SEZZLE INC (SEZL) Stock Fundamental Analysis

NASDAQ:SEZL • US78435P1057

73.44 USD
-2.36 (-3.11%)
At close: Mar 3, 2026
75 USD
+1.56 (+2.12%)
After Hours: 3/3/2026, 6:44:40 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Overall SEZL gets a fundamental rating of 6 out of 10. We evaluated SEZL against 97 industry peers in the Financial Services industry. SEZL is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. SEZL is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

6

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.
  • 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 0 50M -50M

1.2 Ratios

  • SEZL's Return On Assets of 31.56% is amongst the best of the industry. SEZL outperforms 98.97% of its industry peers.
  • Looking at the Return On Equity, with a value of 74.58%, SEZL belongs to the top of the industry, outperforming 97.94% of the companies in the same industry.
  • The Return On Invested Capital of SEZL (44.06%) is better than 98.97% of its industry peers.
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

  • SEZL's Profit Margin of 27.66% is amongst the best of the industry. SEZL outperforms 81.44% of its industry peers.
  • SEZL's Operating Margin of 36.41% is fine compared to the rest of the industry. SEZL outperforms 78.35% of its industry peers.
  • Looking at the Gross Margin, with a value of 84.93%, SEZL belongs to the top of the industry, outperforming 89.69% 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so SEZL is creating value.
  • There is no outstanding debt for SEZL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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

  • SEZL has an Altman-Z score of 10.47. 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 10.47, SEZL belongs to the top of the industry, outperforming 94.85% 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.
  • SEZL has a Debt to FCF ratio of 2.17. This is in the better half of the industry: SEZL outperforms 71.13% of its industry peers.
  • SEZL has a Debt/Equity ratio of 0.76. This is a neutral value indicating SEZL is somewhat dependend on debt financing.
  • SEZL has a Debt to Equity ratio of 0.76. This is comparable to the rest of the industry: SEZL outperforms 50.52% of its industry peers.
  • 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 RankSector Rank
Debt/Equity 0.76
Debt/FCF 2.17
Altman-Z 10.47
ROIC/WACC5.01
WACC8.79%
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

  • 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.
  • Looking at the Current ratio, with a value of 3.52, SEZL belongs to the top of the industry, outperforming 87.63% of the companies in the same industry.
  • 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.
  • SEZL's Quick ratio of 3.52 is amongst the best of the industry. SEZL outperforms 87.63% of its industry peers.
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. Growth

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

  • Based on estimates for the next years, SEZL will show a very strong growth in Earnings Per Share. The EPS will grow by 27.95% on average per year.
  • 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 20.34, SEZL is valued on the expensive side.
  • SEZL's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.83. SEZL is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 15.34, SEZL is valued correctly.
  • SEZL's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of SEZL to the average of the S&P500 Index (24.95), we can say SEZL is valued slightly cheaper.
Industry RankSector Rank
PE 20.34
Fwd PE 15.34
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.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SEZL is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 45.9
EV/EBITDA 16.76
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.
  • 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)0.62
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. Dividend

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

SEZZLE INC

NASDAQ:SEZL (3/3/2026, 6:44:40 PM)

After market: 75 +1.56 (+2.12%)

73.44

-2.36 (-3.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners30.7%
Inst Owner Change15.68%
Ins Owners47%
Ins Owner Change-0.44%
Market Cap2.48B
Revenue(TTM)N/A
Net Income(TTM)115.81M
Analysts81.82
Price Target94.45 (28.61%)
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%
EPS NY rev (3m)3.54%
Revenue NQ rev (1m)-0.55%
Revenue NQ rev (3m)-0.9%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)1.75%
Valuation
Industry RankSector Rank
PE 20.34
Fwd PE 15.34
P/S 5.93
P/FCF 45.9
P/OCF 43.86
P/B 15.99
P/tB 16.31
EV/EBITDA 16.76
EPS(TTM)3.61
EY4.92%
EPS(NY)4.79
Fwd EY6.52%
FCF(TTM)1.6
FCFY2.18%
OCF(TTM)1.67
OCFY2.28%
SpS12.39
BVpS4.59
TBVpS4.5
PEG (NY)0.62
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 10.47
F-Score8
WACC8.79%
ROIC/WACC5.01
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 3Y59.12%
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 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 20.34 and the Price/Book (PB) ratio is 15.99.


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

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