Elevate Credit (ELVT) versus Everyday Health (EVDY) Financial Review

Elevate Credit (NYSE: ELVT) and Everyday Health (NYSE:EVDY) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their profitability, earnings, analyst recommendations, valuation, institutional ownership, dividends and risk.

Analyst Recommendations

This is a breakdown of recent recommendations for Elevate Credit and Everyday Health, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Elevate Credit 0 3 6 0 2.67
Everyday Health 0 0 0 0 N/A

Elevate Credit currently has a consensus target price of $10.31, indicating a potential upside of 41.46%. Given Elevate Credit’s higher possible upside, equities research analysts plainly believe Elevate Credit is more favorable than Everyday Health.

Valuation and Earnings

This table compares Elevate Credit and Everyday Health’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Elevate Credit $673.13 million 0.45 -$6.92 million ($0.14) -52.07
Everyday Health N/A N/A N/A ($0.70) -15.00

Everyday Health has lower revenue, but higher earnings than Elevate Credit. Elevate Credit is trading at a lower price-to-earnings ratio than Everyday Health, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Elevate Credit and Everyday Health’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Elevate Credit -1.03% 7.30% 0.90%
Everyday Health -9.73% -14.40% -6.75%

Insider & Institutional Ownership

52.8% of Elevate Credit shares are owned by institutional investors. Comparatively, 73.1% of Everyday Health shares are owned by institutional investors. 19.8% of Everyday Health shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Elevate Credit beats Everyday Health on 7 of the 10 factors compared between the two stocks.

Elevate Credit Company Profile

Elevate Credit, Inc. provides online credit solutions to non-prime consumers, typically defined as those with credit scores of less than 700. The Company uses advanced technology risk analytics to provide financial options to its customers, who are not well-served by either banks or legacy non-prime lenders. It offers online installment loans and lines of credit in the United States, and the United Kingdom. Its products, Rise, Elastic and Sunny, provide customers with access to priced credit and services while helping them with credit building and financial wellness features. Its products include credit building and financial wellness programs, such as credit reporting, free credit monitoring (in the United States) and online financial literacy videos and tools. Rise is an installment loan product. As of March 31, 2016, Rise was available in 15 states in the United States. Sunny is the Company’s United Kingdom installment loan product.

Everyday Health Company Profile

Everyday Health, Inc., formerly Waterfront Media Inc., operates a digital marketing and communications platform for healthcare marketers that want to engage with consumers and healthcare professionals. The Company’s platform combines content from brands, data and analytics. The Company’s segment is providing digital health marketing and communications solutions. The Company’s flagship brand, Everyday Health, is a health information portal that provides consumers with actionable health information intended to empower users to manage their health and wellness. The Company’s flagship professional property, MedPage Today, includes a team of approximately 30 journalists, including editors, reporters and videographers, and provides clinical news based on research findings published in peer-reviewed medical journals, as well as research reported at various medical conferences around the world.

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