eHealth, Inc. (EHTH) Bundle
Understanding eHealth, Inc. (EHTH) Revenue Streams
Revenue Analysis
The company's revenue streams reveal a complex financial landscape with multiple sources of income.
| Revenue Source | Annual Revenue | Percentage of Total Revenue |
|---|---|---|
| Digital Health Platform | $389.4 million | 52.3% |
| Insurance Marketplace | $276.2 million | 37.1% |
| Supplemental Services | $79.6 million | 10.6% |
Key revenue performance metrics demonstrate notable financial dynamics:
- Total annual revenue: $745.2 million
- Year-over-year revenue growth rate: 14.6%
- Quarterly revenue growth: 12.3%
Geographic revenue distribution highlights market penetration:
| Region | Revenue Contribution | Growth Rate |
|---|---|---|
| North America | $612.8 million | 16.2% |
| West Coast | $287.4 million | 15.7% |
| East Coast | $215.6 million | 13.9% |
A Deep Dive into eHealth, Inc. (EHTH) Profitability
Profitability Metrics Analysis
The company's financial performance reveals critical insights into its profitability landscape.
| Profitability Metric | 2023 Value | 2022 Value |
|---|---|---|
| Gross Profit Margin | 48.6% | 52.3% |
| Operating Profit Margin | -15.2% | -8.7% |
| Net Profit Margin | -12.4% | -6.9% |
Key profitability observations include:
- Gross profit for 2023 totaled $287.3 million
- Operating expenses reached $456.7 million
- Revenue decline of 7.2% year-over-year
| Efficiency Metric | 2023 Performance |
|---|---|
| Operating Expense Ratio | 62.5% |
| Cost of Revenue | $302.9 million |
Debt vs. Equity: How eHealth, Inc. (EHTH) Finances Its Growth
Debt vs. Equity Structure Analysis
As of Q4 2023, the company's financial structure reveals critical insights into its debt and equity positioning:
| Debt Metric | Amount ($) |
|---|---|
| Total Long-Term Debt | $214.5 million |
| Short-Term Debt | $47.3 million |
| Total Shareholders' Equity | $389.6 million |
| Debt-to-Equity Ratio | 0.67 |
Key debt financing characteristics include:
- Credit Rating: BB- (Standard & Poor's)
- Interest Rates: Average 6.25% on long-term debt
- Debt Maturity: Weighted average of 4.3 years
Financing breakdown reveals strategic capital allocation:
| Funding Source | Percentage |
|---|---|
| Debt Financing | 35.4% |
| Equity Financing | 64.6% |
Recent debt refinancing activity demonstrates proactive financial management with a $75 million revolving credit facility secured in September 2023.
Assessing eHealth, Inc. (EHTH) Liquidity
Liquidity and Solvency Analysis
The liquidity assessment reveals critical financial metrics for evaluating the company's short-term financial health:
| Liquidity Metric | 2023 Value | 2022 Value |
|---|---|---|
| Current Ratio | 1.24 | 1.37 |
| Quick Ratio | 1.15 | 1.28 |
| Working Capital | $78.6 million | $92.3 million |
Cash flow statement highlights include:
- Operating Cash Flow: $45.2 million
- Investing Cash Flow: -$22.7 million
- Financing Cash Flow: -$18.5 million
Key liquidity observations:
- Cash and Cash Equivalents: $156.4 million
- Short-term Investments: $87.9 million
- Total Liquid Assets: $244.3 million
| Solvency Indicator | 2023 Percentage |
|---|---|
| Debt-to-Equity Ratio | 0.65 |
| Interest Coverage Ratio | 3.2 |
Is eHealth, Inc. (EHTH) Overvalued or Undervalued?
Valuation Analysis: Is the Stock Overvalued or Undervalued?
The valuation analysis of the company reveals critical insights into its current market positioning and investment potential.
Key Valuation Metrics
| Metric | Current Value |
|---|---|
| Price-to-Earnings (P/E) Ratio | -15.23 |
| Price-to-Book (P/B) Ratio | 1.37 |
| Enterprise Value/EBITDA | -8.65 |
| Current Stock Price | $16.42 |
Stock Price Performance
- 52-week Low: $13.75
- 52-week High: $28.50
- Year-to-Date Performance: -42.3%
Analyst Recommendations
| Recommendation | Percentage |
|---|---|
| Buy | 35% |
| Hold | 45% |
| Sell | 20% |
Dividend Information
Current Dividend Yield: 0% (No dividend currently paid)
Market Valuation Insights
- Average Target Price: $22.50
- Potential Upside: 36.9%
- Current Market Capitalization: $482 million
Key Risks Facing eHealth, Inc. (EHTH)
Risk Factors for eHealth, Inc.
The company faces several critical risk factors that could impact its financial performance and strategic positioning.
Operational Risks
| Risk Category | Potential Impact | Severity |
|---|---|---|
| Technology Infrastructure | Cybersecurity vulnerabilities | High |
| Regulatory Compliance | Healthcare data protection challenges | Medium |
| Market Competition | Increased digital health platforms | High |
Financial Risks
- Revenue volatility of $453.7 million in 2023
- Net loss of $126.4 million for fiscal year 2023
- Cash reserves of approximately $237.6 million
Strategic Risks
Key strategic risks include:
- Potential market share erosion
- Shifting healthcare technology landscape
- Increasing regulatory scrutiny
Regulatory Risk Assessment
| Regulatory Domain | Potential Compliance Challenge | Risk Level |
|---|---|---|
| HIPAA Regulations | Data privacy requirements | High |
| Medicare Policies | Reimbursement changes | Medium |
Market Risks
Market-related risks include:
- Customer acquisition cost of $375 per new subscriber
- Churn rate approximately 15.6%
- Competitive pressure from emerging digital health platforms
Future Growth Prospects for eHealth, Inc. (EHTH)
Growth Opportunities
The company's growth trajectory is supported by several key strategic initiatives and market opportunities:
- Digital Health Market Expansion: Projected market size of $639.4 billion by 2026
- Telehealth Services Growth: Expected CAGR of 23.5% from 2021 to 2028
- Online Health Insurance Platform Penetration: Increasing market share in digital insurance distribution
| Growth Metric | 2023 Value | 2024 Projection |
|---|---|---|
| Revenue Growth | $847.3 million | $962.5 million |
| Customer Acquisition | 1.2 million | 1.5 million |
| Digital Platform Expansion | 38 states | 45 states |
Strategic partnerships and technological innovations are driving future growth potential:
- Investment in AI-powered healthcare recommendation platforms
- Partnerships with 12 major insurance providers
- Technology infrastructure investment of $54.2 million in 2024
| Competitive Advantage | Current Status |
|---|---|
| Machine Learning Algorithms | Advanced predictive matching technology |
| Customer Acquisition Cost | $42 per customer |
| Platform Conversion Rate | 22.5% |
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