Sezzle Inc.
Sezzle Inc. Fundamental Analysis
Sezzle Inc. (SEZNL) shows strong financial fundamentals with a PE ratio of 16.07, profit margin of 29.57%, and ROE of 91.62%. The company generates $0.2B in annual revenue with strong year-over-year growth of 1700.39%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 85.9/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze SEZNL's fundamental strength across five key dimensions:
Efficiency Score
ExcellentSEZNL demonstrates superior asset utilization.
Valuation Score
ExcellentSEZNL trades at attractive valuation levels.
Growth Score
ModerateSEZNL shows steady but slowing expansion.
Financial Health Score
ExcellentSEZNL maintains a strong and stable balance sheet.
Profitability Score
ExcellentSEZNL achieves industry-leading margins.
Key Financial Metrics
Is SEZNL Expensive or Cheap?
P/E Ratio
SEZNL trades at 16.07 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, SEZNL's PEG of 1.06 indicates fair valuation.
Price to Book
The market values Sezzle Inc. at 12.60 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 11.92 times EBITDA. This signals the market has high growth expectations.
How Well Does SEZNL Make Money?
Net Profit Margin
For every $100 in sales, Sezzle Inc. keeps $29.57 as profit after all expenses.
Operating Margin
Core operations generate 39.26 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $91.62 in profit for every $100 of shareholder equity.
ROA
Sezzle Inc. generates $33.26 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Sezzle Inc. generates strong operating cash flow of $79.08M, reflecting robust business health.
Free Cash Flow
Sezzle Inc. generates strong free cash flow of $78.50M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $6.14 in free cash annually.
FCF Yield
SEZNL converts 9.66% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
16.07
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.06
vs 25 benchmark
P/B Ratio
Price to book value ratio
12.60
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.79
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.83
vs 25 benchmark
Current Ratio
Current assets to current liabilities
3.92
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.92
vs 25 benchmark
ROA
Return on assets percentage
0.33
vs 25 benchmark
ROCE
Return on capital employed
0.57
vs 25 benchmark
How SEZNL Stacks Against Its Sector Peers
| Metric | SEZNL Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 16.07 | 18.66 | Better (Cheaper) |
| ROE | 91.62% | 804.00% | Weak |
| Net Margin | 29.57% | 2258.00% | Weak |
| Debt/Equity | 0.83 | 1.03 | Neutral |
| Current Ratio | 3.92 | 662.03 | Strong Liquidity |
| ROA | 33.26% | -24049.00% (disorted) | Strong |
SEZNL outperforms its industry in 3 out of 6 key metrics, particularly excelling in ROA, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Sezzle Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
887140.26%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
410.86%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
106269.21%
Industry Style: Value, Dividend, Cyclical
High Growth