Elevate credit, inc. (ELVT)
Income statement / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16
Revenues

734,913

746,962

767,330

776,032

782,649

786,682

752,245

701,236

0

-

0

0

-

-

-

-

-

Revenues

-

-

-

-

-

-

-

-

-

-

-

-

606,086

-

0

0

0

Cost of sales:
Provision for loan losses

0

-

0

-

0

-

0

-

-

-

-

-

-

-

-

-

-

Provision for Loan and Lease Losses

-

-

-

396,695

-

-

-

383,224

366,923

357,574

351,609

346,688

341,525

317,821

0

0

0

Direct marketing costs

52,200

51,283

54,619

62,078

68,064

77,605

0

0

0

-

-

-

-

-

-

-

-

Direct marketing costs

-

-

-

-

-

-

-

-

-

-

-

-

66,072

-

0

0

0

Other cost of sales

32,116

28,846

26,548

27,086

25,090

26,359

27,061

24,898

22,757

20,536

18,936

18,060

17,958

17,433

0

0

0

Total cost of sales

443,879

444,370

465,013

485,859

500,422

515,943

514,033

493,139

472,109

450,332

435,856

432,729

425,555

400,444

0

0

0

Gross profit

291,034

302,592

302,317

290,173

282,227

270,739

258,804

251,069

238,193

222,800

212,852

197,048

180,531

179,997

0

0

0

Operating expenses:
Compensation and benefits

103,551

103,070

102,496

99,923

97,665

94,382

91,302

86,424

83,868

81,969

76,331

74,325

70,085

65,657

0

0

0

Professional services

36,223

36,715

36,663

37,737

37,251

35,864

34,278

33,107

33,584

32,848

32,606

32,422

30,986

30,659

0

0

0

Selling and marketing

6,959

7,381

7,755

8,131

8,329

9,435

9,216

9,088

8,827

8,353

8,536

8,912

9,657

9,684

0

0

0

Occupancy and equipment

0

-

0

-

0

-

0

-

-

-

-

-

-

-

-

-

-

Operating Leases, Rent Expense

-

-

-

19,029

-

-

-

15,868

14,757

-

12,997

12,698

11,997

11,475

0

0

0

Depreciation and amortization

17,911

17,380

16,761

15,901

14,539

12,988

11,782

10,948

10,379

10,272

10,280

10,401

10,881

10,906

0

0

0

Other

5,855

5,911

5,900

5,881

5,739

5,649

5,523

5,375

4,902

4,600

4,441

4,272

4,021

3,812

0

0

0

Total operating expenses

191,908

191,169

189,105

186,602

182,003

175,865

169,295

160,810

156,317

151,937

145,191

143,030

137,627

132,193

0

0

0

Operating Income (Loss)

99,126

111,423

113,338

103,697

100,350

95,000

89,646

90,396

82,013

71,000

67,661

54,018

42,904

47,804

0

0

0

Other expense:
Net interest expense (See Note 14)

61,622

66,646

72,738

77,888

79,204

79,198

76,727

74,178

73,010

73,043

74,081

73,910

70,023

64,277

0

0

0

Foreign currency transaction (loss) gain

-1,091

334

-1,576

-1,031

-1,552

-1,409

-720

141

3,088

2,900

285

-1,794

-6,883

-8,809

0

0

0

Goodwill, Impairment Loss

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

Non-operating loss

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

Non-operating loss

-

-

-1,007

-312

-

-

-150

-256

2,390

-

2,364

2,470

-176

-43

0

0

0

Total other expense

-76,908

-66,993

-75,321

-79,231

-81,068

-80,957

-77,597

-74,293

-67,532

-67,848

-71,432

-73,234

-77,082

-73,129

0

0

0

(Loss) income before taxes

22,218

44,430

37,891

24,340

19,156

13,917

11,912

15,966

14,344

3,015

-3,771

-19,216

-34,178

-25,325

0

0

0

Income Tax Expense (Benefit)

8,304

12,247

9,865

5,312

2,772

1,408

15,729

14,959

13,445

9,931

-4,627

-3,235

-7,681

-2,952

0

0

0

Net Income (Loss) Attributable to Parent

13,914

32,183

28,026

19,028

16,384

12,509

-3,817

1,007

899

-6,916

856

-15,981

-26,497

-22,373

0

0

0

Basic (loss) earnings per share (in usd per share)

-0.11

0.18

0.11

0.13

0.31

0.10

-0.10

0.07

0.22

-0.42

0.01

0.08

0.13

-0.35

-1.25

-0.59

0.45

Diluted (loss) earnings per share (in usd per share)

-0.11

0.19

0.11

0.13

0.30

0.09

-0.10

0.07

0.22

-0.35

0.01

0.08

0.06

-0.10

-1.25

-0.59

0.20

Weighted Average Number of Shares Outstanding, Basic

43,161

44,024

44,169

43,681

43,348

43,208

43,182

42,561

42,211

42,247

41,717

38,541

13,138

13,002

12,976

12,800

12,797

Weighted Average Number of Shares Outstanding, Diluted

43,161

44,441

44,743

44,291

43,875

46,095

43,182

44,239

43,680

23,801

43,158

39,950

28,735

-3,006

12,976

12,800

28,806

Pro forma basic earnings per share (usd per share)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0.22

Pro forma diluted earnings per share (usd per share)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0.20

Pro forma basic weighted average shares outstanding (in shares)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

26,895

Pro forma diluted weighted average shares outstanding (in shares)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

28,806