Hahaha ah the peanut gallery is back, with "don't even know what depreciation and amortisation are?" Wow, the fact that you are eluding to elementary terminology ( that you would learn in highschool ) in an effort to discredit the industry standard for valuing finance companies is laughable... I suggest a course at your local tafe, as clearly investopedia.com and finance for dummies is confusing you...
The only one who has embarrassed themselves is you my friend, you have countless bankers on here, telling you, that you are in fact wrong... and utterly clueless as to why you are even wrong.
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