SEZZLE INC (SEZL) Fundamental Analysis & Valuation

NASDAQ:SEZL • US78435P1057

Current stock price

74.175 USD
+3.52 (+4.97%)
At close:
74.18 USD
+0.01 (+0.01%)
Pre-Market:

This SEZL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. SEZL Profitability Analysis

1.1 Basic Checks

  • In the past year SEZL was profitable.
  • In the past year SEZL had a positive cash flow from operations.
  • In multiple years SEZL reported negative net income over the last 5 years.
  • In multiple years SEZL reported negative operating cash flow during the last 5 years.
SEZL Yearly Net Income VS EBIT VS OCF VS FCFSEZL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M 150M 200M

1.2 Ratios

  • With an excellent Return On Assets value of 33.26%, SEZL belongs to the best of the industry, outperforming 98.99% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 78.40%, SEZL belongs to the top of the industry, outperforming 97.98% of the companies in the same industry.
  • SEZL has a Return On Invested Capital of 46.54%. This is amongst the best in the industry. SEZL outperforms 98.99% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for SEZL is significantly above the industry average of 8.00%.
  • The 3 year average ROIC (51.03%) for SEZL is well above the current ROIC(46.54%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 33.26%
ROE 78.4%
ROIC 46.54%
ROA(3y)20.97%
ROA(5y)1.44%
ROE(3y)66.64%
ROE(5y)-85.95%
ROIC(3y)51.03%
ROIC(5y)N/A
SEZL Yearly ROA, ROE, ROICSEZL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -100 -200 -300 -400

1.3 Margins

  • SEZL's Profit Margin of 29.57% is amongst the best of the industry. SEZL outperforms 86.87% of its industry peers.
  • SEZL's Operating Margin of 39.26% is amongst the best of the industry. SEZL outperforms 80.81% of its industry peers.
  • SEZL has a Gross Margin of 85.35%. This is amongst the best in the industry. SEZL outperforms 89.90% of its industry peers.
  • In the last couple of years the Gross Margin of SEZL has grown nicely.
Industry RankSector Rank
OM 39.26%
PM (TTM) 29.57%
GM 85.35%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y8.12%
GM growth 5Y6.69%
SEZL Yearly Profit, Operating, Gross MarginsSEZL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -2K -4K -6K

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. SEZL Health Analysis

2.1 Basic Checks

  • SEZL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • The number of shares outstanding for SEZL remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for SEZL has been reduced compared to 5 years ago.
  • SEZL has a worse debt/assets ratio than last year.
SEZL Yearly Shares OutstandingSEZL Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
SEZL Yearly Total Debt VS Total AssetsSEZL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.2 Solvency

  • SEZL has an Altman-Z score of 9.90. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 9.90, SEZL belongs to the top of the industry, outperforming 93.94% of the companies in the same industry.
  • SEZL has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
  • SEZL's Debt to FCF ratio of 0.68 is amongst the best of the industry. SEZL outperforms 84.85% of its industry peers.
  • SEZL has a Debt/Equity ratio of 0.82. This is a neutral value indicating SEZL is somewhat dependend on debt financing.
  • SEZL has a Debt to Equity ratio (0.82) which is comparable to the rest of the industry.
  • Although SEZL's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.82
Debt/FCF 0.68
Altman-Z 9.9
ROIC/WACC5.18
WACC8.99%
SEZL Yearly LT Debt VS Equity VS FCFSEZL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M 150M 200M

2.3 Liquidity

  • A Current Ratio of 3.92 indicates that SEZL has no problem at all paying its short term obligations.
  • The Current ratio of SEZL (3.92) is better than 86.87% of its industry peers.
  • SEZL has a Quick Ratio of 3.92. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
  • SEZL has a better Quick ratio (3.92) than 86.87% of its industry peers.
Industry RankSector Rank
Current Ratio 3.92
Quick Ratio 3.92
SEZL Yearly Current Assets VS Current LiabilitesSEZL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. SEZL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.19% over the past year.
  • The Revenue has grown by 66.08% in the past year. This is a very strong growth!
  • The Revenue has been growing by 50.26% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)27.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%72.86%
Revenue 1Y (TTM)66.08%
Revenue growth 3Y53.06%
Revenue growth 5Y50.26%
Sales Q2Q%32.22%

3.2 Future

  • The Earnings Per Share is expected to grow by 28.99% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, SEZL will show a very strong growth in Revenue. The Revenue will grow by 26.23% on average per year.
EPS Next Y32.81%
EPS Next 2Y28.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.07%
Revenue Next 2Y26.23%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
SEZL Yearly Revenue VS EstimatesSEZL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
SEZL Yearly EPS VS EstimatesSEZL Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 -5 -10

