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Market Price

30.80 

-0.26 -0.8%

as of Apr 09 '21

52 Week Range:

15.56 64.14


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Ebix, Inc. provides on-demand software and e-commerce services and solutions to insurance, financial, healthcare, and e-learning industries in the United States and internationally. It develops and deploys insurance and reinsurance exchanges; provides Software-as-a-Service (SaaS) enterprise solutions in the area of customer relationship management, and front-end and back-end systems; and offers outsourced administrative and risk compliance solutions. The company operates P&C exchanges primarily in Australia, New Zealand, the United Kingdom, and the United States, which facilitates the exchange of insurance data between brokers and insurance carriers with a focus on the areas of personal and commercial lines. Its exchange related products and services include travel exchanges and money transfer services; foreign exchange and outward remittance services; consumer bill payment services; gift cards for consumers that can be redeemed at various merchants; and technology services for various providers in the areas of lending, wealth and asset management, travel, and logistics. The company's insurance exchanges related products and services include SaaS platform and related services; licensing of software; and professional services comprising setting up, customization, training, or consulting. Its risk compliance solutions cover and certificates of insurance creation and tracking; consulting services comprising project management and development; and business process outsourcing services, including domain intensive project management, time, and material based consulting engagements. Ebix, Inc. has a strategic agreement with Data Glove Technologies. The company was formerly known as Delphi Systems, Inc. and changed its name to Ebix, Inc. in December 2003. Ebix, Inc. was founded in 1976 and is headquartered in Johns Creek, Georgia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 4.96
6.42
8.39
9.76
10.53
12.06
11.98
13.36
14.64
16.22
17.52
growth rate 29.4% 30.7% 16.3% 7.9% 14.5% -0.7% 11.5% 9.6% 10.8% 8.0%
Earnings BIT 39.83
59.65
73.50
78.03
70.15
69.44
87.18
98.94
113.22
151.59
139.13
growth rate 49.8% 23.2% 6.2% -10.1% -1.0% 25.6% 13.5% 14.4% 33.9% -8.2%
Avg.PE 15.95
15.65
12.66
8.93
9.59
18.08
17.72
23.46
27.46
18.32
12.70
growth rate -1.9% -19.1% -29.5% 7.4% 88.5% -2.0% 32.4% 17.1% -33.3% -30.7%
ROA 19.25
20.87
19.98
15.21
11.07
10.70
12.14
12.68
10.50
6.84
6.04
growth rate 8.4% -4.3% -23.9% -27.2% -3.3% 13.5% 4.5% -17.2% -34.9% -11.7%
ROE 32.23
29.36
26.08
20.81
15.29
15.04
18.91
22.46
21.91
19.21
18.81
growth rate -8.9% -11.2% -20.2% -26.5% -1.6% 25.7% 18.8% -2.5% -12.3% -2.1%
ROIC 22.89
24.21
22.72
17.74
13.10
12.88
14.23
15.10
14.03
10.68
10.95
growth rate 5.8% -6.2% -21.9% -26.2% -1.7% 10.5% 6.1% -7.1% -23.9% 2.5%
Cur. Ratio 0.62
1.56
1.28
1.44
1.53
1.49
2.28
2.34
1.72
1.35
1.55
growth rate 151.6% -18.0% 12.5% 6.3% -2.6% 53.0% 2.6% -26.5% -21.5% 14.8%
Quick Ratio 0.58
1.43
1.13
1.35
1.47
1.37
2.11
2.02
1.44
1.17
1.15
growth rate 146.6% -21.0% 19.5% 8.9% -6.8% 54.0% -4.3% -28.7% -18.8% -1.7%
Leverage 1.54
1.31
1.30
1.43
1.34
1.47
1.65
1.88
2.26
3.37
2.89
growth rate -14.9% -0.8% 10.0% -6.3% 9.7% 12.2% 13.9% 20.2% 49.1% -14.2%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 22.90
26.00
34.11
39.13
39.33
42.37
