68.5 USD
-0.87 (-1.25%)
68.9547 USD
+0.45 (+0.66%)
We assign a fundamental rating of 7 out of 10 to SEZL. SEZL was compared to 98 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! These ratings could make SEZL a good candidate for growth investing.
1. Profitability
1.1 Basic Checks
- In the past year SEZL was profitable.
- SEZL had a positive operating cash flow in the past year.
- 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.
1.2 Ratios
- Looking at the Return On Assets, with a value of 31.56%, SEZL belongs to the top of the industry, outperforming 98.98% of the companies in the same industry.
- SEZL has a better Return On Equity (74.58%) than 96.94% of its industry peers.
- With an excellent Return On Invested Capital value of 44.06%, SEZL belongs to the best of the industry, outperforming 98.98% of the companies in the same industry.
| 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
- The Profit Margin of SEZL (27.66%) is better than 82.65% of its industry peers.
- SEZL has a better Operating Margin (36.41%) than 77.55% of its industry peers.
- SEZL's Gross Margin of 84.93% is amongst the best of the industry. SEZL outperforms 88.78% of its industry peers.
- SEZL's Gross Margin has improved in the last couple of years.
| 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
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so SEZL 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.
- SEZL has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 9.84 indicates that SEZL is not in any danger for bankruptcy at the moment.
- With an excellent Altman-Z score value of 9.84, SEZL belongs to the best of the industry, outperforming 91.84% 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 71.43% of its industry peers.
- A Debt/Equity ratio of 0.76 indicates that SEZL is somewhat dependend on debt financing.
- SEZL's Debt to Equity ratio of 0.76 is in line compared to the rest of the industry. SEZL outperforms 51.02% 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
- 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.
- The Current ratio of SEZL (3.52) is better than 85.71% of its industry peers.
- A Quick Ratio of 3.52 indicates that SEZL has no problem at all paying its short term obligations.
- With an excellent Quick ratio value of 3.52, SEZL belongs to the best of the industry, outperforming 86.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.52 | ||
| Quick Ratio | 3.52 |
3. Growth
3.1 Past
- SEZL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.05%, which is quite good.
- Looking at the last year, SEZL shows a very strong growth in Revenue. The Revenue has grown by 88.74%.
- Measured over the past years, SEZL shows a very strong growth in Revenue. The Revenue has been growing by 76.56% on average per year.
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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 22.10, which indicates a rather expensive current valuation of SEZL.
- SEZL's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 27.47. SEZL is around the same levels.
- Based on the Price/Forward Earnings ratio of 15.33, the valuation of SEZL can be described as correct.
- 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 (24.26), we can say SEZL is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.1 | ||
| Fwd PE | 15.33 |
4.2 Price Multiples
- SEZL's Enterprise Value to EBITDA ratio is in line with the industry average.
- 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 Change0.17%
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.