SEZZLE INC (SEZL) Fundamental Analysis & Valuation

NASDAQ:SEZL • US78435P1057

Current stock price

67.03 USD
-1.76 (-2.56%)
Last:

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

8

1. SEZL Profitability Analysis

1.1 Basic Checks

  • SEZL had positive earnings in the past year.
  • In the past year SEZL had a positive cash flow from operations.
  • In multiple years SEZL reported negative net income over the last 5 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 2025 0 50M -50M 100M 150M 200M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 33.26%, SEZL belongs to the top of the industry, outperforming 99.00% of the companies in the same industry.
  • SEZL has a Return On Equity of 78.40%. This is amongst the best in the industry. SEZL outperforms 98.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 46.54%, SEZL belongs to the top of the industry, outperforming 99.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for SEZL is significantly above the industry average of 8.07%.
  • The last Return On Invested Capital (46.54%) for SEZL is well below the 3 year average (51.03%), which needs to be investigated, but indicates that SEZL had better years and this may not be a problem.
Industry RankSector Rank
ROA 33.26%
ROE 78.4%
ROIC 46.54%
ROA(3y)20.97%
ROA(5y)1.44%
ROE(3y)66.64%
ROE(5y)-85.95%
ROIC(3y)51.03%
ROIC(5y)N/A
SEZL Yearly ROA, ROE, ROICSEZL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -100 -200 -300 -400

1.3 Margins

  • SEZL's Profit Margin of 29.57% is amongst the best of the industry. SEZL outperforms 86.00% of its industry peers.
  • SEZL has a Operating Margin of 39.26%. This is amongst the best in the industry. SEZL outperforms 81.00% of its industry peers.
  • With an excellent Gross Margin value of 85.35%, SEZL belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
  • SEZL's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 39.26%
PM (TTM) 29.57%
GM 85.35%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y8.12%
GM growth 5Y6.69%
SEZL Yearly Profit, Operating, Gross MarginsSEZL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -2K -4K -6K

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. SEZL Health Analysis

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 about the same amount of shares outstanding.
  • SEZL has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for SEZL is higher compared to a year ago.
SEZL Yearly Shares OutstandingSEZL Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100M 200M 300M 400M

2.2 Solvency

  • SEZL has an Altman-Z score of 9.27. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of SEZL (9.27) is better than 95.00% of its industry peers.
  • SEZL has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
  • SEZL's Debt to FCF ratio of 0.68 is amongst the best of the industry. SEZL outperforms 85.00% of its industry peers.
  • SEZL has a Debt/Equity ratio of 0.82. This is a neutral value indicating SEZL is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.82, 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 0.82
Debt/FCF 0.68
Altman-Z 9.27
ROIC/WACC5.15
WACC9.04%
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 2025 0 50M -50M 100M 150M 200M

2.3 Liquidity

  • SEZL has a Current Ratio of 3.92. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 3.92, SEZL belongs to the best of the industry, outperforming 87.00% of the companies in the same industry.
  • SEZL has a Quick Ratio of 3.92. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
  • SEZL has a better Quick ratio (3.92) than 87.00% of its industry peers.
Industry RankSector Rank
Current Ratio 3.92
Quick Ratio 3.92
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 2025 100M 200M 300M

More info and screens

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

8

3. SEZL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.19% over the past year.
  • The Revenue has grown by 66.08% in the past year. This is a very strong growth!
  • SEZL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 50.26% yearly.
EPS 1Y (TTM)27.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%72.86%
Revenue 1Y (TTM)66.08%
Revenue growth 3Y53.06%
Revenue growth 5Y50.26%
Sales Q2Q%32.22%

3.2 Future

  • SEZL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.95% yearly.
  • The Revenue is expected to grow by 26.21% on average over the next years. This is a very strong growth
EPS Next Y32.6%
EPS Next 2Y27.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.03%
Revenue Next 2Y26.21%
Revenue Next 3YN/A
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.
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

