ELVT - Elevate Credit, Inc trade ideas

Fundamentals:
Basic Info:
  • Market Cap: 124.99M
  • Exchange: NYSE
  • Shares Float: 20,322,900
  • Shares Outstanding: 33,598,800
  • Number of Employees: 437
  • Book value per share: 4.64
Advanced Info:
  • ROE ttm: 13.90 %
  • ROA ttm: 8.67 %
  • Beta: 2.532
  • EPS: 0.698
  • Debt Ratio ttm: 0.73
  • Debt / Equity Ratio ttm: 2.65
  • Payout Ratio ttm:
Cash Ratios:
  • Cash Ratio ttm: 1.91
  • Current Ratio ttm: 9.17
  • Quick Ratio ttm: 8.86
Key Ratios:
  • P/E trailing 12 month: 4.7
  • P/E forward: 3.74
  • P/E trailing 12m high: 6.19
  • P/E trailing 12m low: 2.96
  • P/S trailing 12 month: 0.35
  • EV/S trailing 12 month: 1.07
  • P/B trailing 12 month: 0.8
  • PEG ratio:
  • Free Cash Flow Yield (FCF/EV): 34.50%
Shorts:
  • Shares Short: 2,047,600
  • Shares Short Prev Month: 1,052,800
  • Days to Cover: 4.32
  • Short Percent Float: 10.10 %
  • Short Percent Outstanding: 6.00 %
Ownership:
  • Percent Insiders: 27.33 %
  • Percent Institutions: 53.65 %
Margins:
  • Gross Profit Margin ttm: 55.00 %
  • EBITDA Margin ttm: 25.00 %
  • Operating Margin ttm: 23.40 %
  • Net Income Margin ttm: 7.00 %
Target Prices:
  • Target Price High: 6 USD
  • Target Price Low: 3.5 USD
  • Target Price Mean: 4.75 USD
  • Number of Analysts: 2
Key Prices:
  • 52 Week High: 4.9
  • 52 Week Low: 2.34
  • 50 Day Moving Average: 3.632
  • 200 Day Moving Average: 3.535
Dividends:
  • Trailing Dividend yield:
  • Forward Dividend yield:
  • Payout Ratio:
  • Ex-Dividend date: None
Current Quarter Estimates:
  • Current Quarter EPS estimate: -0.27 ~ -0.08 (2021-09-30)
  • Current Quarter revenue estimate: 93.96M ~ 109.56M
  • Median revenue growth YoY estimate: 8.07%
As of: 2021-10-16
Next Quarter Estimates:
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Latest News:
Elevate Announces New Financing Facility for Today CardYahoo Finance2021-10-13 20:15:00 EDT
Elevate Credit : Announces RISE Scholarship RecipientsMarketScreener2021-10-05 15:59:32 EDT
52 Biggest Movers From YesterdayBenzinga2021-09-30 09:07:38 EDT
33 Stocks Moving In Wednesday's Mid-Day SessionYahoo Finance2021-09-29 16:09:53 EDT
New Strong Sell Stocks for August 17thZacks Investment Research2021-08-17 10:39:17 EDT
3 Deep Value Picks: Low Prices And High UpsideSeeking Alpha2021-08-13 02:35:22 EDT
Elevate Credit, Inc. (ELVT) Reports Q2 Loss, Misses Revenue EstimatesZacks Investment Research2021-08-03 21:21:09 EDT
Elevate Credit: Low Risk, High Reward Undervalued StockSeeking Alpha2021-07-31 07:25:11 EDT
Elevate Credit, Inc. (ELVT) Shows Fast-paced Momentum But Is Still a B...Zacks Investment Research2021-06-29 09:54:15 EDT
Elevate Credit, Inc. (ELVT) Upgraded to Buy: Here's What You Should Kn...Zacks Investment Research2021-06-11 12:47:08 EDT
5 Stocks Under $10 That Are Worth Buying TodayZacks Investment Research2021-06-08 16:33:03 EDT
Is Elevate Credit (ELVT) a Good Value Investor Stock Now?Zacks Investment Research2021-06-01 10:31:11 EDT
Elevate Credit, Inc. (ELVT) Q1 Earnings Top EstimatesZacks Investment Research2021-05-03 20:19:12 EDT
Elevate Credit: Q4 Earnings InsightsBenzinga.com2021-02-08 13:37:00 EDT
Preview: Elevate Credit's EarningsBenzinga.com2021-02-05 07:10:00 EDT
Top Ranked Value Stocks to Buy for December 21stNasdaq2020-12-21 10:20:00 EDT
Elevate Credit’s RISE Scholarship Promotes Financial LiteracyAssociated Press2020-11-20 01:24:00 EDT
Elevate Credit EPS beats by $0.25, misses on revenueSeeking Alpha2020-11-09 18:54:00 EDT
Recap: Elevate Credit Q3 EarningsBenzinga.com2020-11-09 13:18:00 EDT
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Income Statements:
