EBIX INC. DL-,10
stock DE:EWZ (FRANKFURT)

Alternative ID: US2787152063 765778

Watch List

  • Exchange: FRANKFURT
  • Sector: Technology
  • Industry: Software—Application
  • Market Cap: Small (629.24M)
  • Data in EUR
  • EPS: 2.24
  • Current PE: 11.78
  • BVPS: 18.54
  • Price/BVPS: 1.42
  • Dividend: 0.30 / 1.7%
  • Hist Grade: D (36.39)
  • YOY Grade: D (40.22)
  • Debt/FCF: 11.14
  • ROIC: 12.5%
  • PEG: 1.18
  • PEGY: 1.01
  • Value Price: 13.28
  • MOS Price: 6.64
  • MOS %: -49.4%
  • Graham Number: 30.57
  • Graham MOS %: 16.5%
  • IRT: 7.06

Market Price

26.25 

0.06 0.2%

as of Mar 21 '23

52 Week Range:

13.53 34.04

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

  • Exchange: FRANKFURT
  • Sector: Technology
  • Industry: Software—Application
  • Market Cap: Small (629.24M)
  • Inst. Ownership: 70.40%
  • Insider Ownership: 21.50%
  • Full Time Employees: 10030
Ebix, Inc., together with its subsidiaries, provides on-demand infrastructure software exchanges and e-commerce services to the insurance, financial, travel, and healthcare 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 areas 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; 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, and travel. 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 services cover certificates of insurance creation and tracking; consulting services comprising project management and development; and business process outsourcing services, including domain intensive project management, system consulting services, and claims adjudication/settlement services. 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 '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 6.48
7.18
7.65
9.92
10.96
12.63
12.26
14.20
15.67
15.58
18.54
growth rate 10.8% 6.6% 29.7% 10.5% 15.2% -2.9% 15.8% 10.4% -0.6% 19.0%
Earnings BIT 55.70
59.13
53.16
69.44
87.18
98.94
113.22
152.98
155.67
128.87
119.01
growth rate 6.2% -10.1% 30.6% 25.6% 13.5% 14.4% 35.1% 1.8% -17.2% -7.7%
Avg.PE 13.14
8.77
9.55
6.15
6.15
20.20
22.72
14.46
14.46
14.46
14.46
growth rate -33.3% 8.9% -35.6% 0.0% 228.5% 12.5% -36.4% 0.0% 0.0% 0.0%
ROA 19.98
15.21
11.07
10.70
12.14
12.68
10.50
6.84
6.04
5.84
4.34
growth rate -23.9% -27.2% -3.3% 13.5% 4.5% -17.2% -34.9% -11.7% -3.3% -25.7%
ROE 26.08
20.81
15.29
15.04
18.91
22.46
21.91
19.21
18.81
15.88
10.75
growth rate -20.2% -26.5% -1.6% 25.7% 18.8% -2.5% -12.3% -2.1% -15.6% -32.3%
ROIC 22.72
17.74
13.10
12.88
14.23
15.10
14.03
10.68
10.95
9.20
7.94
growth rate -21.9% -26.2% -1.7% 10.5% 6.1% -7.1% -23.9% 2.5% -16.0% -13.7%
Cur. Ratio 1.28
1.44
1.53
1.49
2.28
2.34
1.72
1.35
1.55
1.89
1.79
growth rate 12.5% 6.3% -2.6% 53.0% 2.6% -26.5% -21.5% 14.8% 21.9% -5.3%
Quick Ratio 1.13
1.35
1.47
1.37
2.11
2.02
1.44
1.17
1.15
1.50
1.36
growth rate 19.5% 8.9% -6.8% 54.0% -4.3% -28.7% -18.8% -1.7% 30.4% -9.3%
Leverage 1.30
1.43
1.34
1.47
1.65
1.88
2.26
3.37
2.89
2.56
2.40
growth rate 10.0% -6.3% 9.7% 12.2% 13.9% 20.2% 49.1% -14.2% -11.4% -6.3%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 23.57
28.27
29.63
42.37
48.19
63.46
121.58
200.17
191.43
156.88
164.83
growth rate 19.9% 4.8% 43.0% 13.7% 31.7% 91.6% 64.6% -4.4% -18.1% 5.1%
Acct.Payable 11.88
5.80
16.61
69.10
84.92
74.97
56.64
70.51
