefer to research and enroll online. Its positioning is that of a facilitator and aggregator of insurance options.
Upturn SWOT Analysis
Strengths
- Established online presence and brand recognition.
- Wide selection of insurance plans from multiple carriers.
- User-friendly platform for comparison and enrollment.
- Experience in navigating complex healthcare regulations.
- Diversified product offerings beyond basic health insurance.
Weaknesses
- Reliance on commissions from insurance carriers, which can be cyclical.
- Potential for intense competition from direct-to-consumer offerings by carriers.
- Challenges in customer acquisition cost in a competitive digital marketing landscape.
- Sensitivity to changes in healthcare policy and regulations.
- Limited direct control over the insurance product offerings themselves.
Opportunities
- Growth in the senior Medicare market.
- Increasing consumer preference for online shopping and digital services.
- Expansion into related health and wellness services.
- Partnerships with employers or other organizations to offer insurance solutions.
- Leveraging data analytics to personalize offerings and improve user experience.
Threats
- Increased competition from new online entrants and established players.
- Changes in government healthcare policy and subsidies impacting enrollment.
- Cybersecurity threats and data privacy concerns.
- Potential for adverse selection impacting carrier offerings and commissions.
- Economic downturns affecting consumer ability to afford insurance premiums.
Competitors and Market Share
Key Competitors
- HealthSherpa (HS)
- SelectQuote (SLQT)
- GoHealth Holdings Ltd. (GOH)
Competitive Landscape
eHealth Inc.'s advantages lie in its established brand and comprehensive platform. However, competitors like HealthSherpa benefit from strong integrations with healthcare.gov, while SelectQuote and GoHealth have focused on specific market segments (e.g., Medicare) with specialized sales models. The landscape is characterized by a mix of online aggregators, carrier-direct sales, and traditional brokers.
Growth Trajectory and Initiatives
Historical Growth: eHealth Inc. has experienced periods of significant growth, particularly during periods of expansion in the individual health insurance market and the rollout of new Medicare plans. However, growth can be inconsistent, influenced by regulatory changes and market competition. The company has demonstrated an ability to adapt to evolving market demands.
Future Projections: Future projections for eHealth Inc. are typically based on analyst estimates, which consider market trends, regulatory outlook, and the company's strategic initiatives. Analysts often project revenue growth, subscriber acquisition, and profitability based on the expansion of its Medicare business and continued strength in the individual and family market.
Recent Initiatives: Recent initiatives likely focus on enhancing the user experience on its platform, expanding its carrier partnerships, improving marketing efficiency to acquire customers, and potentially exploring new product categories or services to complement its core offerings.
Summary
eHealth Inc. operates in the competitive health insurance marketplace, offering a crucial online platform for consumers. Its strengths lie in its established brand and broad plan selection, particularly in the growing Medicare segment. However, it faces significant threats from intense competition and regulatory shifts. The company's future success hinges on its ability to innovate its platform, acquire customers efficiently, and adapt to the ever-changing healthcare landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company investor relations filings (SEC)
- Industry reports
- Financial data aggregators
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is an estimation based on industry understanding and may not reflect precise, up-to-the-minute figures. Past performance is not indicative of future results.
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. Derrick Anthony Duke C.F.A. | ||
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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