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Stock Ratings / Financials / EHTH
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eHealth Inc. (EHTH) — RQD Stock Rating Cockpit

$0.50 +2.60% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.50

eHealth Inc. (EHTH) carries a Roarable Rating of D- (Sell) with 41/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $15.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is EHTH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, eHealth Inc. (NASDAQ: EHTH) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 41/100 at a spot price of $0.50 (+2.60% 1D, market cap $15.8M). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, EHTH ranks #909 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does EHTH compare to CCG and HUIZ in the Financials sector?
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Within the Financials sector (Specialty Insurers), EHTH carries a Roarable D- (41/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 8.3%. By comparison, CCG (Cheche Group Inc. (Class A)) holds a D+ grade (55/100 RQD, P/E N/A, ROIC —, cap $17.9M) and HUIZ (Huize Holding Limited) posts a B- grade (70/100 RQD, P/E 39.0x, ROIC 3.1%, cap $22.7M). Among the 5-stock peer group, HIT leads on earnings multiple (31.2x) while EHTH leads on capital efficiency (8.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EHTH?
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Per EHTH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001333493), eHealth Inc. generated $554.0M in revenue (+4.1% YoY), $40.0M in net income, and -$27.6M in free cash flow against $1.26B in total assets and $113.0M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $0.50 (+0.28%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 6/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (41/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.2% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • D-
025507510041
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk D+
Cash (6)Whales (5)SEC (13)Macro (8)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-8% Base Target
$6 Bull$0 Base$0 Bear
📬 FREE EHTH RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EHTH)Realized 20D OHLCV Swing Band: ±12.5%
Deterministic 5-Pillar Attribution (41/100 Composite)
🔍 WHY EHTH SCORES 41/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (32% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+9/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 45% Net Buy • Disciplined Float (-0.40% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
49
Grade D$0.63-7.9% Next Q
Q2 (-2Q)
46
Grade D$0.58-5.2% Next Q
Q3 (-1Q)
44
Grade D$0.55-9.1% Next Q
Current
41
Grade D-$0.50-7.2% Hist 90D α
Trajectory: D (49) → D- (41)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a EHTH Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While EHTH currently carries a cautious 41/100 (D-) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.77) and Max Pain ($0.53) forces dealer call-delta covering toward $5.62.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EHTH• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “EHTH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 41%NO 59%Trade / Inspect Odds →
RSI-14 MOMENTUMOVERSOLD (<32)
28.830 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
4 / 99-Pt Accounting
52-WEEK LASER RANGE2% OF RANGE
L: $0$0.50H: $5
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 6 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 14 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on EHTH

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (30)

8.3% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (37)

14/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like EHTH
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring EHTH)

  • ✓Walkthrough of EHTH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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EHTH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -73.54%🛡️ HOLDING TREND SUPPORT
2026-11-03O $0.52H $0.52L $0.49C $0.50VOL 292.7K
RES: $0.84SUP: $0.39SMA50: $0.77SMA200: $1.47
$3.49$2.67$1.86$1.05$0.24RES $0.84SUP $0.39$0.502026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EHTH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EHTH Butterfly Map → + Track EHTH →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +4.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on EHTH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EHTH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for EHTH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EHTH)

Financials Rank #909 of 1097 ⚔️ CCG vs EHTH Full Matrix →

1. Head-to-Head Financials Peer Comparison (EHTH vs. CCG, HUIZ, HIT, SLQT)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, eHealth Inc. (EHTH) ranks #909 by composite RQD confidence (41/100, grade D-) and #1066 by equity capitalization ($15.8M). Within this direct 5-issuer industry benchmark cohort, HIT leads on earnings valuation at 31.2x trailing P/E, while EHTH leads on capital efficiency and profitability with 8.3% ROIC and — gross margin. HUIZ currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with EHTH at 41/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
EHTH ACTIVE
eHealth Inc.
D- 41/100 — — 8.3% +2.60% $15.8M Benchmark Subject
CCG
Cheche Group Inc. (Class A)
D+ 55/100 — — — +0.28% $17.9M /ccg-vs-ehth →
HUIZ
Huize Holding Limited
B- 70/100 39.0x — 3.1% -3.11% $22.7M /huiz-vs-ehth →
HIT
Health In Tech Inc. (Class A)
D+ 56/100 31.2x — 7.5% +1.30% $37.7M /hit-vs-ehth →
SLQT
SelectQuote Inc.
D- 39/100 — — 7.4% +12.61% $64.0M /slqt-vs-ehth →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001333493 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), eHealth Inc. (EHTH) reported GAAP revenue of $554.0M (+4.1% vs. FY2024 revenue of $532.4M , and +22.3% cumulative change since FY2023) , GAAP net income of $40.0M, operating cash flow of -$25.3M, and free cash flow of -$27.6M (-34.9% YoY). On the balance sheet, EHTH closed FY2025 with $1.26B in total assets against $113.0M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $554.0M $40.0M -$25.3M -$27.6M $1.26B $113.0M
FY2024 (FY) 2024-12-31 $532.4M $10.1M -$18.4M -$20.5M $1.16B $68.5M
FY2023 (FY) 2023-12-31 $452.9M -$28.2M -$6.7M -$6.7M — —

3. EHTH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EHTH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, eHealth Inc. (NASDAQ: EHTH) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 41/100 at a spot price of $0.50 (+2.60% 1D, market cap $15.8M). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, EHTH ranks #909 in composite RQD confidence.

