Sezzle Inc. Logo

Sezzle Inc.

SEZNL

(1.8)
Stock Price

14,10 USD

19.98% ROA

40.55% ROE

21.94x PER

Market Cap.

910.247.815,00 USD

137.11% DER

0% Yield

4.45% NPM

Sezzle Inc. Stock Analysis

Sezzle Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Sezzle Inc. Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

2 ROE

The stock's ROE exceeds expectations (70.48%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

3 ROA

The stock's ROA (5.11%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

5 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

6 PBV

The stock's elevated P/BV ratio (3.12x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

7 DER

The stock is burdened with a heavy load of debt (354%), making it financially unstable and potentially risky for investors.

8 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

10 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (-164), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Sezzle Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Sezzle Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Sezzle Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Sezzle Inc. Revenue
Year Revenue Growth
2017 29.366
2018 1.632.060 98.2%
2019 15.801.111 89.67%
2020 58.788.273 73.12%
2021 114.816.635 48.8%
2022 125.570.441 8.56%
2023 163.376.804 23.14%
2023 159.356.772 -2.52%
2024 223.874.020 28.82%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Sezzle Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2017 127.309
2018 394.000 67.69%
2019 517.000 23.79%
2020 490.000 -5.51%
2021 1.462.000 66.48%
2022 2.012.000 27.34%
2023 0 0%
2023 666.104 100%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Sezzle Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2017 0
2018 4.305.684 100%
2019 5.390.987 20.13%
2020 3.472.478 -55.25%
2021 15.768.583 77.98%
2022 16.411.912 3.92%
2023 8.736.304 -87.86%
2023 8.587.781 -1.73%
2024 10.087.128 14.86%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Sezzle Inc. EBITDA
Year EBITDA Growth
2017 -807.907
2018 -3.936.040 79.47%
2019 -10.990.750 64.19%
2020 -27.496.090 60.03%
2021 -67.928.250 59.52%
2022 -29.474.017 -130.47%
2023 22.328.136 232%
2023 24.989.654 10.65%
2024 67.787.040 63.14%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Sezzle Inc. Gross Profit
Year Gross Profit Growth
2017 -5.981
2018 716.794 100.83%
2019 7.895.339 90.92%
2020 35.870.273 77.99%
2021 70.591.381 49.19%
2022 74.353.358 5.06%
2023 119.060.108 37.55%
2023 112.982.857 -5.38%
2024 128.971.924 12.4%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Sezzle Inc. Net Profit
Year Net Profit Growth
2017 -1.770.574
2018 -4.193.552 57.78%
2019 -13.061.353 67.89%
2020 -32.392.740 59.68%
2021 -75.168.363 56.91%
2022 -38.093.756 -97.32%
2023 5.177.600 835.74%
2023 7.098.022 27.06%
2024 118.807.524 94.03%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Sezzle Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2017 -1
2018 0 0%
2019 -4 100%
2020 -7 33.33%
2021 -14 57.14%
2022 -7 -100%
2023 1 0%
2023 1 100%
2024 21 95.24%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Sezzle Inc. Free Cashflow
Year Free Cashflow Growth
2017 -909.067
2018 -6.602.237 86.23%
2019 -20.293.881 67.47%
2020 -19.562.977 -3.74%
2021 -53.312.457 63.31%
2022 7.503.771 810.48%
2023 -13.449.528 155.79%
2023 -27.056.025 50.29%
2024 -4.691.102 -476.75%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Sezzle Inc. Operating Cashflow
Year Operating Cashflow Growth
2017 -900.203
2018 -6.233.333 85.56%
2019 -19.919.563 68.71%
2020 -19.000.108 -4.84%
2021 -52.283.185 63.66%
2022 8.511.848 714.24%
2023 -13.151.377 164.72%
2023 -25.690.433 48.81%
2024 -4.257.036 -503.48%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Sezzle Inc. Capital Expenditure
Year Capital Expenditure Growth
2017 8.864
2018 368.904 97.6%
2019 374.318 1.45%
2020 562.869 33.5%
2021 1.029.272 45.31%
2022 1.008.077 -2.1%
2023 298.151 -238.11%
2023 1.365.592 78.17%
2024 434.066 -214.6%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Sezzle Inc. Equity
Year Equity Growth
2017 -2.252.375
2018 5.290.612 142.57%
2019 27.314.316 80.63%
2020 59.958.417 54.44%
2021 27.392.651 -118.89%
2022 8.843.246 -209.76%
2023 22.094.324 59.98%
2023 17.974.055 -22.92%
2024 50.289.715 64.26%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Sezzle Inc. Assets
Year Assets Growth
2017 1.180.750
2018 12.535.334 90.58%
2019 64.543.135 80.58%
2020 174.110.773 62.93%
2021 161.928.720 -7.52%
2022 172.576.538 6.17%
2023 212.645.283 18.84%
2023 179.903.359 -18.2%
2024 212.076.653 15.17%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Sezzle Inc. Liabilities
Year Liabilities Growth
2017 160.572
2018 7.244.722 97.78%
2019 37.228.819 80.54%
2020 114.152.356 67.39%
2021 134.536.068 15.15%
2022 163.733.292 17.83%
2023 190.550.959 14.07%
2023 161.929.304 -17.68%
2024 161.786.938 -0.09%

