SEZZLE INC (SEZL)
US78435P1057 - Common Stock
We assign a fundamental rating of 4 out of 10 to SEZL. SEZL was compared to 103 industry peers in the Financial Services industry. SEZL has only an average score on both its financial health and profitability. SEZL is quite expensive at the moment. It does show a decent growth rate.
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.
1.2 Ratios
With an excellent Return On Assets value of 19.78%, SEZL belongs to the best of the industry, outperforming 98.06% of the companies in the same industry.
SEZL's Return On Equity of 83.40% is amongst the best of the industry. SEZL outperforms 98.06% of its industry peers.
With an excellent Return On Invested Capital value of 28.64%, SEZL belongs to the best of the industry, outperforming 99.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.78% | ||
| ROE | 83.4% | ||
| ROIC | 28.64% |
ROA(3y)-17.46%
ROA(5y)N/A
ROE(3y)-199.18%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SEZL has a better Profit Margin (21.77%) than 75.73% of its industry peers.
SEZL's Operating Margin of 22.60% is fine compared to the rest of the industry. SEZL outperforms 66.99% of its industry peers.
The Gross Margin of SEZL (76.36%) is better than 82.52% of its industry peers.
SEZL's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.6% | ||
| PM (TTM) | 21.77% | ||
| GM | 76.36% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.88%
GM growth 5YN/A
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.
Compared to 1 year ago, SEZL has more shares outstanding
Compared to 1 year ago, SEZL has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 4.43 indicates that SEZL is not in any danger for bankruptcy at the moment.
SEZL has a Altman-Z score of 4.43. This is amongst the best in the industry. SEZL outperforms 89.32% of its industry peers.
SEZL has a debt to FCF ratio of 14.81. This is a negative value and a sign of low solvency as SEZL would need 14.81 years to pay back of all of its debts.
SEZL has a Debt to FCF ratio (14.81) which is in line with its industry peers.
A Debt/Equity ratio of 1.37 is on the high side and indicates that SEZL has dependencies on debt financing.
SEZL's Debt to Equity ratio of 1.37 is in line compared to the rest of the industry. SEZL outperforms 41.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | 14.81 | ||
| Altman-Z | 4.43 |
ROIC/WACC3.19
WACC8.99%
2.3 Liquidity
A Current Ratio of 2.07 indicates that SEZL has no problem at all paying its short term obligations.
SEZL's Current ratio of 2.07 is fine compared to the rest of the industry. SEZL outperforms 78.64% of its industry peers.
A Quick Ratio of 2.07 indicates that SEZL has no problem at all paying its short term obligations.
SEZL has a better Quick ratio (2.07) than 79.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.07 | ||
| Quick Ratio | 2.07 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 117.86% over the past year.
The Revenue has grown by 26.91% in the past year. This is a very strong growth!
The Revenue has been growing by 39.43% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)117.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2346.42%
Revenue 1Y (TTM)26.91%
Revenue growth 3Y39.43%
Revenue growth 5YN/A
Sales Q2Q%60.2%
3.2 Future
The Earnings Per Share is expected to decrease by -44.42% on average over the next years. This is quite bad
The Revenue is expected to decrease by -4.86% on average over the next years.
EPS Next Y458.74%
EPS Next 2Y175.39%
EPS Next 3Y-44.42%
EPS Next 5YN/A
Revenue Next Year52.12%
Revenue Next 2Y38.13%
Revenue Next 3Y-4.86%
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 21.44, which indicates a rather expensive current valuation of SEZL.
SEZL's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 30.52, SEZL is valued a bit cheaper.
A Price/Forward Earnings ratio of 16.13 indicates a correct valuation of SEZL.
The rest of the industry has a similar Price/Forward Earnings ratio as SEZL.
SEZL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.44 | ||
| Fwd PE | 16.13 |
4.2 Price Multiples
SEZL's Enterprise Value to EBITDA is on the same level as the industry average.
67.96% of the companies in the same industry are cheaper than SEZL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 180.96 | ||
| EV/EBITDA | 19.17 |
4.3 Compensation for Growth
SEZL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A cheap valuation may be justified as SEZL's earnings are expected to decrease with -44.42% in the coming years.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y175.39%
EPS Next 3Y-44.42%
5. Dividend
5.1 Amount
No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SEZZLE INC
NASDAQ:SEZL (9/13/2024, 8:00:02 PM)
After market: 150.31 0 (0%)150.31
+1.05 (+0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap841.74M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.44 | ||
| Fwd PE | 16.13 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.05
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.78% | ||
| ROE | 83.4% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 22.6% | ||
| PM (TTM) | 21.77% | ||
| GM | 76.36% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.91
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 2.07 | ||
| Quick Ratio | 2.07 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)117.86%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y458.74%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)26.91%
Revenue growth 3Y39.43%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y