SmartFinancial

SmartFinancial EBIT

The EBIT of SmartFinancial (SMBK) as of Sep 26, 2026 is 61.50 M USD. In the previous year, EBIT was 45.46 M USD — a change of 35.29% (higher).

EBIT

61.50 MUSD

YoY

35.29%

Last updated:

In 2026, SmartFinancial's EBIT was 61.50 M USD, a 35.29% increase from the 45.46 M USD EBIT recorded in the previous year.

The SmartFinancial EBIT history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

EBIT
Date
EBIT
Jan 1, 2021
44.32 M USD
Jan 1, 2022
54.91 M USD
Jan 1, 2023
36.23 M USD
Jan 1, 2024
45.46 M USD
Jan 1, 2025
61.50 M USD
Jan 1, 2026 (e)
80.14 M USD
Jan 1, 2027 (e)
90.46 M USD
Jan 1, 2028 (e)
89.38 M USD
The SmartFinancial EBIT history
YEAREBITYoY
est89.38 MUSD-1.20%
est90.46 MUSD+12.88%
est80.14 MUSD+30.30%
61.50 MUSD+35.29%
45.46 MUSD+25.49%
36.23 MUSD-34.02%
54.91 MUSD+23.89%
44.32 MUSD+43.47%
30.89 MUSD-7.64%
33.45 MUSD+56.76%
21.34 MUSD+86.43%
11.44 MUSD+24.92%
9.16 MUSD+190.78%
3.15 MUSD+6.79%
2.95 MUSD+8.32%
2.72 MUSD+37.58%
1.98 MUSD+62.50%
1.22 MUSD-119.51%
-6.24 MUSD-53.81%
-13.51 MUSD-454.87%
3.81 MUSD+421.67%
730,037.00USD-92.01%
9.14 MUSD—
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SmartFinancial Revenue

SmartFinancial Revenue, Pre-Provision Profit, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2021
137.34 M USD
45.94 M USD
34.79 M USD
Jan 1, 2022
165.22 M USD
58.92 M USD
43.02 M USD
Jan 1, 2023
152.41 M USD
39.25 M USD
28.59 M USD
Jan 1, 2024
171.50 M USD
50.61 M USD
36.14 M USD
Jan 1, 2025
196.50 M USD
65.29 M USD
50.35 M USD
Jan 1, 2026 (e)
226.88 M USD
0.00 USD
63.72 M USD
Jan 1, 2027 (e)
247.81 M USD
0.00 USD
71.36 M USD
Jan 1, 2028 (e)
257.10 M USD
0.00 USD
71.53 M USD

SmartFinancial Margins

SmartFinancial stock margins

The SmartFinancial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of SmartFinancial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for SmartFinancial.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2021
66.55 %
25.33 %
Jan 1, 2022
64.34 %
26.04 %
Jan 1, 2023
74.24 %
18.76 %
Jan 1, 2024
70.49 %
21.07 %
Jan 1, 2025
66.77 %
25.62 %
Jan 1, 2026 (e)
0.00 %
28.09 %
Jan 1, 2027 (e)
0.00 %
28.79 %
Jan 1, 2028 (e)
0.00 %
27.82 %

SmartFinancial Stock analysis

What does SmartFinancial do? SmartFinancial Inc is a US-based financial services company founded in 1986. It is headquartered in Costa Mesa, California and offers a variety of financial services. The company's main goal is to help customers achieve their financial goals by providing them with the right financial instruments and services. Business Model The business model of SmartFinancial Inc is based on providing financial services and solutions tailored to the needs of individuals and businesses. The company offers a wide range of financial products and services, including insurance, loans, asset management, and investment services. Different Divisions of SmartFinancial Inc SmartFinancial Inc offers different divisions of financial products and services. These include, but are not limited to: 1. Insurance Customers can purchase various insurance policies through SmartFinancial Inc, including auto insurance, home insurance, liability insurance, life insurance, and health insurance. The company offers a wide range of insurance products to meet the individual needs of its customers. 2. Loans SmartFinancial Inc offers a variety of loans, including personal loans, mortgage loans, auto loans, and credit cards. The loans are tailored to the individual needs of customers and offered at competitive interest rates. 3. Asset Management The company provides asset management services to assist customers in managing their wealth. SmartFinancial Inc's asset management services include wealth planning, portfolio analysis, wealth growth, and tax planning, among others. 4. Investment Services SmartFinancial Inc offers investment services to help investors achieve their investment goals. The company offers a variety of investment options, including stocks, bonds, mutual funds, and ETFs. Products SmartFinancial Inc offers a wide range of financial products and services, including: 1. SmartAuto SmartAuto is an online car purchasing service that helps customers buy new or used cars. The service allows customers to search, compare, and purchase cars online, and offers a variety of financing options. 2. SmartCredit SmartCredit is an online credit portal that helps customers quickly apply for a loan as needed. The credit comparison service allows customers to compare different credit offers and select the best one based on their needs. 3. SmartRenters SmartRenters is an insurance service specifically designed for renters. The service offers customers affordable renters insurance with protection for personal property, liability insurance, and other important coverages. In summary, SmartFinancial Inc is a leading provider of financial services in the US. The company was founded with the goal of helping customers achieve their financial goals and offers a wide range of financial products and services to fulfill this mission. While the company is primarily known for its insurance offerings, it also provides a variety of loans, asset management services, and investment options. With innovative products like SmartAuto and SmartCredit, SmartFinancial Inc has revolutionized the online financial services industry and is a leading financial services provider in the US. SmartFinancial is one of the most popular companies on Eulerpool.

