SEZZLE INC (1SEZL.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:1SEZL • US78435P1057
65.2 EUR
+6.2 (+10.51%)
Last: Jan 12, 2026, 07:00 PM
We assign a fundamental rating of 6 out of 10 to 1SEZL. 1SEZL was compared to 55 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. With these ratings, 1SEZL could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
- In the past year 1SEZL was profitable.
- In the past year 1SEZL had a positive cash flow from operations.
- The reported net income has been mixed in the past 5 years: 1SEZL reported negative net income in multiple years.
- The reported operating cash flow has been mixed in the past 5 years: 1SEZL reported negative operating cash flow in multiple years.
1.2 Ratios
- 1SEZL has a better Return On Assets (31.56%) than 100.00% of its industry peers.
- With an excellent Return On Equity value of 74.58%, 1SEZL belongs to the best of the industry, outperforming 96.72% of the companies in the same industry.
- 1SEZL's Return On Invested Capital of 41.83% is amongst the best of the industry. 1SEZL outperforms 96.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 31.56% | ||
| ROE | 74.58% | ||
| ROIC | 41.83% |
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 has a Profit Margin of 27.66%. This is amongst the best in the industry. 1SEZL outperforms 81.97% of its industry peers.
- 1SEZL's Operating Margin of 36.41% is amongst the best of the industry. 1SEZL outperforms 80.33% of its industry peers.
- 1SEZL's Gross Margin of 84.93% is amongst the best of the industry. 1SEZL outperforms 85.25% of its industry peers.
- 1SEZL's Gross Margin has improved in the last couple of years.
| 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
- 1SEZL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- 1SEZL has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, 1SEZL has less shares outstanding
- The debt/assets ratio for 1SEZL has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 10.62 indicates that 1SEZL is not in any danger for bankruptcy at the moment.
- With an excellent Altman-Z score value of 10.62, 1SEZL belongs to the best of the industry, outperforming 95.08% of the companies in the same industry.
- 1SEZL has a debt to FCF ratio of 2.17. This is a good value and a sign of high solvency as 1SEZL would need 2.17 years to pay back of all of its debts.
- 1SEZL's Debt to FCF ratio of 2.17 is fine compared to the rest of the industry. 1SEZL outperforms 75.41% of its industry peers.
- 1SEZL has a Debt/Equity ratio of 0.76. This is a neutral value indicating 1SEZL is somewhat dependend on debt financing.
- 1SEZL's Debt to Equity ratio of 0.76 is in line compared to the rest of the industry. 1SEZL outperforms 42.62% 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 | 0.76 | ||
| Debt/FCF | 2.17 | ||
| Altman-Z | 10.62 |
ROIC/WACC4.67
WACC8.95%
2.3 Liquidity
- 1SEZL has a Current Ratio of 3.52. This indicates that 1SEZL is financially healthy and has no problem in meeting its short term obligations.
- 1SEZL has a Current ratio of 3.52. This is amongst the best in the industry. 1SEZL outperforms 81.97% of its industry peers.
- 1SEZL has a Quick Ratio of 3.52. This indicates that 1SEZL is financially healthy and has no problem in meeting its short term obligations.
- 1SEZL's Quick ratio of 3.52 is amongst the best of the industry. 1SEZL outperforms 83.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.52 | ||
| Quick Ratio | 3.52 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.05% over the past year.
- 1SEZL shows a strong growth in Revenue. In the last year, the Revenue has grown by 88.74%.
- The Revenue has been growing by 76.56% on average over the past years. This is a very strong growth!
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
- Based on estimates for the next years, 1SEZL will show a very strong growth in Earnings Per Share. The EPS will grow by 25.18% 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 43.63% on average per year.
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
- 1SEZL is valuated rather expensively with a Price/Earnings ratio of 24.70.
- The rest of the industry has a similar Price/Earnings ratio as 1SEZL.
- 1SEZL is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 17.13, which indicates a rather expensive current valuation of 1SEZL.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SEZL is on the same level as its industry peers.
- 1SEZL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.7 | ||
| Fwd PE | 17.13 |
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 67.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 48.34 | ||
| EV/EBITDA | 17.1 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- The decent profitability rating of 1SEZL may justify a higher PE ratio.
- 1SEZL's earnings are expected to grow with 25.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.15
PEG (5Y)N/A
EPS Next 2Y25.47%
EPS Next 3Y25.18%
5. Dividend
5.1 Amount
- No dividends for 1SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
BIT:1SEZL (1/12/2026, 7:00:00 PM)
65.2
+6.2 (+10.51%)
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 ChangeN/A
Ins Owners47%
Ins Owner ChangeN/A
Market Cap2.23B
Revenue(TTM)418.63M
Net Income(TTM)115.81M
Analysts82
Price Target93.53 (43.45%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)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)0.19%
PT rev (3m)N/A
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)7.17%
EPS NY rev (1m)0.04%
EPS NY rev (3m)3.32%
Revenue NQ rev (1m)-0.35%
Revenue NQ rev (3m)-4.64%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)1.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.7 | ||
| Fwd PE | 17.13 | ||
| P/S | 6.25 | ||
| P/FCF | 48.34 | ||
| P/OCF | 46.2 | ||
| P/B | 16.84 | ||
| P/tB | 17.18 | ||
| EV/EBITDA | 17.1 |
EPS(TTM)2.64
EY4.05%
EPS(NY)3.81
Fwd EY5.84%
FCF(TTM)1.35
FCFY2.07%
OCF(TTM)1.41
OCFY2.16%
SpS10.44
BVpS3.87
TBVpS3.8
PEG (NY)1.15
PEG (5Y)N/A
Graham Number15.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 31.56% | ||
| ROE | 74.58% | ||
| ROCE | 55.77% | ||
| ROIC | 41.83% | ||
| ROICexc | 67.58% | ||
| ROICexgc | 68.84% | ||
| 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 | 10.62 |
F-Score8
WACC8.95%
ROIC/WACC4.67
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 / 1SEZL.MI FAQ
What is the fundamental rating for 1SEZL stock?
ChartMill assigns a fundamental rating of 6 / 10 to 1SEZL.MI.
What is the valuation status of SEZZLE INC (1SEZL.MI) stock?
ChartMill assigns a valuation rating of 3 / 10 to SEZZLE INC (1SEZL.MI). This can be considered as Overvalued.
How profitable is SEZZLE INC (1SEZL.MI) stock?
SEZZLE INC (1SEZL.MI) has a profitability rating of 6 / 10.
What is the financial health of SEZZLE INC (1SEZL.MI) stock?
The financial health rating of SEZZLE INC (1SEZL.MI) is 9 / 10.