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eHealthEHTH +1.48%49 Debt-to-EBITDA is -1.42 as of Jun. 2026. GuruFocus rates EHTH with a GF Score™ of 49/100 and a GF Value™ of $4.34 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 320 Insurance companies, eHealth ranks worse than 66.56% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for eHealth's Debt-to-EBITDA or its related term are showing as below:
EHTH'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.38 Med: 0.52 Max: 349.69
Current: 1.91
During the past 13 years, the highest Debt-to-EBITDA Ratio of eHealth was 349.69. The lowest was -1.38. And the median was 0.52.
EHTH's Debt-to-EBITDA is ranked worse than 66.56% of 320
companies
in the Insurance industry
Industry Median: 1.21
vs EHTH: 1.91
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
eHealth Debt-to-EBITDA Related Terms
eHealth Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for eHealth's Debt-to-EBITDA 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.
EHTH vs XHG, QDMI, HUIZ: Debt-to-EBITDA Comparison
For the Insurance Brokers subindustry, eHealth's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, eHealth's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where eHealth's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
eHealth (EHTH) has a Debt-to-EBITDA of -1.42 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on eHealth. According to the industry distribution chart, eHealth ranks #213 out of 320 companies in the Insurance industry, placing it in the top 66.6%.
Is eHealth's Debt-to-EBITDA too high?
eHealth's current Debt-to-EBITDA is -1.42. Based on the distribution chart, eHealth ranks #213 out of 320 companies in the Insurance industry, which is below the industry midpoint. 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 Debt-to-EBITDA compare to XHG and QDMI?
According to the Insurance industry distribution chart, eHealth ranks #213 out of 320 companies for Debt-to-EBITDA. This places eHealth in the lower half of its industry. The industry median Debt-to-EBITDA is 1.21. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.21, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on eHealth. For the Insurance industry, the median Debt-to-EBITDA is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. eHealth's current Debt-to-EBITDA is -1.42. 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 (EHTH) is currently considered Possible Value Trap. The stock's GF Value™ is $4.34, compared to a current price of $1.35 — trading 68.9% below its estimated fair value. The current Debt-to-EBITDA is -1.42. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For eHealth (EHTH), the current Debt-to-EBITDA is -1.42 as of Jun. 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 (EHTH) Overvalued in 2026?
Based on GuruFocus' analysis, eHealth stock appears to be undervalued.
The current stock price of $1.35 is trading 68.9% below its estimated GF Value™ of $4.34.
GuruFocus considers eHealth to be Possible Value Trap.
Key valuation signals for EHTH:
Debt-to-EBITDA: -1.42
GF Value™: $4.34 vs. price of $1.35 (68.9% below fair value)
No single metric tells the full story. See the EHTH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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
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