73.64 USD
+1.03 (+1.41%)
73.95 USD
+0.31 (+0.42%)
Taking everything into account, SEZL scores 7 out of 10 in our fundamental rating. SEZL was compared to 99 industry peers in the Financial Services industry. SEZL has an excellent financial health rating, but there are some minor concerns on its profitability. SEZL is not priced too expensively while it is growing strongly. Keep and eye on this one! With these ratings, SEZL could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
In the past year SEZL was profitable.
SEZL had a positive operating cash flow in the past year.
In multiple years SEZL reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: SEZL reported negative operating cash flow in multiple years.
1.2 Ratios
SEZL has a Return On Assets of 31.56%. This is amongst the best in the industry. SEZL outperforms 98.99% of its industry peers.
SEZL has a better Return On Equity (74.58%) than 96.97% of its industry peers.
Looking at the Return On Invested Capital, with a value of 44.06%, SEZL belongs to the top of the industry, outperforming 98.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 31.56% | ||
| ROE | 74.58% | ||
| ROIC | 44.06% |
ROA(3y)2.53%
ROA(5y)-8.93%
ROE(3y)-103.09%
ROE(5y)-112.44%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SEZL (27.66%) is better than 82.83% of its industry peers.
SEZL has a better Operating Margin (36.41%) than 77.78% of its industry peers.
With an excellent Gross Margin value of 84.93%, SEZL belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
In the last couple of years the Gross Margin of SEZL has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 36.41% | ||
| PM (TTM) | 27.66% | ||
| GM | 84.93% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y9.27%
GM growth 5Y9.49%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), SEZL is creating value.
Compared to 1 year ago, SEZL has less shares outstanding
Compared to 5 years ago, SEZL has less shares outstanding
Compared to 1 year ago, SEZL has an improved debt to assets ratio.
2.2 Solvency
SEZL has an Altman-Z score of 10.34. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 10.34, SEZL belongs to the best of the industry, outperforming 91.92% of the companies in the same industry.
SEZL has a debt to FCF ratio of 2.17. This is a good value and a sign of high solvency as SEZL would need 2.17 years to pay back of all of its debts.
The Debt to FCF ratio of SEZL (2.17) is better than 71.72% of its industry peers.
A Debt/Equity ratio of 0.76 indicates that SEZL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.76, SEZL is in line with its industry, outperforming 51.52% of the companies in the same industry.
Although SEZL does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 2.17 | ||
| Altman-Z | 10.34 |
ROIC/WACC4.94
WACC8.91%
2.3 Liquidity
SEZL has a Current Ratio of 3.52. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 3.52, SEZL belongs to the best of the industry, outperforming 84.85% of the companies in the same industry.
A Quick Ratio of 3.52 indicates that SEZL has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 3.52, SEZL belongs to the top of the industry, outperforming 85.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.52 | ||
| Quick Ratio | 3.52 |
3. Growth
3.1 Past
SEZL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.05%, which is quite good.
The Revenue has grown by 88.74% in the past year. This is a very strong growth!
Measured over the past years, SEZL shows a very strong growth in Revenue. The Revenue has been growing by 76.56% on average per year.
EPS 1Y (TTM)17.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.59%
Revenue 1Y (TTM)88.74%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%66.95%
3.2 Future
Based on estimates for the next years, SEZL will show a very strong growth in Earnings Per Share. The EPS will grow by 24.42% on average per year.
SEZL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 43.69% yearly.
EPS Next Y21.49%
EPS Next 2Y25.47%
EPS Next 3Y24.42%
EPS Next 5YN/A
Revenue Next Year80.22%
Revenue Next 2Y50.7%
Revenue Next 3Y43.69%
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.
4. Valuation
4.1 Price/Earnings Ratio
SEZL is valuated rather expensively with a Price/Earnings ratio of 23.75.
SEZL's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of SEZL to the average of the S&P500 Index (26.59), we can say SEZL is valued inline with the index average.
With a Price/Forward Earnings ratio of 16.48, SEZL is valued correctly.
SEZL's Price/Forward Earnings is on the same level as the industry average.
SEZL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.75 | ||
| Fwd PE | 16.48 |
4.2 Price Multiples
SEZL's Enterprise Value to EBITDA is on the same level as the industry average.
SEZL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 46.5 | ||
| EV/EBITDA | 16.45 |
4.3 Compensation for Growth
SEZL's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
SEZL has a very decent profitability rating, which may justify a higher PE ratio.