growth rate -51.2% 186.3% 316.1% 22.9% -11.7% -24.5% 24.5%
Cur.Assets 48.35
61.91
77.52
101.75
116.83
207.05
252.93
427.38
363.93
361.90
366.56
growth rate 28.1% 25.2% 31.3% 14.8% 77.2% 22.2% 69.0% -14.9% -0.6% 1.3%
Total Assets 311.61
391.71
419.75
634.31
675.99
803.76
1,113.01
1,610.95
1,591.62
1,569.85
1,573.25
growth rate 25.7% 7.2% 51.1% 6.6% 18.9% 38.5% 44.7% -1.2% -1.4% 0.2%
Cash 17.96
27.58
42.97
52.30
57.18
114.12
63.90
137.86
73.23
105.04
99.63
growth rate 53.6% 55.8% 21.7% 9.3% 99.6% -44.0% 115.8% -46.9% 43.4% -5.2%
Inventory 0.00
growth rate
Cur.Liabilities 37.74
42.97
50.55
69.79
51.27
89.71
146.93
317.43
234.89
191.39
205.20
growth rate 13.9% 17.6% 38.1% -26.5% 75.0% 63.8% 116.0% -26.0% -18.5% 7.2%
Liabilities 72.07
117.31
106.55
202.09
267.02
365.12
579.25
1,066.51
992.17
909.75
873.70
growth rate 62.8% -9.2% 89.7% 32.1% 36.7% 58.7% 84.1% -7.0% -8.3% -4.0%
LT Debt 30.46
52.59
32.59
121.06
206.47
259.85
385.51
699.02
692.50
671.54
623.78
growth rate 72.6% -38.0% 271.5% 70.6% 25.9% 48.4% 81.3% -0.9% -3.0% -7.1%
Equity 239.54
274.48
313.12
432.22
408.97
426.90
491.51
478.20
550.11
612.98
655.32
growth rate 14.6% 14.1% 38.0% -5.4% 4.4% 15.1% -2.7% 15.0% 11.4% 6.9%
Common Shares 41.00
39.00
39.00
38.00
35.00
33.00
32.00
3.06
3.05
3.05
3.07
growth rate -4.9% 0.0% -2.6% -7.9% -5.7% -3.0% -90.5% -0.3% 0.1% 0.5%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 2.83
1.97
16.28
13.99
7.62
7.39
8.03
4.91
5.34
7.47
growth rate -30.4% 187.4% -14.0% -45.6% -3.1% 8.8% -38.9% 8.7% 39.9%
Cash Dividends 1.14
5.30
2.12
11.41
10.47
9.83
9.55
9.32
9.19
9.25
9.28
growth rate 366.7% -60.0% 437.6% -8.2% -6.1% -2.9% -2.4% -1.3% 0.6% 0.4%
Cash From OA 53.50
54.79
43.27
58.51
48.69
86.57
76.81
83.46
60.79
100.36
69.47
growth rate 2.4% -21.0% 35.2% -16.8% 77.8% -11.3% 8.7% -27.2% 65.1% -30.8%
FCF per Share 1.30
1.37
1.03
0.88
0.84
1.88
1.78
2.48
2.27
1.68
1.58
growth rate 5.4% -24.8% -14.6% -4.6% 123.8% -5.3% 39.3% -8.5% -26.0% -6.0%
Sale Purchase of Stock 0.79
2.21
0.82
-46.08
growth rate 180.3% -62.7% -100.0%
FCF 68.00
70.00
56.00
42.00
31.00
74.00
67.00
74.00
48.00
91.00
56.00
growth rate 2.9% -20.0% -25.0% -26.2% 138.7% -9.5% 10.5% -35.1% 89.6% -38.5%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 128.07
151.11
155.12
214.32
265.48
298.29
363.97
497.83
580.62
625.61
994.94
growth rate 18.0% 2.7% 38.2% 23.9% 12.4% 22.0% 36.8% 16.6% 7.8% 59.0%
Op.Income 52.06
58.35
56.84
69.44
87.18
98.94
113.22
152.98
155.67
128.87
119.01
growth rate 12.1% -2.6% 22.2% 25.6% 13.5% 14.4% 35.1% 1.8% -17.2% -7.7%
IBT 55.70
59.11
53.20
77.45
86.64
95.93
103.36
125.58
90.79
94.16
73.52
growth rate 6.1% -10.0% 45.6% 11.9% 10.7% 7.7% 21.5% -27.7% 3.7% -21.9%
Net Income 54.11
53.50
44.94
63.56
79.53
93.85
100.62
93.14
96.72
92.38
68.19
growth rate -1.1% -16.0% 41.4% 25.1% 18.0% 7.2% -7.4% 3.8% -4.5% -26.2%
EPS 1.75
1.80
1.53
1.67
2.28
2.86
3.17
2.95
3.16
3.02
2.22
growth rate 2.9% -15.0% 9.2% 36.5% 25.4% 10.8% -6.9% 7.1% -4.4% -26.5%
Gross Profit 102.61
122.16
124.43
166.93
193.05
213.17
234.48
329.41
375.45
282.35
289.55
growth rate 19.1% 1.9% 34.2% 15.6% 10.4% 10.0% 40.5% 14.0% -24.8% 2.6%
R&D 14.55
18.79
20.31
26.86
30.70
32.98
33.85
39.08
45.30
35.27
40.02
growth rate 29.2% 8.1% 32.3% 14.3% 7.4% 2.7% 15.4% 15.9% -22.2% 13.5%

