63.475 USD
-1.54 (-2.36%)
64.38 USD
+0.9 (+1.43%)
Overall SEZL gets a fundamental rating of 7 out of 10. We evaluated SEZL against 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 is not priced too expensively while it is growing strongly. Keep and eye on this one! With these ratings, SEZL could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
In the past year SEZL was profitable.
SEZL had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: SEZL reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: SEZL reported negative operating cash flow in multiple years.
1.2 Ratios
SEZL has a Return On Assets of 31.56%. This is amongst the best in the industry. SEZL outperforms 98.98% of its industry peers.
SEZL has a better Return On Equity (74.58%) than 96.94% of its industry peers.
With an excellent Return On Invested Capital value of 44.06%, SEZL belongs to the best of the industry, outperforming 98.98% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 27.66%, SEZL belongs to the top of the industry, outperforming 82.65% of the companies in the same industry.
With a decent Operating Margin value of 36.41%, SEZL is doing good in the industry, outperforming 77.55% 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 88.78% of the companies in the same industry.
SEZL's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), SEZL is creating value.
Compared to 1 year ago, SEZL has less shares outstanding
The number of shares outstanding for SEZL has been reduced compared to 5 years ago.
Compared to 1 year ago, SEZL has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 9.35 indicates that SEZL is not in any danger for bankruptcy at the moment.
SEZL's Altman-Z score of 9.35 is amongst the best of the industry. SEZL outperforms 92.86% 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 72.45% 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.
SEZL's Debt to Equity ratio of 0.76 is in line compared to the rest of the industry. SEZL outperforms 52.04% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 2.17 | ||
| Altman-Z | 9.35 |
ROIC/WACC4.94
WACC8.92%
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 86.73% of its industry peers.
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.
SEZL's Quick ratio of 3.52 is amongst the best of the industry. SEZL outperforms 87.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.52 | ||
| Quick Ratio | 3.52 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 17.05% over the past year.
The Revenue has grown by 88.74% in the past year. This is a very strong growth!
Measured over the past years, SEZL shows a very strong growth in Revenue. The Revenue has been growing by 76.56% on average per year.
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 24.42% on average per year.
SEZL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 43.69% yearly.
EPS Next Y21.49%
EPS Next 2Y25.47%
EPS Next 3Y24.42%
EPS Next 5YN/A
Revenue Next Year80.22%
Revenue Next 2Y50.7%
Revenue Next 3Y43.69%
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
A Price/Earnings ratio of 20.48 indicates a rather expensive valuation of SEZL.
The rest of the industry has a similar Price/Earnings ratio as SEZL.
SEZL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.51.
With a Price/Forward Earnings ratio of 14.21, SEZL is valued correctly.
The rest of the industry has a similar Price/Forward Earnings ratio as SEZL.
The average S&P500 Price/Forward Earnings ratio is at 23.13. SEZL is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.48 | ||
| Fwd PE | 14.21 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as SEZL.
SEZL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 40.08 | ||
| EV/EBITDA | 14.19 |
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.
The decent profitability rating of SEZL may justify a higher PE ratio.
SEZL's earnings are expected to grow with 24.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.95
PEG (5Y)N/A
EPS Next 2Y25.47%
EPS Next 3Y24.42%
5. Dividend
5.1 Amount
No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
63.475
-1.54 (-2.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners30.52%
Inst Owner Change-5.46%
Ins Owners47%
Ins Owner Change-0.78%
Market Cap2.17B
Revenue(TTM)418.63M
Net Income(TTM)115.81M
Analysts82
Price Target110.67 (74.35%)
Short Float %32.09%
Short Ratio5.62
Dividend
| Industry Rank | Sector 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)0%
PT rev (3m)-9.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.81%
EPS NY rev (1m)3.5%
EPS NY rev (3m)3.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.31%
Revenue NY rev (1m)1.93%
Revenue NY rev (3m)1.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.48 | ||
| Fwd PE | 14.21 | ||
| P/S | 5.18 | ||
| P/FCF | 40.08 | ||
| P/OCF | 38.31 | ||
| P/B | 13.96 | ||
| P/tB | 14.24 | ||
| EV/EBITDA | 14.19 |
EPS(TTM)3.1
EY4.88%
EPS(NY)4.47
Fwd EY7.04%
FCF(TTM)1.58
FCFY2.49%
OCF(TTM)1.66
OCFY2.61%
SpS12.26
BVpS4.55
TBVpS4.46
PEG (NY)0.95
PEG (5Y)N/A
Graham Number17.81
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 9.35 |
F-Score8
WACC8.92%
ROIC/WACC4.94
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 Y21.49%
EPS Next 2Y25.47%
EPS Next 3Y24.42%
EPS Next 5YN/A
Revenue 1Y (TTM)88.74%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%66.95%
Revenue Next Year80.22%
Revenue Next 2Y50.7%
Revenue Next 3Y43.69%
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 20.48 and the Price/Book (PB) ratio is 13.96.
What is the financial health of SEZZLE INC (SEZL) stock?
The financial health rating of SEZZLE INC (SEZL) is 9 / 10.