48.19
63.46
121.58
200.17
191.43
growth rate 13.5% 31.2% 14.7% 0.5% 7.8% 13.7% 31.7% 91.6% 64.6% -4.4%
Acct.Payable 16.16
20.93
24.30
11.88
5.80
16.61
69.10
84.92
74.97
growth rate 29.5% 16.1% -51.1% -51.2% 186.3% 316.1% 22.9% -11.7%
Cur.Assets 46.50
60.80
63.82
81.67
102.35
101.75
116.83
207.05
252.93
427.38
363.93
growth rate 30.8% 5.0% 28.0% 25.3% -0.6% 14.8% 77.2% 22.2% 69.0% -14.9%
Total Assets 262.20
303.30
411.18
516.95
545.44
634.31
675.99
803.76
1,113.01
1,610.95
1,591.62
growth rate 15.7% 35.6% 25.7% 5.5% 16.3% 6.6% 18.9% 38.5% 44.7% -1.2%
Cash 19.20
23.40
23.70
36.45
56.67
52.30
57.18
114.12
63.90
137.86
73.23
growth rate 21.9% 1.3% 53.8% 55.5% -7.7% 9.3% 99.6% -44.0% 115.8% -46.9%
Inventory 0.00 0.00 0.00
growth rate
Cur.Liabilities 75.10
39.10
49.78
56.69
66.68
69.79
51.27
89.71
146.93
317.43
234.89
growth rate -47.9% 27.3% 13.9% 17.6% 4.7% -26.5% 75.0% 63.8% 116.0% -26.0%
Liabilities 91.40
72.00
95.07
149.79
127.22
202.09
267.02
365.12
579.25
1,066.51
992.17
growth rate -21.2% 32.0% 57.6% -15.1% 58.9% 32.1% 36.7% 58.7% 84.1% -7.0%
LT Debt 0.70
25.20
40.22
70.62
42.96
121.06
206.47
259.85
385.51
699.02
692.03
growth rate 3,500.0% 59.6% 75.6% -39.2% 181.8% 70.6% 25.9% 48.4% 81.3% -1.0%
Equity 170.70
231.30
316.12
362.16
413.23
432.22
408.97
426.90
491.51
478.20
550.11
growth rate 35.5% 36.7% 14.6% 14.1% 4.6% -5.4% 4.4% 15.1% -2.7% 15.0%
Common Shares 38.00
39.00
41.00
39.00
39.00
38.00
35.00
33.00
32.00
32.00
31.00
growth rate 2.6% 5.1% -4.9% 0.0% -2.6% -7.9% -5.7% -3.0% 0.0% -3.1%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 3.13
1.75
2.83
1.97
1.23
16.28
13.99
7.62
7.39
8.03
4.91
growth rate -44.1% 61.7% -30.5% -37.4% 1,223.3% -14.0% -45.6% -3.1% 8.8% -38.9%
Cash Dividends 0.00
0.00
1.46
7.03
2.79
11.41
10.47
9.83
9.55
9.32
9.19
growth rate 381.5% -60.3% 308.2% -8.2% -6.1% -2.9% -2.4% -1.3%
Cash From OA 33.90
51.80
70.64
72.30
57.06
58.51
48.69
86.57
76.81
87.29
60.79
growth rate 52.8% 36.4% 2.3% -21.1% 2.5% -16.8% 77.8% -11.3% 13.6% -30.4%
FCF per Share 0.81
1.31
1.69
1.80
1.41
1.08
0.92
1.98
2.12
2.83
2.53
growth rate 61.7% 29.0% 6.5% -21.7% -23.4% -14.8% 115.2% 7.1% 33.5% -10.6%
Sale Purchase of Stock -63.61
-18.35
-2.01
0.79
2.21
0.82
-46.08
growth rate 0.0% 0.0% 100.0% 180.3% -62.7% -100.0%
FCF 31.00
51.00
68.00
70.00
56.00
42.00
31.00
74.00
67.00
74.00
48.00
growth rate 64.5% 33.3% 2.9% -20.0% -25.0% -26.2% 138.7% -9.5% 10.5% -35.1%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 97.70
132.20
168.97
199.37
204.71
214.32
265.48
298.29
363.97
497.83
580.62
growth rate 35.3% 27.8% 18.0% 2.7% 4.7% 23.9% 12.4% 22.0% 36.8% 16.6%
Op.Income 39.30
52.50
71.38
70.57
59.27
69.44
87.18
98.94
113.22
151.59
139.13
growth rate 33.6% 36.0% -1.1% -16.0% 17.1% 25.6% 13.5% 14.4% 33.9% -8.2%
IBT 39.80
59.70
73.50
78.03
70.15
77.45
86.64
95.93
103.36
125.58
90.79
growth rate 50.0% 23.1% 6.2% -10.1% 10.4% 11.9% 10.7% 7.7% 21.5% -27.7%
Net Income 38.80
59.00
71.38
70.57
59.27
63.56
79.53
93.85
100.62
93.14
96.72
growth rate 52.1% 21.0% -1.1% -16.0% 7.2% 25.1% 18.0% 7.2% -7.4% 3.8%
EPS 1.03
1.51
1.75
1.80
1.53
1.67
2.28
2.86
3.17
2.95
3.16
growth rate 46.6% 15.9% 2.9% -15.0% 9.2% 36.5% 25.4% 10.8% -6.9% 7.1%
Gross Profit 76.40
102.60
135.38
161.24
164.24
166.93
193.05
213.17
234.48
329.41
375.45
growth rate 34.3% 32.0% 19.1% 1.9% 1.6% 15.6% 10.4% 10.0% 40.5% 14.0%
R&D 11.40
13.60
19.21
24.83
26.80
26.86
30.70
32.98
33.85
39.08
45.30
growth rate 19.3% 41.2% 29.2% 8.0% 0.2% 14.3% 7.4% 2.7% 15.4% 15.9%