Quarterly Statements

Item Name Dec '20 Mar '21 Jun '21 Sep '21 Dec '21
Earnings BIT 34.11
31.19
27.27
28.14
32.42
growth rate -8.6% -12.6% 3.2% 15.2%
Balance Sheet Dec '20 Mar '21 Jun '21 Sep '21 Dec '21
Acct.Receivable 156.88
160.49
165.67
171.03
164.83
growth rate 2.3% 3.2% 3.2% -3.6%
Acct.Payable 56.64
53.30
54.68
62.27
70.51
growth rate -5.9% 2.6% 13.9% 13.3%
Cur.Assets 361.90
361.22
347.00
355.47
366.56
growth rate -0.2% -3.9% 2.4% 3.1%
Total Assets 1,569.85
1,566.28
1,546.22
1,549.83
1,573.25
growth rate -0.2% -1.3% 0.2% 1.5%
Cash 105.04
99.58
85.07
87.67
99.63
growth rate -5.2% -14.6% 3.1% 13.6%
Cur.Liabilities 191.39
177.90
176.70
180.01
205.20
growth rate -7.1% -0.7% 1.9% 14.0%
Liabilities 909.75
889.77
864.42
858.13
873.70
growth rate -2.2% -2.9% -0.7% 1.8%
LT Debt 671.23
665.76
638.13
630.91
623.78
growth rate -0.8% -4.2% -1.1% -1.1%
Equity 612.98
629.69
635.75
646.08
655.32
growth rate 2.7% 1.0% 1.6% 1.4%
Common Shares 3.05
3.06
3.06
3.07
3.07
growth rate 0.1% 0.1% 0.3% 0.0%
Cash Flow Statement Dec '20 Mar '21 Jun '21 Sep '21 Dec '21
Capital Expenditures 3.87
0.27
1.44
3.62
2.14
growth rate -93.0% 431.5% 152.3% -40.9%
Cash Dividends 2.32
2.32
2.32
2.32
2.32
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA 28.59
8.58
13.08
18.17
29.65
growth rate -70.0% 52.5% 38.9% 63.2%
Sale Purchase of Stock
growth rate
FCF 24.72
8.31
11.65
14.55
27.51
growth rate -66.4% 40.2% 24.9% 89.1%
Income Statement Dec '20 Mar '21 Jun '21 Sep '21 Dec '21
Sales 222.12
290.05
246.32
191.74
266.83
growth rate 30.6% -15.1% -22.2% 39.2%
Op.Income 34.11
31.19
27.27
28.14
32.42
growth rate -8.6% -12.6% 3.2% 15.2%
IBT 19.66
22.49
15.58
15.75
19.71
growth rate 14.4% -30.7% 1.1% 25.1%
Net Income 19.50
21.59
15.72
15.45
15.43
growth rate 10.7% -27.2% -1.7% -0.2%
EPS
growth rate
Gross Profit 71.38
69.70
68.12
70.94
80.80
growth rate -2.4% -2.3% 4.1% 13.9%
R&D 8.74
9.55
10.14
10.15
10.18
growth rate 9.3% 6.3% 0.1% 0.3%

