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SEZZLE INC (SEZL) Stock Fundamental Analysis

NASDAQ:SEZL - Nasdaq - US78435P1057 - Common Stock - Currency: USD

302.74  -5.67 (-1.84%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to SEZL. SEZL was compared to 101 industry peers in the Financial Services industry. SEZL has only an average score on both its financial health and profitability. SEZL is valued quite expensively, but it does show have an excellent growth rating. This makes SEZL very considerable for growth investing!


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

SEZL had positive earnings in the past year.
In the past year SEZL had a positive cash flow from operations.
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 2020 2021 2022 2023 0 20M -20M -40M -60M

1.2 Ratios

With an excellent Return On Assets value of 22.18%, SEZL belongs to the best of the industry, outperforming 99.01% of the companies in the same industry.
SEZL has a better Return On Equity (91.75%) than 98.02% of its industry peers.
Looking at the Return On Invested Capital, with a value of 29.90%, SEZL belongs to the top of the industry, outperforming 98.02% of the companies in the same industry.
Industry RankSector Rank
ROA 22.18%
ROE 91.75%
ROIC 29.9%
ROA(3y)-17.46%
ROA(5y)N/A
ROE(3y)-199.18%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SEZL Yearly ROA, ROE, ROICSEZL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 0 -100 -200 -300 -400

1.3 Margins

SEZL has a Profit Margin of 25.29%. This is in the better half of the industry: SEZL outperforms 79.21% of its industry peers.
Looking at the Operating Margin, with a value of 26.62%, SEZL is in the better half of the industry, outperforming 70.30% of the companies in the same industry.
Looking at the Gross Margin, with a value of 78.19%, SEZL belongs to the top of the industry, outperforming 86.14% of the companies in the same industry.
SEZL's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 26.62%
PM (TTM) 25.29%
GM 78.19%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.88%
GM growth 5YN/A
SEZL Yearly Profit, Operating, Gross MarginsSEZL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 0 50 -50

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6

2. Health

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.
The number of shares outstanding for SEZL has been increased compared to 1 year ago.
Compared to 1 year ago, SEZL has a worse debt to assets ratio.
SEZL Yearly Shares OutstandingSEZL Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 1M 2M 3M 4M 5M
SEZL Yearly Total Debt VS Total AssetsSEZL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 50M 100M 150M 200M

2.2 Solvency

An Altman-Z score of 7.07 indicates that SEZL is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 7.07, SEZL belongs to the top of the industry, outperforming 91.09% of the companies in the same industry.
SEZL has a debt to FCF ratio of 3.99. This is a good value and a sign of high solvency as SEZL would need 3.99 years to pay back of all of its debts.
SEZL has a Debt to FCF ratio of 3.99. This is in the better half of the industry: SEZL outperforms 67.33% of its industry peers.
SEZL has a Debt/Equity ratio of 1.54. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of SEZL (1.54) is worse than 61.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.54
Debt/FCF 3.99
Altman-Z 7.07
ROIC/WACC1.85
WACC16.14%
SEZL Yearly LT Debt VS Equity VS FCFSEZL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 0 50M -50M

2.3 Liquidity

SEZL has a Current Ratio of 2.40. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
With a decent Current ratio value of 2.40, SEZL is doing good in the industry, outperforming 79.21% of the companies in the same industry.
SEZL has a Quick Ratio of 2.40. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 2.40, SEZL belongs to the best of the industry, outperforming 81.19% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.4
Quick Ratio 2.4
SEZL Yearly Current Assets VS Current LiabilitesSEZL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 50M 100M 150M 200M

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 1001.01% over the past year.
Looking at the last year, SEZL shows a very strong growth in Revenue. The Revenue has grown by 49.13%.
SEZL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 39.43% yearly.
EPS 1Y (TTM)1001.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1057.73%
Revenue 1Y (TTM)49.13%
Revenue growth 3Y39.43%
Revenue growth 5YN/A
Sales Q2Q%71.28%

3.2 Future

SEZL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 143.10% yearly.
The Revenue is expected to grow by 41.30% on average over the next years. This is a very strong growth
EPS Next Y805.35%
EPS Next 2Y223.5%
EPS Next 3Y143.1%
EPS Next 5YN/A
Revenue Next Year71.71%
Revenue Next 2Y51.23%
Revenue Next 3Y41.3%
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
SEZL Yearly Revenue VS EstimatesSEZL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
SEZL Yearly EPS VS EstimatesSEZL Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0 5 -5 10 -10 15

