eHealth (STU:M5V) Moat Score: 4/10 (As of Jul. 12, 2026)


STU:M5V eHealth Inc STU:M5V
54 GF Score
Price €1.43
GF Value €4.15
Valuation Possible Value Trap
! 4 Warning Signs
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What is eHealth Moat Score?

eHealth STU:M5V 54 Moat Score is 4 as of Jul. 12, 2026. GuruFocus rates STU:M5V with a GF Score™ of 54/100 and a GF Value™ of €4.15 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 597 Insurance companies, eHealth ranks better than 79.56% on this metric.

eHealth has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

eHealth has Narrow Moat: eHealth Inc has a modest moat due to its established online platform for health insurance, providing some customer switching costs. However, it faces intense competition and lacks strong brand strength or significant regulatory barriers. Its market share is not dominant, and cost advantages are limited.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes eHealth might have Narrow Moat - Discernible but modest moat.

eHealth  (STU:M5V) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

eHealth Moat Score Related Terms

STU:M5V vs XHG, QDMI, ZBAO: Moat Score Comparison

For the Insurance Brokers subindustry, eHealth's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, eHealth's Moat Score distribution charts can be found below:

* The bar in red indicates where eHealth's Moat Score falls into.


STU:M5V
54GF Score
eHealth Inc STU:M5V
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
eHealth (STU:M5V) has a Moat Score of 4 as of Jul. 12, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, eHealth ranks #122 out of 597 companies in the Insurance industry, placing it in the top 20.4%.
Is eHealth's Moat Score too high?
eHealth's current Moat Score is 4. Based on the distribution chart, eHealth ranks #122 out of 597 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, eHealth has a GF Score™ of 54/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does eHealth's Moat Score compare to XHG and QDMI?
According to the Insurance industry distribution chart, eHealth ranks #122 out of 597 companies for Moat Score. This places eHealth in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. eHealth's current Moat Score is 4. 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 Moat Score is 4. eHealth's overall GF Score™ is 54/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For eHealth (STU:M5V), the current Moat Score is 4 as of Jul. 12, 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:

  • Moat Score: 4
  • GF Value™: €4.15 vs. price of €1.43 (65.7% below fair value)
  • GF Score™: 54/100 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.
54GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.43
Price
€4.15
GF Value