Elevate Credit (ELVT) Financials

$1.87

$0.01 (0.27%)

As on 27-Feb-2023 16:00EDT

Market cap

$59 Mln

Revenue (TTM)

$497 Mln

P/E Ratio

--

P/B Ratio

0.3

Div. Yield

0 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14	Dec-13	Dec-12
Operating Revenue	497.00	416.64	465.35	746.96	786.68	673.13
Cost of Revenue	345.63	241.33	269.42	547.44	515.94	450.33
Gross Profit	151.37	175.31	195.93	199.52	270.74	222.80
Operating Expenses	152.08	155.98	75.72	88.10	175.87	151.94
Operating Profit (EBIT)	-0.71	19.33	120.21	111.42	94.87	70.86
Other Income	--	--	-24.08	-0.35	-1.76	5.20
Profit before Tax	-72.32	-41.38	47.11	44.43	13.92	3.02
Provision for Tax	-4.55	-7.78	10.91	12.25	1.41	9.93
Profit after Tax (Net Income)	-67.77	-33.60	20.59	32.18	12.51	-6.92
Minority Interest	--	--	--	--	--	--
Consolidated Profit	-67.77	-33.60	20.59	32.18	12.51	-6.92

Liabilities ($ Mln)	TTM	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14	Dec-13	Dec-12
Shareholder's Funds	169.16	108.97	163.86	156.49	116.79	96.16
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	615.17	514.45	450.36	569.42	562.59	515.27
Current Liabilities	4.89	87.26	55.39	57.68	73.89	76.12
Total Liabilities	794.11	710.68	669.60	783.59	753.27	687.54

Assets ($ Mln)	TTM	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14	Dec-13	Dec-12
Non-Current Assets	57.00	80.06	76.19	87.75	81.36	65.94
Current Assets	77.36	630.62	593.41	695.84	671.92	621.60
Total Assets	182.40	710.68	669.60	783.59	753.27	687.54
Total Debt*	--	514.45	876.81	569.42	562.59	513.30
Net Current Assets	684.18	543.36	538.03	638.16	598.02	545.48

Cashflow ($ Mln)	TTM	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14	Dec-13	Dec-12
Cash From Operating Activities	--	156.16	211.35	370.34	362.28	308.69
Cash Flow from Investing Activities	--	-304.64	35.10	-327.52	-391.82	-424.44
Cash from Financing Activities	--	38.21	-124.35	-12.92	47.84	102.70
Net Cash Inflow / Outflow	--	--	122.10	29.90	18.30	-12.43

Financials Ratios	TTM	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14	Dec-13	Dec-12
Adjusted EPS ($)	-2.09	-0.99	0.49	0.73	0.28	-0.20
Cash EPS ($)	--	-0.44	0.91	1.13	0.58	0.10
Adjusted Book Value ($)	--	3.21	3.90	3.56	2.65	2.83
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	4.59	5.03	8.42	8.23	9.08
Free Cash Flow per Share ($)	--	4.08	4.65	7.86	7.61	8.59

Profitability Ratios	TTM	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14	Dec-13	Dec-12
ROCE (%)	--	-4.04	2.33	4.58	1.94	-0.86
ROE (%)	-37.63	-24.63	12.86	23.55	11.75	-12.61
ROA (%)	-14.96	-4.87	2.83	4.19	1.74	-1.10
EBIT Margin (%)	-4.58	-0.70	17.30	14.87	11.84	11.30
Net Margin (%)	-13.64	-8.06	4.67	4.31	1.59	-1.02
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14	Dec-13	Dec-12
Revenue Growth (%)	31.54	-0.10	-0.38	-0.05	0.17	0.16
EBIT Growth (%)	-174.78	-103.60	-27.51	19.29	22.43	95.26
Net Profit Growth (%)	31.87	-263.16	-36.02	157.28	280.87	69.09
EPS Growth (%)	-1,100.78	-3.02	-0.33	1.57	2.40	0.88
Book Value Growth (%)	30.36	--	--	--	--	--

Valuation Ratios	TTM	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14	Dec-13	Dec-12
Price / Earnings	--	-3.01	8.14	6.08	15.76	-37.02
Price / Book Value	0.33	0.93	1.02	1.25	1.69	2.66
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	-98.94	34.07	8.63	5.26	6.61	8.42
Close Price ($)	1.10	2.97	3.99	4.45	4.48	7.53
High Price ($)	4.27	4.90	5.98	5.21	11.27	9.48
Low Price ($)	1.05	2.54	0.89	3.71	3.71	5.90
Market Cap ($ Cr)	58.83	--	--	--	--	--

Solvency Ratios	TTM	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14	Dec-13	Dec-12
Debt to Equity	3.31	4.72	5.35	3.64	4.82	5.34
Short term debt to equity ratio	--	4.64	2.68	--	--	5.34
Current Ratio	15.82	7.23	10.71	12.06	9.09	8.17
Quick Ratio	15.82	--	--	--	--	8.17
Interest Coverage	-0.46	-0.08	1.64	1.67	1.18	1.04

Operating Efficiency Ratios	TTM	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15	Dec-14	Dec-13	Dec-12
Debtors to sales (%)	128.44	126.50	82.14	79.39	76.22	84.46
Asset Turnover	1.10	0.60	0.64	0.97	1.09	1.07
Receivable days	--	398.56	382.74	291.58	271.18	273.04
Inventory Days	--	--	--	--	--	--
Payable days	--	68.17	15.49	10.55	12.43	12.03
Cash Conversion Cycle	--	--	--	--	258.75	261.01

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.