EBIT Details

Analyzing SmartFinancial's EBIT

SmartFinancial's Earnings Before Interest and Taxes (EBIT) represents the company's operating profit. It is calculated by deducting all operating expenses, including the cost of goods sold (COGS) and operating expenses, from the total revenue, but before accounting for interest and taxes. It provides insights into the company’s operational profitability, excluding the impacts of financing and tax structures.

Year-to-Year Comparison

A yearly comparison of SmartFinancial's EBIT can reveal trends in the company’s operational efficiency and profitability. An increase in EBIT over the years can indicate enhanced operational efficiency or growth in revenue, while a decrease might raise concerns about increased operating costs or declining sales.

Impact on Investments

SmartFinancial's EBIT is a significant metric for investors. A positive EBIT suggests that the company is generating enough revenue to cover its operating expenses, an essential aspect for assessing the company’s financial health and stability. Investors closely monitor EBIT to gauge the company’s profitability and potential for future growth.

Interpreting EBIT Fluctuations

Fluctuations in SmartFinancial’s EBIT can be due to variations in revenue, operating expenses, or both. An increasing EBIT indicates improved operational performance or increased sales, while a declining EBIT can signal rising operational costs or reduced revenue, prompting a need for strategic adjustments.

Frequently Asked Questions about SmartFinancial stock

EBIT of SmartFinancial is 61.50 M USD in 2026.

EBIT of SmartFinancial changed from 45.46 M USD to 61.50 M USD, representing a 35.29% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of EBIT SmartFinancial since 2006 – with annual values, charts, and detailed analysis.

"Earnings before interest and taxes", abbreviated as EBIT, is also referred to as the operating result of a company. It is a key figure that allows the profit to be assessed over a specific period of time, usually a fiscal year. Taxes and interest are not deducted from EBIT, making it suitable for international comparisons of different companies.

Net income
+ Tax expense
+ Interest expense and other financial expenses
- Interest income and other financial income
= EBIT (operating profit)

EBIT's USD is a key factor for investors. Changes in this metric can signal improving or deteriorating fundamentals, directly impacting the stock price. On Eulerpool, you can track EBIT's SmartFinancial historically and in real time.

The sales revenue is important for evaluating a stock.

EBIT is an acronym for "Earnings Before Interest and Tax" and represents a company's gross profit before taxes and interest are deducted. The EBIT amount is often used as a metric to evaluate a company.

History

The EBIT was originally introduced in the 1940s when the US Internal Revenue Service (IRS) passed a new tax law. This law required companies to calculate their profit before deducting taxes and interest on loans (or "interest and taxes"). Since then, the EBIT has been used as one of the key financial indicators in evaluating a company.

Usage

The EBIT can be used to assess a company by comparing its financial results to a benchmark or a comparative value. The EBIT is also used to determine how much the company's shareholders will receive from its operating income.

Calculation

EBIT is calculated by deducting taxes and interest on loans from the company's net profit. This amount can be calculated in various ways, but the most common method is as follows:

EBIT = Net profit + interest and taxes

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Net profit of XYZ Co. = $1,000,000
Interest and taxes = $ 500,000
EBIT of XYZ Co. = $1,500,000

Application

The EBIT value is often used to determine and evaluate the financial stability of a company. The EBIT value can also be used to determine how much money a company can spend on investments or dividends.

Use of EBIT in stock investment

Investors use EBIT to determine if a stock is over- or undervalued. If a company has a high EBIT value, it may indicate that its stock is overvalued, as the profit it generates could be lower than what it would generate with a different stock.

Advantages of EBIT

EBIT is a helpful measure for determining the financial stability of a company. There are several advantages associated with using EBIT, such as:
- EBIT eliminates the impact of financing on the company's earnings.
- It is a useful measure for determining the profits that a company can distribute to its shareholders.
- It can be used to determine whether a stock is overvalued or undervalued.

Disadvantages of EBIT

There are also some disadvantages to using EBIT, such as:
- EBIT cannot be used as the sole measure to evaluate a company as it does not reflect the overall profit of the company.
- EBIT can be influenced by unforeseen events such as a tax increase.
- EBIT is not always a reliable indicator of a company's future profit development.

Conclusion

The EBIT is an important measure used to evaluate a company. It can be used to determine how much money a company can generate from its operational results and whether a stock is overvalued or undervalued. However, the EBIT also has some disadvantages as it does not reflect the overall profitability of a company and can be influenced by unforeseen events. Therefore, it is important to consider the EBIT in conjunction with other financial indicators to obtain a complete picture of the company.

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Income Statement — SmartFinancial

All Key Metrics — SmartFinancial