ELVT Elevate Credit Inc

Price (delayed)

$4.39

Market cap

$161.72M

P/E Ratio

8.78

Dividend/share

N/A

EPS

$0.5

Enterprise value

$410.96M

Sector: Financial Services
Industry: Credit Services

Highlights

The gross margin has increased by 45% year-on-year and by 16% since the previous quarter
Elevate Credit's debt has decreased by 17% YoY
ELVT's gross profit is up by 6% YoY but it is down by 2.5% QoQ
The equity has grown by 4.7% year-on-year but it has declined by 4.5% since the previous quarter
The P/E is 91% above the last 4 quarters average of 4.6
The company's net income fell by 38% QoQ and by 36% YoY

Key stats

What are the main financial stats of ELVT
Market
Shares outstanding
36.84M
Market cap
$161.72M
Enterprise value
$410.96M
Valuations
Price to earnings (P/E)
8.78
Price to book (P/B)
1.02
Price to sales (P/S)
0.39
EV/EBIT
5.1
EV/EBITDA
4.19
EV/Sales
0.88
Earnings
Revenue
$465.35M
EBIT
$80.52M
EBITDA
$98.13M
Free cash flow
$195.28M
Per share
EPS
$0.5
Free cash flow per share
$4.77
Book value per share
$4.3
Revenue per share
$11.37
TBVPS
$16.17
Balance sheet
Total assets
$669.6M
Total liabilities
$505.74M
Debt
$450.36M
Equity
$163.86M
Working capital
N/A
Liquidity
Debt to equity
2.75
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.54
Margins
EBITDA margin
21.1%
Gross margin
60.2%
Net margin
4.4%
Operating margin
25.8%
Efficiency
Return on assets
3%
Return on equity
12.9%
Return on invested capital
8.4%
Return on capital employed
N/A
Return on sales
17.3%
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
-4.15%
1 week
3.29%
1 month
4.77%
1 year
37.19%
YTD
10.03%
QTD
10.03%

Financial performance

How have Elevate Credit's revenue and profit performed over time
Revenue
$465.35M
Gross profit
$280.03M
Operating income
$120.21M
Net income
$20.59M
Gross margin
60.2%
Net margin
4.4%
The company's operating margin has surged by 62% YoY and by 21% QoQ
The gross margin has increased by 45% year-on-year and by 16% since the previous quarter
The company's net income fell by 38% QoQ and by 36% YoY
The revenue has contracted by 27% YoY and by 16% from the previous quarter

Growth

What is Elevate Credit's growth rate over time

Valuation

What is Elevate Credit stock price valuation
P/E
8.78
P/B
1.02
P/S
0.39
EV/EBIT
5.1
EV/EBITDA
4.19
EV/Sales
0.88
The P/E is 91% above the last 4 quarters average of 4.6
Elevate Credit's EPS has decreased by 35% QoQ and by 32% YoY
ELVT's P/B is 70% above its last 4 quarters average of 0.6
The equity has grown by 4.7% year-on-year but it has declined by 4.5% since the previous quarter
The stock's price to sales (P/S) is 95% more than its last 4 quarters average of 0.2
The revenue has contracted by 27% YoY and by 16% from the previous quarter

Efficiency

How efficient is Elevate Credit business performance
ELVT's return on equity is down by 42% year-on-year and by 38% since the previous quarter
The ROA has contracted by 36% from the previous quarter and by 29% YoY
The ROIC has contracted by 14% from the previous quarter and by 4.5% YoY
Elevate Credit's return on sales has decreased by 6% QoQ but it has increased by 3.6% 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 32% higher than its total liabilities
The company's total liabilities fell by 19% YoY but it rose by 2.6% QoQ
Elevate Credit's debt is 175% more than its equity
The company's debt to equity fell by 20% YoY but it rose by 4.6% QoQ
The equity has grown by 4.7% year-on-year but it has declined by 4.5% since the previous quarter

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