SEZZLE INC (1SEZL.MI) Stock Fundamental Analysis
BIT:1SEZL - Euronext Milan - US78435P1057 - Common Stock - Currency: EUR
We assign a fundamental rating of 7 out of 10 to 1SEZL. 1SEZL was compared to 50 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 expensive, but it does show an excellent growth. These ratings would make 1SEZL suitable for growth investing!
1. Profitability
1.1 Basic Checks
1SEZL had positive earnings in the past year.
In the past year 1SEZL had a positive cash flow from operations.
In multiple years 1SEZL reported negative net income over the last 5 years.
In multiple years 1SEZL reported negative operating cash flow during the last 5 years.
1.2 Ratios
1SEZL has a Return On Assets of 35.79%. This is amongst the best in the industry. 1SEZL outperforms 100.00% of its industry peers.
The Return On Equity of 1SEZL (84.83%) is better than 98.00% of its industry peers.
With an excellent Return On Invested Capital value of 45.16%, 1SEZL belongs to the best of the industry, outperforming 98.00% of the companies in the same industry.
| 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
1SEZL's Profit Margin of 32.42% is fine compared to the rest of the industry. 1SEZL outperforms 80.00% of its industry peers.
Looking at the Operating Margin, with a value of 35.95%, 1SEZL is in the better half of the industry, outperforming 74.00% of the companies in the same industry.
1SEZL has a better Gross Margin (83.32%) than 78.00% 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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 1SEZL is creating value.
The number of shares outstanding for 1SEZL has been reduced compared to 1 year ago.
The number of shares outstanding for 1SEZL has been reduced compared to 5 years ago.
1SEZL has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 13.95 indicates that 1SEZL is not in any danger for bankruptcy at the moment.
1SEZL has a Altman-Z score of 13.95. This is amongst the best in the industry. 1SEZL outperforms 96.00% of its industry peers.
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.
With an excellent Debt to FCF ratio value of 1.17, 1SEZL belongs to the best of the industry, outperforming 84.00% of the companies in the same industry.
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 48.00% 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 | 13.95 |
ROIC/WACC5.02
WACC9%
2.3 Liquidity
1SEZL has a Current Ratio of 2.62. This indicates that 1SEZL is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current 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.
A Quick Ratio of 2.62 indicates that 1SEZL has no problem at all paying its short term obligations.
1SEZL's Quick ratio of 2.62 is amongst the best of the industry. 1SEZL outperforms 86.00% of its industry peers.
| 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 942.86% over the past year.
The Revenue has grown by 70.14% in the past year. This is a very strong growth!
Measured over the past years, 1SEZL shows a very strong growth in Revenue. The Revenue has been growing by 76.56% on average per year.
EPS 1Y (TTM)942.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%90.78%
Revenue 1Y (TTM)70.14%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%76.35%
3.2 Future
The Earnings Per Share is expected to grow by 25.65% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 45.90% on average over the next years. This is a very strong growth
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
1SEZL is valuated quite expensively with a Price/Earnings ratio of 33.91.
1SEZL's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of 1SEZL to the average of the S&P500 Index (26.86), we can say 1SEZL is valued slightly more expensively.
Based on the Price/Forward Earnings ratio of 22.15, the valuation of 1SEZL can be described as rather expensive.
The rest of the industry has a similar Price/Forward Earnings ratio as 1SEZL.
1SEZL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 34.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.91 | ||
| Fwd PE | 22.15 |
4.2 Price Multiples
1SEZL's Enterprise Value to EBITDA ratio is in line with the industry average.
1SEZL's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. 1SEZL is more expensive than 62.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 53.54 | ||
| EV/EBITDA | 26.63 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
1SEZL has a very decent profitability rating, which may justify a higher PE ratio.
1SEZL's earnings are expected to grow with 25.65% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.98
PEG (5Y)N/A
EPS Next 2Y23.58%
EPS Next 3Y25.65%
5. Dividend
5.1 Amount
No dividends for 1SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1SEZL (8/11/2025, 7:00:00 PM)
82.4
-55.6 (-40.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners27.65%
Inst Owner ChangeN/A
Ins Owners48.44%
Ins Owner ChangeN/A
Market Cap2.74B
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 | 33.91 | ||
| Fwd PE | 22.15 | ||
| P/S | 9.71 | ||
| P/FCF | 53.54 | ||
| P/OCF | 52.29 | ||
| P/B | 25.41 | ||
| P/tB | 25.91 | ||
| EV/EBITDA | 26.63 |
EPS(TTM)2.43
EY2.95%
EPS(NY)3.72
Fwd EY4.52%
FCF(TTM)1.54
FCFY1.87%
OCF(TTM)1.58
OCFY1.91%
SpS8.48
BVpS3.24
TBVpS3.18
PEG (NY)1.98
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 | 13.95 |
F-Score8
WACC9%
ROIC/WACC5.02
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)942.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%90.78%
EPS Next Y17.15%
EPS Next 2Y23.58%
EPS Next 3Y25.65%
EPS Next 5YN/A
Revenue 1Y (TTM)70.14%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%76.35%
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 Year138.73%
EBIT Next 3Y61.56%
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