SEZZLE INC (SEZL) Stock Fundamental Analysis
USA - NASDAQ:SEZL - US78435P1057 - Common Stock
54.44 USD
+2.04 (+3.89%)
54.9 USD
+0.46 (+0.84%)
Overall SEZL gets a fundamental rating of 6 out of 10. We evaluated SEZL against 99 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 overvalued while it is showing excellent growth. This is an interesting combination. 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.
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
With an excellent Return On Assets value of 29.83%, SEZL belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
SEZL has a better Return On Equity (80.20%) than 97.98% of its industry peers.
SEZL has a better Return On Invested Capital (41.57%) than 98.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 29.83% | ||
| ROE | 80.2% | ||
| ROIC | 41.57% |
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 has a better Profit Margin (28.13%) than 82.83% of its industry peers.
The Operating Margin of SEZL (37.03%) is better than 76.77% of its industry peers.
SEZL has a Gross Margin of 84.29%. This is amongst the best in the industry. SEZL outperforms 87.88% of its industry peers.
SEZL's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 37.03% | ||
| PM (TTM) | 28.13% | ||
| GM | 84.29% |
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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so SEZL is creating value.
Compared to 1 year ago, SEZL has less shares outstanding
The number of shares outstanding for SEZL has been reduced compared to 5 years ago.
Compared to 1 year ago, SEZL has an improved debt to assets ratio.
2.2 Solvency
SEZL has an Altman-Z score of 7.79. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
SEZL has a Altman-Z score of 7.79. This is amongst the best in the industry. SEZL outperforms 91.92% of its industry peers.
The Debt to FCF ratio of SEZL is 4.80, which is a neutral value as it means it would take SEZL, 4.80 years of fcf income to pay off all of its debts.
SEZL's Debt to FCF ratio of 4.80 is fine compared to the rest of the industry. SEZL outperforms 67.68% of its industry peers.
SEZL has a Debt/Equity ratio of 1.00. This is a high value indicating a heavy dependency on external financing.
SEZL has a Debt to Equity ratio (1.00) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1 | ||
| Debt/FCF | 4.8 | ||
| Altman-Z | 7.79 |
ROIC/WACC4.69
WACC8.86%
2.3 Liquidity
A Current Ratio of 3.51 indicates that SEZL has no problem at all paying its short term obligations.
With an excellent Current ratio value of 3.51, SEZL belongs to the best of the industry, outperforming 83.84% of the companies in the same industry.
SEZL has a Quick Ratio of 3.51. 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 3.51, SEZL belongs to the top of the industry, outperforming 84.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.51 | ||
| Quick Ratio | 3.51 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 17.05% over the past year.
The Revenue has grown by 70.14% in the past year. This is a very strong growth!
SEZL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 76.56% yearly.
EPS 1Y (TTM)17.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.59%
Revenue 1Y (TTM)70.14%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%66.95%
3.2 Future
Based on estimates for the next years, SEZL will show a very strong growth in Earnings Per Share. The EPS will grow by 24.15% on average per year.
The Revenue is expected to grow by 43.44% on average over the next years. This is a very strong growth
EPS Next Y17.39%
EPS Next 2Y23.82%
EPS Next 3Y24.15%
EPS Next 5YN/A
Revenue Next Year76.81%
Revenue Next 2Y50.02%
Revenue Next 3Y43.44%
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
Based on the Price/Earnings ratio of 17.56, the valuation of SEZL can be described as rather expensive.
SEZL's Price/Earnings ratio is in line with the industry average.
SEZL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.45.
A Price/Forward Earnings ratio of 12.51 indicates a correct valuation of SEZL.
SEZL's Price/Forward Earnings is on the same level as the industry average.
SEZL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.56 | ||
| Fwd PE | 12.51 |
4.2 Price Multiples
SEZL's Enterprise Value to EBITDA is on the same level as the industry average.
SEZL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 68.13 | ||
| EV/EBITDA | 13.14 |
4.3 Compensation for Growth
SEZL's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
SEZL has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as SEZL's earnings are expected to grow with 24.15% in the coming years.
PEG (NY)1.01
PEG (5Y)N/A
EPS Next 2Y23.82%
EPS Next 3Y24.15%
5. Dividend
5.1 Amount
SEZL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
54.44
+2.04 (+3.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners32.25%
Inst Owner Change-5.2%
Ins Owners47.36%
Ins Owner Change-1%
Market Cap1.85B
Revenue(TTM)271.13M
Net Income(TTM)104.58M
Analysts82
Price Target122.66 (125.31%)
Short Float %20.8%
Short Ratio3.78
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)198.41%
Min EPS beat(2)16.63%
Max EPS beat(2)380.18%
EPS beat(4)4
Avg EPS beat(4)154.41%
Min EPS beat(4)16.63%
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)30.39%
Min Revenue beat(2)1.93%
Max Revenue beat(2)58.85%
Revenue beat(4)4
Avg Revenue beat(4)29.32%
Min Revenue beat(4)1.93%
Max Revenue beat(4)58.85%
Revenue beat(8)8
Avg Revenue beat(8)25.6%
Revenue beat(12)10
Avg Revenue beat(12)17.28%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.84%
PT rev (3m)-25.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.21%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)0.2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.56 | ||
| Fwd PE | 12.51 | ||
| P/S | 4.98 | ||
| P/FCF | 68.13 | ||
| P/OCF | 63.42 | ||
| P/B | 14.2 | ||
| P/tB | 14.51 | ||
| EV/EBITDA | 13.14 |
EPS(TTM)3.1
EY5.69%
EPS(NY)4.35
Fwd EY7.99%
FCF(TTM)0.8
FCFY1.47%
OCF(TTM)0.86
OCFY1.58%
SpS10.93
BVpS3.83
TBVpS3.75
PEG (NY)1.01
PEG (5Y)N/A
Graham Number16.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 29.83% | ||
| ROE | 80.2% | ||
| ROCE | 52.62% | ||
| ROIC | 41.57% | ||
| ROICexc | 62.97% | ||
| ROICexgc | 64% | ||
| OM | 37.03% | ||
| PM (TTM) | 28.13% | ||
| GM | 84.29% | ||
| FCFM | 7.31% |
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-Score7
Asset Turnover1.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1 | ||
| Debt/FCF | 4.8 | ||
| Debt/EBITDA | 0.94 | ||
| Cap/Depr | 185.31% | ||
| Cap/Sales | 0.54% | ||
| Interest Coverage | 9.88 | ||
| Cash Conversion | 21.04% | ||
| Profit Quality | 26% | ||
| Current Ratio | 3.51 | ||
| Quick Ratio | 3.51 | ||
| Altman-Z | 7.79 |
F-Score7
WACC8.86%
ROIC/WACC4.69
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 Y17.39%
EPS Next 2Y23.82%
EPS Next 3Y24.15%
EPS Next 5YN/A
Revenue 1Y (TTM)70.14%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%66.95%
Revenue Next Year76.81%
Revenue Next 2Y50.02%
Revenue Next 3Y43.44%
Revenue Next 5YN/A
EBIT growth 1Y216.16%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year133.19%
EBIT Next 3Y63.09%
EBIT Next 5YN/A
FCF growth 1Y637.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y500.04%
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 6 / 10 to SEZL.
Can you provide the valuation status for SEZZLE INC?
ChartMill assigns a valuation rating of 5 / 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 17.56 and the Price/Book (PB) ratio is 14.2.
What is the earnings growth outlook for SEZZLE INC?
The Earnings per Share (EPS) of SEZZLE INC (SEZL) is expected to grow by 17.39% in the next year.