Event-Driven Stocks

Elevate Credit, Inc.

Financials · Finance Services · DE · SEC filings ↗ · Compare ⊕

Signs● 3 good● 2 warningdetails ↓

Financials

SEC XBRL · annual
 FY21FY20FY19FY18FY17FY16
Revenue$89.7M$162.5M$638.9M$663.7M$673.1M$580.4M
Operating income$19.3M$120.2M$101.6M$87.8M$70.9M$47.8M
Net income$12.7M−$4.9M$32.2M$12.5M−$6.9M−$22.4M
Total assets$710.7M$669.6M$783.6M$753.3M$687.5M$570.2M
Total liabilities$601.7M$505.7M$627.1M$636.5M$591.4M$556.6M
Equity$109.0M$163.9M$156.5M$116.8M$96.2M$13.6M
EPS (diluted)$0.34$-0.11$0.73$0.28$-0.20$-1.74
Shares out.36.8M43.0M43.4M42.2M42.2M13.0M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2021
Operating margin
21.5%
Net margin
14.2%
Return on equity
11.7%
Return on assets
1.8%
Return on capital (ROCE)
—
Liabilities / assets
84.7%
Debt / equity
5.52×
Book value / share
$2.96
Revenue growth (YoY)
−44.8%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2021
Accruals / assets
−20.2%clean
Piotroski F-Score
5/8mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
57
/ 100
Profitability 100Growth 0Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 2 warning● 3 good
  • Revenue declined year-over-year
  • High leverage (liabilities > 70% of assets)
  • Operating margin is positive
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)