Taking everything into account, SEZL scores 7 out of 10 in our fundamental rating. SEZL was compared to 97 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 not priced too expensively while it is growing strongly. Keep and eye on this one! This makes SEZL very considerable for growth investing!

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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

SEZL has a Return On Assets of 31.56%. This is amongst the best in the industry. SEZL outperforms 98.97% of its industry peers.
The Return On Equity of SEZL (74.58%) is better than 96.91% of its industry peers.
SEZL has a Return On Invested Capital of 44.06%. This is amongst the best in the industry. SEZL outperforms 98.97% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

With an excellent Profit Margin value of 27.66%, SEZL belongs to the best of the industry, outperforming 83.51% of the companies in the same industry.
SEZL has a better Operating Margin (36.41%) than 78.35% of its industry peers.
SEZL's Gross Margin of 84.93% is amongst the best of the industry. SEZL outperforms 88.66% of its industry peers.
SEZL's Gross Margin has improved in the last couple of years.

		Industry Rank	Sector 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), SEZL is creating value.
The number of shares outstanding for SEZL has been reduced compared to 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

SEZL has an Altman-Z score of 9.78. This indicates that SEZL is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of SEZL (9.78) is better than 91.75% of its industry peers.
The Debt to FCF ratio of SEZL is 2.17, which is a good value as it means it would take SEZL, 2.17 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.17, SEZL is in the better half of the industry, outperforming 72.16% of the companies in the same industry.
A Debt/Equity ratio of 0.76 indicates that SEZL is somewhat dependend on debt financing.
The Debt to Equity ratio of SEZL (0.76) is comparable to the rest of the industry.
Even though the debt/equity ratio score it not favorable for SEZL, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

		Industry Rank	Sector Rank
Debt/Equity	0.76
Debt/FCF	2.17
Altman-Z	9.78

ROIC/WACC4.92

WACC8.95%

2.3 Liquidity

A Current Ratio of 3.52 indicates that SEZL has no problem at all paying its short term obligations.
SEZL has a better Current ratio (3.52) than 86.60% 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 87.63% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	3.52
Quick Ratio	3.52

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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 88.74% 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)88.74%

Revenue growth 3Y33.16%

Revenue growth 5Y76.56%

Sales Q2Q%66.95%

3.2 Future

SEZL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.18% yearly.
The Revenue is expected to grow by 43.63% on average over the next years. This is a very strong growth

EPS Next Y21.54%

EPS Next 2Y25.47%

EPS Next 3Y25.18%

EPS Next 5YN/A

Revenue Next Year80.03%

Revenue Next 2Y50.33%

Revenue Next 3Y43.63%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 21.88 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 28.87.
With a Price/Forward Earnings ratio of 15.18, SEZL is valued correctly.
SEZL's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of SEZL to the average of the S&P500 Index (25.96), we can say SEZL is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	21.88
Fwd PE	15.18

4.2 Price Multiples

SEZL's Enterprise Value to EBITDA is on the same level as 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	42.84
EV/EBITDA	15.16

4.3 Compensation for Growth

The 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 25.18% in the coming years.