AMALY — SHARIAH COMPLIANCE REPORT
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Symbol: EHTH
Report Date: 2026-04-07
Full Report: https://amaly.io/stock/EHTH

EXECUTIVE SUMMARY
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Compliance Status: NON_COMPLIANT
Quality Rating: B
Description: eHealth, Inc. (EHTH), a health insurance technology company, faces significant Shariah compliance challenges primarily due to high debt and liquidity ratios that exceed thresholds across major standards. While income ratios meet requirements, the conventional insurance brokerage model raises business activity concerns under stricter interpretations. The company is excluded from all major Shariah indices, leading to a non-compliant overall status. ESG factors are positive with low risk, but financial metrics dominate the assessment. Investors should monitor debt reduction efforts and consider Takaful alternatives.

Primary Compliance Concerns:
- High debt ratio of 57.09% exceeding all thresholds (AAOIFI 30%, MSCI/SP 33%)
- Excessive liquidity ratio of 93.17% surpassing limits across standards
- Conventional insurance brokerage potentially involving gharar and riba

Purification Requirement: 1.4%
Index Inclusion: Excluded from S&P Dow Jones Shariah, MSCI Islamic, FTSE Shariah, and DJIM indices

KEY FINANCIAL METRICS
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Debt Ratio: 57.1%
Liquidity Ratio: 93.2%
Interest Income Ratio: 1.4%
Purification Required: 1.40%

INDEX INCLUSION STATUS
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S&P Shariah: EXCLUDED
MSCI Islamic: EXCLUDED
DJIM: EXCLUDED
FTSE Shariah: EXCLUDED
Total: 0 of 4
Last Verified: 2025-11-30

REPORTING PERIOD
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Latest Annual Report: FY 2025
Latest Quarterly Data: Q4 2025
Trend Period: FY 2020 to FY 2025
Data Retrieved: 2026-02-27T12:00:00Z

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Full interactive report: https://amaly.io/stock/EHTH
Provided by Amaly (https://amaly.io) — Shariah Compliant Stock Screener
Disclaimer: This data is for informational purposes only and does not constitute financial or religious advice.