SEZZLE INC (SEZL) Stock Fundamental Analysis
USA - NASDAQ:SEZL - US78435P1057 - Common Stock
50.97 USD
-1.17 (-2.24%)
50.6602 USD
-0.31 (-0.61%)
SEZL gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. While SEZL has a great health rating, its profitability is only average at the moment. SEZL is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! This makes SEZL very considerable 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.
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
Looking at the Return On Assets, with a value of 29.83%, SEZL belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 80.20%, SEZL belongs to the top of the industry, outperforming 97.98% of the companies in the same industry.
SEZL has a Return On Invested Capital of 41.57%. This is amongst the best in the industry. SEZL outperforms 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
With an excellent Profit Margin value of 28.13%, SEZL belongs to the best of the industry, outperforming 82.83% of the companies in the same industry.
SEZL has a Operating Margin of 37.03%. This is in the better half of the industry: SEZL outperforms 76.77% of its industry peers.
The Gross Margin of SEZL (84.29%) is better than 87.88% of its industry peers.
In the last couple of years the Gross Margin of SEZL has grown nicely.
| 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
SEZL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it 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 7.77. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
SEZL's Altman-Z score of 7.77 is amongst the best of the industry. SEZL outperforms 91.92% of its industry peers.
SEZL has a debt to FCF ratio of 4.80. This is a neutral value as SEZL would need 4.80 years to pay back of all of its debts.
SEZL has a Debt to FCF ratio of 4.80. This is in the better half 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's Debt to Equity ratio of 1.00 is in line compared to the rest of the industry. SEZL outperforms 45.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1 | ||
| Debt/FCF | 4.8 | ||
| Altman-Z | 7.77 |
ROIC/WACC4.67
WACC8.91%
2.3 Liquidity
SEZL has a Current Ratio of 3.51. This indicates that SEZL is financially healthy and has no problem in meeting its short term obligations.
SEZL has a better Current ratio (3.51) than 83.84% of its industry peers.
A Quick Ratio of 3.51 indicates that SEZL has no problem at all paying its short term obligations.
SEZL has a Quick ratio of 3.51. This is amongst the best in the industry. SEZL outperforms 84.85% of its industry peers.
| 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.
SEZL shows a strong growth in Revenue. In the last year, the Revenue has grown by 70.14%.
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)70.14%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%66.95%
3.2 Future
The Earnings Per Share is expected to grow by 24.15% 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 43.44% yearly.
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
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
Based on the Price/Earnings ratio of 16.44, the valuation of SEZL can be described as correct.
SEZL's Price/Earnings is on the same level as the industry average.
SEZL is valuated rather cheaply when we compare the Price/Earnings ratio to 25.56, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.71, which indicates a very decent valuation of SEZL.
The rest of the industry has a similar Price/Forward Earnings ratio as SEZL.
When comparing the Price/Forward Earnings ratio of SEZL to the average of the S&P500 Index (34.62), we can say SEZL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.44 | ||
| Fwd PE | 11.71 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 63.78 | ||
| EV/EBITDA | 13.08 |
4.3 Compensation for Growth
The 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 24.15% in the coming years.
PEG (NY)0.95
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 |
50.97
-1.17 (-2.24%)
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 Cap1.73B
Revenue(TTM)271.13M
Net Income(TTM)104.58M
Analysts82
Price Target122.66 (140.65%)
Short Float %21.23%
Short Ratio4.24
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 | 16.44 | ||
| Fwd PE | 11.71 | ||
| P/S | 4.66 | ||
| P/FCF | 63.78 | ||
| P/OCF | 59.38 | ||
| P/B | 13.3 | ||
| P/tB | 13.59 | ||
| EV/EBITDA | 13.08 |
EPS(TTM)3.1
EY6.08%
EPS(NY)4.35
Fwd EY8.54%
FCF(TTM)0.8
FCFY1.57%
OCF(TTM)0.86
OCFY1.68%
SpS10.93
BVpS3.83
TBVpS3.75
PEG (NY)0.95
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 | 7.77 |
F-Score7
WACC8.91%
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 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 16.44 and the Price/Book (PB) ratio is 13.3.
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.