SEZZLE INC (SEZL) Fundamental Analysis & Valuation

NASDAQ:SEZL • US78435P1057

Current stock price

81.23 USD
+1.29 (+1.61%)
At close:
79.296 USD
-1.93 (-2.38%)
After Hours:

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

8

1. SEZL Profitability Analysis

1.1 Basic Checks

  • SEZL had positive earnings in the past year.
  • 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.
  • 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

  • Looking at the Return On Assets, with a value of 33.26%, SEZL belongs to the top of the industry, outperforming 99.00% of the companies in the same industry.
  • With an excellent Return On Equity value of 78.40%, SEZL belongs to the best of the industry, outperforming 98.00% of the companies in the same industry.
  • SEZL has a Return On Invested Capital of 46.54%. This is amongst the best in the industry. SEZL outperforms 99.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for SEZL is significantly above the industry average of 7.97%.
  • 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

  • Looking at the Profit Margin, with a value of 29.57%, SEZL belongs to the top of the industry, outperforming 87.00% of the companies in the same industry.
  • With an excellent Operating Margin value of 39.26%, SEZL belongs to the best of the industry, outperforming 81.00% of the companies in the same industry.
  • SEZL has a Gross Margin of 85.35%. This is amongst the best in the industry. SEZL outperforms 90.00% of its industry peers.
  • 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

More info and screens

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9

2. SEZL Health Analysis

2.1 Basic Checks

  • SEZL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • SEZL has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, SEZL has less shares outstanding
  • SEZL has a worse debt/assets ratio than last year.
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 10.40. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
  • SEZL has a Altman-Z score of 10.40. This is amongst the best in the industry. SEZL outperforms 95.00% of its industry peers.
  • SEZL has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of 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.
  • SEZL has a Debt/Equity ratio of 0.82. This is a neutral value indicating SEZL is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.82, SEZL is in line with its industry, outperforming 49.00% 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 0.82
Debt/FCF 0.68
Altman-Z 10.4
ROIC/WACC5.15
WACC9.04%
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

  • SEZL has a Current Ratio of 3.92. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 3.92, SEZL belongs to the best of the industry, outperforming 87.00% of the companies in the same industry.
  • SEZL has a Quick Ratio of 3.92. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
  • SEZL's Quick ratio of 3.92 is amongst the best of the industry. SEZL outperforms 87.00% 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

More info and screens

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

8

3. SEZL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.19% over the past year.
  • SEZL shows a strong growth in Revenue. In the last year, 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

  • Based on estimates for the next years, SEZL will show a very strong growth in Earnings Per Share. The EPS will grow by 28.99% on average per year.
  • The Revenue is expected to grow by 26.53% on average over the next years. This is a very strong growth
EPS Next Y32.81%
EPS Next 2Y28.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.29%
Revenue Next 2Y26.53%
Revenue Next 3YN/A
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.
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

  • With a Price/Earnings ratio of 22.50, SEZL is valued on the expensive side.
  • SEZL's Price/Earnings is on the same level as the industry average.
  • SEZL is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 16.94, which indicates a correct valuation of SEZL.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SEZL is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 21.99. SEZL is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 22.5
Fwd PE 16.94
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

  • SEZL's Enterprise Value to EBITDA is on the same level as the industry average.
  • 70.00% 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 13.25
EV/EBITDA 15.59
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 excellent 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 28.99% in the coming years.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y28.99%
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

  • SEZL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

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SEZL Fundamentals: All Metrics, Ratios and Statistics

SEZZLE INC

NASDAQ:SEZL (4/28/2026, 8:00:02 PM)

After market: 79.296 -1.93 (-2.38%)

81.23

+1.29 (+1.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-06
Inst Owners39.87%
Inst Owner Change-0.16%
Ins Owners46.73%
Ins Owner Change-0.5%
Market Cap2.75B
Revenue(TTM)450.28M
Net Income(TTM)133.13M
Analysts81.82
Price Target95.03 (16.99%)
Short Float %28.45%
Short Ratio5.96
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)0.61%
PT rev (3m)-9.77%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)2%
EPS NY rev (1m)0.16%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0.22%
Revenue NQ rev (3m)2.33%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)2.13%
Valuation
Industry RankSector Rank
PE 22.5
Fwd PE 16.94
P/S 6.1
P/FCF 13.25
P/OCF 13.08
P/B 16.17
P/tB 16.49
EV/EBITDA 15.59
EPS(TTM)3.61
EY4.44%
EPS(NY)4.79
Fwd EY5.9%
FCF(TTM)6.13
FCFY7.55%
OCF(TTM)6.21
OCFY7.65%
SpS13.32
BVpS5.02
TBVpS4.93
PEG (NY)0.69
PEG (5Y)N/A
Graham Number20.2008 (-75.13%)
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 10.4
F-Score8
WACC9.04%
ROIC/WACC5.15
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 Y32.81%
EPS Next 2Y28.99%
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 Year28.29%
Revenue Next 2Y26.53%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y114.95%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year47.01%
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 for SEZL stock?

ChartMill assigns a valuation rating of 5 / 10 to SEZZLE INC (SEZL). This can be considered as Fairly Valued.


How profitable is SEZZLE INC (SEZL) stock?

SEZZLE INC (SEZL) has a profitability rating of 8 / 10.


What are the PE and PB ratios of SEZZLE INC (SEZL) stock?

The Price/Earnings (PE) ratio for SEZZLE INC (SEZL) is 22.5 and the Price/Book (PB) ratio is 16.17.