1.16 USD
-0.55 (-32.16%)
1.1603 USD
+0 (+0.03%)
Overall EBIX gets a fundamental rating of 4 out of 10. We evaluated EBIX against 281 industry peers in the Software industry. EBIX has a medium profitability rating, but doesn't score so well on its financial health evaluation. EBIX has a bad growth rate and is valued cheaply.
1. Profitability
1.1 Basic Checks
In the past year EBIX was profitable.
In the past year EBIX had a positive cash flow from operations.
In the past 5 years EBIX has always been profitable.
EBIX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EBIX's Return On Assets of 0.32% is fine compared to the rest of the industry. EBIX outperforms 71.94% of its industry peers.
With a decent Return On Equity value of 0.82%, EBIX is doing good in the industry, outperforming 73.74% of the companies in the same industry.
EBIX has a better Return On Invested Capital (13.72%) than 94.24% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EBIX is in line with the industry average of 12.03%.
The 3 year average ROIC (10.38%) for EBIX is below the current ROIC(13.72%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.32% | ||
| ROE | 0.82% | ||
| ROIC | 13.72% |
ROA(3y)4.81%
ROA(5y)5.26%
ROE(3y)11.98%
ROE(5y)14.6%
ROIC(3y)10.38%
ROIC(5y)10.3%
1.3 Margins
The Profit Margin of EBIX (0.68%) is better than 72.30% of its industry peers.
In the last couple of years the Profit Margin of EBIX has declined.
With an excellent Operating Margin value of 14.94%, EBIX belongs to the best of the industry, outperforming 86.69% of the companies in the same industry.
In the last couple of years the Operating Margin of EBIX has declined.
With a Gross Margin value of 47.00%, EBIX is not doing good in the industry: 69.06% of the companies in the same industry are doing better.
EBIX's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.94% | ||
| PM (TTM) | 0.68% | ||
| GM | 47% |
OM growth 3Y-24.69%
OM growth 5Y-18.1%
PM growth 3Y-28.25%
PM growth 5Y-25.95%
GM growth 3Y-21.49%
GM growth 5Y-13.45%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), EBIX is creating value.
EBIX has more shares outstanding than it did 1 year ago.
EBIX has a worse debt/assets ratio than last year.
2.2 Solvency
EBIX has an Altman-Z score of 1.06. This is a bad value and indicates that EBIX is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.06, EBIX is doing worse than 61.87% of the companies in the same industry.
The Debt to FCF ratio of EBIX is 30.67, which is on the high side as it means it would take EBIX, 30.67 years of fcf income to pay off all of its debts.
EBIX's Debt to FCF ratio of 30.67 is in line compared to the rest of the industry. EBIX outperforms 49.64% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that EBIX is not too dependend on debt financing.
EBIX has a Debt to Equity ratio of 0.03. This is in the better half of the industry: EBIX outperforms 61.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 30.67 | ||
| Altman-Z | 1.06 |
ROIC/WACC2.69
WACC5.1%
2.3 Liquidity
EBIX has a Current Ratio of 0.41. This is a bad value and indicates that EBIX is not financially healthy enough and could expect problems in meeting its short term obligations.
EBIX has a worse Current ratio (0.41) than 95.32% of its industry peers.
EBIX has a Quick Ratio of 0.41. This is a bad value and indicates that EBIX is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.41, EBIX is not doing good in the industry: 95.32% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 |
3. Growth
3.1 Past
The earnings per share for EBIX have decreased strongly by -92.74% in the last year.
The Earnings Per Share has been decreasing by -7.91% on average over the past years.
EBIX shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -30.72%.
EBIX shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.60% yearly.
EPS 1Y (TTM)-92.74%
EPS 3Y-14.5%
EPS 5Y-7.91%
EPS Q2Q%-155.93%
Revenue 1Y (TTM)-30.72%
Revenue growth 3Y21.84%
Revenue growth 5Y23.6%
Sales Q2Q%-53.78%
3.2 Future
EBIX is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -17.98% yearly.
Based on estimates for the next years, EBIX will show a very negative growth in Revenue. The Revenue will decrease by -31.80% on average per year.
EPS Next Y-87.37%
EPS Next 2Y-17.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-42.79%
Revenue Next 2Y-31.8%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 6.82, the valuation of EBIX can be described as very cheap.
Based on the Price/Earnings ratio, EBIX is valued cheaply inside the industry as 96.76% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of EBIX to the average of the S&P500 Index (26.11), we can say EBIX is valued rather cheaply.
With a Price/Forward Earnings ratio of 0.82, the valuation of EBIX can be described as very cheap.
100.00% of the companies in the same industry are more expensive than EBIX, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.21, EBIX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.82 | ||
| Fwd PE | 0.82 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EBIX is valued cheaply inside the industry as 97.84% of the companies are valued more expensively.
EBIX's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EBIX is cheaper than 99.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.74 | ||
| EV/EBITDA | 4.14 |
4.3 Compensation for Growth
The decent profitability rating of EBIX may justify a higher PE ratio.