More info and screens

Find the best growth stocksShow best growing peers

6

4. SEZL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.57, the valuation of SEZL can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of SEZL is on the same level as its industry peers.
  • SEZL is valuated rather cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 14.00, the valuation of SEZL can be described as correct.
  • SEZL's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 22.51. SEZL is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.57
Fwd PE 14
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SEZL is on the same level as its industry peers.
  • Based on the Price/Free Cash Flow ratio, SEZL is valued a bit cheaper than the industry average as 74.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.93
EV/EBITDA 13.14
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.
  • The excellent 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 27.95% in the coming years.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y27.95%
EPS Next 3YN/A

More info and screens

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%

More info and screens

Find the best dividend stocksShow peers with best dividend

SEZL Fundamentals: All Metrics, Ratios and Statistics

SEZZLE INC

NASDAQ:SEZL (3/26/2026, 8:00:02 PM)

67.03

-1.76 (-2.56%)

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 Cap2.27B
Revenue(TTM)450.28M
Net Income(TTM)133.13M
Analysts81.82
Price Target94.45 (40.91%)
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)15.24%
Min EPS beat(2)6.84%
Max EPS beat(2)23.63%
EPS beat(4)4
Avg EPS beat(4)106.82%
Min EPS beat(4)6.84%
Max EPS beat(4)380.18%
EPS beat(8)8
Avg EPS beat(8)569.02%
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)1
Avg Revenue beat(2)4.48%
Min Revenue beat(2)-0.5%
Max Revenue beat(2)9.46%
Revenue beat(4)3
Avg Revenue beat(4)17.44%
Min Revenue beat(4)-0.5%
Max Revenue beat(4)58.85%
Revenue beat(8)7
Avg Revenue beat(8)22.56%
Revenue beat(12)10
Avg Revenue beat(12)18.1%
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)1.92%
EPS NQ rev (3m)1.17%
EPS NY rev (1m)7.13%
EPS NY rev (3m)7.13%
Revenue NQ rev (1m)2.11%
Revenue NQ rev (3m)1.48%
Revenue NY rev (1m)2.15%
Revenue NY rev (3m)1.42%
Valuation
Industry RankSector Rank
PE 18.57
Fwd PE 14
P/S 5.03
P/FCF 10.93
P/OCF 10.79
P/B 13.34
P/tB 13.61
EV/EBITDA 13.14
EPS(TTM)3.61
EY5.39%
EPS(NY)4.79
Fwd EY7.14%
FCF(TTM)6.13
FCFY9.15%
OCF(TTM)6.21
OCFY9.26%
SpS13.32
BVpS5.02
TBVpS4.93
PEG (NY)0.57
PEG (5Y)N/A
Graham Number20.2
Profitability
Industry RankSector Rank
ROA 33.26%
ROE 78.4%
ROCE 56.94%
ROIC 46.54%
ROICexc 58.64%
ROICexgc 59.44%
OM 39.26%
PM (TTM) 29.57%
GM 85.35%
FCFM 46.02%
ROA(3y)20.97%
ROA(5y)1.44%
ROE(3y)66.64%
ROE(5y)-85.95%
ROIC(3y)51.03%
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)62.43%
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 3Y8.12%
GM growth 5Y6.69%
F-Score8
Asset Turnover1.13
Health
Industry RankSector Rank
Debt/Equity 0.82
Debt/FCF 0.68
Debt/EBITDA 0.79
Cap/Depr 198.75%
Cap/Sales 0.6%
Interest Coverage 11.54
Cash Conversion 117.83%
Profit Quality 155.65%
Current Ratio 3.92
Quick Ratio 3.92
Altman-Z 9.27
F-Score8
WACC9.04%
ROIC/WACC5.15
Cap/Depr(3y)170.01%
Cap/Depr(5y)163.73%
Cap/Sales(3y)0.67%
Cap/Sales(5y)0.81%
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)66.08%
Revenue growth 3Y53.06%
Revenue growth 5Y50.26%
Sales Q2Q%32.22%
Revenue Next Year28.03%
Revenue Next 2Y26.21%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y114.95%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year46.59%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y425.44%
FCF growth 3Y202.26%
FCF growth 5YN/A
OCF growth 1Y413.22%
OCF growth 3Y191.07%
OCF growth 5YN/A

SEZZLE INC / SEZL Fundamental Analysis 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 6 / 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 8 / 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 18.57 and the Price/Book (PB) ratio is 13.34.


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

The financial health rating of SEZZLE INC (SEZL) is 9 / 10.