Ebix, Inc. (EBIX)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Ebix, Inc. (EBIX) trades at $1.16 with AI Score 45/100 (Grade C). Ebix, Inc. provides on-demand infrastructure software and e-commerce services to the insurance, financial, travel, and healthcare industries. Market cap: $35.85M, Sector: Technology.
Price live · AI analysis from May 9, 2026Analyst Coverage for EBIX: EBIX does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates EBIX against Technology peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
EBIX: the 1 perspectives are evenly split.
How is this calculated? →Ebix, Inc. (EBIX) Technology Profile & Competitive Position
Ebix, Inc. delivers infrastructure software and e-commerce solutions to the insurance, financial, travel, and healthcare sectors globally. The company's SaaS platforms and exchange services facilitate data exchange and streamline operations for brokers and carriers, with a focus on personal and commercial lines.
What Is the Investment Thesis for EBIX?
Ebix, Inc. presents a complex investment case. The company's low P/E ratio of 0.6 might suggest undervaluation, but investors may want to evaluate the context of the company's financial health and future prospects. A key value driver is the company's SaaS platform, which provides recurring revenue streams. Growth catalysts include expanding its exchange services into new geographic markets and verticals. However, the high beta of 2.38 indicates significant volatility. Investors should closely monitor the company's ability to maintain and grow its market share in the face of increasing competition and technological advancements.
Based on FMP financials and quantitative analysis
EBIX Key Highlights
- Market capitalization of $35.85M indicates a small-cap company.
- P/E ratio of 0.6 suggests potential undervaluation, but requires further investigation.
- Profit margin of 6.2% reflects moderate profitability.
- Gross margin of 31.3% indicates the percentage of revenue exceeding the cost of goods sold.
- Beta of 2.38 indicates high volatility compared to the market.
Who Are EBIX's Competitors?
EBIX is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| VRNT Verint Systems Inc. | $20.51 | +1.33% | $1.24B | 50 |
| MSFT Microsoft Corporation | $386.20 | -1.10% | $2.87T | 81 |
| NOW ServiceNow, Inc. | $108.69 | +2.23% | $112.09B | 71 |
| RSASF RESAAS Services Inc. | $0.30 | +2.76% | $25.04M | 69 |
| PDFS PDF Solutions, Inc. | $59.18 | -11.51% | $2.44B | 68 |
| CSAI Cloudastructure Inc. | $0.36 | +0.47% | $6.84M | 68 |
| USER UserTesting, Inc. | $7.50 | -0.13% | 63 | |
| XM Qualtrics International Inc. | $18.15 | +0.06% | $11.01B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are EBIX's Key Strengths?
- Comprehensive suite of software and e-commerce services.
- Established presence in the insurance, financial, travel, and healthcare industries.
- Global operations with a diverse customer base.
- Recurring revenue from SaaS offerings.
What Are EBIX's Weaknesses?
- Relatively small market capitalization.
- High beta indicates significant volatility.
- Dependence on specific industries and geographic markets.
- Potential for technological disruption.
What Could Drive EBIX Stock Higher?
- Expansion of SaaS offerings into new industry verticals, targeting increased recurring revenue.
- Strategic partnerships and alliances to broaden market reach and product capabilities.
- Continued investment in emerging technologies to enhance existing solutions and create new offerings.
- Potential acquisitions of complementary businesses to expand product portfolio and geographic presence.
What Are the Key Risks for EBIX?
- Financial-distress signal — its Altman Z-Score of 1.05 sits in the distress zone (elevated bankruptcy risk).
- Intense competition from established players and emerging startups in the technology sector.
- Rapid technological advancements and evolving customer needs may require significant investments in R&D.
- Economic downturns and industry-specific challenges could impact demand for Ebix's products and services.
- Regulatory changes and compliance requirements may increase operational costs and complexity.
- High beta indicates significant volatility, potentially impacting investor confidence.
What Are the Growth Opportunities for EBIX?
- Expansion of SaaS Offerings: Ebix can expand its SaaS offerings within the insurance, financial, travel, and healthcare industries. The global SaaS market is projected to reach $307.3 billion in 2026, offering a substantial opportunity for growth. By developing new SaaS solutions and enhancing existing platforms, Ebix can attract new customers and increase recurring revenue.
- Geographic Expansion: Ebix has the opportunity to expand its geographic footprint beyond its current markets, including the United States, United Kingdom, Australia, and New Zealand. Emerging markets in Asia and Latin America present significant growth potential. By establishing a presence in these regions, Ebix can tap into new customer bases and diversify its revenue streams.
- Strategic Acquisitions: Ebix can pursue strategic acquisitions to expand its product portfolio and market share. By acquiring complementary businesses, Ebix can gain access to new technologies, customer segments, and geographic markets. This strategy can accelerate growth and enhance the company's competitive position.
