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eHealth Financial Strength

: 6 (As of Mar. 2022)
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eHealth has the Financial Strength Rank of 6.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.

GuruFocus does not calculate eHealth's interest coverage with the available data. eHealth's debt to revenue ratio for the quarter that ended in Mar. 2022 was 0.25. As of today, eHealth's Altman Z-Score is 1.16.


Competitive Comparison

For the Insurance Brokers subindustry, eHealth's Financial Strength, along with its competitors' market caps and Financial Strength 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 Financial Strength Distribution

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

* The bar in red indicates where eHealth's Financial Strength falls into.



eHealth Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

eHealth's Interest Expense for the months ended in Mar. 2022 was $0.0 Mil. Its Operating Income for the months ended in Mar. 2022 was $-34.9 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2022 was $99.4 Mil.

eHealth's Interest Coverage for the quarter that ended in Mar. 2022 is

GuruFocus does not calculate eHealth's interest coverage with the available data.

The higher the ratio, the stronger the company's financial strength is.

Good Sign:

Ben Graham prefers companies' interest coverage to be at least 5. eHealth Inc has enough cash to cover all of its debt. Its financial situation is stable.

2. Debt to revenue ratio. The lower, the better.

eHealth's Debt to Revenue Ratio for the quarter that ended in Mar. 2022 is

Debt to Revenue Ratio=Total Debt (Q: Mar. 2022 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(5.655 + 99.399) / 421
=0.25

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

eHealth has a Z-score of 1.16, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.

Warning Sign:

Altman Z-score of 1.16 is in distress zone. This implies bankruptcy possibility in the next two years.

* 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  (NAS:EHTH) Financial Strength Explanation

The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.

eHealth has the Financial Strength Rank of 6.


eHealth Financial Strength Related Terms

Thank you for viewing the detailed overview of eHealth's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.


eHealth Business Description

eHealth logo
Traded in Other Exchanges
Address
2625 Augustine Drive, Second Floor, Santa Clara, CA, USA, 95054
eHealth Inc offers a private health insurance exchange where individuals and small businesses can compare health insurance products from leading insurers. Users can purchase the insurance online. The exchange includes Medicare options, and seniors can enroll in those plans online or via phone. The company primarily generates revenue through commissions it receives from health insurance carriers. EHealth has relationships with the health insurance carriers in the United States and offers thousands of plans online. All of the company's revenue is from the United States.
Executives
Dolan John Joseph officer: Chief Accounting Officer C/O EHEALTH, INC. 2625 AUGUSTINE DRIVE SANTA CLARA CA 95054
Rariy Roman V officer: COO & Chief Transformation Off C/O EHEALTH, INC. 2625 AUGUSTINE DRIVE, SECOND FLOOR SANTA CLARA CA 95054
Soistman Francis S Jr director, officer: Chief Executive Officer 3721 RECPORT DRIVE HARRISBURG PA 17106
Janofsky Christine A officer: SVP, Chief Financial Officer 150 N RADNOR CHESTER ROAD RADNOR PA 19087
Echelon Health Spv, Lp 10 percent owner C/O H.I.G. CAPITAL, LLC 1450 BRICKELL AVENUE, 31ST FLOOR MIAMI FL 33131
H.i.g. Middle Market Lbo Fund Iii, L.p. 10 percent owner 1450 BRICKELL AVENUE, 31ST FLOOR MIAMI FL 33131
H.i.g. Echelon, Lp 10 percent owner C/O H.I.G. CAPITAL, LLC 1450 BRICKELL AVENUE, 31ST FLOOR MIAMI FL 33131
H.i.g. Middle Market Advisors Iii, Llc 10 percent owner C/O H.I.G. CAPITAL, LLC 1450 BRICKELL AVENUE, 31ST FLOOR MIAMI FL 33131
H.i.g.-gpii, Inc. 10 percent owner C/O EXAGEN INC. 1261 LIBERTY WAY, SUITE C VISTA CA 92081
Mnaymneh Sami 10 percent owner 1001 SOUTH BAYSHORE DRIVE STE 2708 MIAMI FL 33131
Tamer Anthony 10 percent owner 1001 SOUTH BAYSHORE DRIVE STE 2708 MIAMI FL 33131
Echelon Health Spv Gp, Llc 10 percent owner C/O H.I.G. CAPITAL, LLC 1450 BRICKELL AVENUE, 31ST FLOOR MIAMI FL 33131
Tolson Aaron C director C/O EHEALTH, INC. 2625 AUGUSTINE DRIVE, SECOND FLOOR PALO ALTO CA 95054
Russell Erin L director 245 PARK AVENUE 41ST FLOOR NEW YORK NY 10167
Soriano Cesar M director C/O EHEALTH, INC. 2625 AUGUSTINE DRIVE, SECOND FLOOR SANTA CLARA CA 95054

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