SEZZLE INC (SEZL) Stock Fundamental Analysis
NASDAQ:SEZL - Nasdaq - US78435P1057 - Common Stock - Currency: USD
Overall SEZL gets a fundamental rating of 7 out of 10. We evaluated SEZL against 100 industry peers in the Financial Services industry. SEZL has an excellent financial health rating, but there are some minor concerns on its profitability. SEZL is valued quite expensive, but it does show an excellent growth. These ratings could make SEZL a good candidate for growth investing.
1. Profitability
1.1 Basic Checks
SEZL had positive earnings in the past year.
SEZL had a positive operating cash flow in the past year.
In multiple years SEZL reported negative net income over the last 5 years.
In multiple years SEZL reported negative operating cash flow during the last 5 years.
1.2 Ratios
SEZL has a Return On Assets of 35.79%. This is amongst the best in the industry. SEZL outperforms 100.00% of its industry peers.
With an excellent Return On Equity value of 84.83%, SEZL belongs to the best of the industry, outperforming 98.00% of the companies in the same industry.
SEZL has a better Return On Invested Capital (47.57%) than 99.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 35.79% | ||
| ROE | 84.83% | ||
| ROIC | 47.57% |
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 (32.42%) is better than 84.00% of its industry peers.
With a decent Operating Margin value of 35.95%, SEZL is doing good in the industry, outperforming 77.00% of the companies in the same industry.
SEZL has a Gross Margin of 83.32%. This is amongst the best in the industry. SEZL outperforms 89.00% of its industry peers.
SEZL's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 35.95% | ||
| PM (TTM) | 32.42% | ||
| GM | 83.32% |
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
An Altman-Z score of 22.25 indicates that SEZL is not in any danger for bankruptcy at the moment.
SEZL has a Altman-Z score of 22.25. This is amongst the best in the industry. SEZL outperforms 96.00% of its industry peers.
SEZL has a debt to FCF ratio of 1.17. This is a very positive value and a sign of high solvency as it would only need 1.17 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 1.17, SEZL belongs to the best of the industry, outperforming 82.00% of the companies in the same industry.
SEZL has a Debt/Equity ratio of 0.56. This is a neutral value indicating SEZL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.56, SEZL is in line with its industry, outperforming 58.00% of the companies in the same industry.
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 | 0.56 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | 22.25 |
ROIC/WACC5.3
WACC8.97%
2.3 Liquidity
A Current Ratio of 2.62 indicates that SEZL has no problem at all paying its short term obligations.
With a decent Current ratio value of 2.62, SEZL is doing good in the industry, outperforming 80.00% of the companies in the same industry.
A Quick Ratio of 2.62 indicates that SEZL has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.62, SEZL belongs to the top of the industry, outperforming 81.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.62 | ||
| Quick Ratio | 2.62 |
3. Growth
3.1 Past
SEZL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 678.89%, which is quite impressive.
The Revenue has grown by 91.69% in the past year. This is a very strong growth!
The Revenue has been growing by 76.56% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)678.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-25.37%
Revenue 1Y (TTM)91.69%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%123.31%
3.2 Future
The Earnings Per Share is expected to grow by 25.65% on average over the next years. This is a very strong growth
Based on estimates for the next years, SEZL will show a very strong growth in Revenue. The Revenue will grow by 45.90% on average per year.
EPS Next Y17.51%
EPS Next 2Y23.58%
EPS Next 3Y25.65%
EPS Next 5YN/A
Revenue Next Year77.26%
Revenue Next 2Y49%
Revenue Next 3Y45.9%
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
SEZL is valuated quite expensively with a Price/Earnings ratio of 68.92.
78.00% 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 (27.28), we can say SEZL is valued expensively.
SEZL is valuated quite expensively with a Price/Forward Earnings ratio of 39.75.
75.00% of the companies in the same industry are cheaper than SEZL, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, SEZL is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 68.92 | ||
| Fwd PE | 39.75 |
4.2 Price Multiples
64.00% of the companies in the same industry are cheaper than SEZL, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as SEZL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 96.09 | ||
| EV/EBITDA | 46.6 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive 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 25.65% in the coming years.
PEG (NY)3.94
PEG (5Y)N/A
EPS Next 2Y23.58%
EPS Next 3Y25.65%
5. Dividend
5.1 Amount
No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
172.3
+4.72 (+2.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners27.52%
Inst Owner Change644.65%
Ins Owners48.48%
Ins Owner Change-1.5%
Market Cap5.74B
Analysts82.5
Price Target118.66 (-31.13%)
Short Float %19%
Short Ratio2.63
Dividend
| Industry Rank | Sector 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)206.19%
Min EPS beat(2)32.19%
Max EPS beat(2)380.18%
EPS beat(4)4
Avg EPS beat(4)188.94%
Min EPS beat(4)32.19%
Max EPS beat(4)380.18%
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)42.51%
Min Revenue beat(2)26.17%
Max Revenue beat(2)58.85%
Revenue beat(4)4
Avg Revenue beat(4)35.48%
Min Revenue beat(4)26.17%
Max Revenue beat(4)58.85%
Revenue beat(8)8
Avg Revenue beat(8)25.84%
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)89.16%
PT rev (3m)-68.43%
EPS NQ rev (1m)3.24%
EPS NQ rev (3m)-75.85%
EPS NY rev (1m)153.49%
EPS NY rev (3m)-75.33%
Revenue NQ rev (1m)1.7%
Revenue NQ rev (3m)25.16%
Revenue NY rev (1m)24.95%
Revenue NY rev (3m)24.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 68.92 | ||
| Fwd PE | 39.75 | ||
| P/S | 17.43 | ||
| P/FCF | 96.09 | ||
| P/OCF | 93.84 | ||
| P/B | 45.61 | ||
| P/tB | 46.5 | ||
| EV/EBITDA | 46.6 |
EPS(TTM)2.5
EY1.45%
EPS(NY)4.34
Fwd EY2.52%
FCF(TTM)1.79
FCFY1.04%
OCF(TTM)1.84
OCFY1.07%
SpS9.88
BVpS3.78
TBVpS3.71
PEG (NY)3.94
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 35.79% | ||
| ROE | 84.83% | ||
| ROCE | 60.21% | ||
| ROIC | 47.57% | ||
| ROICexc | 86.87% | ||
| ROICexgc | 88.86% | ||
| OM | 35.95% | ||
| PM (TTM) | 32.42% | ||
| GM | 83.32% | ||
| FCFM | 18.14% |
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
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 3Y9.27%
GM growth 5Y9.49%
F-Score8
Asset Turnover1.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 1.17 | ||
| Debt/EBITDA | 0.59 | ||
| Cap/Depr | 141.5% | ||
| Cap/Sales | 0.44% | ||
| Interest Coverage | 9.03 | ||
| Cash Conversion | 51.23% | ||
| Profit Quality | 55.95% | ||
| Current Ratio | 2.62 | ||
| Quick Ratio | 2.62 | ||
| Altman-Z | 22.25 |
F-Score8
WACC8.97%
ROIC/WACC5.3
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)678.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-25.37%
EPS Next Y17.51%
EPS Next 2Y23.58%
EPS Next 3Y25.65%
EPS Next 5YN/A
Revenue 1Y (TTM)91.69%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%123.31%
Revenue Next Year77.26%
Revenue Next 2Y49%
Revenue Next 3Y45.9%
Revenue Next 5YN/A
EBIT growth 1Y286.43%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year137.6%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1479.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1912.69%
OCF growth 3YN/A
OCF growth 5YN/A