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eHealth, Inc. operates a health insurance marketplace that provides consumer engagement, education, and health insurance enrollment solutions in the United States. It operates in two segments, Medicare; and Employer and Individual. The Medicare segment offers sale of Medicare-related health insurance plans, such as Medicare advantage, Medicare Supplement, and Medicare Part D prescription drug plans to Medicare-eligible beneficiaries including but not limited to, dental and vision insurance, and hospital indemnity plans, as well as advertising program for marketing and other services. The Employer and Individual segment is involved 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. It also provides ecommerce platforms and consumer engagement solutions comprising market leading information, decision support, and transactional services to group of health insurance consumers; and organize and present the health insurance information in objective format to individuals, families, and small businesses to research, analyze, compare, and purchase health insurance plans. In addition, the company's platform allows eHealth to provide omnichannel capabilities to consumers who can shop and enroll in health insurance through an online interface. Further, it provides online sponsorship and advertising, non-broker of record, technology licensing, captive arrangements, and other services. eHealth, Inc. was incorporated in 1997 and is headquartered in Indianapolis, Indiana.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
eHealth, Inc. operates an online marketplace that helps consumers compare and enroll in individual and Medicare health insurance plans using digital tools and licensed agents. Long-term growth could be supported by an aging population, rising online enrollment for benefits and continued carrier demand for third-party distribution. Investors may find the company attractive for its marketplace scale, commission-based revenue model and data-driven marketing capabilities.
Investors should monitor policy and regulatory changes to Medicare and individual insurance markets, intense competition from insurers and digital brokers and execution risks tied to customer acquisition costs and technology compliance.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 58.73M | 19.31M | -30.59M | -106.39M | -124.89M |
| Net income | 40.04M | 10.06M | -28.21M | -88.72M | -104.38M |
| Selling general administrative | 89.56M | 89.77M | 99.36M | 71.81M | 97.21M |
| Selling and marketing expenses | 181.24M | 190.84M | 172.64M | 195.09M | 262.64M |
| Gross profit | 540.25M | 530.62M | 451.10M | 403.71M | 536.21M |
| Reconciled depreciation | 13.76M | 16.34M | 20.56M | 21.11M | 18.87M |
| Ebit | 69.49M | 30.47M | -19.62M | -83.10M | -74.42M |
| Ebitda | 83.25M | 46.81M | 0.29M | -42.37M | -4.33M |
| Depreciation and amortization | 13.76M | 16.34M | 19.92M | 40.72M | 70.09M |
| Non operating income net other | - | - | - | -3.68M | 0.76M |
| Operating income | 68.50M | 23.57M | -29.07M | -83.10M | -74.42M |
| Other operating expenses | 485.51M | 508.84M | 481.94M | 488.45M | 612.62M |
| Interest expense | 10.76M | 11.16M | 10.97M | 42.91M | 101.69M |
| Tax provision | 18.68M | 9.26M | 0.57M | -17.67M | -20.52M |
| Net interest income | -10.76M | -11.16M | -10.97M | - | - |
| Non recurring | - | - | - | 19.62M | 51.22M |
| Income tax expense | 18.68M | 9.26M | -2.38M | -17.67M | -20.52M |
| Total revenue | 554.01M | 532.41M | 452.87M | 405.36M | 538.20M |
| Total operating expenses | 471.75M | 507.05M | 480.17M | 486.81M | 610.63M |
| Cost of revenue | 13.76M | 1.79M | 1.77M | 1.65M | 1.99M |
| Total other income expense net | -9.77M | -4.26M | -1.52M | -23.29M | -50.47M |
