eHealth, Inc. (EHTH) AI Stock Analysis

eHealth, Inc. operates an online private health insurance marketplace within the United States. Structured into two segments—Medicare and Individual, Family, and Small Business—the company provides consumer engagement, education, and health insurance enrollment solutions. Its ecommerce platforms allow individuals, families, and small businesses to research, analyze, compare, and purchase Medicare Advantage, Medicare Supplement, Medicare Part D, individual and family health insurance, and small business health plans. eHealth markets these plans through carrier partnerships and websites such as eHealth.com, eHealthInsurance.com, eHealthMedicare.com, and Medicare.com. Headquartered in Santa Clara, California, eHealth also licenses proprietary ecommerce technology to health insurance carriers.

Over the five-year period from FY2020 to FY2025, revenue contracted at a CAGR of -1.0%. Annual revenue rebounded from $405.4M in FY2022 to $554.0M in FY2025, while operating margin improved from -25.3% to 12.4%. Net income shifted from -$104.4M in FY2021 to $40.0M in FY2025. However, trailing twelve month operating margin stood at -81.6% on revenue of $501.7M. For the latest quarter ended June 30, 2026, quarterly revenue fell 44.8% year-over-year, and quarterly earnings declined 17.6% year-over-year, with trailing twelve month diluted EPS at -$0.79.

As of June 30, 2026, eHealth held $101.0M in cash and short-term investments against total debt of $132.2M, resulting in net debt of $31.1M. Shareholders' equity was $540.8M against total assets of $1.16B, with a debt-to-equity ratio of 0.24 and a current ratio of 9.95. For FY2025, the company generated operating cash flow of -$25.3M and free cash flow of -$40.7M. Capital allocation in FY2025 included $15.3M in capital expenditures, $2.4M for share buybacks, and $5.9M in dividends paid.

At a closing price of $0.59 on October 16, 2026, eHealth traded at a market capitalization of $18.8M and an enterprise value of $58.3M. The stock traded at a forward P/E of 0.5x, well below the 10.8x median of its US-listed Financial Services peers. Its EV/EBITDA ratio of 0.8x and price-to-sales of 0.0x also sat below the peer medians of 11.7x and 3.2x, respectively. Over the trailing 1-year period, eHealth fell 87.3%, lagging the 16.8% return of the S&P 500 (SPY). Over 5 years, the stock returned -98.7% compared to 83.0% for the index.

Wall Street coverage consists of 4 Hold ratings, with 0 Buy and 0 Sell ratings. The mean price target is $1.81, representing an upside of 209.0% from the last close of $0.59. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $422.3M and an EPS of -$1.29. For the following fiscal year, 2 analysts expect revenue of $434.4M and EPS of -$0.84. The company recorded 0 EPS beats over the last 4 quarters. The next earnings date is November 4, 2026.

This page is an AI-written research summary of eHealth, Inc. (EHTH). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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