ELVT Elevate Credit, Inc.

Price (delayed)

$2.91

Market cap

$110.78M

P/E Ratio

3.78

Dividend/share

N/A

EPS

$0.77

Enterprise value

$334.18M

Sector: Financial Services
Industry: Credit Services
Elevate Credit, Inc. engages in provision of online financial services for subprime credit consumers. It offers online credit solutions to consumers in the U.S. and the United Kingdom who are not well-served by traditional bank products and who are looking for options than payday loans, title loans, pawn, and storefront installment loans. The company was founded on January 31, 2014 and is headquartered in Fort Worth, TX.

Highlights

Elevate Credit's EPS has surged by 103% QoQ and by 20% YoY
The company's net income has surged by 98% QoQ and by 18% YoY
The revenue has contracted by 19% YoY and by 11% from the previous quarter

Key stats

What are the main financial stats of ELVT
Market
Shares outstanding
38.07M
Market cap
$110.78M
Enterprise value
$334.18M
Valuations
Price to earnings (P/E)
3.78
Price to book (P/B)
0.69
Price to sales (P/S)
0.2
EV/EBIT
3.23
EV/EBITDA
2.77
EV/Sales
0.58
Earnings
Revenue
$576.53M
EBIT
$103.36M
EBITDA
$120.73M
Free cash flow
$263.39M
Per share
EPS
$0.77
Free cash flow per share
$6.55
Book value per share
$4.2
Revenue per share
$14.33
TBVPS
$16.32
Balance sheet
Total assets
$664.36M
Total liabilities
$492.85M
Debt
$450.79M
Equity
$171.51M
Working capital
N/A
Liquidity
Debt to equity
2.63
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.85
Margins
EBITDA margin
20.9%
Gross margin
51.5%
Net margin
5.7%
Operating margin
21.1%
Efficiency
Return on assets
4.7%
Return on equity
20.9%
Return on invested capital
9.9%
Return on capital employed
N/A
Return on sales
17.9%
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
1.39%
1 week
2.83%
1 month
5.43%
1 year
-26.14%
YTD
-34.61%
QTD
13.23%

Financial performance

How have Elevate Credit's revenue and profit performed over time
Revenue
$576.53M
Gross profit
$296.91M
Operating income
$121.88M
Net income
$33.01M
Gross margin
51.5%
Net margin
5.7%
Elevate Credit's net margin has soared by 119% from the previous quarter and by 46% YoY
The company's net income has surged by 98% QoQ and by 18% YoY
The company's operating margin rose by 36% YoY and by 29% QoQ
The gross margin has increased by 29% year-on-year and by 19% since the previous quarter

Growth

What is Elevate Credit's growth rate over time

Valuation

What is Elevate Credit stock price valuation
P/E
3.78
P/B
0.69
P/S
0.2
EV/EBIT
3.23
EV/EBITDA
2.77
EV/Sales
0.58
Elevate Credit's EPS has surged by 103% QoQ and by 20% YoY
The P/E is 10% below the last 4 quarters average of 4.2
The equity has grown by 18% year-on-year and by 10% since the previous quarter
ELVT's P/B is 15% above its last 4 quarters average of 0.6
The revenue has contracted by 19% YoY and by 11% from the previous quarter

Efficiency

How efficient is Elevate Credit business performance
The ROA has soared by 104% from the previous quarter and by 27% YoY
ELVT's return on equity has surged by 90% since the previous quarter
Elevate Credit's return on sales has increased by 36% QoQ and by 17% YoY
The ROIC has grown by 30% from the previous quarter and by 10% 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 35% higher than its total liabilities
Elevate Credit's total assets has decreased by 13% YoY but it has increased by 3.9% QoQ
Elevate Credit's debt is 163% more than its equity
The company's debt to equity fell by 32% YoY and by 9% QoQ
The equity has grown by 18% year-on-year and by 10% since the previous quarter

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