SEZZLE INC (SEZL) Stock Fundamental Analysis
USA - NASDAQ:SEZL - US78435P1057 - Common Stock
76.28 USD
-0.68 (-0.88%)
76.4898 USD
+0.21 (+0.28%)
We assign a fundamental rating of 6 out of 10 to SEZL. SEZL was compared to 99 industry peers in the Financial Services industry. While SEZL has a great health rating, its profitability is only average at the moment. SEZL shows excellent growth, but is valued quite expensive already. These ratings would make SEZL suitable 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.
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.
1.2 Ratios
SEZL's Return On Assets of 29.83% is amongst the best of the industry. SEZL outperforms 100.00% of its industry peers.
SEZL has a Return On Equity of 80.20%. This is amongst the best in the industry. SEZL outperforms 97.98% of its industry peers.
The Return On Invested Capital of SEZL (41.57%) is better 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 81.82% of its industry peers.
SEZL has a better Operating Margin (37.03%) than 77.78% of its industry peers.
SEZL's Gross Margin of 84.29% is amongst the best of the industry. SEZL outperforms 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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 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 10.07. 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 10.07, SEZL belongs to the top of the industry, outperforming 91.92% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 4.80, SEZL is in the better half of the industry, outperforming 68.69% of the companies in the same industry.
A Debt/Equity ratio of 1.00 is on the high side and indicates that SEZL has dependencies on debt financing.
SEZL has a Debt to Equity ratio of 1.00. This is comparable 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 | 10.07 |
ROIC/WACC4.75
WACC8.75%
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 84.85% of the companies in the same industry.
A Quick Ratio of 3.51 indicates that SEZL has no problem at all paying its short term obligations.
SEZL has a better Quick ratio (3.51) than 85.86% 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 impressive 149.33% over the past year.
SEZL shows a strong growth in Revenue. In the last year, the Revenue has grown by 92.95%.
SEZL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 76.56% yearly.
EPS 1Y (TTM)149.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%90.78%
Revenue 1Y (TTM)92.95%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%76.35%
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
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
A Price/Earnings ratio of 26.95 indicates a quite expensive valuation of SEZL.
Compared to the rest of the industry, the Price/Earnings ratio of SEZL indicates a slightly more expensive valuation: SEZL is more expensive than 62.63% of the companies listed in the same industry.
SEZL is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.
SEZL is valuated rather expensively with a Price/Forward Earnings ratio of 17.53.
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 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.95 | ||
| Fwd PE | 17.53 |
4.2 Price Multiples
SEZL's Enterprise Value to EBITDA ratio is in line with the industry average.
SEZL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 95.46 | ||
| EV/EBITDA | 19.16 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of SEZL may justify a higher PE ratio.
SEZL's earnings are expected to grow with 24.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.55
PEG (5Y)N/A
EPS Next 2Y23.82%
EPS Next 3Y24.15%
5. Dividend
5.1 Amount
No dividends for SEZL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
76.28
-0.68 (-0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners32.25%
Inst Owner Change0.1%
Ins Owners47.36%
Ins Owner Change-1.73%
Market Cap2.60B
Revenue(TTM)371.80M
Net Income(TTM)104.58M
Analysts82
Price Target121.64 (59.47%)
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%
PT rev (3m)-25.93%
EPS NQ rev (1m)1.69%
EPS NQ rev (3m)-6.48%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)0.2%
Revenue NQ rev (1m)0.77%
Revenue NQ rev (3m)-1.65%
Revenue NY rev (1m)-0.32%
Revenue NY rev (3m)-0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.95 | ||
| Fwd PE | 17.53 | ||
| P/S | 6.98 | ||
| P/FCF | 95.46 | ||
| P/OCF | 88.86 | ||
| P/B | 19.9 | ||
| P/tB | 20.33 | ||
| EV/EBITDA | 19.16 |
EPS(TTM)2.83
EY3.71%
EPS(NY)4.35
Fwd EY5.7%
FCF(TTM)0.8
FCFY1.05%
OCF(TTM)0.86
OCFY1.13%
SpS10.93
BVpS3.83
TBVpS3.75
PEG (NY)1.55
PEG (5Y)N/A
Graham Number15.62
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 | 10.07 |
F-Score7
WACC8.75%
ROIC/WACC4.75
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)149.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%90.78%
EPS Next Y17.39%
EPS Next 2Y23.82%
EPS Next 3Y24.15%
EPS Next 5YN/A
Revenue 1Y (TTM)92.95%
Revenue growth 3Y33.16%
Revenue growth 5Y76.56%
Sales Q2Q%76.35%
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 3 / 10 to SEZZLE INC (SEZL). This can be considered as Overvalued.
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 26.95 and the Price/Book (PB) ratio is 19.9.
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.