61.12 USD
-1.89 (-3%)
At close: Feb 4, 2026
63.5 USD
+2.38 (+3.89%)
After Hours: 2/4/2026, 7:51:14 PM
Taking everything into account, SEZL scores 7 out of 10 in our fundamental rating. SEZL was compared to 97 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! These ratings could make SEZL a good candidate 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 98.97% of its industry peers.
- The Return On Equity of SEZL (74.58%) is better than 96.91% of its industry peers.
- With an excellent Return On Invested Capital value of 44.06%, SEZL belongs to the best of the industry, outperforming 98.97% 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
- SEZL's Profit Margin of 27.66% is amongst the best of the industry. SEZL outperforms 82.47% of its industry peers.
- SEZL has a Operating Margin of 36.41%. This is in the better half of the industry: SEZL outperforms 77.32% of its industry peers.
- Looking at the Gross Margin, with a value of 84.93%, SEZL belongs to the top of the industry, outperforming 88.66% 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 | 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.
- The number of shares outstanding for SEZL has been reduced compared to 1 year ago.
- 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
- SEZL has an Altman-Z score of 9.31. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
- With an excellent Altman-Z score value of 9.31, SEZL belongs to the best of the industry, outperforming 93.81% of the companies in the same industry.
- 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.
- The Debt to FCF ratio of SEZL (2.17) is better than 72.16% 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.
- With a Debt to Equity ratio value of 0.76, SEZL perfoms like the industry average, outperforming 51.55% 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 | 9.31 |
ROIC/WACC4.88
WACC9.02%
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.
- SEZL has a better Current ratio (3.52) than 86.60% 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.
- With an excellent Quick ratio value of 3.52, SEZL belongs to the best of the industry, outperforming 87.63% of the companies in the same industry.
| 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.
- SEZL shows a strong growth in Revenue. In the last year, 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 25.18% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 43.63% on average over the next years. This is a very strong growth
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 19.72 indicates a rather expensive valuation of SEZL.
- The rest of the industry has a similar Price/Earnings ratio as SEZL.
- The average S&P500 Price/Earnings ratio is at 28.25. SEZL is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 13.68 indicates a correct valuation of SEZL.
- The rest of the industry has a similar Price/Forward Earnings ratio as SEZL.
- When comparing the Price/Forward Earnings ratio of SEZL to the average of the S&P500 Index (27.50), we can say SEZL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.72 | ||
| Fwd PE | 13.68 |
4.2 Price Multiples
- SEZL's Enterprise Value to EBITDA ratio is in line with the industry average.
- SEZL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.6 | ||
| EV/EBITDA | 14.09 |
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.
- 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 25.18% in the coming years.
PEG (NY)0.92
PEG (5Y)N/A
EPS Next 2Y25.47%
EPS Next 3Y25.18%
5. Dividend
5.1 Amount
- No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
61.12
-1.89 (-3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners30.7%
Inst Owner Change2.97%
Ins Owners47%
Ins Owner Change-0.53%
Market Cap2.09B
Revenue(TTM)418.63M
Net Income(TTM)115.81M
Analysts82
Price Target105.32 (72.32%)
Short Float %27.26%
Short Ratio5.32
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)-4.84%
PT rev (3m)-14.14%
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)8.38%
EPS NY rev (1m)0.04%
EPS NY rev (3m)3.54%
Revenue NQ rev (1m)-0.35%
Revenue NQ rev (3m)-3.07%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)1.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.72 | ||
| Fwd PE | 13.68 | ||
| P/S | 4.99 | ||
| P/FCF | 38.6 | ||
| P/OCF | 36.88 | ||
| P/B | 13.44 | ||
| P/tB | 13.72 | ||
| EV/EBITDA | 14.09 |
EPS(TTM)3.1
EY5.07%
EPS(NY)4.47
Fwd EY7.31%
FCF(TTM)1.58
FCFY2.59%
OCF(TTM)1.66
OCFY2.71%
SpS12.26
BVpS4.55
TBVpS4.46
PEG (NY)0.92
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 | 9.31 |
F-Score8
WACC9.02%
ROIC/WACC4.88
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 19.72 and the Price/Book (PB) ratio is 13.44.
What is the financial health of SEZZLE INC (SEZL) stock?
The financial health rating of SEZZLE INC (SEZL) is 9 / 10.