SEZZLE INC (1SEZL.MI) Stock Fundamental Analysis
BIT:1SEZL - Euronext Milan - US78435P1057 - Common Stock - Currency: EUR
1SEZL gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 47 industry peers in the Financial Services industry. While 1SEZL has a great health rating, its profitability is only average at the moment. 1SEZL is valued quite expensively, but it does show have an excellent growth rating. These ratings could make 1SEZL a good candidate for growth investing.
1. Profitability
1.1 Basic Checks
In the past year 1SEZL was profitable.
1SEZL had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: 1SEZL reported negative net income in multiple years.
In multiple years 1SEZL reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 35.79%, 1SEZL belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
1SEZL has a better Return On Equity (84.83%) than 98.00% of its industry peers.
1SEZL has a better Return On Invested Capital (45.16%) than 98.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 35.79% | ||
| ROE | 84.83% | ||
| ROIC | 45.16% |
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
With a decent Profit Margin value of 32.42%, 1SEZL is doing good in the industry, outperforming 76.00% of the companies in the same industry.
The Operating Margin of 1SEZL (35.95%) is better than 72.00% of its industry peers.
1SEZL has a better Gross Margin (83.32%) than 76.00% of its industry peers.
In the last couple of years the Gross Margin of 1SEZL has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 35.95% | ||
| PM (TTM) | 32.42% | ||
| GM | 83.32% |
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), 1SEZL is creating value.
The number of shares outstanding for 1SEZL has been reduced compared to 1 year ago.
1SEZL has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, 1SEZL has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 18.18 indicates that 1SEZL is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 18.18, 1SEZL belongs to the top of the industry, outperforming 98.00% of the companies in the same industry.
1SEZL has a debt to FCF ratio of 1.17. This is a very positive value and a sign of high solvency as it would only need 1.17 years to pay back of all of its debts.
1SEZL's Debt to FCF ratio of 1.17 is amongst the best of the industry. 1SEZL outperforms 84.00% of its industry peers.
1SEZL has a Debt/Equity ratio of 0.56. This is a neutral value indicating 1SEZL is somewhat dependend on debt financing.
1SEZL's Debt to Equity ratio of 0.56 is in line compared to the rest of the industry. 1SEZL outperforms 44.00% of its industry peers.
Although 1SEZL 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 | 0.56 | ||
| Debt/FCF | 1.17 | ||
| Altman-Z | 18.18 |
ROIC/WACC4.97
WACC9.08%
2.3 Liquidity
A Current Ratio of 2.62 indicates that 1SEZL has no problem at all paying its short term obligations.
1SEZL has a Current ratio of 2.62. This is amongst the best in the industry. 1SEZL outperforms 82.00% of its industry peers.
1SEZL has a Quick Ratio of 2.62. This indicates that 1SEZL is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 2.62, 1SEZL belongs to the top of the industry, outperforming 84.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.62 | ||
| Quick Ratio | 2.62 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 678.89% over the past year.
The Revenue has grown by 91.69% in the past year. This is a very strong growth!
1SEZL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 76.56% yearly.
EPS 1Y (TTM)678.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-25.37%
Revenue 1Y (TTM)91.69%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%123.32%
3.2 Future
Based on estimates for the next years, 1SEZL will show a very strong growth in Earnings Per Share. The EPS will grow by 25.65% on average per year.
Based on estimates for the next years, 1SEZL will show a very strong growth in Revenue. The Revenue will grow by 45.90% on average per year.
EPS Next Y17.15%
EPS Next 2Y23.58%
EPS Next 3Y25.65%
EPS Next 5YN/A
Revenue Next Year77.26%
Revenue Next 2Y49%
Revenue Next 3Y45.9%
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
With a Price/Earnings ratio of 53.05, 1SEZL can be considered very expensive at the moment.
1SEZL's Price/Earnings ratio is a bit more expensive when compared to the industry. 1SEZL is more expensive than 70.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1SEZL to the average of the S&P500 Index (28.05), we can say 1SEZL is valued expensively.
A Price/Forward Earnings ratio of 30.56 indicates a quite expensive valuation of 1SEZL.
Based on the Price/Forward Earnings ratio, 1SEZL is valued a bit more expensive than the industry average as 66.00% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of 1SEZL to the average of the S&P500 Index (37.67), we can say 1SEZL is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 53.05 | ||
| Fwd PE | 30.56 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, 1SEZL is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
Based on the Price/Free Cash Flow ratio, 1SEZL is valued a bit more expensive than 66.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 73.88 | ||
| EV/EBITDA | 36.8 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1SEZL does not grow enough to justify the current Price/Earnings ratio.
1SEZL has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as 1SEZL's earnings are expected to grow with 25.65% in the coming years.
PEG (NY)3.09
PEG (5Y)N/A
EPS Next 2Y23.58%
EPS Next 3Y25.65%
5. Dividend
5.1 Amount
1SEZL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1SEZL (7/16/2025, 7:00:00 PM)
113
+113 (+Infinity%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners27.52%
Inst Owner ChangeN/A
Ins Owners48.48%
Ins Owner ChangeN/A
Market Cap3.76B
Analysts84.44
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)206.19%
Min EPS beat(2)32.19%
Max EPS beat(2)380.18%
EPS beat(4)4
Avg EPS beat(4)188.94%
Min EPS beat(4)32.19%
Max EPS beat(4)380.18%
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)42.51%
Min Revenue beat(2)26.17%
Max Revenue beat(2)58.85%
Revenue beat(4)4
Avg Revenue beat(4)35.48%
Min Revenue beat(4)26.17%
Max Revenue beat(4)58.85%
Revenue beat(8)8
Avg Revenue beat(8)25.84%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 53.05 | ||
| Fwd PE | 30.56 | ||
| P/S | 13.4 | ||
| P/FCF | 73.88 | ||
| P/OCF | 72.15 | ||
| P/B | 35.07 | ||
| P/tB | 35.75 | ||
| EV/EBITDA | 36.8 |
EPS(TTM)2.13
EY1.88%
EPS(NY)3.7
Fwd EY3.27%
FCF(TTM)1.53
FCFY1.35%
OCF(TTM)1.57
OCFY1.39%
SpS8.43
BVpS3.22
TBVpS3.16
PEG (NY)3.09
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 35.79% | ||
| ROE | 84.83% | ||
| ROCE | 60.21% | ||
| ROIC | 45.16% | ||
| ROICexc | 82.48% | ||
| ROICexgc | 84.36% | ||
| OM | 35.95% | ||
| PM (TTM) | 32.42% | ||
| GM | 83.32% | ||
| FCFM | 18.14% |
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
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 5Y9.49%
F-Score8
Asset Turnover1.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 1.17 | ||
| Debt/EBITDA | 0.59 | ||
| Cap/Depr | 141.5% | ||
| Cap/Sales | 0.44% | ||
| Interest Coverage | 9.03 | ||
| Cash Conversion | 51.23% | ||
| Profit Quality | 55.95% | ||
| Current Ratio | 2.62 | ||
| Quick Ratio | 2.62 | ||
| Altman-Z | 18.18 |
F-Score8
WACC9.08%
ROIC/WACC4.97
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)678.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-25.37%
EPS Next Y17.15%
EPS Next 2Y23.58%
EPS Next 3Y25.65%
EPS Next 5YN/A
Revenue 1Y (TTM)91.69%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%123.32%
Revenue Next Year77.26%
Revenue Next 2Y49%
Revenue Next 3Y45.9%
Revenue Next 5YN/A
EBIT growth 1Y286.43%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year137.6%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1479.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1912.69%
OCF growth 3YN/A
OCF growth 5YN/A