Elevate Credit, Inc. ELVT

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1.87 +1.87 —

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Open
—
Prev close
0.00
Mkt cap
58.83M
Vol
0
Avg vol
0
EPS
0.00
P/E
0.00
Div yield
0.00%
More statistics
Low
—
High
—
Forward P/E
6.93
Beta
2.07
Short ratio
1.11
Inst. own
30.68%
Dividend
0.00
Ex-div date
Earnings
Feb 28, 2023
50-d avg
1.80
200-d avg
1.80
1y target
2.50

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Financial health

Altman Z-Score

1.57 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E -3.0×
FY 2013: -4.7×FY 2014: -3.8×FY 2015: -11.9×FY 2016: -9.3×FY 2017: -37.6×FY 2018: 16.0×FY 2019: 6.1×FY 2020: 4.6×FY 2021: -3.0×
FY 2013 5y median 4.6× FY 2021
P/S 0.2×
FY 2013: 2.9×FY 2014: 0.8×FY 2015: 0.5×FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.2×
FY 2013 5y median 0.3× FY 2021
P/B 0.9×
FY 2013: 2.2×FY 2014: 4.0×FY 2015: 7.1×FY 2016: 15.4×FY 2017: 2.7×FY 2018: 1.7×FY 2019: 1.2×FY 2020: 1.0×FY 2021: 0.9×
FY 2013 5y median 1.2× FY 2021
P/FCF 0.7×
FY 2013: -7.3×FY 2014: 4.5×FY 2015: 2.0×FY 2016: 0.9×FY 2017: 0.9×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.8×FY 2021: 0.7×
FY 2013 5y median 0.7× FY 2021
EV/EBITDA 32.7×
FY 2013: -4.3×FY 2014: -6.6×FY 2015: 26.0×FY 2016: 13.0×FY 2017: 8.4×FY 2018: 6.6×FY 2019: 5.3×FY 2020: 3.7×FY 2021: 32.7×
FY 2013 5y median 6.6× FY 2021
EV/Sales 1.3×
FY 2013: 2.8×FY 2014: 1.3×FY 2015: 1.3×FY 2016: 1.1×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 1.3×
FY 2013 5y median 0.9× FY 2021
FCF Yield 136.5%
FY 2013: -13.7%FY 2014: 22.0%FY 2015: 50.5%FY 2016: 114.4%FY 2017: 114.3%FY 2018: 168.7%FY 2019: 177.3%FY 2020: 119.6%FY 2021: 136.5%
FY 2013 5y median 136.5% FY 2021

Profitability

Gross Margin 42.1%
FY 2013: 0.4%FY 2014: 11.7%FY 2015: 28.8%FY 2016: 31.0%FY 2017: 33.1%FY 2018: 34.4%FY 2019: 40.5%FY 2020: 60.2%FY 2021: 42.1%
FY 2013 5y median 40.5% FY 2021
Operating Margin -0.5%
FY 2013: -72.7%FY 2014: -22.3%FY 2015: 2.1%FY 2016: 8.2%FY 2017: 10.5%FY 2018: 12.1%FY 2019: 14.9%FY 2020: 25.8%FY 2021: -0.5%
FY 2013 5y median 12.1% FY 2021
Net Margin -8.1%
FY 2013: -62.2%FY 2014: -20.0%FY 2015: -4.6%FY 2016: -3.9%FY 2017: -1.0%FY 2018: 1.6%FY 2019: 4.3%FY 2020: 7.8%FY 2021: -8.1%
FY 2013 5y median 1.6% FY 2021
ROE -30.8%
FY 2013: -47.8%FY 2014: -104.7%FY 2015: -59.7%FY 2016: -164.9%FY 2017: -7.2%FY 2018: 10.7%FY 2019: 20.6%FY 2020: 22.1%FY 2021: -30.8%
FY 2013 5y median 10.7% FY 2021
ROIC -0.3%
FY 2013: -46.2%FY 2014: -19.3%FY 2015: 1.9%FY 2016: 8.3%FY 2017: -26.6%FY 2018: 12.6%FY 2019: 11.1%FY 2020: 15.0%FY 2021: -0.3%
FY 2013 5y median 11.1% FY 2021
ROA -4.7%
FY 2013: -39.3%FY 2014: -20.9%FY 2015: -4.9%FY 2016: -3.9%FY 2017: -1.0%FY 2018: 1.7%FY 2019: 4.1%FY 2020: 5.4%FY 2021: -4.7%
FY 2013 5y median 1.7% FY 2021

