(SEZL) Sezzle - Ratings and Ratios
Installment Credit, Subscription Plans, Virtual Card, Merchant Link
SEZL EPS (Earnings per Share)
SEZL Revenue
Description: SEZL Sezzle
Sezzle Inc. is a technology-enabled payments company that provides innovative payment solutions to consumers and merchants in the US and Canada. The companys platform allows consumers to pay for purchases in installments, offering various payment plans such as Pay-in-Four and Pay-in-Full. Sezzles proprietary payment solution enables merchants to offer credit to customers at the point-of-sale, while also providing a range of additional services, including Sezzle Virtual Card, Sezzle Anywhere, and Sezzle Premium.
From a business perspective, Sezzles key performance indicators (KPIs) likely include metrics such as transaction volume, merchant acquisition rates, and customer retention rates. The companys revenue growth and ability to expand its merchant network will be crucial in determining its long-term success. Additionally, Sezzles partnerships with third-party lenders to offer Long-Term Lending solutions will likely contribute to its revenue streams.
Analyzing Sezzles financials, we can observe a Market Cap of $4947.34M USD, indicating a significant market presence. The companys P/E ratio of 50.04 and Forward P/E of 45.05 suggest that investors have high expectations for its future growth. The Return on Equity (RoE) of 131.29 is exceptionally high, indicating that the company is generating substantial profits from its shareholders equity. These metrics suggest that Sezzle is a growth-oriented company with a strong financial position.
To further evaluate Sezzles potential, we can examine its competitive landscape and industry trends. The companys position within the Transaction & Payment Processing Services sub-industry is competitive, with other players offering similar payment solutions. However, Sezzles focus on providing flexible payment plans and its proprietary payment solution may differentiate it from competitors. As the payments industry continues to evolve, Sezzles ability to adapt to changing consumer preferences and technological advancements will be crucial in maintaining its market share.
SEZL Stock Overview
| Market Cap in USD | 2,910m |
| Sub-Industry | Transaction & Payment Processing Services |
| IPO / Inception | 2023-08-17 |
SEZL Stock Ratings
| Growth Rating | 89.7% |
| Fundamental | 80.4% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 123% |
| Analyst Rating | 5.0 of 5 |
SEZL Dividends
Currently no dividends paidSEZL Growth Ratios
| Growth Correlation 3m | -86.3% |
| Growth Correlation 12m | 68.6% |
| Growth Correlation 5y | 95.7% |
| CAGR 5y | 135.59% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.51 |
| CAGR/Mean DD 3y (Pain Ratio) | 3.78 |
| Sharpe Ratio 12m | 0.75 |
| Alpha | 90.68 |
| Beta | 8.762 |
| Volatility | 118.12% |
| Current Volume | 1315.8k |
| Average Volume 20d | 876.6k |
| Stop Loss | 74.5 (-6.9%) |
| Signal | 0.67 |
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (104.6m TTM) > 0 and > 6% of Revenue (6% = 22.3m TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA 5.84pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 59.89% (prev 51.13%; Δ 8.76pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.08 (>3.0%) and CFO 29.2m <= Net Income 104.6m (YES >=105%, WARN >=100%) |
| Net Debt (42.3m) to EBITDA (139.3m) ratio: 0.30 <= 3.0 (WARN <= 3.5) |
| Current Ratio 3.51 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (36.2m) change vs 12m ago 0.07% (target <= -2.0% for YES) |
| Gross Margin 69.57% (prev 65.11%; Δ 4.46pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 132.2% (prev 90.86%; Δ 41.30pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 10.48 (EBITDA TTM 139.3m / Interest Expense TTM 13.2m) >= 6 (WARN >= 3) |
Altman Z'' 7.74
| (A) 0.64 = (Total Current Assets 311.5m - Total Current Liabilities 88.9m) / Total Assets 350.6m |
| (B) -0.13 = Retained Earnings (Balance) -45.8m / Total Assets 350.6m |
| (C) 0.49 = EBIT TTM 138.2m / Avg Total Assets 281.3m |
| (D) 0.67 = Book Value of Equity 146.9m / Total Liabilities 220.2m |
| Total Rating: 7.74 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 80.37
| 1. Piotroski 6.50pt = 1.50 |
| 2. FCF Yield 0.95% = 0.48 |
| 3. FCF Margin 7.58% = 1.89 |
| 4. Debt/Equity 1.01 = 2.02 |
| 5. Debt/Ebitda 0.30 = 2.43 |
| 6. ROIC - WACC (= 21.39)% = 12.50 |
| 7. RoE 103.3% = 2.50 |
| 8. Rev. Trend 95.62% = 7.17 |
| 9. EPS Trend -2.29% = -0.11 |
What is the price of SEZL shares?