| Net income from continuing ops | 40.04M | 10.06M | -59.73M | -88.72M | -104.38M |
| Net income applicable to common shares | - | - | - | -119.41M | -122.94M |
| Preferred stock and other adjustments | - | - | - | 30.69M | 18.57M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1262.47M | 1155.42M | 1316.23M | 1112.61M | 1149.29M |
| Intangible assets | 22.30M | 20.70M | 23.60M | - | 1.92M |
| Other current assets | -873.29M | 12.96M | -1043.82M | 11.30M | 0.92M |
| Total liab | 288.82M | 567.00M | 412.15M | 198.37M | 167.18M |
| Total stockholder equity | 973.65M | 588.43M | 904.08M | 914.24M | 982.11M |
| Deferred long term liab | - | - | - | 32.36M | 50.80M |
| Other current liab | 63.40M | 64.83M | 64.40M | 14.99M | 3.33M |
| Common stock | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M |
| Capital stock | 0.04M | 0.04M | 298.09M | 263.32M | 232.63M |
| Retained earnings | 30.12M | 15.25M | 7.28M | 73.80M | 193.21M |
| Other liab | - | - | - | 37.49M | 55.89M |
| Good will | - | - | 608.18M | - | 0.00M |
| Other assets | - | - | 202.88M | 648.21M | 690.30M |
| Cash | 73.72M | 39.20M | 115.72M | 144.40M | 81.93M |
| Total current liabilities | 99.07M | 96.01M | 78.54M | 60.56M | 75.47M |
| Current deferred revenue | - | - | -0.13M | 32.36M | 52.84M |
| Net debt | 60.63M | 57.72M | -12.56M | -37.60M | -40.56M |
| Short term debt | 7.35M | 7.73M | 7.07M | 6.49M | 5.54M |
| Short long term debt total | 134.35M | 96.92M | 103.16M | 106.80M | 41.37M |
| Other stockholder equity | 561.50M | 573.37M | 598.79M | 577.19M | 555.88M |
| Property plant equipment | - | - | - | 5.50M | 49.48M |
| Total current assets | 334.35M | 354.48M | 382.35M | 401.08M | 407.59M |
| Net tangible assets | - | - | - | 914.24M | 747.60M |
| Short term investments | 3.50M | 43.04M | 5.93M | 0.00M | 41.31M |
| Net receivables | 1130.42M | 259.27M | 922.17M | 245.38M | 260.57M |
| Long term debt | 112.95M | 68.46M | 67.75M | 66.13M | - |
| Inventory | - | - | 0.00M | - | 22.86M |
| Accounts payable | 28.32M | 23.45M | 7.20M | 6.73M | 13.75M |
| Accumulated other comprehensive income | -0.06M | -0.23M | -0.08M | -0.07M | 0.39M |
| Common stock total equity | - | - | - | 0.04M | 0.04M |
| Retained earnings total equity | - | - | - | 73.80M | 193.21M |
| Treasury stock | - | - | - | - | -200.00M |
| Non currrent assets other | 892.86M | 784.43M | -134.40M | 647.15M | 690.30M |
| Non current assets total | 928.12M | 800.95M | 730.99M | 711.53M | 741.71M |
| Capital lease obligations | 21.40M | 28.46M | 35.40M | 40.67M | 41.37M |
| Long term debt total | - | - | - | 66.13M | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 40.74M | -48.42M | -14.76M | 25.86M | 8.23M |
| Change to liabilities | - | - | - | -15.85M | -23.03M |
| Total cashflows from investing activities | 25.43M | -48.42M | - | 25.86M | -12.63M |
| Net borrowings | 51.46M | -0.00M | - | 64.86M | -0.15M |
| Total cash from financing activities | 34.29M | -9.67M | -6.22M | 63.84M | 213.24M |
| Change to operating activities | - | - | - | 4.66M | 6.75M |
| Net income | 40.04M | 10.06M | -28.21M | -88.72M | -104.38M |
| Change in cash | 34.53M | -76.53M | -28.68M | 62.48M | 38.05M |
| Begin period cash flow | 42.29M | 118.81M | 144.40M | 85.17M | 47.11M |
| End period cash flow | 76.81M | 42.29M | 115.72M | 147.64M | 85.17M |
| Total cash from operating activities | -25.34M | -18.37M | -6.69M | -26.87M | -162.62M |
| Issuance of capital stock | - | - | 0.00M | 0.00M | 214.03M |
| Depreciation | 1.88M | 16.34M | 19.92M | 21.11M | 18.87M |
| Other cashflows from investing activities | -15.31M | -12.86M | - | -15.29M | -16.99M |
| Dividends paid | 5.90M | 5.56M | 3.53M | 0.00M | 214.03M |
| Change to inventory | - | - | - | - | -105.19M |