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3

4. Valuation

4.1 Price/Earnings Ratio

SEZL is valuated quite expensively with a Price/Earnings ratio of 45.59.
73.27% of the companies in the same industry are cheaper than SEZL, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of SEZL to the average of the S&P500 Index (30.30), we can say SEZL is valued expensively.
With a Price/Forward Earnings ratio of 23.55, SEZL is valued on the expensive side.
Based on the Price/Forward Earnings ratio, SEZL is valued a bit more expensive than the industry average as 66.34% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 23.06. SEZL is around the same levels.
Industry RankSector Rank
PE 45.59
Fwd PE 23.55
SEZL Price Earnings VS Forward Price EarningsSEZL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

SEZL's Enterprise Value to EBITDA is on the same level as the industry average.
SEZL's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 72.19
EV/EBITDA 29.08
SEZL Per share dataSEZL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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's earnings are expected to grow with 143.10% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y223.5%
EPS Next 3Y143.1%

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0

5. Dividend

5.1 Amount

No dividends for SEZL!.
Industry RankSector Rank
Dividend Yield N/A

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SEZZLE INC

NASDAQ:SEZL (2/21/2025, 11:33:54 AM)

302.74

-5.67 (-1.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-07 2024-11-07/amc
Earnings (Next)02-25 2025-02-25/amc
Inst Owners15.21%
Inst Owner Change27.94%
Ins Owners48.07%
Ins Owner Change-3.48%
Market Cap1.70B
Analysts82.5
Price Target373.32 (23.31%)
Short Float %14.48%
Short Ratio2.57
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)171.7%
Min EPS beat(2)154.79%
Max EPS beat(2)188.61%
EPS beat(4)4
Avg EPS beat(4)1494.59%
Min EPS beat(4)154.79%
Max EPS beat(4)3749.24%
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)28.44%
Min Revenue beat(2)26.58%
Max Revenue beat(2)30.31%
Revenue beat(4)4
Avg Revenue beat(4)25.45%
Min Revenue beat(4)17.22%
Max Revenue beat(4)30.31%
Revenue beat(8)7
Avg Revenue beat(8)15.3%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)110.35%
EPS NQ rev (1m)1.14%
EPS NQ rev (3m)16494.7%
EPS NY rev (1m)0.32%
EPS NY rev (3m)62.04%
Revenue NQ rev (1m)2.83%
Revenue NQ rev (3m)57.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.95%
Valuation
Industry RankSector Rank
PE 45.59
Fwd PE 23.55
P/S 7.66
P/FCF 72.19
P/OCF 68.17
P/B 27.78
P/tB 28.86
EV/EBITDA 29.08
EPS(TTM)6.64
EY2.19%
EPS(NY)12.86
Fwd EY4.25%
FCF(TTM)4.19
FCFY1.39%
OCF(TTM)4.44
OCFY1.47%
SpS39.54
BVpS10.9
TBVpS10.49
PEG (NY)0.06
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 22.18%
ROE 91.75%
ROCE 37.85%
ROIC 29.9%
ROICexc 61.43%
ROICexgc 63.34%
OM 26.62%
PM (TTM) 25.29%
GM 78.19%
FCFM 10.61%
ROA(3y)-17.46%
ROA(5y)N/A
ROE(3y)-199.18%
ROE(5y)N/A
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
ROICexcg growth 3YN/A
ROICexcg 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 3Y6.88%
GM growth 5YN/A
F-Score8
Asset Turnover0.88
Health
Industry RankSector Rank
Debt/Equity 1.54
Debt/FCF 3.99
Debt/EBITDA 1.57
Cap/Depr 147.66%
Cap/Sales 0.62%
Interest Coverage 3.94
Cash Conversion 41.54%
Profit Quality 41.94%
Current Ratio 2.4
Quick Ratio 2.4
Altman-Z 7.07
F-Score8
WACC16.14%
ROIC/WACC1.85
Cap/Depr(3y)156.04%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.97%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1001.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1057.73%
EPS Next Y805.35%
EPS Next 2Y223.5%
EPS Next 3Y143.1%
EPS Next 5YN/A
Revenue 1Y (TTM)49.13%
Revenue growth 3Y39.43%
Revenue growth 5YN/A
Sales Q2Q%71.28%
Revenue Next Year71.71%
Revenue Next 2Y51.23%
Revenue Next 3Y41.3%
Revenue Next 5YN/A
EBIT growth 1Y206.31%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year421.6%
EBIT Next 3Y119.25%
EBIT Next 5YN/A
FCF growth 1Y-460.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-401.82%
OCF growth 3YN/A
OCF growth 5YN/A