SEZZLE INC (SEZL) Fundamental Analysis & Valuation

NASDAQ:SEZL • US78435P1057

Current stock price

63.76 USD
+0.06 (+0.09%)
At close:
63.76 USD
0 (0%)
After Hours:

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.
  • 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 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.
  • The Return On Equity of SEZL (78.40%) is better than 98.00% of its industry peers.
  • SEZL's Return On Invested Capital of 46.54% is amongst the best of the industry. SEZL outperforms 99.00% of its industry peers.
  • SEZL had an Average Return On Invested Capital over the past 3 years of 51.03%. This is significantly above the industry average of 8.06%.
  • The last Return On Invested Capital (46.54%) for SEZL is well below the 3 year average (51.03%), which needs to be investigated, but indicates that SEZL had better years and this may not be a problem.
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 85.00% of the companies in the same industry.
  • SEZL has a better Operating Margin (39.26%) than 80.00% of its industry peers.
  • 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

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.
  • Compared to 1 year ago, SEZL has about the same amount of shares outstanding.
  • SEZL has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, SEZL has a worse debt to assets ratio.
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 8.98. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 8.98, SEZL belongs to the top of the industry, outperforming 94.00% of the companies in the same industry.
  • 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.
  • SEZL's Debt to FCF ratio of 0.68 is amongst the best of the industry. SEZL outperforms 85.00% of its industry peers.
  • 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.
  • 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 8.98
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

  • A Current Ratio of 3.92 indicates that SEZL has no problem at all paying its short term obligations.
  • The Current ratio of SEZL (3.92) is better than 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.
  • SEZL has a Quick ratio of 3.92. This is amongst the best in the industry. SEZL outperforms 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%.
  • The Revenue has been growing by 50.26% on average over the past years. This is a very strong growth!
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

  • 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 26.21% yearly.
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

  • 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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Find the best growth stocksShow best growing peers

5

4. SEZL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 17.66, which indicates a rather expensive current 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.
  • When comparing the Price/Earnings ratio of SEZL to the average of the S&P500 Index (25.60), we can say SEZL is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 13.32 indicates a correct valuation of SEZL.
  • SEZL's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 22.84. SEZL is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.66
Fwd PE 13.32
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

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as SEZL.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SEZL indicates a somewhat cheap valuation: SEZL is cheaper than 73.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.4
EV/EBITDA 12.52
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

  • SEZL's 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.
  • SEZL's earnings are expected to grow with 27.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.54
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

  • SEZL does not give a dividend.
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 (4/2/2026, 8:00:02 PM)

After market: 63.76 0 (0%)

63.76

+0.06 (+0.09%)

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 Cap2.16B
Revenue(TTM)450.28M
Net Income(TTM)133.13M
Analysts81.82
Price Target98.94 (55.18%)
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 17.66
Fwd PE 13.32
P/S 4.79
P/FCF 10.4
P/OCF 10.27
P/B 12.69
P/tB 12.95
EV/EBITDA 12.52
EPS(TTM)3.61
EY5.66%
EPS(NY)4.79
Fwd EY7.51%
FCF(TTM)6.13
FCFY9.62%
OCF(TTM)6.21
OCFY9.74%
SpS13.32
BVpS5.02
TBVpS4.93
PEG (NY)0.54
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 8.98
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 Y32.6%
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 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 7 / 10.


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

The Price/Earnings (PE) ratio for SEZZLE INC (SEZL) is 17.66 and the Price/Book (PB) ratio is 12.69.