Market Price

78.85 

-0.50 -0.6%

as of Sep 19 '18

52 Week Range:

57.05 89.10


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 software and e-commerce solutions to insurance, finance, and healthcare industries. It offers software development, customization, and consulting services to various entities in the insurance industry, including carriers, brokers, exchanges, and standard making bodies. The company operates data exchanges in the areas of life insurance, annuities, employee health benefits, risk management, workers compensation, insurance underwriting, and property and casualty (P&C) insurance. It also focuses on designing and deploying back-end systems, such as eGlobal, which targets multinational P&C insurance brokers; WinBeat that targets P&C brokers in the Australian and New Zealand markets; and EbixASP, a system for the P&C insurance brokers in the United States. In addition, the company offers business process outsourcing services that include providing domain intensive project management, time, and material based consulting engagements to clients; the creation and tracking of certificates of insurance issued in the United States and Australian markets; and the provision of claims adjudication and settlement, call center, and back office support, as well as a software-based service for the issuance of certificates of insurance and a service to track certificates of insurance for corporate clients in the United States and Australia. Further, the company offers carrier systems, which pertains to the designing and deploying on-demand back-end systems for P&C insurance companies. 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 '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 1.97
2.34
4.96
6.42
8.39
9.76
10.53
12.06
11.98
13.36
14.64
growth rate 18.8% 112.0% 29.4% 30.7% 16.3% 7.9% 14.5% -0.7% 11.5% 9.6%
Earnings BIT 13.20
28.70
39.83
59.65
73.50
78.03
70.15
69.44
87.18
98.94
116.74
growth rate 117.4% 38.8% 49.8% 23.2% 6.2% -10.1% -1.0% 25.6% 13.5% 18.0%
Avg.PE 20.28
10.73
15.95
15.65
12.66
8.93
9.59
18.08
17.72
23.46
27.46
growth rate -47.1% 48.7% -1.9% -19.1% -29.5% 7.4% 88.5% -2.0% 32.4% 17.1%
ROA 16.25
21.88
19.25
20.87
19.98
15.21
11.07
10.70
12.14
12.68
10.50
growth rate 34.7% -12.0% 8.4% -4.3% -23.9% -27.2% -3.3% 13.5% 4.5% -17.2%
ROE 29.36
41.94
32.23
29.36
26.08
20.81
15.29
15.04
18.91
22.46
21.91
growth rate 42.9% -23.2% -8.9% -11.2% -20.2% -26.5% -1.6% 25.7% 18.8% -2.5%
ROIC 18.56
24.88
22.89
24.21
22.72
17.74
13.10
12.88
14.23
15.10
14.03
growth rate 34.1% -8.0% 5.8% -6.2% -21.9% -26.2% -1.7% 10.5% 6.1% -7.1%
Cur. Ratio 2.31
0.47
0.62
1.56
1.28
1.44
1.53
1.49
2.28
2.34
1.72
growth rate -79.7% 31.9% 151.6% -18.0% 12.5% 6.3% -2.6% 53.0% 2.6% -26.5%
Quick Ratio 2.27
0.46
0.58
1.43
1.13
1.35
1.47
1.37
2.11
2.02
1.44
growth rate -79.7% 26.1% 146.6% -21.0% 19.5% 8.9% -6.8% 54.0% -4.3% -28.7%
Leverage 1.80
2.01
1.54
1.31
1.30
1.43
1.34
1.47
1.65
1.88
2.26
