68.5 USD
-0.87 (-1.25%)
68.9547 USD
+0.45 (+0.66%)
Overall SEZL gets a fundamental rating of 7 out of 10. We evaluated SEZL against 97 industry peers in the Financial Services industry. While SEZL has a great health rating, its profitability is only average at the moment. SEZL is not overvalued while it is showing excellent growth. This is an interesting combination. With these ratings, SEZL could be worth investigating further for growth investing!.
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.
- In multiple years SEZL reported negative net income over the last 5 years.
- The reported operating cash flow has been mixed in the past 5 years: SEZL reported negative operating cash flow in multiple years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 31.56%, SEZL belongs to the top of the industry, outperforming 98.97% of the companies in the same industry.
- The Return On Equity of SEZL (74.58%) is better than 96.91% of its industry peers.
- SEZL's Return On Invested Capital of 44.06% is amongst the best of the industry. SEZL outperforms 98.97% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- SEZL has a better Profit Margin (27.66%) than 82.47% of its industry peers.
- SEZL's Operating Margin of 36.41% is fine compared to the rest of the industry. SEZL outperforms 77.32% of its industry peers.
- Looking at the Gross Margin, with a value of 84.93%, SEZL belongs to the top of the industry, outperforming 88.66% of the companies in the same industry.
- In the last couple of years the Gross Margin of SEZL has grown nicely.
| Industry Rank | Sector 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%
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.
- SEZL has less shares outstanding than it did 1 year ago.
- SEZL has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, SEZL has an improved debt to assets ratio.
2.2 Solvency
- SEZL has an Altman-Z score of 9.84. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
- The Altman-Z score of SEZL (9.84) is better than 92.78% 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.
- SEZL has a better Debt to FCF ratio (2.17) than 72.16% 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 51.55% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 2.17 | ||
| Altman-Z | 9.84 |
ROIC/WACC4.91
WACC8.97%
2.3 Liquidity
- A Current Ratio of 3.52 indicates that SEZL has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 3.52, SEZL belongs to the top of the industry, outperforming 86.60% 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.
- The Quick ratio of SEZL (3.52) is better than 87.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.52 | ||
| Quick Ratio | 3.52 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.05% over the past year.
- Looking at the last year, SEZL shows a very strong growth in Revenue. The Revenue has grown by 88.74%.
- SEZL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 76.56% yearly.
EPS 1Y (TTM)17.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.59%
Revenue 1Y (TTM)88.74%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%66.95%
3.2 Future
- The Earnings Per Share is expected to grow by 24.42% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 43.63% on average over the next years. This is a very strong growth
EPS Next Y21.49%
EPS Next 2Y25.47%
EPS Next 3Y24.42%
EPS Next 5YN/A
Revenue Next Year80.03%
Revenue Next 2Y50.33%
Revenue Next 3Y43.63%
Revenue Next 5YN/A
3.3 Evolution
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 22.10, which indicates a rather expensive current valuation of SEZL.
- The rest of the industry has a similar Price/Earnings ratio as SEZL.
- The average S&P500 Price/Earnings ratio is at 27.38. SEZL is around the same levels.
- The Price/Forward Earnings ratio is 15.33, which indicates a correct valuation of SEZL.
- SEZL's Price/Forward Earnings ratio is in line with the industry average.
- SEZL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.1 | ||
| Fwd PE | 15.33 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as SEZL.
- SEZL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 43.26 | ||
| EV/EBITDA | 15.31 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- SEZL has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as SEZL's earnings are expected to grow with 24.42% in the coming years.
PEG (NY)1.03
PEG (5Y)N/A
EPS Next 2Y25.47%
EPS Next 3Y24.42%
5. Dividend
5.1 Amount
- SEZL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
68.5
-0.87 (-1.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners30.7%
Inst Owner Change0.25%
Ins Owners47%
Ins Owner Change-0.53%
Market Cap2.34B
Revenue(TTM)418.63M
Net Income(TTM)115.81M
Analysts82
Price Target105.32 (53.75%)
Short Float %32.09%
Short Ratio5.62
Dividend
| Industry Rank | Sector 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)-4.84%
PT rev (3m)-13.42%
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)8.38%
EPS NY rev (1m)0%
EPS NY rev (3m)3.28%
Revenue NQ rev (1m)-0.35%
Revenue NQ rev (3m)-3.07%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)1.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.1 | ||
| Fwd PE | 15.33 | ||
| P/S | 5.59 | ||
| P/FCF | 43.26 | ||
| P/OCF | 41.34 | ||
| P/B | 15.07 | ||
| P/tB | 15.37 | ||
| EV/EBITDA | 15.31 |
EPS(TTM)3.1
EY4.53%
EPS(NY)4.47
Fwd EY6.52%
FCF(TTM)1.58
FCFY2.31%
OCF(TTM)1.66
OCFY2.42%
SpS12.26
BVpS4.55
TBVpS4.46
PEG (NY)1.03
PEG (5Y)N/A
Graham Number17.81
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 9.84 |
F-Score8
WACC8.97%
ROIC/WACC4.91
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)17.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.59%
EPS Next Y21.49%
EPS Next 2Y25.47%
EPS Next 3Y24.42%
EPS Next 5YN/A
Revenue 1Y (TTM)88.74%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%66.95%
Revenue Next Year80.03%
Revenue Next 2Y50.33%
Revenue Next 3Y43.63%
Revenue Next 5YN/A
EBIT growth 1Y158.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year137.21%
EBIT Next 3Y60.18%
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 7 / 10 to SEZL.
What is the valuation status of SEZZLE INC (SEZL) stock?
ChartMill assigns a valuation rating of 4 / 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 22.1 and the Price/Book (PB) ratio is 15.07.
What is the financial health of SEZZLE INC (SEZL) stock?
The financial health rating of SEZZLE INC (SEZL) is 9 / 10.