eHealth, Inc. (EHTH) vs LendingTree, Inc. (TREE)

eHealth, Inc. and LendingTree, Inc. are both Insurance Brokers companies. LendingTree, Inc. is the larger, with a market value of $392.3M against $15.8M — 24.9× the size. eHealth, Inc. has negative trailing earnings, so its P/E is not meaningful; LendingTree, Inc. trades at 2.1×. LendingTree, Inc. grew revenue faster over the last twelve months: 25.3% against −8.37%. LendingTree, Inc. has the higher net margin (14.3% vs −5.24%) and the higher return on invested capital (10.8% vs 5.83%). Across the 17 metrics below, LendingTree, Inc. leads on 10 and eHealth, Inc. on 7.

Valuation

Metric EHTH TREE Insurance Brokers median
P/E n/m 2.11 23.96
P/S 0.03 0.31 2.80
P/B 0.03 1.22 3.03
Price to free cash flow n/m 5.11 21.82
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (222.45%) 47.35% 2.88%
Free cash flow yield (295.26%) 19.57% 3.22%

Profitability

Metric EHTH TREE Insurance Brokers median
Gross margin 100.00% 96.41% 49.34%
Operating margin 10.84% 8.19% 15.10%
Net margin (5.24%) 14.32% 8.78%
Free cash flow margin (8.27%) 6.02% 6.02%
Return on equity (4.79%) 82.78% 0.00%
Return on assets (2.35%) 20.79% 2.51%
Return on invested capital 5.83% 10.82% 5.83%

Growth

Metric EHTH TREE Insurance Brokers median
Revenue growth (TTM) (8.37%) 25.29% 9.64%
EPS growth (last fiscal year) 71.43% 443.31% (8.67%)
Revenue growth, 5-year CAGR (1.01%) 4.19% 9.30%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric EHTH TREE Insurance Brokers median
Debt to equity 0.21 1.22 0.50
Current ratio 3.60 1.85 1.54
Net debt to EBITDA 0.45 3.51 1.20

Dividend

Metric EHTH TREE Insurance Brokers median
Dividend yield — — 1.19%
Payout ratio — — 0.35

Size

Metric EHTH TREE Insurance Brokers median
Market cap 15.76m 392.27m 2.83b

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