SmartFinancial

SmartFinancial EV/EBIT

The EV/EBIT (Enterprise Value to EBIT) of SmartFinancial (SMBK) as of Oct 6, 2026 is 11.48. In the previous year, EV/EBIT (Enterprise Value to EBIT) was 15.53 — a change of -26.09% (lower).

EV/EBIT

11.48

YoY

-26.09%

Last updated:

EV/EBIT (Enterprise Value to EBIT) of SmartFinancial is 2026 11.48 . EV/EBIT (Enterprise Value to EBIT) of SmartFinancial was 2025 15.53 . It decreases by -26.09% lower compared to the previous year.

The SmartFinancial EV/EBIT history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

EV/EBIT
Date
EV/EBIT
Jan 1, 2018
33.10 USD
Jan 1, 2019
21.11 USD
Jan 1, 2020
22.86 USD
Jan 1, 2021
15.93 USD
Jan 1, 2022
12.86 USD
Jan 1, 2023
19.49 USD
Jan 1, 2024
15.53 USD
Jan 1, 2025
11.48 USD
The SmartFinancial EV/EBIT history
YEAREV/EBITYoY
11.48-26.09%
15.53-20.31%
19.49+51.57%
12.86-19.28%
15.93-30.30%
22.86+8.27%
21.11-36.21%
33.10-46.36%
61.71-19.95%
77.08-65.61%
224.14-6.35%
239.35—
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SmartFinancial Valuation

Details

Historical Valuation Multiples

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Price-to-Earnings Ratio (P/E)

The P/E ratio divides SmartFinancial's share price by its earnings per share. It tells you how many years of current earnings you are "paying for" when you buy the stock. A P/E of 20 means you pay $20 for every $1 of annual earnings. The S&P 500 historically trades at an average P/E of roughly 15–17. A P/E significantly above that may signal high growth expectations; one below may indicate undervaluation — or declining business quality.

Price-to-Sales Ratio (P/S)

The P/S ratio divides market capitalization by total revenue. Unlike the P/E ratio, it works even for companies that are not yet profitable, making it essential for evaluating high-growth firms. A P/S below 1.0 may indicate undervaluation, while ratios above 10 are typically reserved for fast-growing tech or SaaS companies with high expected future margins.

Price-to-EBIT Ratio

This ratio relates SmartFinancial's market price to its operating earnings, excluding the effects of debt structure and tax jurisdiction. It is particularly useful for comparing companies across different countries or with different levels of leverage, because it focuses purely on operational profitability. Lower values suggest cheaper operational earnings.

How to Use This Chart

This chart plots SmartFinancial's valuation multiples over time. Compare the current P/E, P/S, and P/EBIT to their own historical averages — if the current ratio is well below the multi-year average, the stock may be relatively cheap compared to its own track record. Combine this with industry comparisons: a P/E that looks high in absolute terms may be justified if SmartFinancial grows earnings faster than its peers.

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.

Frequently Asked Questions about SmartFinancial stock

EV/EBIT (Enterprise Value to EBIT) of SmartFinancial is 11.48 in 2026.

EV/EBIT (Enterprise Value to EBIT) of SmartFinancial changed from 15.53 to 11.48, representing a -26.09% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of EV/EBIT (Enterprise Value to EBIT) SmartFinancial since 2006 – with annual values, charts, and detailed analysis.

The EV/EBIT ratio measures a company's enterprise value relative to its operating earnings. It accounts for debt, making it useful for comparing companies with different capital structures.

EV/EBIT = Enterprise Value / Earnings Before Interest and Taxes

To evaluate EV/EBIT (Enterprise Value to EBIT)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for EV/EBIT (Enterprise Value to EBIT).

A 'good' varies by industry and company stage. On Eulerpool, you can compare EV/EBIT (Enterprise Value to EBIT)'s SmartFinancial with sector peers and the industry average to assess whether it is attractive.

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Valuation — SmartFinancial

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