SEZZLE INC (SEZL) Stock Fundamental Analysis
USA - NASDAQ:SEZL - US78435P1057 - Common Stock
65.08 USD
-5.25 (-7.46%)
66 USD
+0.92 (+1.41%)
Overall SEZL gets a fundamental rating of 6 out of 10. We evaluated SEZL against 99 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 not priced too expensively while it is growing strongly. Keep and eye on this one! These ratings would make SEZL suitable 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.
In multiple years SEZL reported negative operating cash flow during the last 5 years.
1.2 Ratios
With an excellent Return On Assets value of 29.83%, SEZL belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
SEZL has a Return On Equity of 80.20%. This is amongst the best in the industry. SEZL outperforms 97.98% of its industry peers.
With an excellent Return On Invested Capital value of 41.57%, SEZL belongs to the best of the industry, outperforming 98.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 29.83% | ||
| ROE | 80.2% | ||
| ROIC | 41.57% |
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
SEZL's Profit Margin of 28.13% is amongst the best of the industry. SEZL outperforms 81.82% of its industry peers.
Looking at the Operating Margin, with a value of 37.03%, SEZL is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
SEZL has a Gross Margin of 84.29%. This is amongst the best in the industry. SEZL outperforms 87.88% of its industry peers.
In the last couple of years the Gross Margin of SEZL has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 37.03% | ||
| PM (TTM) | 28.13% | ||
| GM | 84.29% |
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.
The number of shares outstanding for SEZL has been reduced compared to 1 year ago.
Compared to 5 years ago, SEZL has less shares outstanding
SEZL has a better debt/assets ratio than last year.
2.2 Solvency
SEZL has an Altman-Z score of 9.46. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
SEZL's Altman-Z score of 9.46 is amongst the best of the industry. SEZL outperforms 91.92% of its industry peers.
The Debt to FCF ratio of SEZL is 4.80, which is a neutral value as it means it would take SEZL, 4.80 years of fcf income to pay off all of its debts.
SEZL has a Debt to FCF ratio of 4.80. This is in the better half of the industry: SEZL outperforms 68.69% of its industry peers.
SEZL has a Debt/Equity ratio of 1.00. This is a high value indicating a heavy dependency on external financing.
SEZL has a Debt to Equity ratio (1.00) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1 | ||
| Debt/FCF | 4.8 | ||
| Altman-Z | 9.46 |
ROIC/WACC4.71
WACC8.83%
2.3 Liquidity
SEZL has a Current Ratio of 3.51. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 3.51, SEZL belongs to the top of the industry, outperforming 84.85% of the companies in the same industry.
A Quick Ratio of 3.51 indicates that SEZL has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 3.51, SEZL belongs to the top of the industry, outperforming 85.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.51 | ||
| Quick Ratio | 3.51 |
3. Growth
3.1 Past
SEZL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 149.33%, which is quite impressive.
The Revenue has grown by 92.95% 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)149.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%90.78%
Revenue 1Y (TTM)92.95%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%76.35%
3.2 Future
The Earnings Per Share is expected to grow by 24.15% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 43.44% on average over the next years. This is a very strong growth
EPS Next Y17.39%
EPS Next 2Y23.82%
EPS Next 3Y24.15%
EPS Next 5YN/A
Revenue Next Year76.81%
Revenue Next 2Y50.02%
Revenue Next 3Y43.44%
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 23.00, which indicates a rather expensive current valuation of SEZL.
Based on the Price/Earnings ratio, SEZL is valued a bit more expensive than 63.64% of the companies in the same industry.
When comparing the Price/Earnings ratio of SEZL to the average of the S&P500 Index (26.76), we can say SEZL is valued inline with the index average.
Based on the Price/Forward Earnings ratio of 14.96, the valuation of SEZL can be described as correct.
The rest of the industry has a similar Price/Forward Earnings ratio as SEZL.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, SEZL is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23 | ||
| Fwd PE | 14.96 |
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 is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 81.44 | ||
| EV/EBITDA | 17.54 |
4.3 Compensation for Growth
SEZL's 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.
