ELEVATE CREDIT INC (ELVT) Fundamental Analysis & Valuation

NYSE:ELVT • US28621V1017

1.87 USD
+0.01 (+0.54%)
Last: Feb 27, 2023, 08:04 PM
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This ELVT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Overall ELVT gets a fundamental rating of 3 out of 10. We evaluated ELVT against 54 industry peers in the Consumer Finance industry. While ELVT seems to be doing ok healthwise, there are quite some concerns on its profitability. ELVT has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

1

1. ELVT Profitability Analysis

1.1 Basic Checks

  • In the past year ELVT has reported negative net income.
  • 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 in line with its industry peers.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for ELVT has been reduced compared to 1 year ago.
  • 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

  • ELVT has an Altman-Z score of 0.76. This is a bad value and indicates that ELVT is not financially healthy and even has some risk of bankruptcy.
  • ELVT has a Altman-Z score (0.76) which is in line with its industry peers.
  • 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.
  • With an excellent Debt to FCF ratio value of 3.99, ELVT belongs to the best of the industry, outperforming 81.13% of the companies in the same industry.
  • ELVT has a Debt/Equity ratio of 3.31. This is a high value indicating a heavy dependency on external 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%
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.
  • Looking at the Current ratio, with a value of 1.72, ELVT is in the better half of the industry, outperforming 62.26% of the companies in the same industry.
  • A Quick Ratio of 1.72 indicates that ELVT should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.72, ELVT is in the better half of the industry, outperforming 62.26% of the companies in the same industry.
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%.
  • ELVT shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.56%.
  • Measured over the past years, ELVT shows a decrease in Revenue. The Revenue has been decreasing by -6.42% on average per year.
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
  • 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

  • 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

  • The Price/Earnings Ratio is negative for ELVT. In the last year negative earnings were reported.
  • Based on the Price/Forward Earnings ratio of 4.78, the valuation of ELVT can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, ELVT is valued cheaper than 86.79% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.27. ELVT is valued rather cheaply when compared to this.
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 25

4.2 Price Multiples

  • ELVT's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Based on the Price/Free Cash Flow ratio, ELVT is valued cheaply inside the industry as 98.11% of the companies are valued more expensively.
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

  • ELVT does not give a dividend.
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 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.