Elevate Credit, Inc. / Fundamentals

    Income statement

    Net revenue
    €426.42M
    Cost of goods sold
    €296.55M
    Gross profit
    €129.87M
    SG&A expenses
    €112.40M
    R&D expenses
    €0.00
    EBITDA
    -€4.35M
    D&A
    €15.79M
    EBIT
    -€20.13M
    Interest expenses
    €42.50M
    EBT
    -€62.05M
    Tax expenses
    -€3.91M
    Net income
    -€58.14M

    Cash flow statement

    Net deferred tax
    -€3.95M
    Non-cash items
    €282.05M
    Changes in working capital
    -€101.38M
    Operating cash flow
    €139.10M
    Capex
    €18.66M
    Other investing cash flow
    -€222.01M
    Net investing cash flow
    -€244.10M
    Total cash dividends paid
    -€697.55K
    Issuance of common stock
    €2.09M
    Debt repayment
    €0.00
    Other financing cash flow
    €98.42M
    Net financing cash flow
    €97.72M
    Foreign exchange effects
    -€55.32M
    Net change in cash
    -€131.22M
    Cash at end of period
    €62.29M
    Free cash flow
    €157.76M

    Balance sheet

    Cash and cash equivalents
    €62.29M
    Cash and short-term investments
    €62.29M
    Total receivables
    €547.70M
    Inventory
    €0.00
    Other current assets
    €0.00
    Total current assets
    €624.15M
    Property, plant & equipment
    €42.90M
    Goodwill
    €5.81M
    Intangible assets
    €198.20K
    Long-term investments
    €4.09M
    Other non-current assets
    €0.00
    Total non-current assets
    €53.00M
    Total assets
    €677.15M
    Accounts payable
    €32.93M
    Short-term debt
    €0.00
    Other current liabilities
    -€32.93M
    Total current liabilities
    €37.13M
    Long-term debt
    €494.88M
    Deferred tax liabilities
    €0.00
    Other non-current liabilities
    €32.93M
    Total non-current liabilities
    €494.88M
    Total liabilities
    €532.01M
    Common stock
    €16.30K
    Retained earnings
    €3.43M
    Other equity
    €0.00
    Total equity
    €145.14M
    Total liabilities and shareholders' equity
    €677.15M

    Company information

    Market capitalization
    €50.18M
    Employees
    436
    Enterprise Value
    €488.30M

    Company ratios

    Gross margin
    30.5% Much worse than peer group: 99.7%
    EBITDA margin
    -1.0% Worse than peer group: 9.1%
    EBIT margin
    -4.7% Much worse than peer group: 95.2%
    EBT margin
    -14.6% Much worse than peer group: 82.6%
    Net margin
    -13.6% Much worse than peer group: 85.0%
    ROE
    -40.1% Much worse than peer group: 8.2%
    ROA
    -8.6% Worse than peer group: 6.2%
    Asset turnover
    63.0% Much better than peer group: 7.8%
    FCF margin
    28.2%
    FCF yield
    240.0%
    Efficiency ratio
    101.0%
    Net sales per employee
    €978.03K
    Net income per employee
    -€133.36K

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