SEZZLE INC (SEZL)
US78435P1057 - Common Stock
Overall SEZL gets a fundamental rating of 5 out of 10. We evaluated SEZL against 99 industry peers in the Financial Services industry. SEZL has only an average score on both its financial health and profitability. SEZL is valued quite expensive, but it does show an excellent growth. These ratings could make SEZL a good candidate for growth investing.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 22.18%, SEZL belongs to the top of the industry, outperforming 98.99% of the companies in the same industry.
SEZL has a Return On Equity of 91.75%. This is amongst the best in the industry. SEZL outperforms 97.98% of its industry peers.
The Return On Invested Capital of SEZL (29.90%) is better than 98.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 22.18% | ||
| ROE | 91.75% | ||
| ROIC | 29.9% |
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
The Profit Margin of SEZL (25.29%) is better than 77.78% of its industry peers.
SEZL's Operating Margin of 26.62% is fine compared to the rest of the industry. SEZL outperforms 69.70% of its industry peers.
Looking at the Gross Margin, with a value of 78.19%, SEZL belongs to the top of the industry, outperforming 84.85% of the companies in the same industry.
SEZL's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 26.62% | ||
| PM (TTM) | 25.29% | ||
| GM | 78.19% |
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.
SEZL has more shares outstanding than it did 1 year ago.
Compared to 1 year ago, SEZL has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 6.55 indicates that SEZL is not in any danger for bankruptcy at the moment.
SEZL's Altman-Z score of 6.55 is amongst the best of the industry. SEZL outperforms 90.91% of its industry peers.
The Debt to FCF ratio of SEZL is 3.99, which is a good value as it means it would take SEZL, 3.99 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 3.99, SEZL is doing good in the industry, outperforming 64.65% of the companies in the same industry.
A Debt/Equity ratio of 1.54 is on the high side and indicates that SEZL has dependencies on debt financing.
The Debt to Equity ratio of SEZL (1.54) is worse than 61.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.54 | ||
| Debt/FCF | 3.99 | ||
| Altman-Z | 6.55 |
ROIC/WACC3.13
WACC9.55%
2.3 Liquidity
SEZL has a Current Ratio of 2.40. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
SEZL's Current ratio of 2.40 is fine compared to the rest of the industry. SEZL outperforms 77.78% of its industry peers.
SEZL has a Quick Ratio of 2.40. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
With a decent Quick ratio value of 2.40, SEZL is doing good in the industry, outperforming 79.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.4 | ||
| Quick Ratio | 2.4 |
3. Growth
3.1 Past
SEZL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1001.01%, which is quite impressive.
SEZL shows a strong growth in Revenue. In the last year, the Revenue has grown by 49.13%.
SEZL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 39.43% yearly.
EPS 1Y (TTM)1001.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1057.73%
Revenue 1Y (TTM)49.13%
Revenue growth 3Y39.43%
Revenue growth 5YN/A
Sales Q2Q%71.28%
3.2 Future
The Earnings Per Share is expected to grow by 144.71% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 40.12% on average over the next years. This is a very strong growth
EPS Next Y802.45%
EPS Next 2Y220.92%
EPS Next 3Y144.71%
EPS Next 5YN/A
Revenue Next Year70.26%
Revenue Next 2Y50%
Revenue Next 3Y40.12%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 41.97 indicates a quite expensive valuation of SEZL.
Compared to the rest of the industry, the Price/Earnings ratio of SEZL indicates a slightly more expensive valuation: SEZL is more expensive than 72.73% of the companies listed in the same industry.
SEZL is valuated expensively when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 22.03, SEZL is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SEZL indicates a slightly more expensive valuation: SEZL is more expensive than 67.68% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of SEZL to the average of the S&P500 Index (23.69), we can say SEZL is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 41.97 | ||
| Fwd PE | 22.03 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SEZL is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SEZL is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 66.45 | ||
| EV/EBITDA | 26.3 |
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 more expensive valuation may be justified as SEZL's earnings are expected to grow with 144.71% in the coming years.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y220.92%
EPS Next 3Y144.71%
5. Dividend
5.1 Amount
No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SEZZLE INC
NASDAQ:SEZL (1/3/2025, 8:02:02 PM)
After market: 278.69 0 (0%)278.69
+5.9 (+2.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners15.21%
Inst Owner Change31.74%
Ins Owners48.07%
Ins Owner Change-4.06%
Market Cap1.56B
Analysts82.5
Price Target373.32 (33.96%)
Short Float %7.19%
Short Ratio1.24
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)171.7%
Min EPS beat(2)154.79%
Max EPS beat(2)188.61%
EPS beat(4)4
Avg EPS beat(4)1494.59%
Min EPS beat(4)154.79%
Max EPS beat(4)3749.24%
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)28.44%
Min Revenue beat(2)26.58%
Max Revenue beat(2)30.31%
Revenue beat(4)4
Avg Revenue beat(4)25.45%
Min Revenue beat(4)17.22%
Max Revenue beat(4)30.31%
Revenue beat(8)7
Avg Revenue beat(8)15.3%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)12.1%
PT rev (3m)133.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16310.5%
EPS NY rev (1m)0%
EPS NY rev (3m)61.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)53.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)11.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 41.97 | ||
| Fwd PE | 22.03 | ||
| P/S | 7.05 | ||
| P/FCF | 66.45 | ||
| P/OCF | 62.76 | ||
| P/B | 25.57 | ||
| P/tB | 26.57 | ||
| EV/EBITDA | 26.3 |
EPS(TTM)6.64
EY2.38%
EPS(NY)12.65
Fwd EY4.54%
FCF(TTM)4.19
FCFY1.5%
OCF(TTM)4.44
OCFY1.59%
SpS39.54
BVpS10.9
TBVpS10.49
PEG (NY)0.05
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 22.18% | ||
| ROE | 91.75% | ||
| ROCE | 37.85% | ||
| ROIC | 29.9% | ||
| ROICexc | 61.43% | ||
| ROICexgc | 63.34% | ||
| OM | 26.62% | ||
| PM (TTM) | 25.29% | ||
| GM | 78.19% | ||
| FCFM | 10.61% |
ROA(3y)-17.46%
ROA(5y)N/A
ROE(3y)-199.18%
ROE(5y)N/A
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
ROICexcg growth 3YN/A
ROICexcg 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 3Y6.88%
GM growth 5YN/A
F-Score8
Asset Turnover0.88
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.54 | ||
| Debt/FCF | 3.99 | ||
| Debt/EBITDA | 1.57 | ||
| Cap/Depr | 147.66% | ||
| Cap/Sales | 0.62% | ||
| Interest Coverage | 3.94 | ||
| Cash Conversion | 41.54% | ||
| Profit Quality | 41.94% | ||
| Current Ratio | 2.4 | ||
| Quick Ratio | 2.4 | ||
| Altman-Z | 6.55 |
F-Score8
WACC9.55%
ROIC/WACC3.13
Cap/Depr(3y)156.04%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.97%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1001.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1057.73%
EPS Next Y802.45%
EPS Next 2Y220.92%
EPS Next 3Y144.71%
EPS Next 5YN/A
Revenue 1Y (TTM)49.13%
Revenue growth 3Y39.43%
Revenue growth 5YN/A
Sales Q2Q%71.28%
Revenue Next Year70.26%
Revenue Next 2Y50%
Revenue Next 3Y40.12%
Revenue Next 5YN/A
EBIT growth 1Y206.31%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year421.6%
EBIT Next 3Y119.25%
EBIT Next 5YN/A
FCF growth 1Y-460.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-401.82%
OCF growth 3YN/A
OCF growth 5YN/A