Definitive Analysis

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Definitive Analysis

Financial Statements

Company Industry Sector

Fundamentals

Margins Returns Growth Rates Metrics/Ratios

Valuations

Projections DCF DDM EPV Multiples Valuations

Miscellaneous

Indicators Charts WACC Beta Predictability

Mode

Company

Ticker

Industry

Sector

Elevate Credit, Inc. (ELVT)

Company Dividend Discount ModelIndustry: Financial - Credit ServicesSector: Financial Services

Valuation Snapshot

Stable Growth	$2.55 - $3.96	$3.20
Multi-Stage	$6.05 - $6.65	$6.34
Blended Fair Value	$4.77
Current Price	$1.75
Upside	172.65%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2021	2020	2019	2018	2017	2016	2015	2014	2013
DPS	0.00%	0.00%	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
YoY Growth	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	9.70
(-) Cash Dividends Paid (M)	7.37
(=) Cash Retained (M)	2.34

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.94	1.21	0.73
Cash Retained (M)	2.34	2.34	2.34
(-) Cash Required (M)	-1.94	-1.21	-0.73
(=) Excess Retained (M)	0.40	1.12	1.61
(/) Shares Outstanding (M)	35.84	35.84	35.84
(=) Excess Retained per Share	0.01	0.03	0.04
LTM Dividend per Share	0.21	0.21	0.21
(+) Excess Retained per Share	0.01	0.03	0.04
(=) Adjusted Dividend	0.22	0.24	0.25
WACC / Discount Rate	6.33%	6.33%	6.33%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$2.55	$3.20	$3.96
Upside / Downside	45.60%	82.83%	126.08%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	9.70	9.60	9.51	9.41	9.32	9.23	9.50
Payout Ratio	75.91%	78.73%	81.55%	84.36%	87.18%	90.00%	92.50%
Projected Dividends (M)	7.37	7.56	7.75	7.94	8.13	8.30	8.79

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.33%	6.33%	6.33%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	7.04	7.11	7.18
Year 2 PV (M)	6.72	6.86	7.00
Year 3 PV (M)	6.41	6.61	6.81
Year 4 PV (M)	6.10	6.36	6.62
Year 5 PV (M)	5.81	6.11	6.42
PV of Terminal Value (M)	184.68	194.30	204.32
Equity Value (M)	216.77	227.35	238.35
Shares Outstanding (M)	35.84	35.84	35.84
Fair Value	$6.05	$6.34	$6.65
Upside / Downside	245.59%	262.46%	280.00%

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