ELVT - Elevate Credit, Inc Income Statement
Unit: (milllion USD)2018Q32018Q42019Q12019Q22019Q32019Q42020Q12020Q22020Q32020Q42021Q12021Q2
Qtr Revenue201.48207.29189.50177.76192.78186.92177.46117.9994.1690.7289.7384.54
Rev Growth yoy16.56 %7.16 %-2.08 %-3.59 %-4.32 %-9.83 %-6.36 %-33.62 %-51.15 %-51.46 %-49.43 %-28.35 %
Cost of Revenue143.17136.26103.64102.78149.28140.39103.1543.4341.3452.1227.4040.69
Gross Profit58.3171.0385.8674.9843.5046.5374.3074.5652.8238.6162.3343.85
Gross Profit Mgn28.94 %34.27 %45.31 %42.18 %22.56 %24.9 %41.87 %63.19 %56.1 %42.55 %69.46 %51.86 %
Research and Development000000000000
Selling & Marketing Expense2.171.911.852.211.791.541.420.900.610.980.530.71
General & Administrative Expense38.7237.8340.4639.6813.7714.8741.1530.1612.9511.6431.0432.53
Interest Expense19.8120.9119.2217.9514.6614.8214.2012.1811.5711.618.798.57
Operating Expense45.6245.1947.8847.9221.1622.4948.6236.5018.7418.4437.5938.61
Operating Income12.6925.8437.9827.0622.3324.0525.6838.0634.0820.1724.745.24
Operating Mgn6.3 %12.46 %20.04 %15.22 %11.58 %12.87 %14.47 %32.26 %36.19 %22.23 %27.57 %6.2 %
Net Income-4.234.1313.365.774.768.29-4.918.5521.08-4.1312.72-3.04
Net Income Mgn-2.1 %1.99 %7.05 %3.25 %2.47 %4.43 %-2.77 %7.25 %22.39 %-4.55 %14.17 %-3.6 %
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Cashflow Statements:
ELVT - Elevate Credit, Inc Cashflow Statement
Unit: (million)2018Q32018Q42019Q12019Q22019Q32019Q42020Q12020Q22020Q32020Q42021Q12021Q2
Operating Cashflows94.67105.1397.7671.6799.68101.2476.7055.8846.4132.3631.8834.81
Financing Cashflows23.6114.12-35.52-1.5521.472.69-44.98-67.23-7.01-5.12-108.751.94
Investing Cashflows-132.75-114.73-23.74-103.59-106.92-93.27-18.4688.9918.08-53.5119.09-70.43
Total Capital Expenditures8.996.057.116.946.673.985.573.943.363.203.384.18
Changes In Cash-5.3071.0338.504.573.5071.3013.2615.1615.6758.47-57.78-4.00
Free Cash flow85.6899.0790.6664.7393.0197.2671.1351.9443.0529.1628.5030.63
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Balance Sheets:
ELVT - Elevate Credit, Inc Balance Sheet
Unit: (milllion)2018Q32018Q42019Q12019Q22019Q32019Q42020Q12020Q22020Q32020Q42021Q12021Q2
Total Assets736.30753.27737.81741.24767.26783.59726.96639.67664.36669.60564.34574.73
Intangible Assets17.8817.7117.5717.4617.468.038.157.977.947.917.017.01
Goodwill16.0316.0016.0016.0016.036.786.786.786.786.786.786.78
Current Assets54.7958.3197.1563.4077.3488.91101.43167.74224.26197.98140.30105.78
Current Cash54.7948.3597.1554.5361.6471.2291.14167.74224.26197.98140.30105.78
Account Receivables0.000.000.000.000.000.000.000.000.000.000.000.00
Inventory0.000.000.000.000.000.000.000.000.000.000.000.00
Total Liabilities625.25636.48604.75601.31621.56627.10579.18483.54492.85505.74397.37417.08
Account Payables0.000.000.000.000.000.000.000.000.000.000.000.00
Short Term Debt0.000.000.000.000.0029.620.000.00438.20438.40341.04351.21
Long Term Debt548.96562.59527.51527.24549.03525.44514.21438.17438.20438.40341.04351.21
Current Ratio0.720.791.571.091.351.541.985.425.333.573.111.91
Debt Ratio0.750.750.710.710.720.710.710.681.321.311.211.22
Debt/Equity Ratio4.944.823.963.773.773.553.482.815.115.354.084.46
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Elevate Credit, Inc
(NYSE:ELVT)
Elevate Credit, Inc

Elevate Credit, Inc. provides online credit solutions to non-prime consumers in the United States. It offers unsecured online installment loans, lines of credit, and credit cards. Its products include Rise, an installment loan product; Elastic, a line of credit product; and Today Card, a credit card product. The company was founded in 2014 and is headquartered in Fort Worth, Texas.
