ELEVATE CREDIT INC (ELVT)

US28621V1017 - Common Stock

1.87  +0.01 (+0.54%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ELVT. ELVT was compared to 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.



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2

1. Profitability

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.
The reported net income has been mixed in the past 5 years: ELVT reported negative net income in multiple years.
ELVT had a positive operating cash flow in each of the past 5 years.

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.
ELVT has a Gross Margin (47.10%) which is comparable to the rest of the industry.
ELVT's Gross Margin has been stable in the last couple of years.
The Profit Margin and Operating Margin are not available for ELVT so they could not be analyzed.
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%

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4

2. Health

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.
Compared to 1 year ago, ELVT has a worse debt to assets ratio.

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.
With a Altman-Z score value of 0.76, ELVT perfoms like the industry average, outperforming 56.60% of the companies in the same industry.
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.
The Debt to FCF ratio of ELVT (3.99) is better than 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.
ELVT has a worse Debt to Equity ratio (3.31) than 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

ELVT has a Current 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 Current ratio of 1.72. This is in the better half of the industry: ELVT outperforms 62.26% of its industry peers.
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.
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

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4

3. Growth

3.1 Past

The earnings per share for ELVT have decreased strongly by -1284.62% in the last year.
Looking at the last year, ELVT shows a very strong growth in Revenue. 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

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.

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5

4. Valuation

4.1 Price/Earnings Ratio

ELVT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a 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.
ELVT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
Industry RankSector Rank
PE N/A
Fwd PE 4.78

4.2 Price Multiples

ELVT's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ELVT indicates a rather cheap valuation: ELVT is cheaper than 98.11% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.42
EV/EBITDA 33.3

4.3 Compensation for Growth

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

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0

5. Dividend

5.1 Amount

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

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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)
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)
High Growth Momentum
Growth
EPS 1Y (TTM)-1284.62%
EPS 3YN/A
EPS 5Y
EPS 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
Sales 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