SmartFinancial

SmartFinancial ROCE

The Return on Capital Employed (ROCE) of SmartFinancial (SMBK) as of Sep 26, 2026 is 11.13 %. In the previous year, Return on Capital Employed (ROCE) was 9.25 % — a change of 20.35% (higher).

ROCE

11.13 %

YoY

20.35%

Last updated:

In 2026, SmartFinancial's return on capital employed (ROCE) was 11.13 %, a 20.35% increase from the 9.25 % ROCE in the previous year.

The SmartFinancial ROCE history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROCE
Date
ROCE
Jan 1, 2018
7.54 USD
Jan 1, 2019
10.69 USD
Jan 1, 2020
0.97 USD
Jan 1, 2021
10.32 USD
Jan 1, 2022
12.70 USD
Jan 1, 2023
7.88 USD
Jan 1, 2024
9.25 USD
Jan 1, 2025
11.13 USD
The SmartFinancial ROCE history
YEARROCEYoY
11.13 %+20.35%
9.25 %+17.43%
7.88 %-37.96%
12.70 %+23.03%
10.32 %+963.92%
0.97 %-90.93%
10.69 %+41.86%
7.54 %+35.60%
5.56 %-36.14%
8.70 %+176.79%
3.14 %-40.42%
5.28 %—
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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.

ROCE Details

Unraveling SmartFinancial's Return on Capital Employed (ROCE)

SmartFinancial's Return on Capital Employed (ROCE) is a financial metric that measures the company's profitability and efficiency with respect to the capital employed. It is calculated by dividing earnings before interest and tax (EBIT) by the employed capital. A higher ROCE indicates that the company is effectively utilizing its capital to generate profits.

Year-to-Year Comparison

Analyzing SmartFinancial's ROCE annually provides valuable insights into its efficiency in using its capital to generate profits. An increasing ROCE indicates improved profitability and operational efficiency, whereas a decrease might signal potential issues in capital utilization or business operations.

Impact on Investments

SmartFinancial's ROCE is a critical factor for investors and analysts for evaluating the company’s efficiency and profitability. A higher ROCE can make the company an attractive investment, as it often signifies that the firm is generating adequate profits from its employed capital.

Interpreting ROCE Fluctuations

Changes in SmartFinancial’s ROCE are attributed to variations in EBIT or the capital employed. These fluctuations offer insights into the company’s operational efficiency, financial performance, and strategic financial management, assisting investors in making informed investment decisions.

Frequently Asked Questions about SmartFinancial stock

Return on Capital Employed (ROCE) of SmartFinancial is 11.13 % in 2026.

Return on Capital Employed (ROCE) of SmartFinancial changed from 9.25 % to 11.13 %, representing a 20.35% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Return on Capital Employed (ROCE) SmartFinancial since 2006 – with annual values, charts, and detailed analysis.

ROCE is a profitability measure and stands for Return on Capital Employed or the return on invested capital. The measure shows the ratio of operating profit to the interest-bearing capital employed. The higher the return on capital employed, the more profitable a company operates and the higher the important free cash flow. The free cash flow refers to the portion of profits that is not needed for expanding the company at the end of a period, but is available to shareholders.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Capital Employed (ROCE)'s SmartFinancial with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Capital Employed (ROCE)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Capital Employed (ROCE).

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Profitability — SmartFinancial

All Key Metrics — SmartFinancial