| Change to account receivables | -113.84M | -94.73M | -34.95M | 3.12M | -3.95M |
| Sale purchase of stock | -2.44M | -3.41M | -3.33M | -3.10M | -9.33M |
| Other cashflows from financing activities | -9.23M | -0.70M | -2.69M | 64.86M | 222.72M |
| Change to netincome | - | - | - | 16.07M | 59.15M |
| Capital expenditures | 2.25M | 12.86M | 10.78M | 15.51M | 20.86M |
| Change receivables | - | - | - | 3.12M | -3.95M |
| Cash flows other operating | - | - | - | 54.67M | -111.05M |
| Cash and cash equivalents changes | - | - | - | 62.83M | 37.99M |
| Change in working capital | -114.86M | -81.73M | -19.64M | 24.68M | -136.26M |
| Stock based compensation | 15.04M | 19.88M | 23.21M | 20.32M | 32.86M |
| Other non cash items | 14.20M | 7.91M | 0.70M | 14.19M | 47.81M |
| Free cash flow | -27.59M | -31.22M | -17.47M | -42.38M | -183.48M |
Sector: Financial Services Industry: Insurance Brokers
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| EHTH eHealth Inc |
-0.05 8.85% |
0.47 | - | 0.53 | 0.06 | 0.06 | 0.12 | 0.88 |
| MRSH Marsh & McLennan Companies, Inc. |
-4.61 2.20% |
204.82 | 22.03 | 15.87 | 3.07 | 5.67 | 3.82 | 14.80 |
| AON Aon PLC |
-9.59 2.78% |
334.81 | 19.50 | 17.61 | 4.19 | 7.68 | 4.95 | 13.01 |
| AJG Arthur J Gallagher & Co |
-6.50 2.26% |
281.61 | 41.13 | 17.09 | 4.21 | 2.74 | 4.93 | 19.58 |
| WTW Willis Towers Watson PLC |
-7.65 2.27% |
328.86 | 19.92 | 14.56 | 2.96 | 3.91 | 3.52 | 13.08 |
eHealth, Inc. operates a health insurance marketplace that provides consumer engagement, education, and health insurance enrollment solutions in the United States. It operates in two segments, Medicare; and Employer and Individual. The Medicare segment offers sale of Medicare-related health insurance plans, such as Medicare advantage, Medicare Supplement, and Medicare Part D prescription drug plans to Medicare-eligible beneficiaries including but not limited to, dental and vision insurance, and hospital indemnity plans, as well as advertising program for marketing and other services. The Employer and Individual segment is involved 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. It also provides ecommerce platforms and consumer engagement solutions comprising market leading information, decision support, and transactional services to group of health insurance consumers; and organize and present the health insurance information in objective format to individuals, families, and small businesses to research, analyze, compare, and purchase health insurance plans. In addition, the company's platform allows eHealth to provide omnichannel capabilities to consumers who can shop and enroll in health insurance through an online interface. Further, it provides online sponsorship and advertising, non-broker of record, technology licensing, captive arrangements, and other services. eHealth, Inc. was incorporated in 1997 and is headquartered in Indianapolis, Indiana.
9190 Priority Way West Drive, Indianapolis, IN, United States, 46240
737 248 2340
1665
| Name | Title | Year Born |
|---|---|---|
| Mr. Francis Samuel Soistman Jr. | CEO & Director | 1957 |
| Mr. John Joseph Stelben | Sr. VP & CFO | 1961 |
| Mr. Roman V. Rariy | COO & Chief Transformation Officer | 1972 |
| Mr. John Joseph Dolan | Chief Accounting Officer & Principal Accounting Officer | 1968 |
| Ms. Kate Sidorovich CFA | Sr. VP of Investor Relations & Strategy | NA |
| Mr. Gavin Guy Galimi | Sr. VP, Gen. Counsel & Corp. Sec. | NA |
| Ms. Michelle Barbeau | Chief Marketing Officer | NA |
| Ms. Jana Brown | Sr. VP & Chief People Officer | NA |
| Mr. Bill Billings | Chief Information Security Officer | NA |
| Mr. Gregg R. Ratkovic | Sr. VP & Chief Bus. Officer | 1969 |
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