Elevate Credit Inc
NYSE:ELVT
Income Statement
Earnings Waterfall
Elevate Credit Inc
Revenue
|
497m
USD
|
Cost of Revenue
|
-262.9m
USD
|
Gross Profit
|
234.1m
USD
|
Operating Expenses
|
-234.8m
USD
|
Operating Income
|
-713k
USD
|
Other Expenses
|
-67.1m
USD
|
Net Income
|
-67.8m
USD
|
Income Statement
Elevate Credit Inc
Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | |||||||||||||||||||||||||||||||||
Revenue |
274
N/A
|
319
+17%
|
352
+10%
|
394
+12%
|
434
+10%
|
475
+9%
|
511
+7%
|
545
+7%
|
580
+6%
|
606
+4%
|
630
+4%
|
649
+3%
|
673
+4%
|
710
+6%
|
744
+5%
|
773
+4%
|
787
+2%
|
783
-1%
|
749
-4%
|
712
-5%
|
668
-6%
|
641
-4%
|
609
-5%
|
539
-12%
|
465
-14%
|
393
-16%
|
359
-9%
|
378
+5%
|
417
+10%
|
451
+8%
|
484
+7%
|
497
+3%
|
|
Gross Profit | |||||||||||||||||||||||||||||||||
Cost of Revenue |
(71)
|
(69)
|
(74)
|
(79)
|
(76)
|
(77)
|
(78)
|
(81)
|
(83)
|
(84)
|
(86)
|
(84)
|
(93)
|
(105)
|
(110)
|
(113)
|
(104)
|
(93)
|
(78)
|
(62)
|
(55)
|
(53)
|
(41)
|
(32)
|
(29)
|
(21)
|
(33)
|
(49)
|
(55)
|
(142)
|
(201)
|
(263)
|
|
Gross Profit |
203
N/A
|
251
+23%
|
278
+11%
|
315
+13%
|
358
+14%
|
398
+11%
|
433
+9%
|
464
+7%
|
498
+7%
|
522
+5%
|
544
+4%
|
565
+4%
|
581
+3%
|
605
+4%
|
634
+5%
|
660
+4%
|
683
+3%
|
690
+1%
|
671
-3%
|
649
-3%
|
613
-6%
|
588
-4%
|
568
-4%
|
507
-11%
|
437
-14%
|
371
-15%
|
326
-12%
|
329
+1%
|
361
+10%
|
309
-14%
|
283
-8%
|
234
-17%
|
|
Operating Income | |||||||||||||||||||||||||||||||||
Operating Expenses |
(264)
|
(285)
|
(301)
|
(328)
|
(349)
|
(374)
|
(396)
|
(421)
|
(450)
|
(479)
|
(490)
|
(497)
|
(510)
|
(523)
|
(544)
|
(570)
|
(588)
|
(589)
|
(566)
|
(539)
|
(508)
|
(494)
|
(467)
|
(391)
|
(321)
|
(254)
|
(243)
|
(283)
|
(342)
|
(322)
|
(296)
|
(235)
|
|
Selling, General & Administrative |
(82)
|
(88)
|
(94)
|
(99)
|
(103)
|
(108)
|
(113)
|
(117)
|
(118)
|
(123)
|
(128)
|
(130)
|
(137)
|
(141)
|
(145)
|
(152)
|
(157)
|
(162)
|
(158)
|
(153)
|
(149)
|
(144)
|
(140)
|
(141)
|
(138)
|
(133)
|
(135)
|
(133)
|
(134)
|
(136)
|
(136)
|
(130)
|
|
Depreciation & Amortization |
(8)
|
(8)
|
(8)
|
(8)
|
(9)
|
(9)
|
(10)
|
(11)
|
(11)
|
(11)
|
(10)
|
(10)
|
(10)
|
(10)
|
(11)
|
(12)
|
(13)
|
(15)
|
(16)
|
(16)
|
(16)
|
(16)
|
(17)
|
(18)
|
(18)
|
(19)
|
(19)
|
(19)
|
(18)
|
(17)
|
(18)
|
(18)
|
|
Other Operating Expenses |
(174)
|
(188)
|
(198)
|
(221)
|
(237)
|
(257)
|
(274)
|
(293)
|
(322)
|
(346)
|
(351)
|
(356)
|
(362)
|
(372)
|
(389)
|
(407)
|
(418)
|
(413)
|
(393)
|
(370)
|
(343)
|
(334)
|
(311)
|
(232)
|
(165)
|
(103)
|
(88)
|
(130)
|
(189)
|
(168)
|
(141)
|
(87)
|
|
Operating Income |
(61)
N/A
|
(34)
+44%
|
(22)
+35%
|
(14)