SEZL's earnings are expected to grow with 24.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.32
PEG (5Y)N/A
EPS Next 2Y23.82%
EPS Next 3Y24.15%
5. Dividend
5.1 Amount
No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
65.08
-5.25 (-7.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners32.25%
Inst Owner Change0.1%
Ins Owners47.36%
Ins Owner Change-1.73%
Market Cap2.21B
Revenue(TTM)371.80M
Net Income(TTM)104.58M
Analysts82
Price Target121.64 (86.91%)
Short Float %21.23%
Short Ratio4.24
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)198.41%
Min EPS beat(2)16.63%
Max EPS beat(2)380.18%
EPS beat(4)4
Avg EPS beat(4)154.41%
Min EPS beat(4)16.63%
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)30.39%
Min Revenue beat(2)1.93%
Max Revenue beat(2)58.85%
Revenue beat(4)4
Avg Revenue beat(4)29.32%
Min Revenue beat(4)1.93%
Max Revenue beat(4)58.85%
Revenue beat(8)8
Avg Revenue beat(8)25.6%
Revenue beat(12)10
Avg Revenue beat(12)17.28%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-25.93%
EPS NQ rev (1m)1.69%
EPS NQ rev (3m)-6.48%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)0.2%
Revenue NQ rev (1m)0.77%
Revenue NQ rev (3m)-1.65%
Revenue NY rev (1m)-0.32%
Revenue NY rev (3m)-0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23 | ||
| Fwd PE | 14.96 | ||
| P/S | 5.95 | ||
| P/FCF | 81.44 | ||
| P/OCF | 75.81 | ||
| P/B | 16.98 | ||
| P/tB | 17.35 | ||
| EV/EBITDA | 17.54 |
EPS(TTM)2.83
EY4.35%
EPS(NY)4.35
Fwd EY6.69%
FCF(TTM)0.8
FCFY1.23%
OCF(TTM)0.86
OCFY1.32%
SpS10.93
BVpS3.83
TBVpS3.75
PEG (NY)1.32
PEG (5Y)N/A
Graham Number15.62
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 29.83% | ||
| ROE | 80.2% | ||
| ROCE | 52.62% | ||
| ROIC | 41.57% | ||
| ROICexc | 62.97% | ||
| ROICexgc | 64% | ||
| OM | 37.03% | ||
| PM (TTM) | 28.13% | ||
| GM | 84.29% | ||
| FCFM | 7.31% |
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-Score7
Asset Turnover1.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1 | ||
| Debt/FCF | 4.8 | ||
| Debt/EBITDA | 0.94 | ||
| Cap/Depr | 185.31% | ||
| Cap/Sales | 0.54% | ||
| Interest Coverage | 9.88 | ||
| Cash Conversion | 21.04% | ||
| Profit Quality | 26% | ||
| Current Ratio | 3.51 | ||
| Quick Ratio | 3.51 | ||
| Altman-Z | 9.46 |
F-Score7
WACC8.83%
ROIC/WACC4.71
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)149.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%90.78%
EPS Next Y17.39%
EPS Next 2Y23.82%
EPS Next 3Y24.15%
EPS Next 5YN/A
Revenue 1Y (TTM)92.95%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%76.35%
Revenue Next Year76.81%
Revenue Next 2Y50.02%
Revenue Next 3Y43.44%
Revenue Next 5YN/A
EBIT growth 1Y216.16%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year133.19%
EBIT Next 3Y63.09%
EBIT Next 5YN/A
FCF growth 1Y637.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y500.04%
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.
Can you provide the valuation status for SEZZLE INC?
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 23 and the Price/Book (PB) ratio is 16.98.
What is the earnings growth outlook for SEZZLE INC?
The Earnings per Share (EPS) of SEZZLE INC (SEZL) is expected to grow by 17.39% in the next year.