- Partnerships and Alliances: Ebix can form partnerships and alliances with other technology companies and industry players. By collaborating with complementary businesses, Ebix can expand its reach and offer integrated solutions to customers. These partnerships can drive innovation and create new revenue opportunities.
- Focus on Emerging Technologies: Ebix can invest in emerging technologies such as artificial intelligence, blockchain, and data analytics to enhance its offerings and create new solutions. By leveraging these technologies, Ebix can improve efficiency, reduce costs, and provide more value to customers. This can drive growth and maintain a competitive edge.
What Opportunities Does EBIX Have?
- Expansion of SaaS offerings into new verticals.
- Geographic expansion into emerging markets.
- Strategic acquisitions to expand product portfolio.
- Partnerships and alliances to enhance reach and capabilities.
What Threats Does EBIX Face?
- Intense competition from established players and emerging startups.
- Rapid technological advancements and evolving customer needs.
- Economic downturns and industry-specific challenges.
- Regulatory changes and compliance requirements.
What Are EBIX's Competitive Advantages?
- Established customer base: Has a long-standing customer base in the insurance and financial industries.
- Proprietary technology: Owns and develops its own software platforms and exchanges.
- Industry expertise: Possesses deep industry knowledge and experience.
- Global presence: Operates in multiple countries, providing a diverse revenue base.
What Does EBIX Do?
Founded in 1976 and headquartered in Johns Creek, Georgia, Ebix, Inc. has evolved from Delphi Systems, Inc. (renamed in 2003) into a global provider of on-demand infrastructure software exchanges and e-commerce services. The company's core business revolves around serving the insurance, financial, travel, and healthcare industries. Ebix develops and deploys insurance and reinsurance exchanges and offers SaaS enterprise solutions encompassing customer relationship management, front-end, and back-end systems. Its geographic reach extends internationally, with a significant presence in the United States, United Kingdom, Australia, and New Zealand. Ebix's P&C exchanges facilitate data exchange between brokers and insurance carriers, focusing on personal and commercial lines. The company provides a range of exchange-related products and services, including travel exchanges, money transfer services, foreign exchange, outward remittance services, payment services, and gift cards. Additionally, Ebix offers technology services for providers in lending, wealth and asset management, and travel. The company's insurance exchange offerings include SaaS platforms, software licensing, and professional services such as setup, customization, training, and consulting. Ebix also provides risk compliance services, including certificates of insurance creation and tracking, consulting, and business process outsourcing services like project management, system consulting, and claims adjudication/settlement.
What Products and Services Does EBIX Offer?
- Develops and deploys insurance and reinsurance exchanges.
- Provides SaaS enterprise solutions for customer relationship management.
- Offers front-end and back-end systems for various industries.
- Provides outsourced administrative and risk compliance solutions.
- Operates P&C exchanges in multiple countries.
- Facilitates the exchange of insurance data between brokers and insurance carriers.
- Offers travel exchanges and money transfer services.
- Provides technology services for lending, wealth and asset management, and travel providers.
How Does EBIX Make Money?
- SaaS platform and related services: Generates revenue through subscriptions and usage fees for its software platforms.
- Licensing of software: Earns revenue by licensing its software to customers.
- Professional services: Provides setup, customization, training, and consulting services to clients.
- Exchange-related products and services: Collects fees from transactions and services offered through its exchanges.
What Industry Does EBIX Operate In?
Ebix, Inc. operates within the application software industry, a segment characterized by rapid technological advancements and evolving customer needs. The industry is experiencing growth driven by the increasing adoption of cloud-based solutions and the demand for digital transformation. Ebix's focus on providing on-demand infrastructure software and e-commerce services positions it to capitalize on these trends. However, the company faces competition from established players and emerging startups. The market is competitive, requiring continuous innovation and strategic partnerships to maintain market share.
Who Are EBIX's Key Customers?
- Insurance carriers: Provides software and services to insurance companies to streamline operations.
- Insurance brokers: Offers platforms for brokers to exchange data with carriers.
- Financial institutions: Serves banks and other financial institutions with technology solutions.
- Travel companies: Provides travel exchange and related services to travel providers.
EBIX Valuation & Market Position
With a $35.85M market cap, Ebix, Inc. sits in the micro-cap segment of the market. Relative to its peer group, EBIX's quantitative score of 45/100 is below the peer average of 68/100.
ROE 10%Key Financial Metrics
Return on equity for Ebix, Inc. stands at 10.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 4.2%, showing how much profit it generates from its asset base. EBIX trades at a trailing price-to-earnings ratio of 0.55, below the Technology sector average of ~38x. A current ratio of 0.46 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 181.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
Ebix, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.05 places it in the distress zone, a signal of elevated financial risk.
EBIX Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- EBIX insiders have been actively buying shares lately, signaling strong confidence in the company's future prospects. This aligns with the general feeling in the community that EBIX is undervalued.
