SEZZLE INC (SEZL) Stock Fundamental Analysis
NASDAQ:SEZL - Nasdaq - US78435P1057 - Common Stock - Currency: USD
SEZL gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 100 industry peers in the Financial Services industry. SEZL is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. SEZL shows excellent growth, but is valued quite expensive already. With these ratings, SEZL could be worth investigating further for growth investing!.
1. Profitability
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 35.79%, SEZL belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
SEZL has a Return On Equity of 84.83%. This is amongst the best in the industry. SEZL outperforms 98.00% of its industry peers.
With an excellent Return On Invested Capital value of 47.57%, SEZL belongs to the best of the industry, outperforming 99.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 35.79% | ||
| ROE | 84.83% | ||
| ROIC | 47.57% |
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
SEZL's Profit Margin of 32.42% is amongst the best of the industry. SEZL outperforms 84.00% of its industry peers.
Looking at the Operating Margin, with a value of 35.95%, SEZL is in the better half of the industry, outperforming 77.00% of the companies in the same industry.
With an excellent Gross Margin value of 83.32%, SEZL belongs to the best of the industry, outperforming 89.00% of the companies in the same industry.
In the last couple of years the Gross Margin of SEZL 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), SEZL is creating value.
SEZL has less shares outstanding than it did 1 year ago.
SEZL has less shares outstanding than it did 5 years ago.
SEZL has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 22.00 indicates that SEZL is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 22.00, SEZL belongs to the top of the industry, outperforming 96.00% of the companies in the same industry.
SEZL 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.
Looking at the Debt to FCF ratio, with a value of 1.17, SEZL belongs to the top of the industry, outperforming 82.00% of the companies in the same industry.
A Debt/Equity ratio of 0.56 indicates that SEZL is somewhat dependend on debt financing.
The Debt to Equity ratio of SEZL (0.56) is comparable to the rest of the industry.
Although SEZL 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 | 22 |
ROIC/WACC5.3
WACC8.97%
2.3 Liquidity
A Current Ratio of 2.62 indicates that SEZL has no problem at all paying its short term obligations.
SEZL has a better Current ratio (2.62) than 80.00% of its industry peers.
A Quick Ratio of 2.62 indicates that SEZL has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.62, SEZL belongs to the top of the industry, outperforming 81.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.62 | ||
| Quick Ratio | 2.62 |
3. Growth
3.1 Past
SEZL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 678.89%, which is quite impressive.
Looking at the last year, SEZL shows a very strong growth in Revenue. The Revenue has grown by 91.69%.
The Revenue has been growing by 76.56% on average over the past years. This is a very strong growth!
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%123.31%
3.2 Future
SEZL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.65% yearly.
The Revenue is expected to grow by 45.90% on average over the next years. This is a very strong growth
EPS Next Y17.51%
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
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
SEZL is valuated quite expensively with a Price/Earnings ratio of 66.16.
SEZL's Price/Earnings ratio is a bit more expensive when compared to the industry. SEZL is more expensive than 79.00% of the companies in the same industry.
SEZL is valuated expensively when we compare the Price/Earnings ratio to 26.98, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 38.15, SEZL can be considered very expensive at the moment.
SEZL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SEZL is more expensive than 76.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.49. SEZL is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.16 | ||
| Fwd PE | 38.15 |
4.2 Price Multiples
64.00% of the companies in the same industry are cheaper than SEZL, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SEZL is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 92.24 | ||
| EV/EBITDA | 45.99 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SEZL does not grow enough to justify the current Price/Earnings ratio.
SEZL has a very decent profitability rating, which may justify a higher PE ratio.
SEZL's earnings are expected to grow with 25.65% in the coming years. This may justify a more expensive valuation.
PEG (NY)3.78
PEG (5Y)N/A
EPS Next 2Y23.58%
EPS Next 3Y25.65%
5. Dividend
5.1 Amount
No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
165.4
+1.24 (+0.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners27.52%
Inst Owner Change644.65%
Ins Owners48.48%
Ins Owner Change-1.5%
Market Cap5.51B
Analysts82.5
Price Target118.66 (-28.26%)
Short Float %19.09%
Short Ratio2.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)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)89.16%
PT rev (3m)-68.43%
EPS NQ rev (1m)3.24%
EPS NQ rev (3m)-75.85%
EPS NY rev (1m)153.49%
EPS NY rev (3m)-75.33%
Revenue NQ rev (1m)1.7%
Revenue NQ rev (3m)25.16%
Revenue NY rev (1m)24.95%
Revenue NY rev (3m)24.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.16 | ||
| Fwd PE | 38.15 | ||
| P/S | 16.73 | ||
| P/FCF | 92.24 | ||
| P/OCF | 90.08 | ||
| P/B | 43.78 | ||
| P/tB | 44.64 | ||
| EV/EBITDA | 45.99 |
EPS(TTM)2.5
EY1.51%
EPS(NY)4.34
Fwd EY2.62%
FCF(TTM)1.79
FCFY1.08%
OCF(TTM)1.84
OCFY1.11%
SpS9.88
BVpS3.78
TBVpS3.71
PEG (NY)3.78
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 35.79% | ||
| ROE | 84.83% | ||
| ROCE | 60.21% | ||
| ROIC | 47.57% | ||
| ROICexc | 86.87% | ||
| ROICexgc | 88.86% | ||
| 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 | 22 |
F-Score8
WACC8.97%
ROIC/WACC5.3
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 Y17.51%
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%123.31%
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