Founded: 2014
Sector: Financial Services
Industry: Credit Services
Full Time Employees: 437
Next Earnings Date: 2021-11-08
Keywords: elevate credit
594 Followers
1053 Followers
Avg: 
 95 review, 29 jobs
Stock Price:
ELVT - Elevate Credit, Inc Stock Price
Basic Info:
  • Market Cap: 124.99M
  • Exchange: NYSE
  • Shares Float: 20,322,900
  • Shares Outstanding: 33,598,800
  • Number of Employees: 437
  • Book value per share: 4.64
Advanced Info:
  • ROE ttm: 13.90 %
  • ROA ttm: 8.67 %
  • Beta: 2.532
  • EPS: 0.698
  • Debt Ratio ttm: 0.73
  • Debt / Equity Ratio ttm: 2.65
  • Payout Ratio ttm:
Cash Ratios:
  • Cash Ratio ttm: 1.91
  • Current Ratio ttm: 9.17
  • Quick Ratio ttm: 8.86
Key Ratios:
  • P/E trailing 12 month: 4.7
  • P/E forward: 3.74
  • P/E trailing 12m high: 6.19
  • P/E trailing 12m low: 2.96
  • P/S trailing 12 month: 0.35
  • EV/S trailing 12 month: 1.07
  • P/B trailing 12 month: 0.8
  • PEG ratio:
  • Free Cash Flow Yield (FCF/EV): 34.50%
Shorts:
  • Shares Short: 2,047,600
  • Shares Short Prev Month: 1,052,800
  • Days to Cover: 4.32
  • Short Percent Float: 10.10 %
  • Short Percent Outstanding: 6.00 %
Ownership:
  • Percent Insiders: 27.33 %
  • Percent Institutions: 53.65 %
Margins:
  • Gross Profit Margin ttm: 55.00 %
  • EBITDA Margin ttm: 25.00 %
  • Operating Margin ttm: 23.40 %
  • Net Income Margin ttm: 7.00 %
Target Prices:
  • Target Price High: 6 USD
  • Target Price Low: 3.5 USD
  • Target Price Mean: 4.75 USD
  • Number of Analysts: 2
Key Prices:
  • 52 Week High: 4.9
  • 52 Week Low: 2.34
  • 50 Day Moving Average: 3.632
  • 200 Day Moving Average: 3.535
Dividends:
  • Trailing Dividend yield:
  • Forward Dividend yield:
  • Payout Ratio:
  • Ex-Dividend date: None
Current Quarter Estimates:
  • Current Quarter EPS estimate: -0.27 ~ -0.08 (2021-09-30)
  • Current Quarter revenue estimate: 93.96M ~ 109.56M
  • Median revenue growth YoY estimate: 8.07%
As of: 2021-10-16
Next Quarter Estimates:
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Analyst Consensus:
ELVT - Elevate Credit, Inc Analyst Opinions
Target high: 6 USD
Target low: 3.5 USD
Average: 4.75 USD based on 2 analysts as of 2021-10-02

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Analyst Trends:
ELVT - Elevate Credit, Inc Analyst Trends
Target high: 6 USD
Target low: 3.5 USD
Average: 4.75 USD based on 2 analysts as of 2021-10-02
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Website Ranking Analysis:
ELVT - Elevate Credit, Inc Website Ranking Analysis
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Google Trends Analysis:
ELVT - Elevate Credit, Inc Google Trends Analysis
Keyword: Elevate Credit
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Employees Analysis:
ELVT - Elevate Credit, Inc Employees Analysis
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Institution & Insiders Analysis:
ELVT - Elevate Credit, Inc Ownership Analysis
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Debt & Cash Analysis:
ELVT - Elevate Credit, Inc Cash Analysis (unit: milllion)
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Short Analysis:
ELVT - Elevate Credit, Inc  Short Analysis
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Margins and Revenue:
ELVT - Elevate Credit, Inc Revenue and Margins Analysis
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Income Statement Analysis:
ELVT - Elevate Credit, Inc Income Statement
Unit: (milllion USD)2020Q32020Q42021Q12021Q2
Qtr Revenue94.1690.7289.7384.54
Rev Growth yoy-51.15 %-51.46 %-49.43 %-28.35 %
Cost of Revenue41.3452.1227.4040.69
Gross Profit52.8238.6162.3343.85
Gross Profit Mgn56.1 %42.55 %69.46 %51.86 %
Research and Development0000
Selling & Marketing Expense0.610.980.530.71
General & Administrative Expense12.9511.6431.0432.53
Interest Expense11.5711.618.798.57
Operating Expense18.7418.4437.5938.61
Operating Income34.0820.1724.745.24
Operating Mgn36.19 %22.23 %27.57 %6.2 %
Net Income21.08-4.1312.72-3.04
Net Income Mgn22.39 %-4.55 %14.17 %-3.6 %
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Earnings Estimate Analysis:
ELVT - Elevate Credit, Inc EPS Estimates
Current Qtr Estimate (dashed line): -0.19
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Cashflow Analysis:
ELVT - Elevate Credit, Inc Cashflow Statement
Unit: (million)2020Q32020Q42021Q12021Q2
Operating Cashflows46.4132.3631.8834.81
Financing Cashflows-7.01-5.12-108.751.94
Investing Cashflows18.08-53.5119.09-70.43
Total Capital Expenditures3.363.203.384.18
Changes In Cash15.6758.47-57.78-4.00
Free Cash flow43.0529.1628.5030.63
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