SEZL's earnings are expected to grow with 24.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.11
PEG (5Y)N/A
EPS Next 2Y25.47%
EPS Next 3Y24.42%
5. Dividend
5.1 Amount
No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
73.64
+1.03 (+1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners30.52%
Inst Owner Change-5.46%
Ins Owners47%
Ins Owner Change-0.78%
Market Cap2.51B
Revenue(TTM)418.63M
Net Income(TTM)115.81M
Analysts82
Price TargetN/A
Short Float %25.31%
Short Ratio4.45
Dividend
| Industry Rank | Sector 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)11.74%
Min EPS beat(2)6.84%
Max EPS beat(2)16.63%
EPS beat(4)4
Avg EPS beat(4)108.96%
Min EPS beat(4)6.84%
Max EPS beat(4)380.18%
EPS beat(8)8
Avg EPS beat(8)801.78%
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)2
Avg Revenue beat(2)5.7%
Min Revenue beat(2)1.93%
Max Revenue beat(2)9.46%
Revenue beat(4)4
Avg Revenue beat(4)24.1%
Min Revenue beat(4)1.93%
Max Revenue beat(4)58.85%
Revenue beat(8)8
Avg Revenue beat(8)24.78%
Revenue beat(12)11
Avg Revenue beat(12)18.23%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-9.77%
PT rev (3m)-9.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.81%
EPS NY rev (1m)3.5%
EPS NY rev (3m)3.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.31%
Revenue NY rev (1m)1.93%
Revenue NY rev (3m)1.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.75 | ||
| Fwd PE | 16.48 | ||
| P/S | 6.01 | ||
| P/FCF | 46.5 | ||
| P/OCF | 44.44 | ||
| P/B | 16.2 | ||
| P/tB | 16.53 | ||
| EV/EBITDA | 16.45 |
EPS(TTM)3.1
EY4.21%
EPS(NY)4.47
Fwd EY6.07%
FCF(TTM)1.58
FCFY2.15%
OCF(TTM)1.66
OCFY2.25%
SpS12.26
BVpS4.55
TBVpS4.46
PEG (NY)1.11
PEG (5Y)N/A
Graham Number17.81
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 31.56% | ||
| ROE | 74.58% | ||
| ROCE | 55.77% | ||
| ROIC | 44.06% | ||
| ROICexc | 71.18% | ||
| ROICexgc | 72.51% | ||
| OM | 36.41% | ||
| PM (TTM) | 27.66% | ||
| GM | 84.93% | ||
| FCFM | 12.92% |
ROA(3y)2.53%
ROA(5y)-8.93%
ROE(3y)-103.09%
ROE(5y)-112.44%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
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 3Y9.27%
GM growth 5Y9.49%
F-Score8
Asset Turnover1.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 2.17 | ||
| Debt/EBITDA | 0.76 | ||
| Cap/Depr | 204.82% | ||
| Cap/Sales | 0.6% | ||
| Interest Coverage | 10.29 | ||
| Cash Conversion | 36.83% | ||
| Profit Quality | 46.7% | ||
| Current Ratio | 3.52 | ||
| Quick Ratio | 3.52 | ||
| Altman-Z | 10.34 |
F-Score8
WACC8.91%
ROIC/WACC4.94
Cap/Depr(3y)143.43%
Cap/Depr(5y)158.23%
Cap/Sales(3y)0.73%
Cap/Sales(5y)0.94%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.59%
EPS Next Y21.49%
EPS Next 2Y25.47%
EPS Next 3Y24.42%
EPS Next 5YN/A
Revenue 1Y (TTM)88.74%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%66.95%
Revenue Next Year80.22%
Revenue Next 2Y50.7%
Revenue Next 3Y43.69%
Revenue Next 5YN/A
EBIT growth 1Y158.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year137.21%
EBIT Next 3Y60.18%
EBIT Next 5YN/A
FCF growth 1Y615.39%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y712.83%
OCF growth 3YN/A
OCF growth 5YN/A
SEZZLE INC / SEZL FAQ
What is the fundamental rating for SEZL stock?
ChartMill assigns a fundamental rating of 7 / 10 to SEZL.
Can you provide the valuation status for SEZZLE INC?
ChartMill assigns a valuation rating of 4 / 10 to SEZZLE INC (SEZL). This can be considered as Fairly Valued.
What is the profitability of SEZL stock?
SEZZLE INC (SEZL) has a profitability rating of 6 / 10.
What is the valuation of SEZZLE INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SEZZLE INC (SEZL) is 23.75 and the Price/Book (PB) ratio is 16.2.
What is the earnings growth outlook for SEZZLE INC?
The Earnings per Share (EPS) of SEZZLE INC (SEZL) is expected to grow by 21.49% in the next year.