SEZZLE INC (SEZL) Fundamental Analysis & Valuation

NASDAQ:SEZL • US78435P1057

Current stock price

61.195 USD
+0.47 (+0.77%)
Last:

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

7

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.
  • The reported operating cash flow has been mixed in the past 5 years: SEZL reported negative operating cash flow in multiple 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 99.00% of the companies in the same industry.
  • The Return On Equity of SEZL (78.40%) is better than 98.00% of its industry peers.
  • With an excellent Return On Invested Capital value of 46.54%, SEZL belongs to the best of the industry, outperforming 99.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for SEZL is significantly above the industry average of 8.06%.
  • 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

  • With an excellent Profit Margin value of 29.57%, SEZL belongs to the best of the industry, outperforming 85.00% of the companies in the same industry.
  • With a decent Operating Margin value of 39.26%, SEZL is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • Looking at the Gross Margin, with a value of 85.35%, SEZL belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
  • 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. SEZL Health Analysis

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 about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for SEZL has been reduced compared to 5 years ago.
  • The debt/assets ratio for SEZL is higher compared to a year ago.
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 8.71. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
  • SEZL has a better Altman-Z score (8.71) than 94.00% of its industry peers.
  • The Debt to FCF ratio of SEZL is 0.68, which is an excellent value as it means it would take SEZL, only 0.68 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.68, SEZL belongs to the best of the industry, outperforming 85.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.82 indicates that SEZL is somewhat dependend on debt financing.
  • SEZL's Debt to Equity ratio of 0.82 is in line compared to the rest of the industry. SEZL outperforms 49.00% of its industry peers.
  • 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 8.71
ROIC/WACC5.09
WACC9.15%
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.
  • SEZL has a Current ratio of 3.92. This is amongst the best in the industry. SEZL outperforms 86.00% of its industry peers.
  • A Quick Ratio of 3.92 indicates that SEZL has no problem at all paying its short term obligations.
  • The Quick ratio of SEZL (3.92) is better than 86.00% 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

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

8

3. SEZL Growth Analysis

3.1 Past

  • SEZL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.19%, which is quite impressive.
  • Looking at the last year, SEZL shows a very strong growth in Revenue. The Revenue has grown by 66.08%.
  • SEZL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 50.26% yearly.
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

  • SEZL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.95% yearly.
  • Based on estimates for the next years, SEZL will show a very strong growth in Revenue. The Revenue will grow by 26.21% on average per year.
EPS Next Y32.6%
EPS Next 2Y27.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.03%
Revenue Next 2Y26.21%
Revenue Next 3YN/A
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.
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

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6

4. SEZL Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.95 indicates a correct valuation of SEZL.
  • The rest of the industry has a similar Price/Earnings ratio as SEZL.
  • The average S&P500 Price/Earnings ratio is at 24.75. SEZL is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 12.78, SEZL is valued correctly.
  • SEZL's Price/Forward Earnings is on the same level as the industry average.
  • SEZL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 16.95
Fwd PE 12.78
SEZL Price Earnings VS Forward Price EarningsSEZL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SEZL is valued a bit cheaper than 61.00% of the companies in the same industry.
  • 74.00% of the companies in the same industry are more expensive than SEZL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.98
EV/EBITDA 11.95
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.
  • 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 27.95% in the coming years.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y27.95%
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 (3/31/2026, 9:45:37 AM)

61.195

+0.47 (+0.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners39.69%
Inst Owner Change15.75%
Ins Owners47.45%
Ins Owner Change-0.57%
Market Cap2.07B
Revenue(TTM)450.28M
Net Income(TTM)133.13M
Analysts81.82
Price Target98.94 (61.68%)
Short Float %29.38%
Short Ratio5.82
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)4.75%
PT rev (3m)-10.6%
EPS NQ rev (1m)4.77%
EPS NQ rev (3m)1.17%
EPS NY rev (1m)7.13%
EPS NY rev (3m)7.13%
Revenue NQ rev (1m)2.63%
Revenue NQ rev (3m)1.48%
Revenue NY rev (1m)2.15%
Revenue NY rev (3m)1.42%
Valuation
Industry RankSector Rank
PE 16.95
Fwd PE 12.78
P/S 4.59
P/FCF 9.98
P/OCF 9.85
P/B 12.18
P/tB 12.42
EV/EBITDA 11.95
EPS(TTM)3.61
EY5.9%
EPS(NY)4.79
Fwd EY7.82%
FCF(TTM)6.13
FCFY10.02%
OCF(TTM)6.21
OCFY10.15%
SpS13.32
BVpS5.02
TBVpS4.93
PEG (NY)0.52
PEG (5Y)N/A
Graham Number20.2
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 8.71
F-Score8
WACC9.15%
ROIC/WACC5.09
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 Y32.6%
EPS Next 2Y27.95%
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 Year28.03%
Revenue Next 2Y26.21%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y114.95%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year46.59%
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 of SEZZLE INC (SEZL) stock?

ChartMill assigns a valuation rating of 6 / 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 7 / 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 16.95 and the Price/Book (PB) ratio is 12.18.


What is the financial health of SEZZLE INC (SEZL) stock?

The financial health rating of SEZZLE INC (SEZL) is 9 / 10.