eHealth, Inc. (EHTH) vs XChange TEC.INC. Sponsored ADR (XHG)

eHealth, Inc. and XChange TEC.INC. Sponsored ADR are both Insurance Brokers companies. XChange TEC.INC. Sponsored ADR is the larger, with a market value of $102.1M against $26.3M — 3.9× the size. eHealth, Inc. grew revenue faster over the last twelve months: −8.37% against −38.9%. XChange TEC.INC. Sponsored ADR has the higher net margin (37.7% vs −5.24%) and the lower return on invested capital (0.00% vs 5.83%). Across the 17 metrics below, XChange TEC.INC. Sponsored ADR leads on 9 and eHealth, Inc. on 8.

Valuation

Metric EHTH XHG Insurance Brokers median
P/E n/m n/m 25.35
P/S 0.05 0.00 2.10
P/B 0.04 n/m 2.81
Price to free cash flow n/m n/m 18.44
EV/EBITDA 2.01 n/m 12.36
EV/Sales 0.27 0.16 3.00
Earnings yield (143.42%) (12,104.26%) 2.64%
Free cash flow yield (190.37%) (4,937.83%) 2.30%

Profitability

Metric EHTH XHG Insurance Brokers median
Gross margin 100.00% 0.00% 42.95%
Operating margin 10.84% 0.00% 15.37%
Net margin (5.24%) 37.67% 8.77%
Free cash flow margin (8.27%) 0.00% 3.89%
Return on equity (4.79%) 0.00% 0.00%
Return on assets (2.35%) 0.00% 2.23%
Return on invested capital 5.83% 0.00% 5.27%

Growth

Metric EHTH XHG Insurance Brokers median
Revenue growth (TTM) (8.37%) (38.89%) 7.09%
EPS growth (last fiscal year) 71.43% 98.64% —
Revenue growth, 5-year CAGR (1.01%) (21.54%) 9.30%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric EHTH XHG Insurance Brokers median
Debt to equity 0.21 (0.04) 0.19
Current ratio 3.60 0.04 1.55
Net debt to EBITDA 0.45 (0.03) 0.89

Dividend

Metric EHTH XHG Insurance Brokers median
Dividend yield — — 1.36%
Payout ratio 0.00 0.00 0.00

Size

Metric EHTH XHG Insurance Brokers median
Market cap 26.25m 102.05m 1.44b

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