Elevate Credit, Inc. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q3 2022.

Location
Fort Worth, TX
Fiscal year end
31 December
Latest financial report
09 Nov 2022

Quick Takeaways

  • Elevate Credit, Inc. financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q3 2022.
  • Headline metric: Return On Equity -44%.

What Changed

  • Return On Equity YoY change: <span class="text-green-600">+1149%</span>.
  • Most recent SEC facts end date: 07 Nov 2022.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2022-11-07) highlights Return On Equity -43.5%, Return On Assets -9.4%, and Operating Margin -0.1%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

16.7/100

Weak Confidence medium

Return On Equity

-44%

Metric score 0.0/100

Return On Assets

-9.4%

Metric score 0.0/100

Financial Health

Debt to Equity
3.68x

Strengths

Revenues YoY

Watchpoints

Return On Equity, Return On Assets, and Operating Margin

Key metrics snapshot

Return On Equity

-44%

YoY: +1149%

Industry median: -7.7% (n=122)

View history

Return On Assets

-9.4%

YoY: +1033%

Industry median: -10% (n=122)

View history

Operating Margin

-0.14%

YoY: -101%

Industry median: -110% (n=58)

View history

Debt-to-equity

3.68x

YoY: +27%

Industry median: 0.33x (n=76)

View history

Revenues YoY

32%

YoY:

Industry median: 9.9% (n=72)

View history

NetIncomeLoss YoY

-1140%

YoY:

Industry median: -104% (n=105)

View history

Profitability

Metric Latest value YoY change
Return On Equity -44% +1149%
Return On Assets -9.4% +1033%
Operating Margin -0.14% -101%

Financial Health

Metric Latest value YoY change
Debt-to-equity 3.68x +27%

Growth

Metric Latest value YoY change
Revenues YoY 32%
NetIncomeLoss YoY -1140%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 31,246,534 -4.1%
Common Stock, Shares, Outstanding 31,218,030 -4.1%
Common Stock, Value, Issued $19,000 +5.6%
Weighted Average Number of Shares Outstanding, Basic 31,068,846 -8%
Weighted Average Number of Shares Outstanding, Diluted 31,068,846 -8%

Additional Metrics

Metric Latest value YoY change
Revenue from Contract with Customer, Excluding Assessed Tax $496,996,000 +32%
Cost of Revenue $345,629,000 +97%
Selling and Marketing Expense $3,557,000 +1.6%
Operating Income (Loss) $713,000 -102%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $72,320,000 -768%
Income Tax Expense (Benefit) $4,554,000 -77%
Earnings Per Share, Basic -2 -1147%
Earnings Per Share, Diluted -2 -1078%
Cash and Cash Equivalents, at Carrying Value $72,599,000 -9.2%
Deferred Income Tax Assets, Net $0 -100%
Property, Plant and Equipment, Net $39,064,000 +23%
Operating Lease, Right-of-Use Asset $10,933,000 +75%
Intangible Assets, Net (Excluding Goodwill) $231,000 0%
Goodwill $6,776,000 0%
Assets $789,215,000 +20%
Liabilities $620,057,000 +21%
Retained Earnings (Accumulated Deficit) $4,002,000
Stockholders' Equity Attributable to Parent $169,158,000 +19%
Liabilities and Equity $789,215,000 +20%
Common Stock, Shares Authorized 300,000,000 0%
Common Stock, Shares, Issued 44,960,438 0%
Common Stock, Par or Stated Value Per Share 0 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $76,451,000 -10%
Deferred Tax Assets, Valuation Allowance $9,900,000
Operating Lease, Liability $16,217,000 +64%
Lessee, Operating Lease, Liability, to be Paid $21,548,000 +83%
Property, Plant and Equipment, Gross $152,070,000 +19%
Lessee, Operating Lease, Liability, to be Paid, Year Two $3,204,000 -8.1%
Lessee, Operating Lease, Liability, to be Paid, Year One $3,415,000 -14%
Operating Lease, Weighted Average Discount Rate, Percent 0.08 -20%
Deferred Income Tax Expense (Benefit) $4,602,000 -193%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $5,331,000 +184%
Lessee, Operating Lease, Liability, to be Paid, Year Three $3,218,000 +124%
Preferred Stock, Shares Issued 0
Deferred Federal Income Tax Expense (Benefit) $4,048,000 -99%
Preferred Stock, Shares Authorized 24,500,000 0%
Unrecognized Tax Benefits $1,700,000 -11%
Lessee, Operating Lease, Liability, to be Paid, Year Four $2,639,000 +110%
Operating Lease, Payments $3,744,000 -2.8%
Additional Paid in Capital $210,038,000 +2.9%
Preferred Stock, Shares Outstanding 0
Current State and Local Tax Expense (Benefit) $48,000 -118%
Share-based Payment Arrangement, Expense $6,800,000 +3%
Deferred State and Local Income Tax Expense (Benefit) $554,000 -219%
Interest Expense $49,533,000 +29%
Preferred Stock, Par or Stated Value Per Share 0 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY