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%)
Taking everything into account, EBIX scores 4 out of 10 in our fundamental rating. EBIX was compared to 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 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.
In the past 5 years EBIX always reported a positive cash flow from operatings.
1.2 Ratios
EBIX has a Return On Assets of 0.32%. This is in the better half of the industry: EBIX outperforms 71.94% of its industry peers.
The Return On Equity of EBIX (0.82%) is better than 73.74% of its industry peers.
The Return On Invested Capital of EBIX (13.72%) is better 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 11.82%.
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.
EBIX's Profit Margin has declined in the last couple of years.
The Operating Margin of EBIX (14.94%) is better than 86.69% of its industry peers.
EBIX's Operating Margin has declined in the last couple of years.
The Gross Margin of EBIX (47.00%) is worse than 69.06% of its industry peers.
In the last couple of years the Gross Margin of EBIX has declined.
| 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.
The number of shares outstanding for EBIX has been increased compared to 1 year ago.
Compared to 1 year ago, EBIX has a worse debt to assets ratio.
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.
EBIX has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.03, EBIX is doing good in the industry, outperforming 61.15% of the companies in the same industry.
| 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.
EBIX has a worse Current ratio (0.41) than 95.32% of its industry peers.
A Quick Ratio of 0.41 indicates that EBIX may have some problems paying its short term obligations.
EBIX has a Quick ratio of 0.41. This is amonst the worse of the industry: EBIX underperforms 95.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 |
3. Growth
3.1 Past
EBIX shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -92.74%.
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.
The Revenue is expected to decrease by -31.80% on average over the next years. This is quite bad
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
96.76% of the companies in the same industry are more expensive than EBIX, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.28, EBIX is valued rather cheaply.
The Price/Forward Earnings ratio is 0.82, which indicates a rather cheap valuation of EBIX.
Based on the Price/Forward Earnings ratio, EBIX is valued cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of EBIX to the average of the S&P500 Index (33.61), we can say 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.
99.64% of the companies in the same industry are more expensive than EBIX, based on the Price/Free Cash Flow ratio.
| 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.
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
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.