SEZZLE INC (SEZL) Stock Fundamental Analysis
NASDAQ:SEZL - Nasdaq - US78435P1057 - Common Stock - Currency: USD
We assign a fundamental rating of 6 out of 10 to SEZL. SEZL was compared to 101 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. These ratings would make SEZL suitable 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.
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 26.32%, SEZL belongs to the best of the industry, outperforming 99.01% of the companies in the same industry.
The Return On Equity of SEZL (89.40%) is better than 98.02% of its industry peers.
SEZL's Return On Invested Capital of 33.72% is amongst the best of the industry. SEZL outperforms 98.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 26.32% | ||
| ROE | 89.4% | ||
| ROIC | 33.72% |
ROA(3y)2.53%
ROA(5y)-8.93%
ROE(3y)-103.08%
ROE(5y)-112.43%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SEZL (28.96%) is better than 83.17% of its industry peers.
Looking at the Operating Margin, with a value of 30.33%, SEZL is in the better half of the industry, outperforming 73.27% of the companies in the same industry.
With an excellent Gross Margin value of 81.06%, SEZL belongs to the best of the industry, outperforming 89.11% of the companies in the same industry.
In the last couple of years the Gross Margin of SEZL has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.33% | ||
| PM (TTM) | 28.96% | ||
| GM | 81.06% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y9.27%
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 less shares outstanding than it did 1 year ago.
SEZL has a better debt/assets ratio than last year.
2.2 Solvency
SEZL has an Altman-Z score of 6.14. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
SEZL has a Altman-Z score of 6.14. This is amongst the best in the industry. SEZL outperforms 92.08% of its industry peers.
SEZL has a debt to FCF ratio of 2.64. This is a good value and a sign of high solvency as SEZL would need 2.64 years to pay back of all of its debts.
The Debt to FCF ratio of SEZL (2.64) is better than 71.29% of its industry peers.
SEZL has a Debt/Equity ratio of 1.18. This is a high value indicating a heavy dependency on external financing.
SEZL has a Debt to Equity ratio (1.18) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.18 | ||
| Debt/FCF | 2.64 | ||
| Altman-Z | 6.14 |
ROIC/WACC2.15
WACC15.7%
2.3 Liquidity
SEZL has a Current Ratio of 2.44. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
SEZL has a Current ratio of 2.44. This is amongst the best in the industry. SEZL outperforms 81.19% of its industry peers.
SEZL has a Quick Ratio of 2.44. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
SEZL's Quick ratio of 2.44 is amongst the best of the industry. SEZL outperforms 82.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.44 | ||
| Quick Ratio | 2.44 |
3. Growth
3.1 Past
SEZL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 946.33%, which is quite impressive.
Looking at the last year, SEZL shows a very strong growth in Revenue. The Revenue has grown by 70.14%.
The Revenue has been growing by 33.16% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)946.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.25%
Revenue 1Y (TTM)70.14%
Revenue growth 3Y33.16%
Revenue growth 5YN/A
Sales Q2Q%100.87%
3.2 Future
The Earnings Per Share is expected to decrease by -20.17% on average over the next years. This is quite bad
Based on estimates for the next years, SEZL will show a very strong growth in Revenue. The Revenue will grow by 28.41% on average per year.
EPS Next Y-51.51%
EPS Next 2Y-20.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year41.86%
Revenue Next 2Y28.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.16, the valuation of SEZL can be described as reasonable.
SEZL's Price/Earnings ratio is a bit cheaper when compared to the industry. SEZL is cheaper than 66.34% of the companies in the same industry.
SEZL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.64.
A Price/Forward Earnings ratio of 20.96 indicates a rather expensive valuation of SEZL.
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 60.40% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.44. SEZL is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.16 | ||
| Fwd PE | 20.96 |
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.
The rest of the industry has a similar Price/Free Cash Flow ratio as SEZL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 40.54 | ||
| EV/EBITDA | 17.8 |
4.3 Compensation for Growth
SEZL has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as SEZL's earnings are expected to decrease with -20.17% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-20.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:SEZL (4/24/2025, 12:52:48 PM)
47.23
+4.39 (+10.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners22.77%
Inst Owner Change4.2%
Ins Owners44.97%
Ins Owner Change-0.34%
Market Cap1.60B
Analysts82.5
Price TargetN/A
Short Float %15.66%
Short Ratio2.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)110.4%
Min EPS beat(2)32.19%
Max EPS beat(2)188.62%
EPS beat(4)4
Avg EPS beat(4)1031.21%
Min EPS beat(4)32.19%
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)28.24%
Min Revenue beat(2)26.17%
Max Revenue beat(2)30.31%
Revenue beat(4)4
Avg Revenue beat(4)27.69%
Min Revenue beat(4)26.17%
Max Revenue beat(4)30.31%
Revenue beat(8)7
Avg Revenue beat(8)18.43%
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)0%
PT rev (3m)0.68%
EPS NQ rev (1m)-83.33%
EPS NQ rev (3m)-82.79%
EPS NY rev (1m)-82.47%
EPS NY rev (3m)-82.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.16 | ||
| Fwd PE | 20.96 | ||
| P/S | 5.9 | ||
| P/FCF | 40.54 | ||
| P/OCF | 39.09 | ||
| P/B | 18.2 | ||
| P/tB | 18.72 | ||
| EV/EBITDA | 17.8 |
EPS(TTM)4.65
EY9.85%
EPS(NY)2.25
Fwd EY4.77%
FCF(TTM)1.17
FCFY2.47%
OCF(TTM)1.21
OCFY2.56%
SpS8.01
BVpS2.59
TBVpS2.52
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 26.32% | ||
| ROE | 89.4% | ||
| ROCE | 42.68% | ||
| ROIC | 33.72% | ||
| ROICexc | 54.37% | ||
| ROICexgc | 55.5% | ||
| OM | 30.33% | ||
| PM (TTM) | 28.96% | ||
| GM | 81.06% | ||
| FCFM | 14.55% |
ROA(3y)2.53%
ROA(5y)-8.93%
ROE(3y)-103.08%
ROE(5y)-112.43%
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 3Y9.27%
GM growth 5YN/A
F-Score7
Asset Turnover0.91
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.18 | ||
| Debt/FCF | 2.64 | ||
| Debt/EBITDA | 1.25 | ||
| Cap/Depr | 151.65% | ||
| Cap/Sales | 0.54% | ||
| Interest Coverage | 5.86 | ||
| Cash Conversion | 49.15% | ||
| Profit Quality | 50.22% | ||
| Current Ratio | 2.44 | ||
| Quick Ratio | 2.44 | ||
| Altman-Z | 6.14 |
F-Score7
WACC15.7%
ROIC/WACC2.15
Cap/Depr(3y)143.41%
Cap/Depr(5y)158.17%
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)946.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.25%
EPS Next Y-51.51%
EPS Next 2Y-20.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)70.14%
Revenue growth 3Y33.16%
Revenue growth 5YN/A
Sales Q2Q%100.87%
Revenue Next Year41.86%
Revenue Next 2Y28.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y270.47%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year72.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y245.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y259.2%
OCF growth 3YN/A
OCF growth 5YN/A