NFSE (nFinanSe) EBIT: $-7.47 Mil (TTM As of Sep. 2011)


What is nFinanSe EBIT?

nFinanSe NFSE EBIT is $-7.47 Mil as of Sep. 2011.

nFinanSe's earnings before interest and taxes (EBIT) for the three months ended in Sep. 2011 was $-1.46 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Sep. 2011 was $-7.47 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. nFinanSe's annualized ROC % for the quarter that ended in Sep. 2011 was -256.84%. nFinanSe's annualized ROC (Joel Greenblatt) % for the quarter that ended in Sep. 2011 was -309.19%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. nFinanSe's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Sep. 2011 was -124,433.33%.

nFinanSe  (OTCPK:NFSE) EBIT Explanation

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

nFinanSe's annualized ROC % for the quarter that ended in Sep. 2011 is calculated as:

ROC % (Q: Sep. 2011 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2011 ) + Invested Capital (Q: Sep. 2011 ))/ count )
=-5.856 * ( 1 - 0% )/( (2.062 + 2.498)/ 2 )
=-5.856/2.28
=-256.84 %

where

Invested Capital(Q: Jun. 2011 )
=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))
=4.805 - 1.289 - ( 1.454 - max(0, 2.57 - 4.511+1.454))
=2.062

Invested Capital(Q: Sep. 2011 )
=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))
=5.121 - 1.105 - ( 1.518 - max(0, 3.118 - 4.867+1.518))
=2.498

Note: The Operating Income data used here is four times the quarterly (Sep. 2011) data.

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

nFinanSe's annualized ROC (Joel Greenblatt) % for the quarter that ended in Sep. 2011 is calculated as:

ROC (Joel Greenblatt) %(Q: Sep. 2011 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Jun. 2011  Q: Sep. 2011
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-5.856/( ( (0.241 + max(1.436, 0)) + (0.201 + max(1.91, 0)) )/ 2 )
=-5.856/( ( 1.677 + 2.111 )/ 2 )
=-5.856/1.894
=-309.19 %

where Working Capital is:

Working Capital(Q: Jun. 2011 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(1.245 + 0.501 + 1.01) - (1.289 + 0.031 + 0)
=1.436

Working Capital(Q: Sep. 2011 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.651 + 0.301 + 2.076) - (1.105 + 0.013 + 0)
=1.91

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Sep. 2011) EBIT data.

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

nFinanSe's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Sep. 2011 )
=-7.466/0.006
=-124,433.33 %

* 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.

nFinanSe EBIT Related Terms

nFinanSe EBIT Historical Data

* Premium members only.

The historical data trend for nFinanSe'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.

nFinanSe EBIT Chart

nFinanSe Annual Data
Trend Aug01 Aug02 Aug03 Sep04 Sep05 Sep06 Dec07 Dec08 Dec09 Dec10
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only -8.30 -10.15 -13.99 -10.65 -9.18

nFinanSe Quarterly Data
Dec06 Mar07 Jun07 Sep07 Dec07 Mar08 Jun08 Sep08 Dec08 Mar09 Jun09 Sep09 Dec09 Mar10 Jun10 Sep10 Dec10 Mar11 Jun11 Sep11
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -2.11 -2.16 -1.99 -1.85 -1.46

NFSE vs DHCPQ: EBIT Comparison

For the Mortgage Finance subindustry, nFinanSe'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.

nFinanSe EV-to-EBIT vs Banks Industry

For the Banks industry and Financial Services sector, nFinanSe's EV-to-EBIT distribution charts can be found below:

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


nFinanSe 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 Sep. 2011 adds up the quarterly data reported by the company within the most recent 12 months, which was $-7.47 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $-7.47 Mil mean?
nFinanSe (NFSE) has a EBIT of $-7.47 Mil as of Sep. 2011. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on nFinanSe.
Is nFinanSe's EBIT too high?
nFinanSe's current EBIT is $-7.47 Mil.
How does nFinanSe's EBIT compare to DHCPQ?
nFinanSe's EBIT of $-7.47 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Banks company?
A good EBIT depends on the Banks industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on nFinanSe. nFinanSe's current EBIT is $-7.47 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is nFinanSe stock overvalued right now?
nFinanSe (NFSE) has a current EBIT of $-7.47 Mil. The current EBIT is $-7.47 Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For nFinanSe (NFSE), the current EBIT is $-7.47 Mil as of Sep. 2011. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

nFinanSe Business Description

Address P.O. Box 89233, Tampa, FL, USA, 33619
nFinanSe Inc is a United States based provider of stored value cards for a variety of markets, including grocery stores, convenience stores and general merchandise stores.