SEZZLE INC (SEZL) Stock Fundamental Analysis

NASDAQ:SEZL • US78435P1057

72.95 USD
-11.75 (-13.87%)
At close: Feb 27, 2026
73 USD
+0.05 (+0.07%)
After Hours: 2/27/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Overall SEZL gets a fundamental rating of 6 out of 10. We evaluated SEZL against 97 industry peers in the Financial Services industry. SEZL has an excellent financial health rating, but there are some minor concerns on its profitability. SEZL is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year SEZL was profitable.
  • 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.
SEZL Yearly Net Income VS EBIT VS OCF VS FCFSEZL 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%, SEZL belongs to the best of the industry, outperforming 98.98% of the companies in the same industry.
  • SEZL has a Return On Equity of 74.58%. This is amongst the best in the industry. SEZL outperforms 97.96% of its industry peers.
  • The Return On Invested Capital of SEZL (44.06%) is better than 98.98% of its industry peers.
Industry RankSector Rank
ROA 31.56%
ROE 74.58%
ROIC 44.06%
ROA(3y)2.53%
ROA(5y)-8.93%
ROE(3y)-103.09%
ROE(5y)-112.44%
ROIC(3y)N/A
ROIC(5y)N/A
SEZL Yearly ROA, ROE, ROICSEZL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300 -400

1.3 Margins

  • The Profit Margin of SEZL (27.66%) is better than 81.63% of its industry peers.
  • SEZL has a Operating Margin of 36.41%. This is in the better half of the industry: SEZL outperforms 78.57% of its industry peers.
  • SEZL has a Gross Margin of 84.93%. This is amongst the best in the industry. SEZL outperforms 89.80% of its industry peers.
  • In the last couple of years the Gross Margin of SEZL 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%
SEZL Yearly Profit, Operating, Gross MarginsSEZL 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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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. Health

2.1 Basic Checks

  • SEZL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • SEZL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SEZL Yearly Shares OutstandingSEZL Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
SEZL Yearly Total Debt VS Total AssetsSEZL 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

  • SEZL has an Altman-Z score of 10.27. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 10.27, SEZL belongs to the top of the industry, outperforming 93.88% of the companies in the same industry.
  • SEZL has a debt to FCF ratio of 2.17. This is a good value and a sign of high solvency as SEZL would need 2.17 years to pay back of all of its debts.
  • SEZL has a Debt to FCF ratio of 2.17. This is in the better half of the industry: SEZL outperforms 70.41% of its industry peers.
  • A Debt/Equity ratio of 0.76 indicates that SEZL is somewhat dependend on debt financing.
  • SEZL has a Debt to Equity ratio (0.76) which 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 RankSector Rank
Debt/Equity 0.76
Debt/FCF 2.17
Altman-Z 10.27
ROIC/WACC5.06
WACC8.71%
SEZL Yearly LT Debt VS Equity VS FCFSEZL 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

  • SEZL has a Current Ratio of 3.52. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
  • SEZL has a Current ratio of 3.52. This is amongst the best in the industry. SEZL outperforms 86.73% of its industry peers.
  • SEZL has a Quick Ratio of 3.52. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
  • SEZL has a Quick ratio of 3.52. This is amongst the best in the industry. SEZL outperforms 86.73% of its industry peers.
Industry RankSector Rank
Current Ratio 3.52
Quick Ratio 3.52
SEZL Yearly Current Assets VS Current LiabilitesSEZL 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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.19% over the past year.
EPS 1Y (TTM)27.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%72.86%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%32.22%

3.2 Future

  • The Earnings Per Share is expected to grow by 24.19% on average over the next years. This is a very strong growth
  • SEZL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 27.04% yearly.
EPS Next Y23.78%
EPS Next 2Y24.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.34%
Revenue Next 2Y27.04%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

SEZL Yearly Revenue VS EstimatesSEZL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
SEZL Yearly EPS VS EstimatesSEZL Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 -5 -10

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 20.21 indicates a rather expensive valuation of SEZL.
  • SEZL's Price/Earnings is on the same level as the industry average.
  • SEZL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.07.
  • SEZL is valuated correctly with a Price/Forward Earnings ratio of 16.33.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SEZL is on the same level as its industry peers.
  • SEZL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 20.21
Fwd PE 16.33
SEZL Price Earnings VS Forward Price EarningsSEZL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SEZL is on the same level as its industry peers.
  • SEZL's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 46.07
EV/EBITDA 16.3
SEZL Per share dataSEZL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • SEZL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of SEZL may justify a higher PE ratio.
  • A more expensive valuation may be justified as SEZL's earnings are expected to grow with 24.19% in the coming years.
PEG (NY)0.85
PEG (5Y)N/A
EPS Next 2Y24.19%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

SEZZLE INC

NASDAQ:SEZL (2/27/2026, 8:00:02 PM)

After market: 73 +0.05 (+0.07%)

72.95

-11.75 (-13.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners30.7%
Inst Owner Change15.68%
Ins Owners47%
Ins Owner Change-0.44%
Market Cap2.49B
Revenue(TTM)N/A
Net Income(TTM)115.81M
Analysts82
Price Target94.45 (29.47%)
Short Float %25.94%
Short Ratio5.07
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)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)-10.31%
PT rev (3m)-14.65%
EPS NQ rev (1m)-2.04%
EPS NQ rev (3m)-1.72%
EPS NY rev (1m)0%
EPS NY rev (3m)3.54%
Revenue NQ rev (1m)-0.55%
Revenue NQ rev (3m)-0.9%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)1.75%
Valuation
Industry RankSector Rank
PE 20.21
Fwd PE 16.33
P/S 5.95
P/FCF 46.07
P/OCF 44.02
P/B 16.04
P/tB 16.37
EV/EBITDA 16.3
EPS(TTM)3.61
EY4.95%
EPS(NY)4.47
Fwd EY6.13%
FCF(TTM)1.58
FCFY2.17%
OCF(TTM)1.66
OCFY2.27%
SpS12.26
BVpS4.55
TBVpS4.46
PEG (NY)0.85
PEG (5Y)N/A
Graham Number19.22
Profitability
Industry RankSector Rank
ROA 31.56%
ROE 74.58%
ROCE 55.77%
ROIC 44.06%
ROICexc 71.18%
ROICexgc 72.51%
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 10.27
F-Score8
WACC8.71%
ROIC/WACC5.06
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)27.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%72.86%
EPS Next Y23.78%
EPS Next 2Y24.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%32.22%
Revenue Next Year25.34%
Revenue Next 2Y27.04%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y158.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year136.92%
EBIT Next 3Y59.12%
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 / SEZL FAQ

What is the fundamental rating for SEZL stock?

ChartMill assigns a fundamental rating of 5 / 10 to SEZL.


What is the valuation status of SEZZLE INC (SEZL) stock?

ChartMill assigns a valuation rating of 4 / 10 to SEZZLE INC (SEZL). This can be considered as Fairly Valued.


What is the profitability of SEZL stock?

SEZZLE INC (SEZL) has a profitability rating of 6 / 10.


What is the valuation of SEZZLE INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SEZZLE INC (SEZL) is 20.21 and the Price/Book (PB) ratio is 16.04.


What is the financial health of SEZZLE INC (SEZL) stock?

The financial health rating of SEZZLE INC (SEZL) is 8 / 10.