growth rate 11.7% -23.4% -14.9% -0.8% 10.0% -6.3% 9.7% 12.2% 13.9% 20.2%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 8.81
13.60
22.90
26.00
34.11
39.13
39.33
42.37
48.19
63.46
117.84
growth rate 54.4% 68.4% 13.5% 31.2% 14.7% 0.5% 7.8% 13.7% 31.7% 85.7%
Acct.Payable 16.16
20.93
24.30
11.88
5.80
16.61
83.27
growth rate 29.5% 16.1% -51.1% -51.2% 186.3% 401.5%
Cur.Assets 59.41
25.50
46.50
60.80
63.82
81.67
102.35
101.75
116.83
209.87
252.93
growth rate -57.1% 82.4% 30.8% 5.0% 28.0% 25.3% -0.6% 14.8% 79.6% 20.5%
Total Assets 108.51
141.20
262.20
303.30
411.18
516.95
545.44
634.31
675.99
803.76
1,113.01
growth rate 30.1% 85.7% 15.7% 35.6% 25.7% 5.5% 16.3% 6.6% 18.9% 38.5%
Cash 49.47
9.50
19.20
23.40
23.70
36.45
56.67
52.30
57.18
114.12
67.94
growth rate -80.8% 102.1% 21.9% 1.3% 53.8% 55.5% -7.7% 9.3% 99.6% -40.5%
Inventory 0.00 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 25.02
53.90
75.10
39.10
49.78
56.69
66.68
69.79
51.27
89.71
146.93
growth rate 115.4% 39.3% -47.9% 27.3% 13.9% 17.6% 4.7% -26.5% 75.0% 63.8%
Liabilities 48.38
71.00
91.40
72.00
95.07
149.79
127.22
202.09
267.02
365.12
621.50
growth rate 46.8% 28.7% -21.2% 32.0% 57.6% -15.1% 58.9% 32.1% 36.7% 70.2%
LT Debt 20.49
15.30
0.70
25.20
40.22
70.62
42.96
121.06
206.47
259.83
385.51
growth rate -25.3% -95.4% 3,500.0% 59.6% 75.6% -39.2% 181.8% 70.6% 25.9% 48.4%
Equity 60.13
70.10
170.70
231.30
316.12
362.16
413.23
432.22
408.97
426.90
491.51
growth rate 16.6% 143.5% 35.5% 36.7% 14.6% 14.1% 4.6% -5.4% 4.4% 15.1%
Common Shares 32.00
37.00
38.00
39.00
41.00
39.00
39.00
38.00
35.00
33.00
32.00
growth rate 15.6% 2.7% 2.6% 5.1% -4.9% 0.0% -2.6% -7.9% -5.7% -3.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 1.75
0.62
3.13
1.75
2.83
1.97
1.23
16.28
13.99
7.62
7.39
growth rate -64.6% 404.8% -44.1% 61.7% -30.5% -37.4% 1,223.3% -14.0% -45.6% -3.1%
Cash Dividends 0.00
0.00
0.00
0.00
1.46
7.03
2.79
11.41
10.47
9.83
9.55
growth rate 381.5% -60.3% 308.2% -8.2% -6.1% -2.9%
Cash From OA 15.04
26.80
33.90
51.80
70.64
72.30
57.06
58.51
48.69
83.75
76.81
growth rate 78.2% 26.5% 52.8% 36.4% 2.3% -21.1% 2.5% -16.8% 72.0% -8.3%
FCF per Share 0.40
0.71
0.81
1.31
1.69
1.80
1.41
1.08
0.92
1.98
2.12
growth rate 77.5% 14.1% 61.7% 29.0% 6.5% -21.7% -23.4% -14.8% 115.2% 7.1%
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 13.00
26.00
31.00
51.00
68.00
70.00
56.00
42.00
31.00
74.00
67.00
growth rate 100.0% 19.2% 64.5% 33.3% 2.9% -20.0% -25.0% -26.2% 138.7% -9.5%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 42.84
74.80
97.70
132.20
168.97
199.37
204.71
214.32
265.48
298.29
363.97
growth rate 74.6% 30.6% 35.3% 27.8% 18.0% 2.7% 4.7% 23.9% 12.4% 22.0%
Op.Income 12.80
29.30
39.30
52.50
71.38
70.57
59.27
69.44
87.18
98.94
113.22
growth rate 128.9% 34.1% 33.6% 36.0% -1.1% -16.0% 17.1% 25.6% 13.5% 14.4%
IBT 13.20
28.70
39.80
59.70
73.50
78.03
70.15
77.45
86.64
95.93
103.36
growth rate 117.4% 38.7% 50.0% 23.1% 6.2% -10.1% 10.4% 11.9% 10.7% 7.7%
Net Income 12.67
27.30
38.80
59.00
71.38
70.57
59.27
63.56
