Cash America International (Cash America International) EBIT : $61 Mil (TTM As of Jun. 2016)

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What is Cash America International EBIT?

Cash America International's earnings before interest and taxes (EBIT) for the three months ended in Jun. 2016 was $7 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Jun. 2016 was $61 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Cash America International's annualized ROC % for the quarter that ended in Jun. 2016 was 1.50%. Cash America International's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2016 was 8.26%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Cash America International's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Jun. 2016 was 5.81%.

Cash America International EBIT Historical Data

The historical data trend for Cash America International's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Cash America International EBIT Chart

Cash America International Annual Data

Trend

Dec06

Dec07

Dec08

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

EBIT

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243.05

110.50

80.30

18.17

57.50

Cash America International Quarterly Data
	Sep11	Dec11	Mar12	Jun12	Sep12	Dec12	Mar13	Jun13	Sep13	Dec13	Mar14	Jun14	Sep14	Dec14	Mar15	Jun15	Sep15	Dec15	Mar16	Jun16
EBIT	Get a 7-Day Free Trial															6.82	11.54	22.74	19.87	6.58

Competitive Comparison of Cash America International's EBIT

For the Credit Services subindustry, Cash America International's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Cash America International's EV-to-EBIT Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Cash America International's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Cash America International's EV-to-EBIT falls into.

Cash America International EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Jun. 2016 adds up the quarterly data reported by the company within the most recent 12 months, which was $61 Mil.

Cash America International (NYSE:CSH) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Cash America International's annualized ROC % for the quarter that ended in Jun. 2016 is calculated as:

	ROC % (Q: Jun. 2016 )
=	NOPAT	/	Average Invested Capital
=	Operating Income * ( 1 - Tax Rate % )	/	( (Invested Capital (Q: Mar. 2016 )	+	Invested Capital (Q: Jun. 2016 ))	/ count )
=	26.292 * ( 1 - 33.25% )	/	( (1158.048	+	1184.71)	/ 2 )
=	17.54991	/	1171.379
=	1.50 %

where

	Invested Capital		(Q: Mar. 2016 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	1310.815	-	64.078	-	( 88.689	-	max(0, 85.633	-	613.829	+	88.689	))
=	1158.048

	Invested Capital		(Q: Jun. 2016 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	1314.157	-	62.349	-	( 67.098	-	max(0, 83.962	-	626.681	+	67.098	))
=	1184.71

Note: The Operating Income data used here is four times the quarterly (Jun. 2016) data.

2. Joel Greenblatt's definition of Return on Capital:

Cash America International's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2016 is calculated as:

	ROC (Joel Greenblatt) %		(Q: Jun. 2016 )
=	EBIT	/	Average of (Net fixed Assets	+	Net Working Capital)
=	EBIT	/	Average of (Property, Plant and Equipment	+	Net Working Capital)
			Q: Mar. 2016		Q: Jun. 2016
=	EBIT	/	( ( (Property, Plant and Equipment + Net Working Capital)	+	(Property, Plant and Equipment + Net Working Capital) )	/	count )
=	26.316	/	( ( (164.245 + max(159.855, 0))	+	(155.779 + max(157.382, 0)) )	/	2 )
=	26.316	/	( ( 324.1	+	313.161 )	/	2 )
=	26.316	/	318.6305
=	8.26 %

where Working Capital is:

	Working Capital		(Q: Mar. 2016 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(0	+	223.66	+	21.828)	-	(64.078	+	21.555	+	-1.4210854715202E-14)
=	159.855

	Working Capital		(Q: Jun. 2016 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(0	+	218.262	+	23.082)	-	(62.349	+	21.613	+	1.4210854715202E-14)
=	157.382

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Jun. 2016) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Cash America International's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %	=	EBIT (TTM)	/	Enterprise Value (Q: Jun. 2016 )
	=	60.736	/	1045.820
	=	5.81 %

Cash America International EBIT Related Terms

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Cash America International (Cash America International) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Cash America International Inc (NYSE:CSH) » Definitions » EBIT

Comparable Companies

Traded in Other Exchanges

N/A

Address

Website

http://www.cashamerica.com

Cash America International Inc was incorporated in 1984. The Company and its subsidiaries provide specialty financial services to individuals through retail services locations and e-commerce activities. It has two reportable segments: retail services and e-commerce. The retail services segment includes all of the operations of the Company's Retail Services Division, which is composed of both domestic and foreign storefront locations that offer some or all of the following services: pawn lending, consumer loans, check cashing and other ancillary services such as money orders, wire transfers and pre-paid debit cards. (Its ancillary services are provided through third-party vendors.) The e-commerce segment includes the operations of the Company's E-Commerce Division, which is composed of the Company's domestic and foreign online lending channels and the Company's MLOC channel. It offers short-term cash advances exclusively over the internet under the name CashNetUSA in the United States, under the name QuickQuid in the United Kingdom and under the name DollarsDirect in Australia and Canada. The Company operates its locations under the trade names Cash America Pawn, Cash America Payday Advance, Cashland, Mr. Payroll, SuperPawn, CashNetUSA QuickQuid, DollarsDirect and Prenda Facil. The Company's marks Cash America, Cashland, SuperPawn, CashNetUSA and Mr. Payroll are registered with the United States Patent and Trademark Office. The mark Prenda Facil is registered with the Mexican Industrial Property Institute. The principal competitors for its e-commerce segment in the United States include Miami Nation Enterprises, Integrity Advance, Think Finance and certain offshore lenders. In the United Kingdom, the Company believes that its principal online competitors include PaydayUK, PaydayExpress, Wonga and Lending Stream. In Australia, the Company believes its main online competitors are Nimble, Cash Converters and First Stop Money. In Canada, the industry has been dominated by storefront lenders and as a result, the Company's principal competitors are not online lenders but storefront lenders, such as Money Mart, The Cash Store and Cash Money. The Company's operations are subject to regulation, supervision and licensing under various federal, state and local statutes, ordinances and regulations.

Executives

James H Graves	director	ERWIN GRAVES & ASSOCIATES, 2100 MCKINNEY AVE STE 900, DALLAS TX 75205
Daniel E Berce	director	801 CHERRY STREET, SUITE 3900, C/O GM FINANCIAL COMPANY, INC., FORT WORTH TX 76102
Daniel R Feehan	director	CASH AMERICA INTL INC, 1600 W &TH ST, FORT WORTH TX 76102
Thomas Brent Stuart	director, officer: President and CEO	1600 W. 7TH STREET, FORT WORTH TX 76102
B D Hunter	director
Timothy S Ho	officer: President - E-Commerce Div.	C/O ONEMAIN HOLDINGS, INC., 601 N.W. SECOND STREET, EVANSVILLE IN 47708
David Fisher	officer: CEO of E-Commerce Division	39 SOUTH LASALLE STREET, SUITE 220, CHICAGO IL 60605
Morris Clifton H Jr	director	C/O AMERICREDIT CORP, 801 CHERRY ST, FORT WORTH TX 76102