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Elevate Credit (ELVT) Key Ratios

Stock Card factsheet share-fund-plan-icon

$1.87

up-down-arrow $0.01 (0.27%)

As on 27-Feb-2023 16:00EDT

Market cap

info icon

$59 Mln

Revenue (TTM)

info icon

$497 Mln

P/E Ratio

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--

P/B Ratio

info icon

0.3

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 6.81 11.33 31.54 -13.48 -5.19
EBIT 69.40 356.72 -174.78 -159.06 -179.82
Net Profit -129.70 -36.61 31.87 -13.63 -4.88
EPS -129.70 -49.83 -1,100.78 -248.88 -254.58
Book Value -- -- -17.85 6.49 25.16
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-21Dec-20
EBIT-Margin info 10.4910.92-4.58-0.7017.30
Net Margin info 4.492.39-13.64--4.67
Return on equity info 3.932.18-37.63-24.6312.86
Return on Capital info 0.960.79---4.042.33
Return on Assets info 0.720.56-14.96-4.872.83
Debt to Equity (x) info ----3.314.725.35

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
--
-4.04
2.33
4.58
1.94
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

-37.63

--

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
-37.63
-24.63
12.86
23.55
11.75
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

-14.96

--

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
-14.96
-4.87
2.83
4.19
1.74
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

-4.58

--

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
-4.58
-0.70
17.30
14.87
11.84
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

-13.64

--

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
-13.64
-8.06
4.67
4.31
1.59
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
0.00
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

31.54

--

Year on year growth in net sales

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
31.54
-0.10
-0.38
-0.05
0.17
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

-174.78

--

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
-174.78
-103.60
-27.51
19.29
22.43
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

31.87

--

Year on year growth in profit after tax

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
31.87
-263.16
-36.02
157.28
280.87
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

-1,100.78

--

Year on year growth in earnings per share

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
-1,100.78
-3.02
-0.33
1.57
2.40
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

30.36

--

Year on year growth in book value per share

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
30.36
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

3.31

--

Total debt / Net worth

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
3.31
4.72
5.35
3.64
4.82
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
--
4.64
2.68
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

15.82

--

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
15.82
7.23
10.71
12.06
9.09
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

15.82

--

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
15.82
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

-0.46

--

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
-0.46
-0.08
1.64
1.67
1.18
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

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Debtors to sales

128.44

--

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
128.44
126.50
82.14
79.39
76.22
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

1.10

--

Sales / Average Total Assets

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
1.10
0.60
0.64
0.97
1.09
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
--
398.56
382.74
291.58
271.18
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
--
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
--
68.17
15.49
10.55
12.43
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
--
--
--
--
258.75
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

--

--

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
--
-3.01
8.14
6.08
15.76
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

0.33

--

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
0.33
0.93
1.02
1.25
1.69
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
--
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

-98.94

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
-98.94
34.07
8.63
5.26
6.61
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

59

--

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-21
Dec-20
Dec-19
Dec-18
Elevate Credit (ELVT)
59
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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