68.06 USD
-2.44 (-3.46%)
67.5 USD
-0.56 (-0.82%)
We assign a fundamental rating of 7 out of 10 to SEZL. SEZL was compared to 98 industry peers in the Financial Services industry. While SEZL has a great health rating, its profitability is only average at the moment. SEZL is growing strongly while it is still valued neutral. This is a good combination! With these ratings, SEZL could be worth investigating further for growth investing!.
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.
In multiple years SEZL reported negative net income over the last 5 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
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's Return On Equity of 74.58% is amongst the best of the industry. SEZL outperforms 96.94% of its industry peers.
SEZL has a Return On Invested Capital of 44.06%. This is amongst the best in the industry. SEZL outperforms 98.98% of its industry peers.
| 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
SEZL's Profit Margin of 27.66% is amongst the best of the industry. SEZL outperforms 82.65% 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 77.55% of the companies in the same industry.
The Gross Margin of SEZL (84.93%) is better than 88.78% of its industry peers.
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
SEZL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it 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.
SEZL has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 9.80 indicates that SEZL is not in any danger for bankruptcy at the moment.
The Altman-Z score of SEZL (9.80) is better than 92.86% of its industry peers.
SEZL has a debt to FCF ratio of 2.17. This is a good value and a sign of high solvency as SEZL would need 2.17 years to pay back of all of its debts.
SEZL's Debt to FCF ratio of 2.17 is fine compared to the rest of the industry. SEZL outperforms 72.45% of its industry peers.
A Debt/Equity ratio of 0.76 indicates that 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 51.02% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 2.17 | ||
| Altman-Z | 9.8 |
ROIC/WACC4.96
WACC8.88%
2.3 Liquidity
A Current Ratio of 3.52 indicates that SEZL has no problem at all paying its short term obligations.
SEZL has a Current ratio of 3.52. This is amongst the best in the industry. SEZL outperforms 85.71% 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 has a better Quick ratio (3.52) than 86.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.52 | ||
| Quick Ratio | 3.52 |
3. Growth
3.1 Past
SEZL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.05%, which is quite good.
Looking at the last year, SEZL shows a very strong growth in Revenue. The Revenue has grown by 88.74%.
SEZL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 76.56% yearly.
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
The Earnings Per Share is expected to grow by 24.42% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 43.69% on average over the next years. This is a very strong growth
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
Based on the Price/Earnings ratio of 21.95, the valuation of SEZL can be described as rather expensive.
SEZL's Price/Earnings ratio is in line with the industry average.
SEZL is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.84, which is the current average of the S&P500 Index.
SEZL is valuated correctly with a Price/Forward Earnings ratio of 15.23.
SEZL's Price/Forward Earnings ratio is in line with the industry average.
SEZL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.40, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.95 | ||
| Fwd PE | 15.23 |
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 ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 42.98 | ||
| EV/EBITDA | 15.21 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of SEZL may justify a higher PE ratio.
A more expensive valuation may be justified as SEZL's earnings are expected to grow with 24.42% in the coming years.
PEG (NY)1.02
PEG (5Y)N/A
EPS Next 2Y25.47%
EPS Next 3Y24.42%
5. Dividend
5.1 Amount
SEZL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
68.06
-2.44 (-3.46%)
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 Cap2.32B
Revenue(TTM)418.63M
Net Income(TTM)115.81M
Analysts82
Price Target110.67 (62.61%)
Short Float %25.31%
Short Ratio4.45
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 | 21.95 | ||
| Fwd PE | 15.23 | ||
| P/S | 5.55 | ||
| P/FCF | 42.98 | ||
| P/OCF | 41.07 | ||
| P/B | 14.97 | ||
| P/tB | 15.27 | ||
| EV/EBITDA | 15.21 |
EPS(TTM)3.1
EY4.55%
EPS(NY)4.47
Fwd EY6.57%
FCF(TTM)1.58
FCFY2.33%
OCF(TTM)1.66
OCFY2.43%
SpS12.26
BVpS4.55
TBVpS4.46
PEG (NY)1.02
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 | 9.8 |
F-Score8
WACC8.88%
ROIC/WACC4.96
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.
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 21.95 and the Price/Book (PB) ratio is 14.97.
What is the earnings growth outlook for SEZZLE INC?
The Earnings per Share (EPS) of SEZZLE INC (SEZL) is expected to grow by 21.49% in the next year.