SEZZLE INC (1SEZL.MI) Fundamental Analysis & Valuation

BIT:1SEZL • US78435P1057

Current stock price

65.2 EUR
+6.2 (+10.51%)
Last:

This 1SEZL.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. 1SEZL.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1SEZL was profitable.
  • 1SEZL had a positive operating cash flow in the past year.
  • In multiple years 1SEZL reported negative net income over the last 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: 1SEZL reported negative operating cash flow in multiple years.
1SEZL.MI Yearly Net Income VS EBIT VS OCF VS FCF1SEZL.MI 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

  • With an excellent Return On Assets value of 31.56%, 1SEZL belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 74.58%, 1SEZL belongs to the top of the industry, outperforming 96.72% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 41.83%, 1SEZL belongs to the top of the industry, outperforming 96.72% of the companies in the same industry.
Industry RankSector 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
1SEZL.MI Yearly ROA, ROE, ROIC1SEZL.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300 -400

1.3 Margins

  • Looking at the Profit Margin, with a value of 27.66%, 1SEZL belongs to the top of the industry, outperforming 81.97% of the companies in the same industry.
  • With an excellent Operating Margin value of 36.41%, 1SEZL belongs to the best of the industry, outperforming 80.33% of the companies in the same industry.
  • 1SEZL has a better Gross Margin (84.93%) than 85.25% of its industry peers.
  • In the last couple of years the Gross Margin of 1SEZL 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%
1SEZL.MI Yearly Profit, Operating, Gross Margins1SEZL.MI 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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9

2. 1SEZL.MI Health Analysis

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.
  • Compared to 5 years ago, 1SEZL has less shares outstanding
  • The debt/assets ratio for 1SEZL has been reduced compared to a year ago.
1SEZL.MI Yearly Shares Outstanding1SEZL.MI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
1SEZL.MI Yearly Total Debt VS Total Assets1SEZL.MI 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 10.62 indicates that 1SEZL is not in any danger for bankruptcy at the moment.
  • 1SEZL has a better Altman-Z score (10.62) than 95.08% of its industry peers.
  • The Debt to FCF ratio of 1SEZL is 2.17, which is a good value as it means it would take 1SEZL, 2.17 years of fcf income to pay off 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'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 10.62
ROIC/WACC4.67
WACC8.95%
1SEZL.MI Yearly LT Debt VS Equity VS FCF1SEZL.MI 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 1SEZL has no problem at all paying its short term obligations.
  • 1SEZL has a better Current ratio (3.52) than 81.97% of its industry peers.
  • A Quick Ratio of 3.52 indicates that 1SEZL has no problem at all paying its short term obligations.
  • With an excellent Quick ratio value of 3.52, 1SEZL belongs to the best of the industry, outperforming 83.61% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.52
Quick Ratio 3.52
1SEZL.MI Yearly Current Assets VS Current Liabilites1SEZL.MI 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

8

3. 1SEZL.MI Growth Analysis

3.1 Past

  • 1SEZL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.05%, which is quite good.
  • Looking at the last year, 1SEZL shows a very strong growth in Revenue. 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

  • The Earnings Per Share is expected to grow by 25.18% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 43.63% on average over the next years. This is a very strong growth
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.
1SEZL.MI Yearly Revenue VS Estimates1SEZL.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
1SEZL.MI Yearly EPS VS Estimates1SEZL.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 -5 -10

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3

4. 1SEZL.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 24.70, the valuation of 1SEZL can be described as rather expensive.
  • 1SEZL's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 25.61, 1SEZL is valued at the same level.
  • The Price/Forward Earnings ratio is 17.13, which indicates a rather expensive current valuation of 1SEZL.
  • 1SEZL's Price/Forward Earnings is on the same level as the industry average.
  • 1SEZL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.79, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 24.7
Fwd PE 17.13
1SEZL.MI Price Earnings VS Forward Price Earnings1SEZL.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 1SEZL's Enterprise Value to EBITDA is on the same level as the industry average.
  • Based on the Price/Free Cash Flow ratio, 1SEZL is valued a bit more expensive than 67.21% of the companies in the same industry.
Industry RankSector Rank
P/FCF 48.34
EV/EBITDA 17.1
1SEZL.MI Per share data1SEZL.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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.
  • A more expensive valuation may be justified as 1SEZL's earnings are expected to grow with 25.18% in the coming years.
PEG (NY)1.15
PEG (5Y)N/A
EPS Next 2Y25.47%
EPS Next 3Y25.18%

More info and screens

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

0

5. 1SEZL.MI Dividend Analysis

5.1 Amount

  • 1SEZL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

1SEZL.MI Fundamentals: All Metrics, Ratios and Statistics

SEZZLE INC

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
Earnings (Next)02-23
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 RankSector 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 RankSector 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 RankSector 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 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 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 Fundamental Analysis 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.