SEZZLE INC (SEZL) Fundamental Analysis & Valuation

NASDAQ:SEZL • US78435P1057

Current stock price

66.31 USD
+1.02 (+1.56%)
At close:
66 USD
-0.31 (-0.47%)
After Hours:

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

6

1. SEZL Profitability Analysis

1.1 Basic Checks

  • In the past year SEZL was profitable.
  • SEZL had a positive operating cash flow in the past year.
  • 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.
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 0 50M -50M

1.2 Ratios

  • SEZL's Return On Assets of 31.56% is amongst the best of the industry. SEZL outperforms 98.98% of its industry peers.
  • SEZL's Return On Equity of 74.58% is amongst the best of the industry. SEZL outperforms 97.96% 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 98.98% of the companies in the same industry.
Industry RankSector 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
SEZL Yearly ROA, ROE, ROICSEZL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300 -400

1.3 Margins

  • With an excellent Profit Margin value of 27.66%, SEZL belongs to the best of the industry, outperforming 81.63% of the companies in the same industry.
  • With a decent Operating Margin value of 36.41%, SEZL is doing good in the industry, outperforming 78.57% of the companies in the same industry.
  • The Gross Margin of SEZL (84.93%) is better than 89.80% of its industry peers.
  • In the last couple of years the Gross Margin of SEZL has grown nicely.
Industry RankSector 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%
SEZL Yearly Profit, Operating, Gross MarginsSEZL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 -2K -4K -6K

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8

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SEZL Yearly Shares OutstandingSEZL Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 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 50M 100M 150M 200M 250M

2.2 Solvency

  • An Altman-Z score of 9.56 indicates that SEZL is not in any danger for bankruptcy at the moment.
  • SEZL has a better Altman-Z score (9.56) than 92.86% of its industry peers.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 2.17, SEZL is in the better half of the industry, outperforming 70.41% of the companies in the same industry.
  • 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 50.00% of the companies in the same 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 RankSector Rank
Debt/Equity 0.76
Debt/FCF 2.17
Altman-Z 9.56
ROIC/WACC4.88
WACC9.02%
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 0 50M -50M 100M

2.3 Liquidity

  • A Current Ratio of 3.52 indicates that SEZL has no problem at all paying its short term obligations.
  • With an excellent Current ratio value of 3.52, SEZL belongs to the best of the industry, outperforming 84.69% 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.
  • With an excellent Quick ratio value of 3.52, SEZL belongs to the best of the industry, outperforming 84.69% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.52
Quick Ratio 3.52
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 50M 100M 150M 200M 250M

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

4

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.
EPS 1Y (TTM)27.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%72.86%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%32.22%

3.2 Future

  • The Earnings Per Share is expected to grow by 27.95% on average over the next years. This is a very strong growth
  • SEZL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.26% yearly.
EPS Next Y32.6%
EPS Next 2Y27.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.59%
Revenue Next 2Y26.26%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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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5

4. SEZL Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 18.37 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 25.70.
  • SEZL is valuated correctly with a Price/Forward Earnings ratio of 13.85.
  • SEZL's Price/Forward Earnings ratio is in line with the industry average.
  • SEZL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.37
Fwd PE 13.85
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

  • 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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 41.44
EV/EBITDA 14.67
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.
  • The decent profitability rating of SEZL may justify a higher PE ratio.
  • SEZL's earnings are expected to grow with 27.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.56
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%

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Find the best dividend stocksShow peers with best dividend

SEZL Fundamentals: All Metrics, Ratios and Statistics

SEZZLE INC

NASDAQ:SEZL (3/13/2026, 8:00:02 PM)

After market: 66 -0.31 (-0.47%)

66.31

+1.02 (+1.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners39.69%
Inst Owner Change15.68%
Ins Owners47.45%
Ins Owner Change-0.56%
Market Cap2.24B
Revenue(TTM)N/A
Net Income(TTM)115.81M
Analysts81.82
Price Target94.45 (42.44%)
Short Float %27.74%
Short Ratio5.41
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)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)-10.31%
PT rev (3m)-14.65%
EPS NQ rev (1m)-2.04%
EPS NQ rev (3m)-1.72%
EPS NY rev (1m)-0.67%
EPS NY rev (3m)-0.63%
Revenue NQ rev (1m)-0.55%
Revenue NQ rev (3m)-0.9%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-0.26%
Valuation
Industry RankSector Rank
PE 18.37
Fwd PE 13.85
P/S 5.35
P/FCF 41.44
P/OCF 39.61
P/B 14.43
P/tB 14.73
EV/EBITDA 14.67
EPS(TTM)3.61
EY5.44%
EPS(NY)4.79
Fwd EY7.22%
FCF(TTM)1.6
FCFY2.41%
OCF(TTM)1.67
OCFY2.52%
SpS12.39
BVpS4.59
TBVpS4.5
PEG (NY)0.56
PEG (5Y)N/A
Graham Number19.32
Profitability
Industry RankSector 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 RankSector 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 9.56
F-Score8
WACC9.02%
ROIC/WACC4.88
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%32.22%
Revenue Next Year25.59%
Revenue Next 2Y26.26%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y158.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year136.92%
EBIT Next 3Y61.08%
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 Fundamental Analysis FAQ

What is the fundamental rating for SEZL stock?

ChartMill assigns a fundamental rating of 6 / 10 to SEZL.


What is the valuation status of SEZZLE INC (SEZL) stock?

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 18.37 and the Price/Book (PB) ratio is 14.43.


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

The financial health rating of SEZZLE INC (SEZL) is 8 / 10.