SEZZLE INC (SEZL) Stock Fundamental Analysis

NASDAQ:SEZL • US78435P1057

62.07 USD
-0.79 (-1.26%)
At close: Feb 12, 2026
61 USD
-1.07 (-1.72%)
After Hours: 2/12/2026, 8:15:35 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

Taking everything into account, SEZL scores 7 out of 10 in our fundamental rating. SEZL was compared to 96 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 overvalued while it is showing excellent growth. This is an interesting combination. This makes SEZL very considerable for growth investing!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year SEZL was profitable.
  • 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.
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

  • SEZL has a Return On Assets of 31.56%. This is amongst the best in the industry. SEZL outperforms 98.96% of its industry peers.
  • SEZL's Return On Equity of 74.58% is amongst the best of the industry. SEZL outperforms 96.88% of its industry peers.
  • SEZL has a Return On Invested Capital of 44.06%. This is amongst the best in the industry. SEZL outperforms 98.96% 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

  • With an excellent Profit Margin value of 27.66%, SEZL belongs to the best of the industry, outperforming 82.29% of the companies in the same industry.
  • Looking at the Operating Margin, with a value of 36.41%, SEZL is in the better half of the industry, outperforming 78.13% of the companies in the same industry.
  • With an excellent Gross Margin value of 84.93%, SEZL belongs to the best of the industry, outperforming 89.58% of the companies in the same industry.
  • 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), SEZL is creating value.
  • SEZL has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, SEZL has less shares outstanding
  • The debt/assets ratio for SEZL has been reduced compared to a year ago.
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

  • SEZL has an Altman-Z score of 9.22. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
  • SEZL has a better Altman-Z score (9.22) than 93.75% 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.
  • SEZL's Debt to FCF ratio of 2.17 is fine compared to the rest of the industry. SEZL outperforms 71.88% of its industry peers.
  • SEZL has a Debt/Equity ratio of 0.76. This is a neutral value indicating SEZL is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.76, SEZL is in line with its industry, outperforming 51.04% of the companies in the same industry.
  • Although SEZL does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 2.17
Altman-Z 9.22
ROIC/WACC4.93
WACC8.93%
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

  • 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 87.50% of its industry peers.
  • A Quick Ratio of 3.52 indicates that SEZL has no problem at all paying its short term obligations.
  • SEZL has a better Quick ratio (3.52) than 88.54% of its industry peers.
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

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 17.05% over the past year.
  • SEZL shows a strong growth in Revenue. In the last year, the Revenue has grown by 88.74%.
  • The Revenue has been growing by 76.56% on average over the past years. This is a very strong growth!
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

  • Based on estimates for the next years, SEZL will show a very strong growth in Earnings Per Share. The EPS will grow by 25.18% on average per year.
  • SEZL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 43.63% yearly.
EPS Next Y21.54%
EPS Next 2Y25.47%
EPS Next 3Y25.18%
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.
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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 20.02, SEZL is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Earnings ratio of SEZL is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of SEZL to the average of the S&P500 Index (27.67), we can say SEZL is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 13.89, which indicates a correct valuation of SEZL.
  • The rest of the industry has a similar Price/Forward Earnings ratio as SEZL.
  • SEZL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.69.
Industry RankSector Rank
PE 20.02
Fwd PE 13.89
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 39.2
EV/EBITDA 13.88
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 25.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.93
PEG (5Y)N/A
EPS Next 2Y25.47%
EPS Next 3Y25.18%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for SEZL!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

SEZZLE INC

NASDAQ:SEZL (2/12/2026, 8:15:35 PM)

After market: 61 -1.07 (-1.72%)

62.07

-0.79 (-1.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05
Earnings (Next)02-23
Inst Owners30.7%
Inst Owner Change13.18%
Ins Owners47%
Ins Owner Change-0.52%
Market Cap2.12B
Revenue(TTM)418.63M
Net Income(TTM)115.81M
Analysts82
Price Target105.32 (69.68%)
Short Float %27.26%
Short Ratio5.32
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)-4.84%
PT rev (3m)-14.14%
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)0.33%
EPS NY rev (1m)0.04%
EPS NY rev (3m)3.54%
Revenue NQ rev (1m)-0.35%
Revenue NQ rev (3m)-0.35%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)1.82%
Valuation
Industry RankSector Rank
PE 20.02
Fwd PE 13.89
P/S 5.06
P/FCF 39.2
P/OCF 37.46
P/B 13.65
P/tB 13.93
EV/EBITDA 13.88
EPS(TTM)3.1
EY4.99%
EPS(NY)4.47
Fwd EY7.2%
FCF(TTM)1.58
FCFY2.55%
OCF(TTM)1.66
OCFY2.67%
SpS12.26
BVpS4.55
TBVpS4.46
PEG (NY)0.93
PEG (5Y)N/A
Graham Number17.81
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 9.22
F-Score8
WACC8.93%
ROIC/WACC4.93
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 Y21.54%
EPS Next 2Y25.47%
EPS Next 3Y25.18%
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 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 20.02 and the Price/Book (PB) ratio is 13.65.


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

The financial health rating of SEZZLE INC (SEZL) is 9 / 10.