More info and screens

Find the best growth stocksShow best growing peers

6

4. SEZL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 20.55, the valuation of SEZL can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of SEZL is on the same level as its industry peers.
  • SEZL is valuated rather cheaply when we compare the Price/Earnings ratio to 27.53, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 15.47, SEZL is valued correctly.
  • SEZL's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of SEZL to the average of the S&P500 Index (37.95), we can say SEZL is valued rather cheaply.
Industry RankSector Rank
PE 20.55
Fwd PE 15.47
SEZL Price Earnings VS Forward Price EarningsSEZL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • SEZL's Enterprise Value to EBITDA is on the same level as the industry average.
  • Based on the Price/Free Cash Flow ratio, SEZL is valued a bit cheaper than the industry average as 72.73% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 12.1
EV/EBITDA 14.5
SEZL Per share dataSEZL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The excellent profitability rating of SEZL may justify a higher PE ratio.
  • A more expensive valuation may be justified as SEZL's earnings are expected to grow with 28.99% in the coming years.
PEG (NY)0.63
PEG (5Y)N/A
EPS Next 2Y28.99%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. SEZL Dividend Analysis

5.1 Amount

  • No dividends for SEZL!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

SEZL Fundamentals: All Metrics, Ratios and Statistics

SEZZLE INC

NASDAQ:SEZL (4/16/2026, 8:00:02 PM)

Premarket: 74.18 +0.01 (+0.01%)

74.175

+3.52 (+4.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners39.87%
Inst Owner Change0.22%
Ins Owners46.73%
Ins Owner Change-0.5%
Market Cap2.51B
Revenue(TTM)450.28M
Net Income(TTM)133.13M
Analysts81.82
Price Target95.03 (28.12%)
Short Float %26.74%
Short Ratio5.54
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.24%
Min EPS beat(2)6.84%
Max EPS beat(2)23.63%
EPS beat(4)4
Avg EPS beat(4)106.82%
Min EPS beat(4)6.84%
Max EPS beat(4)380.18%
EPS beat(8)8
Avg EPS beat(8)569.02%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)4.48%
Min Revenue beat(2)-0.5%
Max Revenue beat(2)9.46%
Revenue beat(4)3
Avg Revenue beat(4)17.44%
Min Revenue beat(4)-0.5%
Max Revenue beat(4)58.85%
Revenue beat(8)7
Avg Revenue beat(8)22.56%
Revenue beat(12)10
Avg Revenue beat(12)18.1%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.61%
PT rev (3m)-14.13%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)1.24%
EPS NY rev (1m)0.16%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0.22%
Revenue NQ rev (3m)1.71%
Revenue NY rev (1m)2.07%
Revenue NY rev (3m)1.46%
Valuation
Industry RankSector Rank
PE 20.55
Fwd PE 15.47
P/S 5.57
P/FCF 12.1
P/OCF 11.94
P/B 14.76
P/tB 15.06
EV/EBITDA 14.5
EPS(TTM)3.61
EY4.87%
EPS(NY)4.79
Fwd EY6.46%
FCF(TTM)6.13
FCFY8.26%
OCF(TTM)6.21
OCFY8.37%
SpS13.32
BVpS5.02
TBVpS4.93
PEG (NY)0.63
PEG (5Y)N/A
Graham Number20.2008 (-72.77%)
Profitability
Industry RankSector Rank
ROA 33.26%
ROE 78.4%
ROCE 56.94%
ROIC 46.54%
ROICexc 58.64%
ROICexgc 59.44%
OM 39.26%
PM (TTM) 29.57%
GM 85.35%
FCFM 46.02%
ROA(3y)20.97%
ROA(5y)1.44%
ROE(3y)66.64%
ROE(5y)-85.95%
ROIC(3y)51.03%
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)62.43%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y8.12%
GM growth 5Y6.69%
F-Score8
Asset Turnover1.13
Health
Industry RankSector Rank
Debt/Equity 0.82
Debt/FCF 0.68
Debt/EBITDA 0.79
Cap/Depr 198.75%
Cap/Sales 0.6%
Interest Coverage 11.54
Cash Conversion 117.83%
Profit Quality 155.65%
Current Ratio 3.92
Quick Ratio 3.92
Altman-Z 9.9
F-Score8
WACC8.99%
ROIC/WACC5.18
Cap/Depr(3y)170.01%
Cap/Depr(5y)163.73%
Cap/Sales(3y)0.67%
Cap/Sales(5y)0.81%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%72.86%
EPS Next Y32.81%
EPS Next 2Y28.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)66.08%
Revenue growth 3Y53.06%
Revenue growth 5Y50.26%
Sales Q2Q%32.22%
Revenue Next Year28.07%
Revenue Next 2Y26.23%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y114.95%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year47.01%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y425.44%
FCF growth 3Y202.26%
FCF growth 5YN/A
OCF growth 1Y413.22%
OCF growth 3Y191.07%
OCF growth 5YN/A

SEZZLE INC / SEZL Fundamental Analysis FAQ

What is the fundamental rating for SEZL stock?

ChartMill assigns a fundamental rating of 7 / 10 to SEZL.


What is the valuation status for SEZL stock?

ChartMill assigns a valuation rating of 6 / 10 to SEZZLE INC (SEZL). This can be considered as Fairly Valued.


How profitable is SEZZLE INC (SEZL) stock?

SEZZLE INC (SEZL) has a profitability rating of 8 / 10.


What are the PE and PB ratios of SEZZLE INC (SEZL) stock?

The Price/Earnings (PE) ratio for SEZZLE INC (SEZL) is 20.55 and the Price/Book (PB) ratio is 14.76.