78.655 USD
+2.72 (+3.58%)
Overall SEZL gets a fundamental rating of 7 out of 10. We evaluated SEZL 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 not overvalued while it is showing excellent growth. This is an interesting 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.
The reported net income has been mixed in the past 5 years: SEZL reported negative net income in multiple years.
In multiple years SEZL reported negative operating cash flow during the last 5 years.
1.2 Ratios
SEZL has a better Return On Assets (31.56%) than 98.98% of its industry peers.
SEZL has a better Return On Equity (74.58%) than 96.94% of its industry peers.
With an excellent Return On Invested Capital value of 44.06%, SEZL belongs to the best of the industry, outperforming 98.98% 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
SEZL has a Profit Margin of 27.66%. This is amongst the best in the industry. SEZL outperforms 82.65% of its industry peers.
SEZL has a Operating Margin of 36.41%. This is in the better half of the industry: SEZL outperforms 77.55% of its industry peers.
Looking at the Gross Margin, with a value of 84.93%, SEZL belongs to the top 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
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
SEZL has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, SEZL has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 10.56 indicates that SEZL is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 10.56, SEZL belongs to the best of the industry, outperforming 92.86% 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.
With a decent Debt to FCF ratio value of 2.17, SEZL is doing good in the industry, outperforming 72.45% of the companies in the same industry.
A Debt/Equity ratio of 0.76 indicates that SEZL is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.76, SEZL perfoms like the industry average, outperforming 52.04% 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 | 10.56 |
ROIC/WACC4.94
WACC8.92%
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.
SEZL's Current ratio of 3.52 is amongst the best of the industry. SEZL outperforms 86.73% of its industry peers.
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.
The Quick ratio of SEZL (3.52) is better than 87.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.52 | ||
| Quick Ratio | 3.52 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 17.05% over the past year.
The Revenue has grown by 88.74% in the past year. This is a very strong growth!
SEZL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 76.56% yearly.
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 24.42% yearly.
Based on estimates for the next years, SEZL will show a very strong growth in Revenue. The Revenue will grow by 43.69% on average per year.
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
The Price/Earnings ratio is 25.37, which means the current valuation is very expensive for SEZL.
SEZL's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.00, SEZL is valued at the same level.
With a Price/Forward Earnings ratio of 17.60, SEZL is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SEZL is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.70, SEZL is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.37 | ||
| Fwd PE | 17.6 |
4.2 Price Multiples
SEZL's Enterprise Value to EBITDA is on the same level as the industry average.
The rest of the industry has a similar Price/Free Cash Flow ratio as SEZL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 49.67 | ||
| EV/EBITDA | 16.97 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent 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 24.42% in the coming years.
PEG (NY)1.18
PEG (5Y)N/A
EPS Next 2Y25.47%
EPS Next 3Y24.42%
5. Dividend
5.1 Amount
SEZL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:SEZL (1/9/2026, 11:16:07 AM)
78.655
+2.72 (+3.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners30.7%
Inst Owner Change0%
Ins Owners47%
Ins Owner Change-0.57%
Market Cap2.69B
Revenue(TTM)418.63M
Net Income(TTM)115.81M
Analysts82
Price Target110.67 (40.7%)
Short Float %32.09%
Short Ratio5.62
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)0%
PT rev (3m)-9.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.02%
EPS NY rev (1m)0%
EPS NY rev (3m)3.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.37 | ||
| Fwd PE | 17.6 | ||
| P/S | 6.42 | ||
| P/FCF | 49.67 | ||
| P/OCF | 47.47 | ||
| P/B | 17.3 | ||
| P/tB | 17.65 | ||
| EV/EBITDA | 16.97 |
EPS(TTM)3.1
EY3.94%
EPS(NY)4.47
Fwd EY5.68%
FCF(TTM)1.58
FCFY2.01%
OCF(TTM)1.66
OCFY2.11%
SpS12.26
BVpS4.55
TBVpS4.46
PEG (NY)1.18
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 | 10.56 |
F-Score8
WACC8.92%
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.
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 25.37 and the Price/Book (PB) ratio is 17.3.
What is the financial health of SEZZLE INC (SEZL) stock?
The financial health rating of SEZZLE INC (SEZL) is 9 / 10.