Quarterly Statements

Item Name Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Earnings BIT 26.01
34.83
34.31
28.54
31.90
growth rate 33.9% -1.5% -16.8% 11.8%
Balance Sheet Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Acct.Receivable 177.34
191.43
162.68
155.97
164.46
growth rate 8.0% -15.0% -4.1% 5.4%
Acct.Payable 117.52
74.97
70.10
69.90
68.94
growth rate -36.2% -6.5% -0.3% -1.4%
Cur.Assets 380.49
363.93
319.12
327.93
346.97
growth rate -4.4% -12.3% 2.8% 5.8%
Total Assets 1,605.34
1,591.62
1,503.61
1,515.98
1,550.55
growth rate -0.9% -5.5% 0.8% 2.3%
Cash 124.24
73.23
61.85
77.32
88.02
growth rate -41.1% -15.5% 25.0% 13.9%
Inventory
growth rate
Cur.Liabilities 253.83
234.89
187.16
197.99
198.41
growth rate -7.5% -20.3% 5.8% 0.2%
Liabilities 1,022.02
992.17
931.89
926.45
919.98
growth rate -2.9% -6.1% -0.6% -0.7%
LT Debt 697.52
692.03
686.51
682.08
676.66
growth rate -0.8% -0.8% -0.7% -0.8%
Equity 534.17
550.11
522.66
540.68
582.43
growth rate 3.0% -5.0% 3.5% 7.7%
Common Shares 30.49
3.05
3.05
3.05
3.05
growth rate -90.0% 0.0% 0.1% 0.1%
Cash Flow Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Capital Expenditures 2.69
-0.96
0.56
0.20
0.71
growth rate -100.0% 100.0% -64.1% 253.5%
Cash Dividends -2.30
2.30
2.30
2.30
2.32
growth rate 100.0% 0.3% 0.1% 0.6%
Cash From OA 65.88
-18.25
29.58
28.82
13.37
growth rate -100.0% 100.0% -2.6% -53.6%
Sale Purchase of Stock
growth rate
FCF 63.20
-19.21
29.02
28.62
12.66
growth rate -100.0% 100.0% -1.4% -55.8%
Income Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Sales 147.23
146.18
137.88
111.31
154.31
growth rate -0.7% -5.7% -19.3% 38.6%
Op.Income 26.01
34.83
34.31
28.54
31.90
growth rate 33.9% -1.5% -16.8% 11.8%
IBT 20.29
22.64
25.73
24.94
23.83
growth rate 11.6% 13.7% -3.1% -4.5%
Net Income 20.51
21.65
24.72
23.48
24.68
growth rate 5.6% 14.2% -5.1% 5.1%
EPS
growth rate
Gross Profit 92.06
93.07
80.42
62.22
68.33
growth rate 1.1% -13.6% -22.6% 9.8%
R&D 11.25
11.42
9.42
8.34
8.78
growth rate 1.5% -17.5% -11.5% 5.2%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (48.91)

YOY Growth Grade:

C (50.26)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.37 10.00 8.00
EPS / Growth 19.3% 3.08 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.3% 12.5% 12.5%
Future PE 8.00 14.47 14.47
Future EPS 6.84 10.02 10.02
Value Price
MOS %
13.52
-56.1%
35.84
16.4%
35.84
16.4%
MOS Price 6.76 17.92 17.92
IRT 7.13 6.33 6.33

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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