61.75 USD
+2.91 (+4.95%)
62.09 USD
+0.34 (+0.55%)
SEZL gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. While SEZL has a great health rating, its profitability is only average at the moment. SEZL is growing strongly while it is still valued neutral. This is a good combination! These ratings would make SEZL suitable for growth investing!
1. Profitability
1.1 Basic Checks
SEZL had positive earnings in the past year.
SEZL had a positive operating cash flow in the past year.
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
The Return On Assets of SEZL (31.56%) is better than 100.00% of its industry peers.
SEZL has a Return On Equity of 74.58%. This is amongst the best in the industry. SEZL outperforms 97.96% of its industry peers.
SEZL has a Return On Invested Capital of 44.06%. This is amongst the best in the industry. SEZL outperforms 98.98% 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
SEZL's Profit Margin of 27.66% is amongst the best of the industry. SEZL outperforms 82.65% of its industry peers.
SEZL's Operating Margin of 36.41% is fine compared to the rest of the industry. SEZL outperforms 76.53% of its industry peers.
With an excellent Gross Margin value of 84.93%, SEZL belongs to the best of the industry, outperforming 88.78% of the companies in the same industry.
SEZL's Gross Margin has improved in the last couple of years.
| 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.
The number of shares outstanding for SEZL has been reduced compared to 1 year ago.
The number of shares outstanding for SEZL has been reduced compared to 5 years ago.
Compared to 1 year ago, SEZL has an improved debt to assets ratio.
2.2 Solvency
SEZL has an Altman-Z score of 8.88. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 8.88, SEZL belongs to the best of the industry, outperforming 91.84% of the companies in the same industry.
The Debt to FCF ratio of SEZL is 2.17, which is a good value as it means it would take SEZL, 2.17 years of fcf income to pay off all of its debts.
SEZL's Debt to FCF ratio of 2.17 is fine compared to the rest of the industry. SEZL outperforms 73.47% 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.
Even though the debt/equity ratio score it not favorable for SEZL, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 2.17 | ||
| Altman-Z | 8.88 |
ROIC/WACC5.02
WACC8.77%
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 84.69% 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 has a Quick ratio of 3.52. This is amongst the best in the industry. SEZL outperforms 85.71% 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.
Looking at the last year, SEZL shows a very strong growth in Revenue. The Revenue has grown by 88.74%.
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 24.15% yearly.
SEZL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 43.44% yearly.
EPS Next Y17.39%
EPS Next 2Y23.82%
EPS Next 3Y24.15%
EPS Next 5YN/A
Revenue Next Year76.81%
Revenue Next 2Y50.02%
Revenue Next 3Y43.44%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 19.92 indicates a rather expensive valuation of SEZL.
Compared to the rest of the industry, the Price/Earnings ratio of SEZL is on the same level as its industry peers.
SEZL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.31.
With a Price/Forward Earnings ratio of 14.19, SEZL is valued correctly.
SEZL's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.59. SEZL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.92 | ||
| Fwd PE | 14.19 |
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.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SEZL is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.85 | ||
| EV/EBITDA | 13.11 |
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.
A more expensive valuation may be justified as SEZL's earnings are expected to grow with 24.15% in the coming years.
PEG (NY)1.15
PEG (5Y)N/A
EPS Next 2Y23.82%
EPS Next 3Y24.15%
5. Dividend
5.1 Amount
No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
61.75
+2.91 (+4.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners32.25%
Inst Owner Change-5.39%
Ins Owners47.36%
Ins Owner Change-0.91%
Market Cap2.11B
Revenue(TTM)418.63M
Net Income(TTM)115.81M
Analysts82
Price Target110.67 (79.22%)
Short Float %20.8%
Short Ratio3.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-9.01%
PT rev (3m)-17.59%
EPS NQ rev (1m)8.02%
EPS NQ rev (3m)6.81%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.21%
Revenue NQ rev (1m)-2.73%
Revenue NQ rev (3m)-4.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.92 | ||
| Fwd PE | 14.19 | ||
| P/S | 5.02 | ||
| P/FCF | 38.85 | ||
| P/OCF | 37.12 | ||
| P/B | 13.53 | ||
| P/tB | 13.8 | ||
| EV/EBITDA | 13.11 |
EPS(TTM)3.1
EY5.02%
EPS(NY)4.35
Fwd EY7.05%
FCF(TTM)1.59
FCFY2.57%
OCF(TTM)1.66
OCFY2.69%
SpS12.31
BVpS4.56
TBVpS4.47
PEG (NY)1.15
PEG (5Y)N/A
Graham Number17.84
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 | 8.88 |
F-Score8
WACC8.77%
ROIC/WACC5.02
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 Y17.39%
EPS Next 2Y23.82%
EPS Next 3Y24.15%
EPS Next 5YN/A
Revenue 1Y (TTM)88.74%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%66.95%
Revenue Next Year76.81%
Revenue Next 2Y50.02%
Revenue Next 3Y43.44%
Revenue Next 5YN/A
EBIT growth 1Y158.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year133.19%
EBIT Next 3Y63.09%
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 5 / 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 19.92 and the Price/Book (PB) ratio is 13.53.
What is the earnings growth outlook for SEZZLE INC?
The Earnings per Share (EPS) of SEZZLE INC (SEZL) is expected to grow by 17.39% in the next year.