How does EHTH compare to CCG and HUIZ in the Financials sector?

Within the Financials sector (Specialty Insurers), EHTH carries a Roarable D- (41/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 8.3%. By comparison, CCG (Cheche Group Inc. (Class A)) holds a D+ grade (55/100 RQD, P/E N/A, ROIC —, cap $17.9M) and HUIZ (Huize Holding Limited) posts a B- grade (70/100 RQD, P/E 39.0x, ROIC 3.1%, cap $22.7M). Among the 5-stock peer group, HIT leads on earnings multiple (31.2x) while EHTH leads on capital efficiency (8.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EHTH?

Per EHTH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001333493), eHealth Inc. generated $554.0M in revenue (+4.1% YoY), $40.0M in net income, and -$27.6M in free cash flow against $1.26B in total assets and $113.0M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is EHTH trading relative to its 50-day, 200-day, and 52-week technical levels?

EHTH last traded at $0.50 (+2.60% on volume of 1,543,786 shares), positioning the stock -35.06% below its 50-day simple moving average ($0.77) and -65.99% below its 200-day simple moving average ($1.47). Across its 52-week range of $0.49 to $5.35, EHTH sits at the 0.2% percentile with a 14-day RSI of 28.8 (OVERSOLD (<32)) and an implied next-earnings move of ±12.5% ($1.00 to $0.56).

Direct Sub-Reports: EHTH RQD Cockpit EHTH 12M Forecast EHTH Earnings & Move EHTH Dividends & DRIP EHTH Insiders & 13F EHTH Whale Options EHTH Profit Sankey EHTH News & Why
ROARABLE RATING BRIEF • RQD 41/100 (D-) ✓ SEC XBRL & RQD VERIFIED

EHTH — eHealth Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

eHealth Inc. (EHTH) earns a live Roarable RQD composite score of 41/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $0.50 (+2.60% 1D, market capitalization $15.8M).

  • Fundamental Cash Engine (6/20): Anchored by return on invested capital (ROIC) of 8.3%, gross margin of —, operating margin of 12.0%, and free cash flow yield of —.
  • Whale 13F & Options Flow (5/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. Is a NASDAQ-listed issuer in the Financials sector, Specialty Insurers industry. The company's products, customer segments, and revenue mechanics are not described in the source data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), eHealth Inc. (EHTH) reported $554.0M in annual revenue (up from $532.4M in FY2024, +4.1% YoY) and $40.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($452.9M revenue, -$28.2M net income) through FY2025, EHTH scaled operating cash flow to -$25.3M and free cash flow to -$27.6M, backed by $1.26B in total assets against $113.0M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D- • RQD 41/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 5/20. With Fundamental Cash Engine at 6/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $0.49 – $5.35 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against 12.0% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

There are no upstream or downstream links and no proprietary signals recorded. Sector correlations and 2nd-order bottlenecks cannot be mapped from the source data. The one flagged ripple is the Risk Watch item on Medicare shopper behavior, which bears on the company's customer channel but is not quantified in the source data. Investors should watch the Nasdaq compliance process and any reverse split, since these would alter share count and price presentation, and the November 4 results for cash flow direction.

  • Key Question #1: Can EHTH sustain or expand its 12.0% operating margin and 8.3% ROIC against Specialty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $554.0M and free cash flow of -$27.6M, how will capital allocation balance growth reinvestment against $113.0M in total debt?
  • Key Question #3: How sensitive is EHTH's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

EHTH Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for eHealth Inc. (EHTH) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to EHTH Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

EHTH Bull vs. Bear Conversation Board — What's Your Call at $0.50?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON EHTH 🐻 33% BEARISH CONVICTION
1. Pick Your Side on EHTH:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $0.64 (+30.6%)
📌 Pinned Debate

Operating income rose from -$29.1M in FY 2023 to $66.5M in FY 2025 on revenue of $554.0M, and the forensic balance sheet pillar scored

Don't sleep on EHTH's setup in Financials. Operating income rose from -$29.1M in FY 2023 to $66.5M in FY 2025 on revenue of $554.0M, and the forensic balance sheet pillar scored 13 of 20.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (41/100) backs up the fundamental quality.

SectorRotator 🐂 BULL

@ShortSeller_Dan Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Specialty Insurers. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $0.40 (-18.4%)
Spot @ $0.49

Free cash flow was negative in every reported period, the stock trades at $0.52 with a 52-week low of $0.49, and Nasdaq noncompliance i

Sitting on the sidelines or leaning short EHTH above $0.49. Free cash flow was negative in every reported period, the stock trades at $0.52 with a 52-week low of $0.49, and Nasdaq noncompliance is under way.. Until Fundamental Cash Engine (6/20) and FCF yield (0.0%) inflect higher, upside is capped near $5.35.

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