79.53
93.85
100.62
growth rate 115.5% 42.1% 52.1% 21.0% -1.1% -16.0% 7.2% 25.1% 18.0% 7.2%
EPS 0.40
0.76
1.03
1.51
1.75
1.80
1.53
1.67
2.28
2.86
3.17
growth rate 90.0% 35.5% 46.6% 15.9% 2.9% -15.0% 9.2% 36.5% 25.4% 10.8%
Gross Profit 35.73
60.60
76.40
102.60
135.38
161.24
164.24
166.93
193.05
213.17
234.48
growth rate 69.6% 26.1% 34.3% 32.0% 19.1% 1.9% 1.6% 15.6% 10.4% 10.0%
R&D 9.00
11.40
13.60
19.21
24.83
26.80
26.86
30.70
32.98
33.85
growth rate 26.7% 19.3% 41.2% 29.2% 8.0% 0.2% 14.3% 7.4% 2.7%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 26.54
27.91
32.28
33.90
38.32
growth rate 5.2% 15.7% 5.0% 13.0%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 85.59
106.32
117.84
121.36
152.63
growth rate 24.2% 10.8% 3.0% 25.8%
Acct.Payable 39.67
50.85
83.27
77.23
97.99
growth rate 28.2% 63.8% -7.3% 26.9%
Cur.Assets 194.12
240.77
252.93
290.87
328.23
growth rate 24.0% 5.1% 15.0% 12.9%
Total Assets 923.33
1,025.93
1,113.01
1,162.44
1,357.58
growth rate 11.1% 8.5% 4.4% 16.8%
Cash 68.45
96.73
67.94
111.90
113.41
growth rate 41.3% -29.8% 64.7% 1.4%
Inventory
growth rate
Cur.Liabilities 86.44
148.77
146.93
158.68
194.08
growth rate 72.1% -1.2% 8.0% 22.3%
Liabilities 444.89
524.01
621.50
621.52
809.68
growth rate 17.8% 18.6% 0.0% 30.3%
LT Debt 313.65
330.61
385.51
409.47
591.64
growth rate 5.4% 16.6% 6.2% 44.5%
Equity 437.69
460.82
491.51
498.03
499.40
growth rate 5.3% 6.7% 1.3% 0.3%
Common Shares 3.14
3.15
3.15
3.15
3.15
growth rate 0.1% 0.1% -0.1% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 2.25
1.41
0.53
0.53
0.94
growth rate -37.2% -62.5% 0.0% 77.2%
Cash Dividends 2.37
2.38
2.37
2.37
2.37
growth rate 0.2% -0.3% 0.0% 0.0%
Cash From OA 15.50
18.91
25.49
25.49
14.40
growth rate 22.0% 34.8% 0.0% -43.5%
Sale Purchase of Stock -5.29
-0.09
-0.07
-0.04
growth rate 0.0% 0.0% 0.0%
FCF 13.25
17.50
24.96
24.96
13.46
growth rate 32.1% 42.7% 0.0% -46.1%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 87.39
92.80
104.68
108.23
124.63
growth rate 6.2% 12.8% 3.4% 15.2%
Op.Income 26.54
27.91
33.90
33.90
38.32
growth rate 5.2% 21.4% 0.0% 13.0%
IBT 23.60
24.33
28.58
28.58
31.29
growth rate 3.1% 17.5% 0.0% 9.5%
Net Income 23.43
24.18
26.57
26.21
29.18
growth rate 3.2% 9.9% -1.4% 11.3%
EPS
growth rate
Gross Profit 56.46
57.86
66.24
68.64
81.07
growth rate 2.5% 14.5% 3.6% 18.1%
R&D 8.42
8.54
8.43
8.43
8.67
growth rate 1.4% -1.2% 0.0% 2.8%

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:

B (78.46)

YOY Growth Grade:

C (61.71)

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 23.82 23.54 18.22
EPS / Growth 19.5% 3.35 10.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 12.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 10.0% 13.9% 13.9%
Future PE 18.22 23.25 23.25
Future EPS 8.69 12.26 12.26
Value Price
MOS %
39.13
-50.4%
70.43
-10.7%
70.43
-10.7%
MOS Price 19.57 35.21 35.21
IRT 12.00 10.40 10.40

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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