ELVT Elevate Credit Inc

Price (delayed)

$3.59

Market cap

$128.35M

P/E Ratio

3.74

Dividend/share

N/A

EPS

$0.96

Enterprise value

$337.35M

Highlights
The company's net income has surged by 175% YoY and by 86% QoQ
Elevate Credit's EPS has surged by 92% QoQ
ELVT's gross profit is up by 4.8% YoY but it is down by 2.8% QoQ
The revenue has contracted by 39% YoY and by 16% from the previous quarter

Key stats

What are the main financial stats of ELVT
Market
Shares outstanding
35.75M
Market cap
$128.35M
Enterprise value
$337.35M
Valuations
Price to earnings (P/E)
3.74
Price to book (P/B)
0.79
Price to sales (P/S)
0.33
EV/EBIT
3.56
EV/EBITDA
2.99
EV/Sales
0.86
Earnings
Revenue
$392.61M
EBIT
$94.67M
EBITDA
$112.64M
Free cash flow
$152.64M
Per share
EPS
$0.96
Free cash flow per share
$4.17
Book value per share
$4.53
Revenue per share
$10.73
TBVPS
$15.24
Balance sheet
Total assets
$564.34M
Total liabilities
$397.37M
Debt
$352.33M
Equity
$166.97M
Working capital
N/A
Liquidity
Debt to equity
2.11
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.86
Margins
EBITDA margin
28.7%
Gross margin
69.3%
Net margin
9.7%
Operating margin
29.8%
Efficiency
Return on assets
6%
Return on equity
23.2%
Return on invested capital
10.9%
Return on capital employed
N/A
Return on sales
24.1%
Dividend
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A

ELVT stock price

How has the Elevate Credit stock price performed over time
Intraday
2.87%
1 week
2.28%
1 month
-9.57%
1 year
103.98%
YTD
-10.03%
QTD
0.56%

Financial performance

How have Elevate Credit's revenue and profit performed over time
Revenue
$392.61M
Gross profit
$272.11M
Operating income
$117.05M
Net income
$38.22M
Gross margin
69.3%
Net margin
9.7%
The company's net income has surged by 175% YoY and by 86% QoQ
Elevate Credit's net margin has soared by 120% from the previous quarter
The company's operating margin has surged by 103% YoY and by 16% QoQ
The gross margin has surged by 71% year-on-year and by 15% since the previous quarter

Growth

What is Elevate Credit's growth rate over time

Valuation

What is Elevate Credit stock price valuation
P/E
3.74
P/B
0.79
P/S
0.33
EV/EBIT
3.56
EV/EBITDA
2.99
EV/Sales
0.86
Elevate Credit's EPS has surged by 92% QoQ
The P/E is 19% below the last 4 quarters average of 4.6
ELVT's P/B is 54% below its 5-year quarterly average of 1.7 but 32% above its last 4 quarters average of 0.6
The equity has grown by 13% year-on-year
The stock's price to sales (P/S) is 65% more than its last 4 quarters average of 0.2 and 10% more than its 5-year quarterly average of 0.3
The revenue has contracted by 39% YoY and by 16% from the previous quarter

Efficiency

How efficient is Elevate Credit business performance
ELVT's return on equity has surged by 147% year-on-year and by 80% since the previous quarter
The ROA has soared by 100% from the previous quarter
Elevate Credit's return on sales has surged by 93% YoY and by 39% QoQ
The ROIC has soared by 63% YoY and by 30% from the previous quarter

Dividends

What is ELVT's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A

There are no recent dividends present for ELVT.

Financial health

How did Elevate Credit financials performed over time
Elevate Credit's total assets is 42% higher than its total liabilities
The company's total liabilities fell by 31% YoY and by 21% QoQ
Elevate Credit's total assets has decreased by 22% YoY and by 16% QoQ
Elevate Credit's debt is 111% more than its equity
The company's debt to equity fell by 41% YoY and by 23% QoQ
Elevate Credit's debt has decreased by 33% YoY and by 22% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.