Sezzle Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
34.04
Net Income per Share
7.41
Price to Earning Ratio
21.94x
Price To Sales Ratio
4.72x
POCF Ratio
152.04
PFCF Ratio
195.69
Price to Book Ratio
18.3
EV to Sales
4.76
EV Over EBITDA
20.27
EV to Operating CashFlow
151.48
EV to FreeCashFlow
197.07
Earnings Yield
0.05
FreeCashFlow Yield
0.01
Market Cap
0,91 Bil.
Enterprise Value
0,92 Bil.
Graham Number
38.49
Graham NetNet
-1.45

Income Statement Metrics

Net Income per Share
7.41
Income Quality
0.14
ROE
1.4
Return On Assets
0.03
Return On Capital Employed
0.87
Net Income per EBT
0.92
EBT Per Ebit
0.35
Ebit per Revenue
0.14
Effective Tax Rate
0.08

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.71
Operating Profit Margin
0.14
Pretax Profit Margin
0.05
Net Profit Margin
0.04

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
1.07
Free CashFlow per Share
0.82
Capex to Operating CashFlow
0.23
Capex to Revenue
0.01
Capex to Depreciation
1.52
Return on Invested Capital
0.57
Return on Tangible Assets
0.2
Days Sales Outstanding
227.8
Days Payables Outstanding
373.94
Days of Inventory on Hand
0
Receivables Turnover
1.6
Payables Turnover
0.98
Inventory Turnover
0
Capex per Share
0.25

Balance Sheet

Cash per Share
11,20
Book Value per Share
8,88
Tangible Book Value per Share
8.5
Shareholders Equity per Share
8.88
Interest Debt per Share
14.95
Debt to Equity
1.37
Debt to Assets
0.33
Net Debt to EBITDA
0.14
Current Ratio
2.07
Tangible Asset Value
0,05 Bil.
Net Current Asset Value
0,03 Bil.
Invested Capital
101588524
Working Capital
0,10 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,11 Bil.
Average Payables
0,07 Bil.
Average Inventory
0.5
Debt to Market Cap
0.08

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Sezzle Inc. Dividends
Year Dividends Growth

Sezzle Inc. Profile

About Sezzle Inc.

Sezzle Inc. operates as a technology-enabled payments company in United States, Canada, India, and Europe. The company provides payment solution at online stores and various brick-and-mortar retail locations that connects consumers with merchants. Its platform enables customers to make online purchases and split the payment for the purchase in four equal interest free payments over six weeks. The company was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.

CEO
Mr. Charles G. Youakim
Employee
250
Address
251 North 1st Avenue
Minneapolis, 55401

Sezzle Inc. Executives & BODs

Sezzle Inc. Executives & BODs
# Name Age
1 Mr. Justin Bradley Clyne L.L.B., L.L.M., A.C.I.S., M.A.I.C.D., M.Laws, LLB
Company Sec.
70
2 Ms. Karen Hartje
Chief Financial Officer
70
3 Mr. Don McConnell
Chief Compliance Officer
70
4 Mr. Jamie Kirkpatrick
Chief Risk Officer
70
5 Mr. Charles G. Youakim
Co-Founder, Executive Chairman & Chief Executive Officer
70
6 Mr. Paul Victor Paradis
Co-Founder, Chief Revenue Officer & Executive Director
70
7 Ms. Karen M. Hartje
Chief Financial Officer
70
8 Mr. Josh Bohde
Chief Technology Officer
70
9 Mr. Justin Bradley Clyne A.C.I.S., ACIS, AGIA, Grad Dip ACG, L.L.B., L.L.M.
Company Sec.
70
10 Justin Krause
Senior Vice President of Fin. & Financial Controller
70

Sezzle Inc. Competitors