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 (36.39)

YOY Growth Grade:

D (40.22)

Click on buttons above for detailed yearly growth rates.

Market Ratios

  • Dividend Yield: 1.7%

  • Beta: 2.51

    Beta of 2.5050 suggests that the asset is more volatile than the rest of the market.

  • PE: 11.78

  • EY: 8.5%

  • PEG: 1.18

    PEG Ratio of 1.18 suggests that stock is reasonably priced.

  • PEGY: 1.01

    PEGY Ratio of 1.01 suggests that stock is reasonably priced.

  • Price/BVPS: 1.42

Profitability Ratios

  • ROE: 10.8%

    Return on Equity (ROE) of 10.8% suggests that management is inefficient or it could reflect a highly capitalized, conservatively operated business with little long term debt.

  • ROS: 12.0%

    The value of Return on Sales depends on the business and/or industry. Usually the higher ratio the better.

  • ROA: 4.7%

    Return on Assets (ROA). Low ratio usually means poor performance, or ineffective use of assets by management. High ratio usually means good performance.

  • ROI: 11.2%

    Return on Investment (ROI) of 11.2% suggests that management is inefficient or it could reflect a highly capitalized, conservatively operated business with little long term debt.

  • ROIC: 12.5%

    Return on Invested Capital (ROIC) of 12.5% suggests that management is inefficient or it could reflect a highly capitalized, conservatively operated business with little long term debt.

Liquidity Ratios

  • Current Ratio: 1.79

    Current Ratio of 1.79 suggests that a company may not be able to pay off bills as rapidly as it should.

  • Quick Ratio: 1.29

    Quick Ratio of 1.29 suggests that a company is doing well.

  • Cash Turnover: 6.17

    Turnover Of Cash Ratio of 6.17 suggests that a company may be vulnerable to creditors. As a result it may be unable to pay wages or utility bills.

  • Equity Ratio: 41.7%

    Equity Ratio of 41.7% suggests that a company has high financing and debt service costs, not very attractive to investors.

  • Debt/Equity: 133.3%

    Debt to Equity Ratio of 133.3% suggests that greater risk assumed by creditors, hence greater interest by them in the way the company is being managed.

  • Debt/FCF: 11.14

    Debt/FCF of 11.14 suggests that a company does not have enough cash to pay off its long term debt within three years.

Efficiency Ratios

  • Avg Collection Period: 60.47

    Average Collection Period of 60.47 days suggests a slow turnover, which may be the result of a number of bad accounts, or a tax collection policy or perhaps credit is being used to generate sales.

  • Inventory Turnover:

  • Cash Flow Ratio: 2.55

    Cash Flow Ratio of 2.55 suggests a company is doing OK, but lower inventory is generally viewed as a positive trend.

  • Profit Margin: 6.9%

Value Price

PE and EPS

Historical Current Forward
PE 8.40 11.72 4.99
EPS / Growth 19.3% 2.24 10.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 8.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.8% 12.7% 12.7%
Future PE 4.99 7.26 12.92
Future EPS 5.22 7.40 7.40
Value Price
MOS %		 6.44
-75.5% 		13.28
-49.4% 		23.63
-10.0%
MOS Price 3.22 6.64 11.82
IRT 7.89 7.04 7.04

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.

  • Graham Number: 30.57
  • Graham MOS: 16.5%

Price Chart

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