Built from weaker models, sales multiples or analyst targets, so treat it as a rough guide.
Not used by alerts or posts.
Treated as a mature, profitable company. None of the usual models had enough data, so this uses Analyst consensus and Residual income instead.
ACCE opinioneHealth Inc. Common Stock (EHTH)
Fair value
Not available
ACCE price target
$0.36
Rating
Not rated
Horizon
12 months
ACCE price target published on 15 Oct 2026, 00:00 CEST.
Price used: $0.53 at the close on 23 Oct 2026, 22:00 CEST.
Models: Analyst consensus and Residual income.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
ACCE score
36
out of 100
Analysts
0% buy
4 covering
1-year return
-89.6%
Dividend yield
0.00%
eHealth Inc. Common Stock in four questions
Plain answers, details below
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Overview
ACCE thesis
eHealth is an online marketplace where consumers compare and buy Medicare Advantage, Part D prescription drug and individual health plans, earning commissions from carriers when a policy is sold. The bull case rests on its exposure to the Medicare enrollment cycle and a low-cost digital distribution model that carriers still need, but the numbers currently argue against it: revenue fell 44.8% and the operating margin was -81.6%, with a 2.9% ROE. At a market capitalization of roughly $19 million and a forward P/E of 0.5, the market is pricing in a business that is shrinking and burning money, so any investment case depends on evidence that commission volumes are stabilizing and cash costs are being cut faster than revenue is falling. The score of 36/100 and absence from any index reflect that weakness. This is a turnaround candidate with a severe impairment, and it deserves a deeper look only if the next filings show a clear inflection in revenue or operating costs.
⚠ Investor warnings · 5 flagsAI-assisted·How I use AI
severe
Free cash flow deeply negative
FCF of $-40,653,000 against an $18M market cap means the business burned more than twice its equity value in cash over the period, a serious solvency and funding question.
high
Revenue collapsing
Revenue fell 44.8% year over year and 61.9% quarter over quarter, with a 5-year CAGR of -1.0%, pointing to a shrinking franchise rather than a cyclical dip.
high
Operating margin deeply negative
Operating margin of -81.6% against a net margin of +5.4% suggests the net profit is not coming from core operations, so the headline earnings are of low quality.
moderate
Score deteriorating
The ACCE score slipped from 40 to 36 over 90 days, with the momentum component at 17/100, indicating weakening price and earnings trends.
moderate
Trading far above ACCE target
At $0.57 the stock trades 47.2% above the ACCE price target of $0.36, so the market is pricing in a recovery our model does not currently support.
AI research notes
AI-assisted·How I use AIWritten Oct 20, 2026 · figures from 2026-06-30 · prices to Oct 23, 2026
Why it could do well
Analysts' mean price target of $1.81 sits far above the $0.53 share price, implying meaningful upside if they are right.
Debt to equity of 0.14 means the company carries little borrowed money relative to its equity base.
A forward P/E of 0.4x means the stock is priced at a very low multiple of expected earnings.
Why it could disappoint
Revenue fell 44.8% year over year, and the five-year average growth rate is still negative at -1.0% per year.
Free cash flow over the last 12 months was -$41M, and the cash flow yield is -216.4%.
Not one of the four covering analysts rates the stock Buy or Strong Buy, and earnings missed expectations by -93.4%.
Each chip shows the exact figure and where it comes from. A claim without a source is not published.
Next results
Nov 4, 2026
We update the fair value about 2 days after the results, once the new figures are filed.Add to calendarGoogle
Walk me through this stock
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Valuation
INVESTOR
Where EHTH's valuation models land
Price
$0.53
Model fair valueConfidence: low
about $1.74
Model
Fair value
Upside
Analyst consensus
Residual income
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Quality
INVESTOR
Quality and conviction INVESTOR FEATURE
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+Conviction breakdown and growth / value / quality / momentum scores