SEZZLE INC (SEZL) Stock Fundamental Analysis
NASDAQ:SEZL - Nasdaq - US78435P1057 - Common Stock - Currency: USD
We assign a fundamental rating of 6 out of 10 to SEZL. SEZL was compared to 99 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 is valued quite expensive, but it does show an excellent growth. With these ratings, SEZL could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
In the past year SEZL was profitable.
SEZL had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: SEZL reported negative net income in multiple years.
In multiple years SEZL reported negative operating cash flow during the last 5 years.
1.2 Ratios
SEZL's Return On Assets of 35.79% is amongst the best of the industry. SEZL outperforms 100.00% of its industry peers.
Looking at the Return On Equity, with a value of 84.83%, SEZL belongs to the top of the industry, outperforming 98.00% of the companies in the same industry.
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
With an excellent Profit Margin value of 32.42%, SEZL belongs to the best of the industry, outperforming 84.00% of the companies in the same industry.
SEZL's Operating Margin of 35.95% is fine compared to the rest of the industry. SEZL outperforms 77.00% of its industry peers.
The Gross Margin of SEZL (83.32%) is better than 90.00% of its industry peers.
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.
Compared to 5 years ago, SEZL has less shares outstanding
The debt/assets ratio for SEZL has been reduced compared to a year ago.
2.2 Solvency
SEZL has an Altman-Z score of 15.19. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 15.19, SEZL belongs to the best of the industry, outperforming 95.00% 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.
SEZL has a better Debt to FCF ratio (1.17) than 82.00% of its industry peers.
A Debt/Equity ratio of 0.56 indicates that SEZL is somewhat dependend on debt financing.
SEZL has a Debt to Equity ratio (0.56) which is in line with its industry peers.
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 | 15.19 |
ROIC/WACC5.22
WACC9.11%
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.
SEZL has a Quick Ratio of 2.62. This indicates that SEZL is financially healthy and has no problem in meeting 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
Based on estimates for the next years, SEZL will show a decrease in Earnings Per Share. The EPS will decrease by -4.74% on average per year.
SEZL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 45.79% yearly.
EPS Next Y-53.64%
EPS Next 2Y-4.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year41.86%
Revenue Next 2Y45.79%
Revenue Next 3YN/A
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
The Price/Earnings ratio is 42.68, which means the current valuation is very expensive for SEZL.
76.00% of the companies in the same industry are cheaper than SEZL, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.25, SEZL is valued quite expensively.
With a Price/Forward Earnings ratio of 41.43, SEZL can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SEZL indicates a slightly more expensive valuation: SEZL is more expensive than 75.00% of the companies listed in the same industry.
SEZL is valuated expensively when we compare the Price/Forward Earnings ratio to 22.15, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.68 | ||
| Fwd PE | 41.43 |
4.2 Price Multiples
SEZL's Enterprise Value to EBITDA ratio is in line with the industry average.
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 | 59.51 | ||
| EV/EBITDA | 29.61 |
4.3 Compensation for Growth
The decent profitability rating of SEZL may justify a higher PE ratio.
A cheap valuation may be justified as SEZL's earnings are expected to decrease with -4.74% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.74%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SEZL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
106.71
-2.44 (-2.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners22.77%
Inst Owner Change644.65%
Ins Owners44.97%
Ins Owner Change-1.44%
Market Cap3.55B
Analysts82.5
Price Target62.73 (-41.21%)
Short Float %N/A
Short Ratio4.43
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)0%
PT rev (3m)-83.2%
EPS NQ rev (1m)155.84%
EPS NQ rev (3m)-76.6%
EPS NY rev (1m)0%
EPS NY rev (3m)-89.77%
Revenue NQ rev (1m)23.07%
Revenue NQ rev (3m)23.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.68 | ||
| Fwd PE | 41.43 | ||
| P/S | 10.8 | ||
| P/FCF | 59.51 | ||
| P/OCF | 58.12 | ||
| P/B | 28.25 | ||
| P/tB | 28.8 | ||
| EV/EBITDA | 29.61 |
EPS(TTM)2.5
EY2.34%
EPS(NY)2.58
Fwd EY2.41%
FCF(TTM)1.79
FCFY1.68%
OCF(TTM)1.84
OCFY1.72%
SpS9.88
BVpS3.78
TBVpS3.71
PEG (NY)N/A
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 | 15.19 |
F-Score8
WACC9.11%
ROIC/WACC5.22
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 Y-53.64%
EPS Next 2Y-4.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)91.69%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%123.31%
Revenue Next Year41.86%
Revenue Next 2Y45.79%
Revenue Next 3YN/A
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