ELVT Elevate Credit Inc

Price (delayed)

$3.41

Market cap

$114.57M

P/E Ratio

5.01

Dividend/share

N/A

EPS

$0.68

Enterprise value

$366.76M

Elevate, together with the banks that license its marketing and technology services, has originated $8.6 billion in non-prime credit to more than 2.5 million non-prime consumers to date and has ...

Highlights
Elevate Credit's EPS has surged by 79% YoY but it has decreased by 29% QoQ
The company's net income has surged by 59% YoY but it fell by 30% QoQ
The revenue has contracted by 41% YoY and by 9% from the previous quarter
ELVT's gross profit is down by 11% QoQ and by 9% YoY

Key stats

What are the main financial stats of ELVT
Market
Shares outstanding
33.6M
Market cap
$114.57M
Enterprise value
$366.76M
Valuations
Price to earnings (P/E)
5.01
Price to book (P/B)
0.77
Price to sales (P/S)
0.33
EV/EBIT
5.14
EV/EBITDA
4.09
EV/Sales
1.02
Earnings
Revenue
$359.16M
EBIT
$71.32M
EBITDA
$89.75M
Free cash flow
$131.33M
Per share
EPS
$0.68
Free cash flow per share
$3.8
Book value per share
$4.41
Revenue per share
$10.38
TBVPS
$16.41
Balance sheet
Total assets
$574.73M
Total liabilities
$417.08M
Debt
$361.83M
Equity
$157.65M
Working capital
N/A
Liquidity
Debt to equity
2.3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.81
Margins
EBITDA margin
25%
Gross margin
67.2%
Net margin
7.4%
Operating margin
23.5%
Efficiency
Return on assets
4.3%
Return on equity
16.1%
Return on invested capital
8.4%
Return on capital employed
N/A
Return on sales
19.9%
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
-3.13%
1 week
-8.58%
1 month
-10.26%
1 year
34.78%
YTD
-14.54%
QTD
-17.43%

Financial performance

How have Elevate Credit's revenue and profit performed over time
Revenue
$359.16M
Gross profit
$241.39M
Operating income
$84.23M
Net income
$26.62M
Gross margin
67.2%
Net margin
7.4%
Elevate Credit's net margin has soared by 174% YoY but it has decreased by 24% from the previous quarter
The company's net income has surged by 59% YoY but it fell by 30% QoQ
The gross margin has surged by 54% year-on-year but it has declined by 3% since the previous quarter
The revenue has contracted by 41% YoY and by 9% from the previous quarter

Growth

What is Elevate Credit's growth rate over time

Valuation

What is Elevate Credit stock price valuation
P/E
5.01
P/B
0.77
P/S
0.33
EV/EBIT
5.14
EV/EBITDA
4.09
EV/Sales
1.02
Elevate Credit's EPS has surged by 79% YoY but it has decreased by 29% QoQ
The P/E is 2.2% above the last 4 quarters average of 4.9
ELVT's P/B is 55% below its 5-year quarterly average of 1.7 but 10% above its last 4 quarters average of 0.7
The equity has declined by 6% since the previous quarter
The revenue has contracted by 41% YoY and by 9% from the previous quarter
The stock's price to sales (P/S) is 10% more than its 5-year quarterly average of 0.3 and 10% more than its last 4 quarters average of 0.3

Efficiency

How efficient is Elevate Credit business performance
The ROA has soared by 87% YoY but it has contracted by 28% from the previous quarter
ELVT's return on equity is up by 46% year-on-year but it is down by 31% since the previous quarter
Elevate Credit's return on sales has increased by 44% YoY but it has decreased by 17% QoQ
The ROIC has contracted by 23% from the previous quarter but it has grown by 14% YoY

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 38% higher than its total liabilities
The company's total liabilities fell by 14% YoY but it rose by 5% QoQ
Elevate Credit's total assets has decreased by 10% YoY
Elevate Credit's debt is 130% more than its equity
The company's debt to equity fell by 20% YoY but it rose by 9% QoQ
Elevate Credit's debt has decreased by 20% YoY but it has increased by 2.7% from the previous quarter

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