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In this Coffee Break episode of Business Refocused, Carey and Lindsay break down one of the most important financial metrics for independent insurance agencies: EBITDA.
They explain what EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) actually means, how to calculate it, and why it's a critical measure of your agency's true operating profitability. Whether you're focused on growth, acquisitions, or maximizing your agency's value, understanding EBITDA helps you make better financial decisions.
Key takeaways include:
- What EBITDA is and why it matters
- How to calculate EBITDA from your profit and loss statement
- Why owner compensation and discretionary expenses should be adjusted
- The role of one-time expenses in measuring profitability
- How EBITDA impacts agency valuation and acquisition planning
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