+39%
|
9
N/A
|
24
+166%
|
36
+52%
|
43
+19%
|
48
+10%
|
43
-10%
|
54
+26%
|
68
+25%
|
71
+5%
|
82
+16%
|
90
+10%
|
90
-1%
|
95
+6%
|
100
+6%
|
105
+4%
|
110
+5%
|
105
-5%
|
95
-10%
|
100
+6%
|
116
+16%
|
116
0%
|
117
+1%
|
84
-29%
|
46
-45%
|
19
-58%
|
(13)
N/A
|
(13)
+0%
|
(1)
+94%
|
|
Pre-Tax Income | |||||||||||||||||||||||||||||||||
Interest Income Expense |
(14)
|
(22)
|
(25)
|
(33)
|
(39)
|
(46)
|
(58)
|
(65)
|
(73)
|
(77)
|
(76)
|
(74)
|
(70)
|
(70)
|
(74)
|
(78)
|
(81)
|
(81)
|
(77)
|
(71)
|
(63)
|
(58)
|
(54)
|
(52)
|
(49)
|
(44)
|
(41)
|
(39)
|
(38)
|
(42)
|
(46)
|
(51)
|
|
Non-Reccuring Items |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(4)
|
0
|
0
|
0
|
(1)
|
0
|
0
|
(24)
|
(23)
|
(23)
|
(23)
|
|
Gain/Loss on Disposition of Assets |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
0
|
0
|
1
|
1
|
1
|
1
|
|
Total Other Income |
0
|
0
|
6
|
6
|
6
|
6
|
0
|
0
|
0
|
(0)
|
3
|
2
|
2
|
2
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(20)
|
(20)
|
(18)
|
(17)
|
1
|
1
|
0
|
0
|
|
Pre-Tax Income |
(76)
N/A
|
(56)
+26%
|
(42)
+26%
|
(41)
+2%
|
(25)
+40%
|
(16)
+34%
|
(22)
-34%
|
(21)
+2%
|
(25)
-19%
|
(34)
-35%
|
(19)
+44%
|
(4)
+80%
|
3
N/A
|
14
+377%
|
16
+11%
|
12
-25%
|
14
+17%
|
19
+38%
|
27
+41%
|
38
+42%
|
41
+6%
|
31
-23%
|
45
+43%
|
62
+39%
|
47
-24%
|
53
+13%
|
26
-51%
|
(8)
N/A
|
(41)
-400%
|
(76)
-83%
|
(80)
-6%
|
(72)
+10%
|
|
Net Income | |||||||||||||||||||||||||||||||||
Tax Provision |
21
|
15
|
12
|
10
|
5
|
1
|
5
|
4
|
3
|
8
|
3
|
5
|
3
|
(1)
|
(3)
|
(3)
|
(2)
|
(3)
|
(5)
|
(10)
|
(12)
|
(8)
|
(14)
|
(18)
|
(11)
|
(12)
|
(4)
|
3
|
8
|
15
|
16
|
5
|
|
Income from Continuing Operations |
(55)
|
(41)
|
(30)
|
(31)
|
(20)
|
(15)
|
(17)
|
(18)
|
(22)
|
(26)
|
(16)
|
1
|
6
|
13
|
14
|
9
|
13
|
16
|
22
|
29
|
29
|
23
|
31
|
45
|
36
|
41
|
22
|
(6)
|
(34)
|
(60)
|
(64)
|
(68)
|
|
Net Income (Common) |
(55)
N/A
|
(41)
+25%
|
(30)
+27%
|
(31)
-3%
|
(20)
+35%
|
(15)
+25%
|
(17)
-10%
|
(18)
-7%
|
(22)
-26%
|
(26)
-18%
|
(16)
+40%
|
1
N/A
|
(7)
N/A
|
1
N/A
|
1
+11%
|
(4)
N/A
|
13
N/A
|
16
+31%
|
19
+16%
|
28
+47%
|
32
+15%
|
14
-57%
|
17
+20%
|
33
+97%
|
21
-37%
|
38
+85%
|
27
-30%
|
(5)
N/A
|
(34)
-517%
|
(60)
-79%
|
(64)
-6%
|
(68)
-6%
|
|
EPS (Diluted) |
-1.57
N/A
|
-1.18
+25%
|
-0.87
+26%
|
-0.89
-2%
|
-0.57
+36%
|
-0.43
+25%
|
-0.48
-12%
|
-0.51
-6%
|
-0.64
-25%
|
-0.92
-44%
|
-0.4
+57%
|
0.02
N/A
|
-0.16
N/A
|
0.02
N/A
|
0.02
N/A
|
-0.09
N/A
|
0.28
N/A
|
0.37
+32%
|
0.43
+16%
|
0.63
+47%
|
0.73
+16%
|
0.32
-56%
|
0.4
+25%
|
0.81
+103%
|
0.54
-33%
|
1.02
+89%
|
0.76
-25%
|
-0.16
N/A
|
-1.03
-544%
|
-1.92
-86%
|
-2.04
-6%
|
-2.18
-7%
|