Over the past week, the price has changed by -3.25%, over one month by -11.18%, over three months by -41.09% and over the past year by +155.58%.
Is Sezzle a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SEZL is around 74.71 USD . This means that SEZL is currently overvalued and has a potential downside of -6.62%.
Is SEZL a buy, sell or hold?
- Strong Buy: 2
- Buy: 0
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the SEZL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 119.3 | 49% |
| Analysts Target Price | 119.3 | 49% |
| ValueRay Target Price | 89.7 | 12.1% |
Last update: 2025-10-06 02:02
SEZL Fundamental Data Overview
P/E Trailing = 29.0918
P/E Forward = 15.6006
P/S = 7.827
P/B = 21.732
P/EG = 0.0636
Beta = 8.762
Revenue TTM = 371.8m USD
EBIT TTM = 138.2m USD
EBITDA TTM = 139.3m USD
Long Term Debt = 130.5m USD (from longTermDebt, last quarter)
Short Term Debt = 250.0k USD (from shortTermDebt, last quarter)
Debt = 131.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 42.3m USD (from netDebt column, last quarter)
Enterprise Value = 2.95b USD (2.91b + Debt 131.3m - CCE 88.9m)
Interest Coverage Ratio = 10.48 (Ebit TTM 138.2m / Interest Expense TTM 13.2m)
FCF Yield = 0.95% (FCF TTM 28.2m / Enterprise Value 2.95b)
FCF Margin = 7.58% (FCF TTM 28.2m / Revenue TTM 371.8m)
Net Margin = 28.13% (Net Income TTM 104.6m / Revenue TTM 371.8m)
Gross Margin = 69.57% ((Revenue TTM 371.8m - Cost of Revenue TTM 113.1m) / Revenue TTM)
Gross Margin QoQ = 73.74% (prev 71.06%)
Tobins Q-Ratio = 8.42 (Enterprise Value 2.95b / Total Assets 350.6m)
Interest Expense / Debt = 2.67% (Interest Expense 3.50m / Debt 131.3m)
Taxrate = 15.51% (5.07m / 32.7m)
NOPAT = 116.8m (EBIT 138.2m * (1 - 15.51%))
Current Ratio = 3.51 (Total Current Assets 311.5m / Total Current Liabilities 88.9m)
Debt / Equity = 1.01 (Debt 131.3m / totalStockholderEquity, last quarter 130.4m)
Debt / EBITDA = 0.30 (Net Debt 42.3m / EBITDA 139.3m)
Debt / FCF = 1.50 (Net Debt 42.3m / FCF TTM 28.2m)
Total Stockholder Equity = 101.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 29.83% (Net Income 104.6m / Total Assets 350.6m)
RoE = 103.3% (Net Income TTM 104.6m / Total Stockholder Equity 101.3m)
RoCE = 59.62% (EBIT 138.2m / Capital Employed (Equity 101.3m + L.T.Debt 130.5m))
RoIC = 58.13% (NOPAT 116.8m / Invested Capital 200.9m)
WACC = 36.74% (E(2.91b)/V(3.04b) * Re(38.30%) + D(131.3m)/V(3.04b) * Rd(2.67%) * (1-Tc(0.16)))
Discount Rate = 38.30% (= CAPM, Blume Beta Adj.) -> capped to 17.95%
Shares Correlation 3-Years: 33.33 | Cagr: 2.30%
[DCF Debug] Terminal Value 38.99% ; FCFE base≈18.8m ; Y1≈12.3m ; Y5≈5.63m
Fair Price DCF = 1.28 (DCF Value 43.6m / Shares Outstanding 34.0m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -2.29 | EPS CAGR: -0.72% | SUE: 0.0 | # QB: 0
Revenue Correlation: 95.62 | Revenue CAGR: 53.44% | SUE: 0.31 | # QB: 0
Additional Sources for SEZL Stock
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Fund Manager Positions: Dataroma | Stockcircle