SEZZLE INC (SEZL) Fundamental Analysis & Valuation

NASDAQ:SEZL • US78435P1057

65.29 USD
-3.96 (-5.72%)
At close: Mar 12, 2026
65.29 USD
0 (0%)
After Hours: 3/12/2026, 7:11:50 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This SEZL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to SEZL. SEZL was compared to 98 industry peers in the Financial Services industry. SEZL has an excellent financial health rating, but there are some minor concerns on its profitability. SEZL has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

1. SEZL Profitability Analysis

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.
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

  • With an excellent Return On Assets value of 31.56%, SEZL belongs to the best of the industry, outperforming 98.98% of the companies in the same industry.
  • SEZL has a Return On Equity of 74.58%. This is amongst the best in the industry. SEZL outperforms 97.96% of its industry peers.
  • The Return On Invested Capital of SEZL (44.06%) is better than 98.98% 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 81.63% of its industry peers.
  • Looking at the Operating Margin, with a value of 36.41%, SEZL is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
  • SEZL has a Gross Margin of 84.93%. This is amongst the best in the industry. SEZL outperforms 89.80% of its industry peers.
  • SEZL's Gross Margin has improved in the last couple of years.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. SEZL Health Analysis

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • An Altman-Z score of 9.84 indicates that SEZL is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of SEZL (9.84) is better than 93.88% of its industry peers.
  • The Debt to FCF ratio of SEZL is 2.17, which is a good value as it means it would take SEZL, 2.17 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 2.17, SEZL is doing good in the industry, outperforming 70.41% of the companies in the same industry.
  • SEZL has a Debt/Equity ratio of 0.76. This is a neutral value indicating SEZL is somewhat dependend on debt financing.
  • The Debt to Equity ratio of SEZL (0.76) is comparable to the rest of the 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 RankSector Rank
Debt/Equity 0.76
Debt/FCF 2.17
Altman-Z 9.84
ROIC/WACC4.92
WACC8.95%
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

  • 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 84.69% 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.
  • With an excellent Quick ratio value of 3.52, SEZL belongs to the best of the industry, outperforming 84.69% of the companies in the same industry.
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. SEZL Growth Analysis

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.
  • Based on estimates for the next years, SEZL will show a very strong growth in Revenue. The Revenue will grow by 26.26% on average per year.
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. SEZL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.09, the valuation of SEZL can be described as rather expensive.
  • SEZL's Price/Earnings is on the same level as the industry average.
  • SEZL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.71.
  • SEZL is valuated correctly with a Price/Forward Earnings ratio of 13.64.
  • 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 23.82.
Industry RankSector Rank
PE 18.09
Fwd PE 13.64
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

  • SEZL's Enterprise Value to EBITDA ratio is in line with the industry average.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as SEZL.
Industry RankSector Rank
P/FCF 40.81
EV/EBITDA 15.32
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • SEZL has a very decent profitability rating, which 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)0.55
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. SEZL Dividend Analysis

5.1 Amount

  • SEZL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

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SEZL Fundamentals: All Metrics, Ratios and Statistics

SEZZLE INC

NASDAQ:SEZL (3/12/2026, 7:11:50 PM)

After market: 65.29 0 (0%)

65.29

-3.96 (-5.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners39.69%
Inst Owner Change15.68%
Ins Owners47.45%
Ins Owner Change-0.56%
Market Cap2.21B
Revenue(TTM)N/A
Net Income(TTM)115.81M
Analysts81.82
Price Target94.45 (44.66%)
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)-0.67%
EPS NY rev (3m)-0.63%
Revenue NQ rev (1m)-0.55%
Revenue NQ rev (3m)-0.9%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-0.26%
Valuation
Industry RankSector Rank
PE 18.09
Fwd PE 13.64
P/S 5.27
P/FCF 40.81
P/OCF 39
P/B 14.21
P/tB 14.5
EV/EBITDA 15.32
EPS(TTM)3.61
EY5.53%
EPS(NY)4.79
Fwd EY7.33%
FCF(TTM)1.6
FCFY2.45%
OCF(TTM)1.67
OCFY2.56%
SpS12.39
BVpS4.59
TBVpS4.5
PEG (NY)0.55
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 9.84
F-Score8
WACC8.95%
ROIC/WACC4.92
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 3Y61.08%
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 18.09 and the Price/Book (PB) ratio is 14.21.


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

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