Growth (YoY)

Revenue -10.5%
FY 2013: 0.0%FY 2014: 279.7%FY 2015: 58.6%FY 2016: 33.7%FY 2017: 16.0%FY 2018: 16.9%FY 2019: -5.0%FY 2020: -37.7%FY 2021: -10.5%
FY 2013 FY 2021
Operating Income -101.7%
FY 2013: 0.0%FY 2014: -16.6%FY 2015: 114.7%FY 2016: 433.1%FY 2017: 48.2%FY 2018: 33.9%FY 2019: 17.4%FY 2020: 7.9%FY 2021: -101.7%
FY 2013 FY 2021
EPS (diluted) -212.6%
FY 2013: 0.0%FY 2014: -21.7%FY 2015: 67.8%FY 2016: -27.7%FY 2017: 75.9%FY 2018: 240.0%FY 2019: 160.7%FY 2020: 19.2%FY 2021: -212.6%
FY 2013 FY 2021
Free Cash Flow -28.9%
FY 2013: 0.0%FY 2014: 261.3%FY 2015: 158.2%FY 2016: 101.1%FY 2017: 21.8%FY 2018: 14.7%FY 2019: 3.2%FY 2020: -43.5%FY 2021: -28.9%
FY 2013 FY 2021

Financial Health

Current Ratio 7.2×
FY 2013: 3.6×FY 2014: 6.5×FY 2015: 9.9×FY 2016: 8.2×FY 2017: 8.2×FY 2018: 9.1×FY 2019: 12.1×FY 2020: 10.7×FY 2021: 7.2×
FY 2013 5y median 9.1× FY 2021
Quick Ratio 7.2×
FY 2013: 3.6×FY 2014: 6.5×FY 2015: 9.9×FY 2016: 8.2×FY 2017: 8.2×FY 2018: 9.1×FY 2019: 12.1×FY 2020: 10.7×FY 2021: 7.2×
FY 2013 5y median 9.1× FY 2021
Debt / Equity 4.7×
FY 2013: 0.0×FY 2014: 3.4×FY 2015: 10.2×FY 2016: 36.4×FY 2017: 5.3×FY 2018: 4.8×FY 2019: 3.6×FY 2020: 2.7×FY 2021: 4.7×
FY 2013 5y median 4.7× FY 2021
Net Debt / EBITDA 26.5×
FY 2013: 0.1×FY 2014: -2.7×FY 2015: 14.8×FY 2016: 8.8×FY 2017: 5.5×FY 2018: 4.8×FY 2019: 3.8×FY 2020: 2.2×FY 2021: 26.5×
FY 2013 5y median 4.8× FY 2021
Interest Coverage -0.1×
FY 2013: -877×FY 2014: -4.7×FY 2015: 0.2×FY 2016: 0.7×FY 2017: 1.0×FY 2018: 1.2×FY 2019: 1.7×FY 2020: 2.5×FY 2021: -0.1×
FY 2013 5y median 1.2× FY 2021

Dividends

Dividend Yield 0.0%
FY 2013: 0.0%FY 2014: 0.0%FY 2015: 0.0%FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%
FY 2013 5y median 0.0% FY 2021
Payout Ratio 0.0%
FY 2013: 0.0%FY 2014: 0.0%FY 2015: 0.0%FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%
FY 2013 5y median 0.0% FY 2021

Annual · latest fiscal year ends 2021-12-31