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Sezzle Inc. (SEZL)

POSITIVE
Financial ServicesCredit ServicesUnited States

Fundamental

80

Precio

$123.78

Capitalización Bursátil

$4.00B

Parte 1 · Cuánto vale la empresa

Resumen

Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada. The company offers Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; Pay-in-five which allows eligible consumers to pay a fifth of the purchase price up front, and then another four installments every two weeks; Pay-in-Two, which allow consumer to pay half of the value of their order up-front and the second half in two weeks; and other alternative installment options. It also provides Sezzle Virtual Card that allows consumers to access the Sezzle Platform in the form of merchants in-store and online with merchants that are not directly integrated with Sezzle; Sezzle Anywhere, a paid subscription service that allows consumers to use their Sezzle Virtual Card at any merchant online or in-store; Sezzle On-Demand, a service that allows consumers who are not subscribed to Sezzle Anywhere to use the Sezzle Platform at any merchant online or in-store; Sezzle Premium, a paid subscription service that allows its consumers to access large, non-integrated premium merchants; Sezzle Balance, a stored-value product that allows consumers to maintain funds in Sezzle account for use toward eligible purchases or make payments on the Sezzle Platform; and Sezzle Up, an opt-in feature of the Sezzle Platform. In addition, the company offers Long-Term Lending through collaboration with third-party lenders. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.

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Balance y Liquidez

Ingresos

$294M

Últimos 12 meses (hasta 30/6/2026)

Beneficio Neto

$161M

Últimos 12 meses (hasta 30/6/2026)

Flujo de Caja Libre

$209M

Patrimonio Neto Total

$170M

Pasivo Total

$230M

Ratio de Liquidez

4.02

Cobertura de Intereses

15.49

Deuda/EBITDA

0.69

Beneficio Por Acción

Ingresos y Beneficio Neto

Flujo de Caja Libre

Desglose de Ingresos

Estado histórico

Márgenes en el tiempo

La deuda en el tiempo

Cuánto pesa la deuda

Cuadro de crecimiento

Crecimiento — Ingresos

Estimación de Valor Justo

Valoración Justa

Valor Justo

$113.79

Precio Actual

$123.78

Margen de Seguridad

-8.8%

Rango de Valor Justo

$73.96 - $153.62

Métodos de Estimación

Analyst Target:$168.00
DCF:$52.97
PE-based:$119.69
Graham Growth:$74.24
EPV:$24.62
Consenso de Analistas:Comprar (8B / 5H / 0S)
Última Sorpresa de Resultados:+7.91%

Métricas de Valoración

Ratio P/E

25.75

ROE

78.4%

Ratio P/B

17.05

P/FCF

14.46

Margen Bruto

-

ROIC

47.8%

Radar de Rentabilidad

Value Creation (Economic Moat)

ROIC

47.8%

WACC

17.7%

ROIC − WACC

+30.1 pp

ROIC exceeds the cost of capital — the company is creating value for shareholders.

Criterios de Análisis Fundamental

Superado (20)

  • EPS shows upward trend
  • Price CAGR 226.48%
  • ROIC 47.8%
  • P/FCF 14.46
  • Debt/Equity ratio
  • Operating Margin 73.1%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Interest Coverage
  • Debt/EBITDA
  • Return on Tangible Assets
  • Low reliance on intangibles
  • ROE 90.9%
  • Revenue Growth 5Y 50.3%
  • Analyst Consensus 62% Buy
  • Earnings Surprise avg 12.9%
  • Earnings Quality (OCF/NI) 1.71
  • Share Dilution -0.2%
  • Piotroski F-Score 8/9

Fallido (4)

  • P/B Ratio 17.05
  • Price below Graham Number
  • DCF valuation (Overvalued)
  • Net Margin Trend 55.0% vs 56.8%

No disponible (3)

  • Gross Margin NaN%
  • Dividend Payout NaN%
  • PEG Ratio (need PE > 0 and growth > 0)

Piotroski F-Score

8/9

Solidez financiera fuerte

score
criteria

Calidad de los Beneficios

1.71

Alta calidad: beneficios respaldados por efectivo

Dilución de Acciones

-0.2%

Recomprando acciones. Favorable para el accionista

Gobernanza

Equipo Directivo

NombreCargoEdad
Mr. Charles G. YouakimCo-Founder, Executive Chairman & CEO48
Mr. Paul Victor ParadisCo-Founder, President & Executive Director41
Mr. Lee Dickson Brading C.F.A.Chief Financial Officer57
Mr. Amin SabzivandChief Operating Officer36
Justin KrauseSenior VP of Finance & Financial Controller-

Riesgo de Auditoría

10

Riesgo del Consejo

9

Riesgo de Compensación

8

Riesgo de Derechos del Accionista

2

Parte 2 · El precio y el momento de entrar

Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.

Latest News

Recent headlines for SEZL, sourced from Markets Gazette.

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