ELEVATE CREDIT INC (ELVT) Fundamental Analysis & Valuation

NYSE:ELVT • US28621V1017

Current stock price

1.87 USD
+0.01 (+0.54%)
Last:

This ELVT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. ELVT Profitability Analysis

1.1 Basic Checks

  • ELVT had negative earnings in the past year.
  • ELVT had a positive operating cash flow in the past year.
ELVT Yearly Net Income VS EBIT VS OCF VS FCFELVT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 0 100M 200M 300M

1.2 Ratios

  • ELVT has negative profitability rations, so we won't be analyzing them here.
Industry RankSector Rank
ROA N/A
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ELVT Yearly ROA, ROE, ROICELVT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 0 -50 -100 -150

1.3 Margins

  • ELVT's Operating Margin has declined in the last couple of years.
  • ELVT has a Gross Margin (47.10%) which is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of ELVT has remained more or less at the same level.
  • ELVT does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 47.1%
OM growth 3Y-27.28%
OM growth 5Y-10.84%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.04%
GM growth 5Y0.21%
ELVT Yearly Profit, Operating, Gross MarginsELVT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 0 20 40 60 80

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4

2. ELVT Health Analysis

2.1 Basic Checks

  • ELVT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, ELVT has less shares outstanding
  • The debt/assets ratio for ELVT is higher compared to a year ago.
ELVT Yearly Shares OutstandingELVT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M
ELVT Yearly Total Debt VS Total AssetsELVT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 200M 400M 600M

2.2 Solvency

  • Based on the Altman-Z score of 0.76, we must say that ELVT is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.76, ELVT is in line with its industry, outperforming 56.60% of the companies in the same industry.
  • ELVT has a debt to FCF ratio of 3.99. This is a good value and a sign of high solvency as ELVT would need 3.99 years to pay back of all of its debts.
  • ELVT has a Debt to FCF ratio of 3.99. This is amongst the best in the industry. ELVT outperforms 81.13% of its industry peers.
  • ELVT has a Debt/Equity ratio of 3.31. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 3.31, ELVT is not doing good in the industry: 66.04% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.31
Debt/FCF 3.99
Altman-Z 0.76
ROIC/WACCN/A
WACC7.16%
ELVT Yearly LT Debt VS Equity VS FCFELVT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 100M 200M 300M 400M 500M

2.3 Liquidity

  • A Current Ratio of 1.72 indicates that ELVT should not have too much problems paying its short term obligations.
  • ELVT's Current ratio of 1.72 is fine compared to the rest of the industry. ELVT outperforms 62.26% of its industry peers.
  • A Quick Ratio of 1.72 indicates that ELVT should not have too much problems paying its short term obligations.
  • ELVT has a better Quick ratio (1.72) than 62.26% of its industry peers.
Industry RankSector Rank
Current Ratio 1.72
Quick Ratio 1.72
ELVT Yearly Current Assets VS Current LiabilitesELVT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. ELVT Growth Analysis

3.1 Past

  • ELVT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1284.62%.
  • Looking at the last year, ELVT shows a very strong growth in Revenue. The Revenue has grown by 31.56%.
  • The Revenue has been decreasing by -6.42% on average over the past years.
EPS 1Y (TTM)-1284.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%42.86%
Revenue 1Y (TTM)31.56%
Revenue growth 3Y-19.09%
Revenue growth 5Y-6.42%
Sales Q2Q%11.33%

3.2 Future

  • The Earnings Per Share is expected to grow by 54.39% on average over the next years. This is a very strong growth
  • ELVT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.58% yearly.
EPS Next Y-22.8%
EPS Next 2Y54.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.85%
Revenue Next 2Y9.58%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ELVT Yearly Revenue VS EstimatesELVT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M
ELVT Yearly EPS VS EstimatesELVT Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 0 0.5 -0.5 -1

