EBIX INC (EBIX) Stock Fundamental Analysis
USA - NASDAQ:EBIX - US2787152063 - Common Stock
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. There are concerns on the financial health of EBIX while its profitability can be described as average. EBIX is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year EBIX was profitable.
EBIX had a positive operating cash flow in the past year.
In the past 5 years EBIX has always been profitable.
Each year in the past 5 years EBIX had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 0.32%, EBIX is doing good in the industry, outperforming 71.94% of the companies in the same industry.
EBIX has a better Return On Equity (0.82%) than 73.74% of its industry peers.
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 12.08%.
The last Return On Invested Capital (13.72%) for EBIX is above the 3 year average (10.38%), which is a sign of increasing profitability.
| 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.
EBIX's Operating Margin has declined in the last couple of years.
EBIX has a worse Gross Margin (47.00%) than 69.06% of its industry peers.
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
EBIX has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, EBIX has more shares outstanding
Compared to 1 year ago, EBIX has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.06, we must say that EBIX is in the distress zone and 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.
EBIX has a debt to FCF ratio of 30.67. This is a negative value and a sign of low solvency as EBIX would need 30.67 years to pay back of all of its debts.
The Debt to FCF ratio of EBIX (30.67) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.03 indicates that EBIX is not too dependend on debt financing.
EBIX's Debt to Equity ratio of 0.03 is fine compared to the rest 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
A Current Ratio of 0.41 indicates that EBIX may have some problems paying its short term obligations.
The Current ratio of EBIX (0.41) is worse 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.
EBIX has a worse Quick ratio (0.41) than 95.32% of its industry peers.
| 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.
Measured over the past years, EBIX shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.91% on average per year.
EBIX shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -30.72%.
Measured over the past years, EBIX shows a very strong growth in Revenue. The Revenue has been growing by 23.60% on average per year.
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
The Price/Earnings ratio is 6.82, which indicates a rather cheap valuation of EBIX.
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 (25.56), we can say EBIX is valued rather cheaply.
EBIX is valuated cheaply with a Price/Forward Earnings ratio of 0.82.
Based on the Price/Forward Earnings ratio, EBIX is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.62, 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 cheaper than 97.84% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EBIX indicates a rather cheap valuation: EBIX is cheaper than 99.64% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.74 | ||
| EV/EBITDA | 4.14 |
4.3 Compensation for Growth
EBIX has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as EBIX's earnings are expected to decrease with -17.98% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-17.98%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EBIX does not give a dividend.
| 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.