- The community sentiment leans towards a belief that EBIX is poised for growth, fueled by positive developments in the insurance technology sector. It's like the early days of cloud computing, people see the potential.
- EBIX is perceived as a key player in modernizing insurance processes, and this narrative is resonating well with investors looking for long-term growth in fintech. Think of it like Amazon's early dominance in e-commerce.
- Recent market developments suggest increased demand for EBIX's services, particularly in digital insurance platforms, boosting optimism about their revenue streams. The shift mirrors the move to streaming services over cable.
Bear Case
- There's a growing concern within the community about potential regulatory hurdles that could impact EBIX's operations and expansion plans. This is similar to the scrutiny faced by big tech companies.
- Some bearish voices in the community are questioning EBIX's ability to maintain its competitive edge against larger, more established players in the insurance technology space. It's a David vs. Goliath situation.
- Market perception is somewhat mixed, with some analysts expressing reservations about EBIX's long-term profitability and scalability. This echoes the concerns surrounding some high-growth but unprofitable tech startups.
- Recent market developments have highlighted increased competition in the insurance technology sector, potentially squeezing EBIX's market share and profitability. It's like the airline industry, where intense competition can erode profits.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
EBIX Latest News
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Stocks That Hit 52-Week Lows On Tuesday
benzinga · Oct 3, 2023
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Stocks That Hit 52-Week Lows On Friday
benzinga · Sep 29, 2023
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Earnings Scheduled For August 9, 2023
benzinga · Aug 9, 2023
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Earnings Scheduled For August 9, 2022
benzinga · Aug 9, 2022
EBIX Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for EBIX.
Price Targets
Wall Street price target analysis for EBIX.
EBIX MoonshotScore
What does this score mean?
The MoonshotScore rates EBIX's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Robin Raina
Chairman, President and Chief Executive Officer
Robin Raina serves as the Chairman, President, and CEO of Ebix, Inc. He has been with the company since 1997, playing a pivotal role in its transformation and growth. Raina holds a bachelor's degree in engineering from the Indian Institute of Technology (IIT) and an MBA from the University of Georgia. His expertise lies in technology, business strategy, and global operations. He has led Ebix through various acquisitions and expansions, establishing the company as a leading provider of on-demand infrastructure software and e-commerce services.
Track Record: Under Robin Raina's leadership, Ebix has experienced significant growth and diversification. He spearheaded the company's expansion into new markets and verticals, including the development of its SaaS platform and the acquisition of key businesses. Raina has also focused on innovation and customer satisfaction, driving the company's success in the competitive technology landscape. He has successfully managed a large workforce of over 10,000 employees.
Common Questions About EBIX (Technology)
What does Ebix, Inc. do?
Ebix, Inc. provides on-demand infrastructure software and e-commerce services to the insurance, financial, travel, and healthcare industries. The company's core offerings include insurance and reinsurance exchanges, SaaS enterprise solutions, and outsourced administrative and risk compliance services. Ebix operates P&C exchanges in multiple countries, facilitating data exchange between brokers and insurance carriers. The company also provides technology services for lending, wealth and asset management, and travel providers. Ebix generates revenue through subscriptions, licensing, professional services, and exchange-related fees.
What do analysts say about EBIX stock?
Analyst coverage of Ebix, Inc. is limited, reflecting its small-cap status. Current ratings and price targets are not widely available. Investors should conduct their own due diligence and consider the company's financial performance, growth prospects, and risk factors. Key valuation metrics include the P/E ratio, profit margin, and gross margin. Growth considerations include the company's ability to expand its SaaS offerings, enter new markets, and maintain its competitive position. The high beta of 2.38 suggests significant volatility.
What are the main risks for EBIX?
Ebix, Inc. faces several risks, including intense competition from established players and emerging startups in the technology sector. Rapid technological advancements and evolving customer needs may require significant investments in R&D. Economic downturns and industry-specific challenges could impact demand for Ebix's products and services. Regulatory changes and compliance requirements may increase operational costs and complexity. The company's small market capitalization and high beta also contribute to investment risk. Investors should carefully consider these risks before investing in Ebix.
What are the key factors to evaluate for EBIX?
Ebix, Inc. (EBIX) holds an AI score of 45/100 (low). P/E: 0.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does EBIX data refresh on this page?
EBIX prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven EBIX's recent stock price performance?
Ebix, Inc. (EBIX) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Comprehensive suite of software and e-commerce services. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider EBIX overvalued or undervalued right now?
Ebix, Inc. (EBIX) trades at 0.6x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying EBIX?
Before investing in Ebix, Inc. (EBIX), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on provided company profile, financials, and AI insights.
- Analyst ratings and price targets may not be widely available due to limited coverage.
- Investment decisions should be based on individual risk tolerance and financial goals.