67.51 USD
-0.2 (-0.3%)
At close: Feb 9, 2026
68.86 USD
+1.35 (+2%)
After Hours: 2/9/2026, 5:31:57 PM
Overall SEZL gets a fundamental rating of 7 out of 10. We evaluated SEZL against 96 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 growing strongly while it is still valued neutral. This is a good combination! These ratings could make SEZL a good candidate for growth investing.
1. Profitability
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.
1.2 Ratios
- With an excellent Return On Assets value of 31.56%, SEZL belongs to the best of the industry, outperforming 98.96% of the companies in the same industry.
- SEZL's Return On Equity of 74.58% is amongst the best of the industry. SEZL outperforms 96.88% of its industry peers.
- SEZL has a better Return On Invested Capital (44.06%) than 98.96% of its industry peers.
| 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
- Looking at the Profit Margin, with a value of 27.66%, SEZL belongs to the top of the industry, outperforming 82.29% of the companies in the same industry.
- The Operating Margin of SEZL (36.41%) is better than 78.13% of its industry peers.
- SEZL's Gross Margin of 84.93% is amongst the best of the industry. SEZL outperforms 89.58% of its industry peers.
- 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
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so SEZL is creating value.
- SEZL has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, SEZL has less shares outstanding
- The debt/assets ratio for SEZL has been reduced compared to a year ago.
2.2 Solvency
- SEZL has an Altman-Z score of 9.76. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
- With an excellent Altman-Z score value of 9.76, SEZL belongs to the best of the industry, outperforming 93.75% 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.
- SEZL has a Debt to FCF ratio of 2.17. This is in the better half of the industry: SEZL outperforms 71.88% of its industry peers.
- A Debt/Equity ratio of 0.76 indicates that SEZL is somewhat dependend on debt financing.
- The Debt to Equity ratio of SEZL (0.76) is comparable to the rest of the 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 | 9.76 |
ROIC/WACC4.92
WACC8.96%
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.
- Looking at the Current ratio, with a value of 3.52, SEZL belongs to the top of the industry, outperforming 86.46% of the companies in the same industry.
- SEZL has a Quick Ratio of 3.52. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
- SEZL's Quick ratio of 3.52 is amongst the best of the industry. SEZL outperforms 87.50% of its industry peers.
| 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!
- The Revenue has been growing by 76.56% on average over the past years. This is a very strong growth!
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
- SEZL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.18% yearly.
- The Revenue is expected to grow by 43.63% on average over the next years. This is a very strong growth
EPS Next Y21.54%
EPS Next 2Y25.47%
EPS Next 3Y25.18%
EPS Next 5YN/A
Revenue Next Year80.03%
Revenue Next 2Y50.33%
Revenue Next 3Y43.63%
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
- A Price/Earnings ratio of 21.78 indicates a rather expensive valuation of SEZL.
- SEZL's Price/Earnings is on the same level as the industry average.
- SEZL is valuated rather cheaply when we compare the Price/Earnings ratio to 27.93, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 15.11, which indicates a correct valuation of SEZL.
- 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 (27.77), we can say SEZL is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.78 | ||
| Fwd PE | 15.11 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SEZL is on the same level as its industry peers.
- SEZL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 42.63 | ||
| EV/EBITDA | 15.14 |
4.3 Compensation for Growth
- The 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.
- A more expensive valuation may be justified as SEZL's earnings are expected to grow with 25.18% in the coming years.
PEG (NY)1.01
PEG (5Y)N/A
EPS Next 2Y25.47%
EPS Next 3Y25.18%
5. Dividend
5.1 Amount
- No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
67.51
-0.2 (-0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners30.7%
Inst Owner Change13.18%
Ins Owners47%
Ins Owner Change-0.52%
Market Cap2.31B
Revenue(TTM)418.63M
Net Income(TTM)115.81M
Analysts82
Price Target105.32 (56.01%)
Short Float %27.26%
Short Ratio5.32
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)-4.84%
PT rev (3m)-14.14%
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)0.33%
EPS NY rev (1m)0.04%
EPS NY rev (3m)3.54%
Revenue NQ rev (1m)-0.35%
Revenue NQ rev (3m)-0.35%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)1.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.78 | ||
| Fwd PE | 15.11 | ||
| P/S | 5.51 | ||
| P/FCF | 42.63 | ||
| P/OCF | 40.74 | ||
| P/B | 14.85 | ||
| P/tB | 15.15 | ||
| EV/EBITDA | 15.14 |
EPS(TTM)3.1
EY4.59%
EPS(NY)4.47
Fwd EY6.62%
FCF(TTM)1.58
FCFY2.35%
OCF(TTM)1.66
OCFY2.45%
SpS12.26
BVpS4.55
TBVpS4.46
PEG (NY)1.01
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 | 9.76 |
F-Score8
WACC8.96%
ROIC/WACC4.92
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 Y21.54%
EPS Next 2Y25.47%
EPS Next 3Y25.18%
EPS Next 5YN/A
Revenue 1Y (TTM)88.74%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%66.95%
Revenue Next Year80.03%
Revenue Next 2Y50.33%
Revenue Next 3Y43.63%
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.
What is the valuation status of SEZZLE INC (SEZL) stock?
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 21.78 and the Price/Book (PB) ratio is 14.85.
What is the financial health of SEZZLE INC (SEZL) stock?
The financial health rating of SEZZLE INC (SEZL) is 9 / 10.