EBIX's earnings are expected to decrease with -17.98% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-17.98%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for EBIX!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
1.16
-0.55 (-32.16%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners0.52%
Inst Owner Change0%
Ins Owners25.36%
Ins Owner Change0%
Market Cap35.84M
Revenue(TTM)735.60M
Net Income(TTM)5.00M
Analysts85.71
Price Target15.05 (1197.41%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.3
Dividend Growth(5Y)0.25%
DP46%
Div Incr Years0
Div Non Decr Years9
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-313.68%
Min EPS beat(2)-531.37%
Max EPS beat(2)-96%
EPS beat(4)0
Avg EPS beat(4)-178.32%
Min EPS beat(4)-531.37%
Max EPS beat(4)-32.69%
EPS beat(8)2
Avg EPS beat(8)-91.14%
EPS beat(12)3
Avg EPS beat(12)-65.24%
EPS beat(16)4
Avg EPS beat(16)-45.59%
Revenue beat(2)0
Avg Revenue beat(2)-15.05%
Min Revenue beat(2)-24.13%
Max Revenue beat(2)-5.97%
Revenue beat(4)0
Avg Revenue beat(4)-8.43%
Min Revenue beat(4)-24.13%
Max Revenue beat(4)-0.34%
Revenue beat(8)3
Avg Revenue beat(8)5.53%
Revenue beat(12)6
Avg Revenue beat(12)7.6%
Revenue beat(16)7
Avg Revenue beat(16)6.13%
PT rev (1m)0%
PT rev (3m)-33.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-50%
EPS NY rev (1m)0%
EPS NY rev (3m)-45.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.82 | ||
| Fwd PE | 0.82 | ||
| P/S | 0.05 | ||
| P/FCF | 1.74 | ||
| P/OCF | 1 | ||
| P/B | 0.06 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.14 |
EPS(TTM)0.17
EY14.66%
EPS(NY)1.41
Fwd EY121.78%
FCF(TTM)0.67
FCFY57.47%
OCF(TTM)1.16
OCFY100.16%
SpS23.81
BVpS19.78
TBVpS-11.2
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.32% | ||
| ROE | 0.82% | ||
| ROCE | 15.78% | ||
| ROIC | 13.72% | ||
| ROICexc | 15.67% | ||
| ROICexgc | N/A | ||
| OM | 14.94% | ||
| PM (TTM) | 0.68% | ||
| GM | 47% | ||
| FCFM | 2.8% |
ROA(3y)4.81%
ROA(5y)5.26%
ROE(3y)11.98%
ROE(5y)14.6%
ROIC(3y)10.38%
ROIC(5y)10.3%
ROICexc(3y)12%
ROICexc(5y)11.71%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)11.77%
ROCE(5y)11.72%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y20.04%
ROICexc growth 5Y10.36%
OM growth 3Y-24.69%
OM growth 5Y-18.1%
PM growth 3Y-28.25%
PM growth 5Y-25.95%
GM growth 3Y-21.49%
GM growth 5Y-13.45%
F-Score5
Asset Turnover0.47
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 30.67 | ||
| Debt/EBITDA | 0.12 | ||
| Cap/Depr | 70.18% | ||
| Cap/Sales | 2.08% | ||
| Interest Coverage | 1.86 | ||
| Cash Conversion | 27.26% | ||
| Profit Quality | 412% | ||
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 | ||
| Altman-Z | 1.06 |
F-Score5
WACC5.1%
ROIC/WACC2.69
Cap/Depr(3y)75.83%
Cap/Depr(5y)84.35%
Cap/Sales(3y)1.64%
Cap/Sales(5y)2.07%
Profit Quality(3y)89.22%
Profit Quality(5y)78.73%
High Growth Momentum
Growth
EPS 1Y (TTM)-92.74%
EPS 3Y-14.5%
EPS 5Y-7.91%
EPS Q2Q%-155.93%
EPS Next Y-87.37%
EPS Next 2Y-17.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-30.72%
Revenue growth 3Y21.84%
Revenue growth 5Y23.6%
Sales Q2Q%-53.78%
Revenue Next Year-42.79%
Revenue Next 2Y-31.8%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-10.65%
EBIT growth 3Y-8.24%
EBIT growth 5Y1.22%
EBIT Next Year21.62%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-62.55%
FCF growth 3Y5.41%
FCF growth 5Y-3.37%
OCF growth 1Y-47.51%
OCF growth 3Y8.47%
OCF growth 5Y0.21%
EBIX INC / EBIX FAQ
What is the ChartMill fundamental rating of EBIX INC (EBIX) stock?
ChartMill assigns a fundamental rating of 4 / 10 to EBIX.
What is the valuation status of EBIX INC (EBIX) stock?
ChartMill assigns a valuation rating of 8 / 10 to EBIX INC (EBIX). This can be considered as Undervalued.
What is the profitability of EBIX stock?
EBIX INC (EBIX) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for EBIX stock?
The Price/Earnings (PE) ratio for EBIX INC (EBIX) is 6.82 and the Price/Book (PB) ratio is 0.06.
How financially healthy is EBIX INC?
The financial health rating of EBIX INC (EBIX) is 2 / 10.