1.16 USD
-0.55 (-32.16%)
1.1603 USD
+0 (+0.03%)
Taking everything into account, EBIX scores 3 out of 10 in our fundamental rating. EBIX was compared to 276 industry peers in the Software industry. While EBIX is still in line with the averages on profitability rating, there are concerns on its financial health. EBIX has a bad growth rate and is valued cheaply.
1. Profitability
1.1 Basic Checks
In the past year EBIX was profitable.
EBIX had a positive operating cash flow in the past year.
1.2 Ratios
EBIX has a better Return On Assets (0.32%) than 71.94% of its industry peers.
EBIX has a Return On Equity of 0.82%. This is in the better half of the industry: EBIX outperforms 73.74% of its industry peers.
The Return On Invested Capital of EBIX (13.72%) is better than 94.24% of its industry peers.
EBIX had an Average Return On Invested Capital over the past 3 years of 10.38%. This is in line with the industry average of 10.78%.
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.
The Operating Margin of EBIX (14.94%) is better than 86.69% of its industry peers.
In the last couple of years the Operating Margin of EBIX has declined.
Looking at the Gross Margin, with a value of 47.00%, EBIX is doing worse than 69.06% of the companies in the same industry.
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so EBIX 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
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.
With a Altman-Z score value of 1.06, EBIX is not doing good in the industry: 61.87% of the companies in the same industry are doing better.
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.
EBIX has a Debt to FCF ratio of 30.67. This is comparable 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
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.
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.
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.
Looking at the Quick ratio, with a value of 0.41, EBIX is doing worse than 95.32% of the companies in the same industry.
| 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%.
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.
Looking at the last year, EBIX shows a very negative growth in Revenue. The Revenue has decreased by -30.72% in the last year.
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
Based on estimates for the next years, EBIX will show a very negative growth in Earnings Per Share. The EPS will decrease by -17.98% on average per year.
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.
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.
Compared to the rest of the industry, the Price/Earnings ratio of EBIX indicates a rather cheap valuation: EBIX is cheaper than 96.76% of the companies listed in the same industry.
EBIX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.00.
With a 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.
The average S&P500 Price/Forward Earnings ratio is at 23.70. EBIX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.82 | ||
| Fwd PE | 0.82 |
4.2 Price Multiples
97.84% of the companies in the same industry are more expensive than EBIX, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, EBIX is valued cheaply inside the industry as 99.64% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.74 | ||
| EV/EBITDA | 4.14 |
4.3 Compensation for Growth
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 fundamental rating for EBIX stock?
ChartMill assigns a fundamental rating of 4 / 10 to EBIX.
Can you provide the valuation status for EBIX INC?
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 expected EPS growth for EBIX stock?
The Earnings per Share (EPS) of EBIX INC (EBIX) is expected to decline by -87.37% in the next year.
How sustainable is the dividend of EBIX INC (EBIX) stock?
The dividend rating of EBIX INC (EBIX) is 0 / 10 and the dividend payout ratio is 46%.