Elevate Credit, Inc.

ELVT · NYSE
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12/31/2021
12/31/2020
12/31/2019
12/31/2018
Revenue$417$465$747$787
% Growth-10.5%-37.7%-5%
Cost of Goods Sold$241$185$444$516
Gross Profit$175$280$303$271
% Margin42.1%60.2%40.5%34.4%
R&D Expenses$0$0$0$0
G&A Expenses$131$135$160$148
SG&A Expenses$134$138$168$157
Sales & Mktg Exp.$3$3$7$9
Other Operating Expenses$22$22$23$19
Operating Expenses$156$160$191$176
Operating Income-$2$120$111$95
% Margin-0.5%25.8%14.9%12.1%
Other Income/Exp. Net-$61-$73-$67-$81
Pre-Tax Income-$41$47$44$14
Tax Expense-$8$11$12$1
Net Income-$34$36$32$13
% Margin-8.1%7.8%4.3%1.6%
EPS-0.980.870.730.28
% Growth-212.6%19.2%160.7%
EPS Diluted-0.980.870.730.28
Weighted Avg Shares Out34414444
Weighted Avg Shares Out Dil34424444
Supplemental Information
Interest Income$0$0$0$0
Interest Expense$38$49$67$79
Depreciation & Amortization$18-$6$17$13
EBITDA$16$114$128$106
% Margin3.9%24.6%17.1%13.5%