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5

4. ELVT Valuation Analysis

4.1 Price/Earnings Ratio

  • ELVT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Based on the Price/Forward Earnings ratio of 4.78, the valuation of ELVT can be described as very cheap.
  • ELVT's Price/Forward Earnings ratio is rather cheap when compared to the industry. ELVT is cheaper than 86.79% of the companies in the same industry.
  • ELVT is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 4.78
ELVT Price Earnings VS Forward Price EarningsELVT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 5 10 15 20

4.2 Price Multiples

  • ELVT's Enterprise Value to EBITDA is on the same level as the industry average.
  • 98.11% of the companies in the same industry are more expensive than ELVT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.42
EV/EBITDA 33.3
ELVT Per share dataELVT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

  • ELVT's earnings are expected to grow with 54.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y54.39%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ELVT Dividend Analysis

5.1 Amount

  • No dividends for ELVT!.
Industry RankSector Rank
Dividend Yield N/A

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ELVT Fundamentals: All Metrics, Ratios and Statistics

ELEVATE CREDIT INC

NYSE:ELVT (2/27/2023, 8:04:00 PM)

1.87

+0.01 (+0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-13
Earnings (Next)05-02
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners43.91%
Ins Owner Change0%
Market Cap58.83M
Revenue(TTM)497.00M
Net Income(TTM)-67.77M
Analysts43.33
Price Target2.55 (36.36%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)49.05%
Min EPS beat(2)47.01%
Max EPS beat(2)51.1%
EPS beat(4)2
Avg EPS beat(4)-21.53%
Min EPS beat(4)-159.17%
Max EPS beat(4)51.1%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-3.64%
Min Revenue beat(2)-5.4%
Max Revenue beat(2)-1.88%
Revenue beat(4)0
Avg Revenue beat(4)-2.32%
Min Revenue beat(4)-5.4%
Max Revenue beat(4)-0.8%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.73%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 4.78
P/S 0.12
P/FCF 0.42
P/OCF 0.36
P/B 0.35
P/tB 0.36
EV/EBITDA 33.3
EPS(TTM)-1.8
EYN/A
EPS(NY)0.39
Fwd EY20.92%
FCF(TTM)4.46
FCFY238.59%
OCF(TTM)5.15
OCFY275.56%
SpS15.8
BVpS5.38
TBVpS5.15
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 47.1%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-27.28%
OM growth 5Y-10.84%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.04%
GM growth 5Y0.21%
F-Score5
Asset Turnover0.63
Health
Industry RankSector Rank
Debt/Equity 3.31
Debt/FCF 3.99
Debt/EBITDA 34.14
Cap/Depr 126.95%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.72
Quick Ratio 1.72
Altman-Z 0.76
F-Score5
WACC7.16%
ROIC/WACCN/A
Cap/Depr(3y)97.94%
Cap/Depr(5y)133.7%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1284.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%42.86%
EPS Next Y-22.8%
EPS Next 2Y54.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)31.56%
Revenue growth 3Y-19.09%
Revenue growth 5Y-6.42%
Sales Q2Q%11.33%
Revenue Next Year17.85%
Revenue Next 2Y9.58%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-101.52%
EBIT growth 3Y-41.16%
EBIT growth 5Y-16.56%
EBIT Next Year68.15%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-47.82%
FCF growth 3Y-25.42%
FCF growth 5Y-10.39%
OCF growth 1Y-43.06%
OCF growth 3Y-24.46%
OCF growth 5Y-8.88%

ELEVATE CREDIT INC / ELVT Fundamental Analysis FAQ

What is the ChartMill fundamental rating of ELEVATE CREDIT INC (ELVT) stock?

ChartMill assigns a fundamental rating of 3 / 10 to ELVT.


What is the valuation status of ELEVATE CREDIT INC (ELVT) stock?

ChartMill assigns a valuation rating of 3 / 10 to ELEVATE CREDIT INC (ELVT). This can be considered as Overvalued.


Can you provide the profitability details for ELEVATE CREDIT INC?

ELEVATE CREDIT INC (ELVT) has a profitability rating of 1 / 10.