ELEVATE CREDIT INC (ELVT)

US28621V1017 - Common Stock

1.87  +0.01 (+0.54%)

Fundamental Rating

3

ELVT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 51 industry peers in the Consumer Finance industry. While ELVT seems to be doing ok healthwise, there are quite some concerns on its profitability. ELVT is not valued too expensively and it also shows a decent growth rate.



Quickly go to:

2

1. Profitability

1.1 Basic Checks

ELVT had negative earnings in the past year.
In the past year ELVT had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: ELVT reported negative net income in multiple years.
Each year in the past 5 years ELVT had a positive operating cash flow.

1.2 Ratios

The profitability ratios for ELVT are negative, so there is not much use analyzing them.
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

1.3 Margins

In the last couple of years the Operating Margin of ELVT has declined.
The Gross Margin of ELVT (47.10%) 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%

More info and screens

4

2. Health

2.1 Basic Checks

ELVT does not have a ROIC to compare to the WACC, probably because it is not profitable.
ELVT has less shares outstanding than it did 1 year ago.
The debt/assets ratio for ELVT is higher compared to a year ago.

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.
ELVT has a Altman-Z score (0.76) which is in line with its industry peers.
The Debt to FCF ratio of ELVT is 3.99, which is a good value as it means it would take ELVT, 3.99 years of fcf income to pay off all of its debts.
ELVT's Debt to FCF ratio of 3.99 is amongst the best of the industry. ELVT outperforms 81.13% of its industry peers.
A Debt/Equity ratio of 3.31 is on the high side and indicates that ELVT has dependencies on debt financing.
ELVT has a Debt to Equity ratio of 3.31. This is in the lower half of the industry: ELVT underperforms 66.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.31
Debt/FCF 3.99
Altman-Z 0.76
ROIC/WACCN/A
WACC7.16%

2.3 Liquidity

A Current Ratio of 1.72 indicates that ELVT should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.72, ELVT is doing good in the industry, outperforming 62.26% of the companies in the same industry.
ELVT has a Quick Ratio of 1.72. This is a normal value and indicates that ELVT is financially healthy and should not expect problems in meeting its short term obligations.
ELVT has a Quick ratio of 1.72. This is in the better half of the industry: ELVT outperforms 62.26% of its industry peers.
Industry RankSector Rank
Current Ratio 1.72
Quick Ratio 1.72

More info and screens

4

3. Growth

3.1 Past

The earnings per share for ELVT have decreased strongly by -1284.62% in the last year.
ELVT shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.56%.
ELVT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.42% yearly.
EPS 1Y (TTM)-1284.62%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q42.86%
Revenue 1Y (TTM)31.56%
Revenue growth 3Y-19.09%
Revenue growth 5Y-6.42%
Revenue growth Q2Q11.33%

3.2 Future

Based on estimates for the next years, ELVT will show a very strong growth in Earnings Per Share. The EPS will grow by 54.39% on average per year.
The Revenue is expected to grow by 9.58% on average over the next years. This is quite good.
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

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

ELVT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 4.78, which indicates a rather cheap valuation of ELVT.
Based on the Price/Forward Earnings ratio, ELVT is valued cheaper than 86.79% of the companies in the same industry.
ELVT is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.35, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 4.78

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as ELVT.
ELVT's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ELVT is cheaper than 98.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.42
EV/EBITDA 33.3

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

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

ELEVATE CREDIT INC

NYSE:ELVT (2/27/2023, 7:04:00 PM)

1.87

+0.01 (+0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap58.83M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 4.78
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM 47.1%
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.63
Health
Industry RankSector Rank
Debt/Equity 3.31
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio 1.72
Quick Ratio 1.72
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-1284.62%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-22.8%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)31.56%
Revenue growth 3Y-19.09%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y