eHealth (STU:M5V) Cyclically Adjusted Book per Share: €19.97 (As of Mar. 2026)


STU:M5V eHealth Inc STU:M5V
49 GF Score
Price €1.43
GF Value €4.15
Valuation Possible Value Trap
! 4 Warning Signs
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What is eHealth Cyclically Adjusted Book per Share?

eHealth STU:M5V 49 Cyclically Adjusted Book per Share is €19.97 as of Mar. 2026. GuruFocus rates STU:M5V with a GF Score™ of 49/100 and a GF Value™ of €4.15 (Possible Value Trap). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

eHealth's adjusted book value per share for the three months ended in Mar. 2026 was €15.986. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €19.97 for the trailing ten years ended in Mar. 2026.

During the past 12 months, eHealth's average Cyclically Adjusted Book Growth Rate was 8.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 9.30% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 13.10% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 15.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of eHealth was 23.00% per year. The lowest was 7.40% per year. And the median was 13.65% per year.

As of today (2026-07-12), eHealth's current stock price is €1.425. eHealth's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €19.97. eHealth's Cyclically Adjusted PB Ratio of today is 0.07.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of eHealth was 14.29. The lowest was 0.05. And the median was 1.71.


eHealth  (STU:M5V) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

eHealth's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=1.425/19.97
=0.07

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of eHealth was 14.29. The lowest was 0.05. And the median was 1.71.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


eHealth Cyclically Adjusted Book per Share Related Terms


eHealth Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for eHealth's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

eHealth Cyclically Adjusted Book per Share Chart

eHealth Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.71 15.78 17.22 17.79 17.27

eHealth Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 19.56 17.76 17.00 17.27 19.97

STU:M5V vs XHG, QDMI, ZBAO: Cyclically Adjusted Book per Share Comparison

For the Insurance Brokers subindustry, eHealth's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


eHealth Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, eHealth's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where eHealth's Cyclically Adjusted PB Ratio falls into.


STU:M5V
49GF Score
eHealth Inc STU:M5V
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

eHealth Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, eHealth's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=15.986/330.2130*330.2130
=15.986

Current CPI (Mar. 2026) = 330.2130.

eHealth Quarterly Data

Book Value per Share CPI Adj_Book
201606 4.715 241.018 6.460
201609 4.498 241.428 6.152
201612 4.008 241.432 5.482
201703 5.730 243.801 7.761
201706 4.712 244.955 6.352
201709 3.567 246.819 4.772
201712 12.994 246.524 17.405
201803 12.406 249.554 16.416
201806 12.510 251.989 16.393
201809 12.160 252.439 15.906
201812 13.709 251.233 18.019
201903 17.420 254.202 22.629
201906 17.217 256.143 22.196
201909 17.015 256.759 21.883
201912 20.507 256.974 26.352
202003 27.978 258.115 35.793
202006 27.394 257.797 35.089
202009 25.488 260.280 32.336
202012 26.557 260.474 33.667
202103 27.181 264.877 33.886
202106 26.381 271.696 32.063
202109 25.087 274.310 30.200
202112 24.855 278.802 29.438
202203 24.232 287.504 27.832
202206 23.491 296.311 26.179
202209 23.395 296.808 26.028
202212 22.295 296.797 24.805
202303 21.199 301.836 23.192
202306 19.815 305.109 21.445
202309 18.583 307.789 19.937
202312 19.411 306.746 20.896
202403 18.488 312.332 19.546
202406 17.402 314.175 18.290
202409 15.231 315.301 15.951
202412 18.828 315.605 19.699
202503 17.920 319.799 18.504
202506 15.781 322.561 16.155
202509 14.269 324.800 14.507
202512 16.301 324.054 16.611
202603 15.986 330.213 15.986

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €19.97 mean?
eHealth (STU:M5V) has a Cyclically Adjusted Book per Share of €19.97 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on eHealth and its competitors.
Is eHealth's Cyclically Adjusted Book per Share too high?
eHealth's current Cyclically Adjusted Book per Share is €19.97. Overall, eHealth has a GF Score™ of 49/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does eHealth's Cyclically Adjusted Book per Share compare to XHG and QDMI?
eHealth's Cyclically Adjusted Book per Share of €19.97 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on eHealth and its competitors. eHealth's current Cyclically Adjusted Book per Share is €19.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is eHealth stock overvalued right now?
Based on GuruFocus' analysis, eHealth (STU:M5V) is currently considered Possible Value Trap. The stock's GF Value™ is €4.15, compared to a current price of €1.43 — trading 65.7% below its estimated fair value. The current Cyclically Adjusted Book per Share is €19.97. eHealth's overall GF Score™ is 49/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For eHealth (STU:M5V), the current Cyclically Adjusted Book per Share is €19.97 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is eHealth (STU:M5V) Overvalued in 2026?

Based on GuruFocus' analysis, eHealth stock appears to be undervalued. The current stock price of €1.43 is trading 65.7% below its estimated GF Value™ of €4.15. GuruFocus considers eHealth to be Possible Value Trap.

Key valuation signals for STU:M5V:

  • Cyclically Adjusted Book per Share: €19.97
  • GF Value™: €4.15 vs. price of €1.43 (65.7% below fair value)
  • GF Score™: 49/100 with 4 warning signs

No single metric tells the full story. See the STU:M5V stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


eHealth Business Description

Other Exchanges EHTH:USA
Address 9190 Priority Way West Drive, Suite 110, Indianapolis, IN, USA, 46240
eHealth Inc is a company involved in private health insurance marketplace with a technology and service platform that provides consumer engagement, education and health insurance enrollment solutions. The company operates its business in two segments: Medicare which provides health insurance plans and lesser extent ancillary products such as dental and vision insurance and hospital indemnity plans, to medicare eligible consumers; and Employer and Individual provides individual and family health insurance, and small business health insurance plans and Individual Coverage Health Reimbursement Arrangements. It derives maximum revenue from Medicare Segment. All of the company's revenue is derived from the United States. It also has a presence in China.
49GF Score

Get the complete analysis for STU:M5V

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.43
Price
€4.15
GF Value