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eHealth cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$11.3M in Q3 2026 · −$17.2M over twelve months

Operating cash flow−$11.2M
Capital spending−$30K
Free cash flow−$11.3M

Analysis

In Q3 2026, eHealth generated −$11.2M of operating cash flow and spent $30K on capital projects, leaving free cash flow of −$11.3M. That is $14.3M more than in Q3 2025 (−$25.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was −$16.4M; the largest uses were other investing ($26.4M), operating cash flow ($16.4M), capital spending ($816K); besides operations, cash came from other financing ($36.6M), shares issued ($317K); the cash balance fell by $6.2M.

Operating cash flow was −$11.2M against net income of −$35.9M. The largest differences: deferred taxes −$14.0M, prepaid and other assets −$8.2M, depreciation & amortization +$3.4M.

Free cash flow

eHealth: free cash flow by quartereHealth: free cash flow by quarter−$28.3MQ4 2024$76.8MQ1 2025−$42.8MQ2 2025−$25.5MQ3 2025−$36.1MQ4 2025$35.6MQ1 2026−$5.4MQ2 2026−$11.3MQ3 2026
Operating cash flow less capital spending.
eHealth: operating cash flow against capital spendingeHealth: operating cash flow against capital spendingOperating cash flowCapital spending−$27.7M$631KQ4 2024$77.1M$308KQ1 2025−$41.2M$1.6MQ2 2025−$25.3M$214KQ3 2025−$35.9M$143KQ4 2025$35.8M$155KQ1 2026−$5.0M$488KQ2 2026−$11.2M$30KQ3 2026
Latest (Q3 2026): Operating cash flow −$11.2M, Capital spending $30K.

Capital allocation, year by year

eHealth: where the cash came from (up) and went (down), by fiscal yeareHealth: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingFY2021: Operating cash flow −$163MFY2021: Net borrowing −$150KFY2021: Shares issued $8.7MFY2021: Capital spending −$3.9M$8.7MFY2021FY2022: Operating cash flow −$26.9MFY2022: Net borrowing $64.7MFY2022: Shares issued $2.2MFY2022: Capital spending −$214K$66.9MFY2022FY2023: Operating cash flow −$6.7MFY2023: Net borrowing −$38KFY2023: Shares issued $677KFY2023: Capital spending −$2.1M$677KFY2023FY2024: Operating cash flow −$18.4MFY2024: Net borrowing −$4KFY2024: Shares issued $354KFY2024: Capital spending −$2.1M$354KFY2024FY2025: Operating cash flow −$25.3MFY2025: Net borrowing $51.5MFY2025: Shares issued $404KFY2025: Capital spending −$2.2M$51.9MFY2025
Over these 5 years operating cash flow totalled −$240M; the largest uses were operating cash flow ($240M) and capital spending ($10.5M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$88.1M
Debt$115M
Net debt$27.4M
Cash runway5.1 years

eHealth is burning cash: its operations consume cash, a free cash flow of −$17.2M a year at the current rate against $88.1M of cash and investments: a runway of about 5.1 years before any new financing.

Where the cash came from and went

eHealth: sources (+) and uses (−) of cash, Q3 2026eHealth: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$12.4MOperating cash flow−$11.2MOther investing−$1.2MExchange rates$115KOther financing−$47KCapital spending−$30K
eHealth: sources (+) and uses (−) of cash, TTM to Q3 2026eHealth: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$36.6MOther investing−$26.4MOperating cash flow−$16.4MCash drawn (+) / kept (−)$6.2MCapital spending−$816KExchange rates$518KShares issued$317K

From profit to cash

eHealth: net income to operating cash flow, Q3 2026eHealth: net income to operating cash flow, Q3 2026Net income−$35.9MDepreciation & amortization$3.4MStock-based pay$3.1MDeferred taxes−$14.0MOther non-cash$568KReceivables−$223KPayables$1.4MAccrued liabilities$246KEmployee-related liabilities$1.3MDeferred revenue$54KPrepaid and other assets−$8.2MOperating cash flow−$11.2M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026−$11.2M−$30K—$12.4M−$11.3M
Q2 2026−$5.0M−$488K—$5.9M−$5.4M
Q1 2026$35.8M−$155K—−$1.4M$35.6M
Q4 2025−$35.9M−$143K$215K−$10.6M−$36.1M
Q3 2025−$25.3M−$214K—$2.8M−$25.5M
Q2 2025−$41.2M−$1.6M—$55.2M−$42.8M
Q1 2025$77.1M−$308K—−$81.9M$76.8M
Q4 2024−$27.7M−$631K—$24.8M−$28.3M

eHealth: income statement and cash flow

eHealth, Q3 2026: revenue $21.3M (-60% year over year), operating margin -217.8%. The chart follows the revenue to costs, profit and cash.

eHealth: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.