SEZZLE INC (SEZL) Fundamental Analysis & Valuation

NASDAQ:SEZL • US78435P1057

Current stock price

65.51 USD
-2.61 (-3.83%)
At close:
65.0837 USD
-0.43 (-0.65%)
After Hours:

This SEZL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. SEZL Profitability Analysis

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.
  • In multiple years SEZL reported negative operating cash flow during the last 5 years.
SEZL Yearly Net Income VS EBIT VS OCF VS FCFSEZL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M

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.
  • With an excellent Return On Equity value of 74.58%, SEZL belongs to the best of the industry, outperforming 97.96% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 44.06%, SEZL belongs to the top of the industry, outperforming 98.98% of the companies in the same industry.
Industry RankSector 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
SEZL Yearly ROA, ROE, ROICSEZL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300 -400

1.3 Margins

  • SEZL has a better Profit Margin (27.66%) than 81.63% 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 78.57% of the companies in the same industry.
  • Looking at the Gross Margin, with a value of 84.93%, SEZL belongs to the top of the industry, outperforming 89.80% of the companies in the same industry.
  • In the last couple of years the Gross Margin of SEZL has grown nicely.
Industry RankSector 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%
SEZL Yearly Profit, Operating, Gross MarginsSEZL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 -2K -4K -6K

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8

2. SEZL Health Analysis

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SEZL Yearly Shares OutstandingSEZL Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
SEZL Yearly Total Debt VS Total AssetsSEZL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.2 Solvency

  • An Altman-Z score of 9.74 indicates that SEZL is not in any danger for bankruptcy at the moment.
  • SEZL has a better Altman-Z score (9.74) 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.
  • With a decent Debt to FCF ratio value of 2.17, SEZL is doing good in the industry, outperforming 69.39% of the companies in the same industry.
  • A Debt/Equity ratio of 0.76 indicates that SEZL is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.76, SEZL perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • Although SEZL's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.76
Debt/FCF 2.17
Altman-Z 9.74
ROIC/WACC4.93
WACC8.94%
SEZL Yearly LT Debt VS Equity VS FCFSEZL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

2.3 Liquidity

  • A Current Ratio of 3.52 indicates that SEZL has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 3.52, SEZL belongs to the top of the industry, outperforming 84.69% of the companies in the same industry.
  • 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 84.69% of its industry peers.
Industry RankSector Rank
Current Ratio 3.52
Quick Ratio 3.52
SEZL Yearly Current Assets VS Current LiabilitesSEZL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SEZL Growth Analysis

3.1 Past

  • SEZL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.19%, which is quite impressive.
EPS 1Y (TTM)27.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%72.86%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%32.22%

3.2 Future

  • The Earnings Per Share is expected to grow by 27.95% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, SEZL will show a very strong growth in Revenue. The Revenue will grow by 26.26% on average per year.
EPS Next Y32.6%
EPS Next 2Y27.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.59%
Revenue Next 2Y26.26%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

SEZL Yearly Revenue VS EstimatesSEZL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
SEZL Yearly EPS VS EstimatesSEZL Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 -5 -10

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5

4. SEZL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.15, the valuation of SEZL can be described as rather expensive.
  • 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 26.11.
  • SEZL is valuated correctly with a Price/Forward Earnings ratio of 13.69.
  • The rest of the industry has a similar Price/Forward Earnings ratio as SEZL.
  • SEZL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.12.
Industry RankSector Rank
PE 18.15
Fwd PE 13.69
SEZL Price Earnings VS Forward Price EarningsSEZL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 40.94
EV/EBITDA 15.07
SEZL Per share dataSEZL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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.
  • SEZL has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as SEZL's earnings are expected to grow with 27.95% in the coming years.
PEG (NY)0.56
PEG (5Y)N/A
EPS Next 2Y27.95%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. SEZL Dividend Analysis

5.1 Amount

  • No dividends for SEZL!.
Industry RankSector Rank
Dividend Yield 0%

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SEZL Fundamentals: All Metrics, Ratios and Statistics

SEZZLE INC

NASDAQ:SEZL (3/18/2026, 5:40:50 PM)

After market: 65.0837 -0.43 (-0.65%)

65.51

-2.61 (-3.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners39.69%
Inst Owner Change15.68%
Ins Owners47.45%
Ins Owner Change-0.56%
Market Cap2.21B
Revenue(TTM)N/A
Net Income(TTM)115.81M
Analysts81.82
Price Target94.45 (44.18%)
Short Float %27.86%
Short Ratio5.53
Dividend
Industry RankSector 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)-10.31%
PT rev (3m)-14.65%
EPS NQ rev (1m)-2.04%
EPS NQ rev (3m)-1.72%
EPS NY rev (1m)-0.67%
EPS NY rev (3m)-0.63%
Revenue NQ rev (1m)-0.55%
Revenue NQ rev (3m)-0.9%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-0.26%
Valuation
Industry RankSector Rank
PE 18.15
Fwd PE 13.69
P/S 5.29
P/FCF 40.94
P/OCF 39.13
P/B 14.26
P/tB 14.55
EV/EBITDA 15.07
EPS(TTM)3.61
EY5.51%
EPS(NY)4.79
Fwd EY7.31%
FCF(TTM)1.6
FCFY2.44%
OCF(TTM)1.67
OCFY2.56%
SpS12.39
BVpS4.59
TBVpS4.5
PEG (NY)0.56
PEG (5Y)N/A
Graham Number19.32
Profitability
Industry RankSector 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 RankSector 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 9.74
F-Score8
WACC8.94%
ROIC/WACC4.93
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)27.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%72.86%
EPS Next Y32.6%
EPS Next 2Y27.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%32.22%
Revenue Next Year25.59%
Revenue Next 2Y26.26%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y158.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year136.92%
EBIT Next 3Y61.08%
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 Fundamental Analysis FAQ

What is the fundamental rating for SEZL stock?

ChartMill assigns a fundamental rating of 6 / 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 18.15 and the Price/Book (PB) ratio is 14.26.


What is the financial health of SEZZLE INC (SEZL) stock?

The financial health rating of SEZZLE INC (SEZL) is 8 / 10.