Sezzle Inc. (SEZL)
POSITIVEFondamental
80
Prix
$123.78
Capitalisation boursière
$4.00B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
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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Bilan & Liquidités
Chiffre d'affaires
$294M
12 derniers mois (au 30/06/2026)
Résultat net
$161M
12 derniers mois (au 30/06/2026)
Flux de trésorerie libre
$209M
Capitaux propres totaux
$170M
Passif total
$230M
Ratio de liquidité général
4.02
Couverture des intérêts
15.49
Dette/EBITDA
0.69
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Le poids de la dette
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$113.79
Prix actuel
$123.78
Marge de sécurité
-8.8%
Fourchette de juste valeur
$73.96 - $153.62
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
25.75
ROE
78.4%
Ratio P/B
17.05
P/FCF
14.46
Marge brute
-
ROIC
47.8%
Radar de rentabilité
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.
Critères d'analyse fondamentale
Réussi (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
Échoué (4)
- P/B Ratio 17.05
- Price below Graham Number
- DCF valuation (Overvalued)
- Net Margin Trend 55.0% vs 56.8%
Indisponible (3)
- Gross Margin NaN%
- Dividend Payout NaN%
- PEG Ratio (need PE > 0 and growth > 0)
Score F de Piotroski
Santé financière solide
Qualité des bénéfices
Qualité élevée : bénéfices soutenus par la trésorerie
Dilution du capital
Rachat d'actions. Favorable aux actionnaires
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| Mr. Charles G. Youakim | Co-Founder, Executive Chairman & CEO | 48 |
| Mr. Paul Victor Paradis | Co-Founder, President & Executive Director | 41 |
| Mr. Lee Dickson Brading C.F.A. | Chief Financial Officer | 57 |
| Mr. Amin Sabzivand | Chief Operating Officer | 36 |
| Justin Krause | Senior VP of Finance & Financial Controller | - |
Risque d'audit
10
Risque du conseil
9
Risque de rémunération
8
Risque droits des actionnaires
2
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
Latest News
Recent headlines for SEZL, sourced from Markets Gazette.