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%)
EBIX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 285 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 cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year EBIX was profitable.
EBIX had a positive operating cash flow in the past year.
EBIX had positive earnings in each of the past 5 years.
EBIX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of EBIX (0.32%) is better than 71.94% of its industry peers.
EBIX has a better Return On Equity (0.82%) than 73.74% of its industry peers.
EBIX has a Return On Invested Capital of 13.72%. This is amongst the best in the industry. EBIX outperforms 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 11.88%.
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
EBIX has a Profit Margin of 0.68%. This is in the better half of the industry: EBIX outperforms 72.30% of its industry peers.
EBIX's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 14.94%, EBIX belongs to the top 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.
EBIX has a Gross Margin of 47.00%. This is in the lower half of the industry: EBIX underperforms 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.
EBIX has more shares outstanding than it did 1 year ago.
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.
EBIX has a worse Altman-Z score (1.06) than 61.87% of its industry peers.
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 has a Debt to FCF ratio (30.67) which is in line with 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.
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.
Looking at the Current ratio, with a value of 0.41, EBIX is doing worse than 95.32% of the companies in the same industry.
A Quick Ratio of 0.41 indicates that EBIX may have some problems paying 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
EBIX shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -92.74%.
EBIX shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.91% yearly.
EBIX shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -30.72%.
The Revenue has been growing by 23.60% on average over the past years. This is a very strong growth!
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
The Earnings Per Share is expected to decrease by -17.98% on average over the next years. This is quite bad
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
EBIX is valuated cheaply with a Price/Earnings ratio of 6.82.
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 27.08, EBIX is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 0.82, the valuation of EBIX can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EBIX indicates a rather cheap valuation: EBIX is cheaper than 100.00% of the companies listed in the same industry.
EBIX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.09.
| 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.
Based on the Price/Free Cash Flow ratio, EBIX is valued 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.