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ELEVATE CREDIT INC (ELVT) Stock Fundamental Analysis

NYSE:ELVT - New York Stock Exchange, Inc. - US28621V1017 - Common Stock - Currency: USD

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 53 industry peers in the Consumer Finance industry. ELVT scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. ELVT has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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1

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.
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 2015 2016 2017 2018 2019 2020 2021 0 100M 200M 300M

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
ELVT Yearly ROA, ROE, ROICELVT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 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.
Looking at the Gross Margin, with a value of 47.10%, ELVT is in line with its industry, outperforming 47.17% of the companies in the same industry.
ELVT's Gross Margin has been stable in the last couple of years.
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 2015 2016 2017 2018 2019 2020 2021 0 20 40 60 80

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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.
ELVT has less shares outstanding than it did 1 year ago.
ELVT has a worse debt/assets ratio than last year.
ELVT Yearly Shares OutstandingELVT Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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.
ELVT has a Altman-Z score (0.76) which is comparable to the rest of the 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 better Debt to FCF ratio (3.99) 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 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 2015 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 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.
With a decent Quick ratio value of 1.72, ELVT is doing good in 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 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M

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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.
The Revenue has grown by 31.56% in the past year. This is a very strong growth!
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 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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 0.5 -0.5 -1

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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.
The Price/Forward Earnings ratio is 4.78, which indicates a rather cheap valuation of ELVT.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ELVT indicates a rather cheap valuation: ELVT is cheaper than 86.79% of the companies listed 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 22.70.
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 10 20

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
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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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)02-13 2023-02-13
Earnings (Next)05-02 2023-05-02
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners43.91%
Ins Owner Change0%
Market Cap58.83M
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
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
ROICexcg growth 3YN/A
ROICexcg 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%