eHealth, Inc. (EHTH) Fair Value 2026

EHTH · Insurance Agents, Brokers & Service ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.4 /10

32 fundamental signals · 8 models active

Value Trap Risk

LOW (36/100)

Quick Summary — As of 2026-07-15, eHealth, Inc. (EHTH) trades at $1.53. QOC: 6.4/10. Value Trap Risk: 36/100 (LOW). 8/13 models active.

Key Facts

Ticker
EHTH
Price
$1.53
Quality Score
6.4/10
Value Trap Risk
36/100
Models Active
8/13
Last Updated
Strength: Dynamic NAV suggests +262.5% upside with 53% confidence
Risk: Limited model coverage (8/13) may reduce confidence

Is eHealth, Inc. (EHTH) Undervalued or Overvalued in 2026?

According to CirclFi’s 8-model valuation engine, eHealth, Inc. (EHTH) appears undervalued as of : the median of 8 independent fair value estimates is $3.78, 147.0% above the current price of $1.53. Estimates range from $0.37 to $5.55. EHTH scores 6.4/10 on fundamental quality and 36/100 on value-trap risk.

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy eHealth, Inc. Stock in 2026? →

Valuation Matrix

8 Intrinsic Value Models vs. Current Price ($1.53)

Core Models (Unlocked)
Model Fair Value Upside
Earnings Power Value
High Conviction
 $0.76 -50.2%
CUCE Ensemble
Low Conviction
 $4.50 +194.3%
First Chicago
Medium Conviction
 $5.36 +250.1%
Dynamic NAV
High Conviction
 $5.55 +262.5%

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What Is eHealth, Inc. (EHTH) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, our multi-model framework produces a cautiously optimistic read on eHealth, Inc. at $1.53. With an estimated intrinsic value of $3.10 and 5 of 8 models pointing higher, the average implied return is +102.5%. The most optimistic model, Dynamic NAV, places fair value at $5.55 (+262.5%), while Regime Cross — the most conservative — estimates $0.37 (-75.6%). This +338.0% gap reflects genuine analytical uncertainty about eHealth, Inc.'s intrinsic worth.

What Do the Models Say About EHTH?

8 of 13 models are currently active for EHTH. Of these, 5 models suggest upside while 3 models suggest overvaluation. See which stocks rank higher →

How Does EHTH Rank in Insurance Agents, Brokers & Service?

Among 24 Insurance Agents, Brokers & Service stocks, EHTH ranks #19 by Quality of Company score. CirclFi's QOC score of 6.4/10 evaluates 32 fundamental signals. A score of 6.4 indicates above-average quality.

As a insurance industry, eHealth, Inc. operates in a sector where policy retention rate is a critical driver of valuation. Investors evaluating EHTH should weigh these sector-specific dynamics alongside our model-derived fair values.

Is EHTH a Value Trap?

CirclFi's Value Trap algorithm assigns EHTH a score of 36/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

8 of 13 models are active for eHealth, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, eHealth, Inc.'s fundamental quality profile registers 6.4/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +338.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every EHTH valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across EHTH's 8 active models, average confidence is 37%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy eHealth, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance Agents, Brokers & Service Stocks Should You Also Analyze?

8 related Insurance Agents, Brokers & Service stocks with 13-model coverage

CRVLCorVel Corp.QOC 9.9HGTYHagerty, Inc.QOC 9.8ERIEErie Indemnity CompanyQOC 9.7MRSHMarshQOC 9.3BROBrown & Brown, Inc.QOC 9.3GSHDGoosehead Insurance, Inc.QOC 8.8WDHWaterdrop Inc.QOC 8.7EQHEquitable Holdings, Inc.QOC 8.4

Read investment analysis: CRVL · HGTY · ERIE · MRSH · BRO

Frequently Asked Questions About eHealth, Inc.

What is eHealth, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, eHealth, Inc. (EHTH) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value. The Quality of Company score is 6.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is EHTH overvalued or undervalued right now?

At $1.53, 5 of 8 active models suggest EHTH may be undervalued, while 3 indicate potential overvaluation. The median of all 8 fair value estimates is $3.78, 147.0% above the current price of $1.53 — a consensus view that EHTH is undervalued. The assessment depends on which methodology best fits eHealth, Inc.'s business model in Insurance Agents, Brokers & Service.

What does a Quality of Company score of 6.4 mean for EHTH?

eHealth, Inc.'s QOC of 6.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on EHTH?

CirclFi analyzes EHTH with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 8 of 13 are active for this stock. Read the full methodology →

Is EHTH a value trap in 2026?

eHealth, Inc.'s Value Trap score is 36/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 8-model valuation engine, eHealth, Inc. (EHTH) has a median fair value of $3.78 — 147.0% above the current price of $1.53 — as of 2026-07-15.” Source: circlfi.com/stock/EHTH/ · Methodology

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