Elevate Credit EBITDA | ELVT

Earnings before Interest, Taxes, Depreciation, and Amortization (EBITDA), is an often used measure of a company's profitability. Financial analysts use EBITDA for a number of purposes including calculating simple valuations of a firm, estimating cash flows, and assessing debt servicing capability. The uses for EBITDA in financial analysis are numerous, but in practice should be more restrained. While EBITDA has some useful applications, it should be used with caution, as the problems with EBITDA are abundant and can lead to a number of misguided conclusions.^[1]

EBITDA is an important indicator for investors and analysts because it allows them to evaluate a company's operating profit without considering the impact of financial expenses, taxes, or non-cash depreciation and amortization. It provides better comparability between companies in different industries or with different tax conditions.

EBITDA is often used to assess a company's ability to generate cash flow and repay debts. It can also serve as a measure of a company's operational efficiency, as it shows how profitable the core business is, regardless of external factors such as interest or taxes.

However, it is important to note that EBITDA is not an official financial statement measure and can be defined and calculated differently by companies. Therefore, investors and analysts should exercise caution when using EBITDA as an evaluation tool and combine it with other financial metrics and information to get a more complete picture of a company's financial condition.

Annual EBITDA Elevate Credit

2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
37.8 M	138 M	117 M	99.2 M	81.1 M	58.7 M	17.9 M	-52.8 M	-47.1 M	-	-

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
138 M	-52.8 M	50.1 M

Quarterly EBITDA Elevate Credit

2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
-	13.4 M	10 M	-3.54 M	-	1.44 M	9.79 M	30 M	-	38.7 M	42.6 M	30.5 M	-	26.7 M	31.4 M	42.2 M	-	16.2 M	26.7 M	35.3 M	-	16.1 M	17.7 M	24.2 M	-	50.8 M	50.9 M	50.6 M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
50.9 M	-3.54 M	26.7 M

References

Brockman, C. M., & Russell, J. W. (2012). EBITDA: use it... or lose it?. International Journal of Business, Accounting and Finance, 6(2), 84-93.

EBITDA of other stocks in the Payment services industry

Issuer	EBITDA	Price	% 24h	Market Cap	Country
Pintec Technology Holdings Limited PT	-14.1 M	-	-	$ 671 M	China
Jianpu Technology JT	23.1 M	-	7.78 %	$ 331 M	-
Qiwi plc QIWI	1.02 B	-	-	-	Cyprus
American Express Company AXP	1.78 B	$ 326.17	-4.28 %	$ 227 B	USA
CURO Group Holdings Corp. CURO	13.5 M	-	-6.4 %	$ 7.82 M	USA
Regional Management Corp. RM	16.2 M	$ 41.65	1.31 %	$ 393 M	USA
Alliance Data Systems Corporation ADS	964 M	-	-1.74 %	$ 2.84 B	USA
Xiaobai Maimai Inc. HX	-67.9 M	-	-10.24 %	$ 37.1 M	China
Dragon Victory International Limited LYL	17.4 M	-	-2.89 %	$ 13.5 M	China
Marlin Business Services Corp. MRLN	37.8 M	-	-0.17 %	$ 276 M	USA
Owl Rock Capital Corporation ORCC	329 M	-	-0.15 %	$ 5.25 B	USA
Santander Consumer USA Holdings Inc. SC	9.17 B	-	1.44 %	$ 13 B	USA
FlexShopper FPAY	18.8 M	-	2.7 %	$ 4.12 M	USA
World Acceptance Corporation WRLD	5.8 M	$ 204.67	13.03 %	$ 1.01 B	USA
Discover Financial Services DFS	71 M	-	-0.21 %	$ 50.2 B	USA
Nicholas Financial NICK	-5.46 M	-	-0.16 %	$ 45.1 M	USA
LendingClub Corporation LC	3.2 M	-	-	$ 2.2 B	USA
Consumer Portfolio Services CPSS	881 K	$ 9.45	0.21 %	$ 207 M	USA
MoneyGram International MGI	144 M	-	-	$ 1.07 B	USA
Qudian QD	-348 M	-	-	$ 634 M	China
Nelnet NNI	90.6 M	$ 133.36	1.34 %	$ 4.85 B	USA
FirstCash FCFS	300 M	$ 195.06	-1.19 %	$ 8.64 B	USA
Atlanticus Holdings Corporation ATLC	9.9 M	$ 99.48	4.04 %	$ 1.5 B	USA
Senmiao Technology Limited AIHS	-2.01 M	$ 1.33	-6.99 %	$ 3.56 M	China
Barings BDC, Inc. BBDC	41.2 M	$ 8.23	0.43 %	$ 395 M	USA
Security National Financial Corporation SNFCA	2.43 M	$ 9.48	1.61 %	$ 234 M	USA
Credit Acceptance Corporation CACC	3.6 M	$ 574.08	-3.12 %	$ 6.57 B	USA
EZCORP EZPW	182 M	$ 29.54	-2.06 %	$ 1.7 B	USA
Goldman Sachs BDC, Inc. GSBD	54.3 M	$ 8.66	0.58 %	$ 350 M	USA
Ally Financial ALLY	1.4 B	$ 42.92	-2.39 %	$ 13.3 B	USA
Capital One Financial Corporation COF	5.26 B	$ 202.84	1.45 %	$ 110 B	USA
360 DigiTech QFIN	6.75 B	$ 13.19	0.46 %	$ 3.52 B	China
Green Dot Corporation GDOT	78.4 M	$ 13.28	1.37 %	$ 732 M	USA
Enova International ENVA	781 M	$ 237.27	8.94 %	$ 5.97 B	USA
Dunxin Financial Holdings Limited DXF	-30.3 M	$ 0.48	-7.11 %	$ 6.12 B	China
FinVolution Group FINV	66.5 M	$ 4.75	0.64 %	$ 5.98 B	USA
ORIX Corporation IX	861 B	$ 40.31	0.52 %	$ 45 B	Japan
Navient Corporation NAVI	8 M	$ 8.23	-2.49 %	$ 897 M	USA
OneMain Holdings OMF	287 M	$ 59.74	1.63 %	$ 7.09 B	USA
Mastercard Inc. MA	20 B	$ 539.66	1.77 %	$ 488 B	USA
LexinFintech Holdings Ltd. LX	105 M	$ 1.48	1.37 %	$ 502 M	China
Medallion Financial Corp. MFIN	8.32 M	$ 9.77	2.2 %	$ 223 M	USA
PRA Group PRAA	-21.5 M	$ 16.98	5.14 %	$ 665 M	USA
Synchrony Financial SYF	514 M	$ 72.9	1.56 %	$ 27 B	USA
Upstart Holdings UPST	67.5 M	$ 26.93	-2.39 %	$ 2.59 B	USA
Visa V	25.2 B	$ 355.74	1.18 %	$ 670 B	USA