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SZL

Sezzle ASX:SZL Stock Report

Last Price

AU$0.44

Market Cap

AU$101.0m

7D

-15.4%

1Y

-92.1%

Updated

03 Oct, 2022

Data

Company Financials +
SZL fundamental analysis
Snowflake Score
Valuation3/6
Future Growth2/6
Past Performance0/6
Financial Health5/6
Dividends0/6

SZL Stock Overview

Sezzle Inc. operates as a technology-enabled payments company in United States, Canada, India, and Europe.

Sezzle Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Sezzle
Historical stock prices
Current Share PriceAU$0.44
52 Week HighAU$6.31
52 Week LowAU$0.18
Beta4.75
1 Month Change-28.46%
3 Month Change12.82%
1 Year Change-92.06%
3 Year Change-81.97%
5 Year Changen/a
Change since IPO-80.00%

Recent News & Updates

Shareholder Returns

SZLAU ITAU Market
7D-15.4%-1.3%-1.7%
1Y-92.1%-11.2%-10.8%

Return vs Industry: SZL underperformed the Australian IT industry which returned -11.2% over the past year.

Return vs Market: SZL underperformed the Australian Market which returned -10.8% over the past year.

Price Volatility

Is SZL's price volatile compared to industry and market?
SZL volatility
SZL Average Weekly Movement39.7%
IT Industry Average Movement10.9%
Market Average Movement9.4%
10% most volatile stocks in AU Market16.5%
10% least volatile stocks in AU Market4.2%

Stable Share Price: SZL is more volatile than 90% of Australian stocks over the past 3 months, typically moving +/- 40% a week.

Volatility Over Time: SZL's weekly volatility has increased from 23% to 40% over the past year.

About the Company

FoundedEmployeesCEOWebsite
2016540Charlie Youakimhttps://www.sezzle.com

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.

Sezzle Fundamentals Summary

How do Sezzle's earnings and revenue compare to its market cap?
SZL fundamental statistics
Market CapAU$100.96m
Earnings (TTM)-AU$136.33m
Revenue (TTM)AU$183.60m

0.5x

P/S Ratio

-0.7x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
SZL income statement (TTM)
RevenueUS$118.29m
Cost of RevenueUS$57.87m
Gross ProfitUS$60.42m
Other ExpensesUS$148.25m
Earnings-US$87.83m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)-0.41
Gross Margin51.08%
Net Profit Margin-74.25%
Debt/Equity Ratio38,808.9%

How did SZL perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is SZL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for SZL?

Other financial metrics that can be useful for relative valuation.

SZL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue0.5x
Enterprise Value/EBITDA-3.9x
PEG Ration/a

Price to Sales Ratio vs Peers

How does SZL's PS Ratio compare to its peers?

SZL PS Ratio vs Peers
The above table shows the PS ratio for SZL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPSEstimated GrowthMarket Cap
Peer Average2.1x
SPT Splitit Payments
4.5x80.2%AU$71.8m
CCA Change Financial
2.2xn/aAU$27.7m
EML EML Payments
1.2x10.4%AU$299.1m
LBY Laybuy Group Holdings
0.3xn/aAU$14.6m
SZL Sezzle
0.5x4.7%AU$101.0m

Price-To-Sales vs Peers: SZL is good value based on its Price-To-Sales Ratio (0.5x) compared to the peer average (2.1x).


Price to Earnings Ratio vs Industry

How does SZL's PE Ratio compare vs other companies in the AU IT Industry?

Price-To-Sales vs Industry: SZL is good value based on its Price-To-Sales Ratio (0.5x) compared to the Australian IT industry average (1.6x)


Price to Sales Ratio vs Fair Ratio

What is SZL's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

SZL PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio0.5x
Fair PS Ratio2.2x

Price-To-Sales vs Fair Ratio: SZL is good value based on its Price-To-Sales Ratio (0.5x) compared to the estimated Fair Price-To-Sales Ratio (2.2x).


Share Price vs Fair Value

What is the Fair Price of SZL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate SZL's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate SZL's fair value for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.


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Future Growth

How is Sezzle forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

Future Growth Score

2/6

Future Growth Score 2/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


15.7%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: SZL is forecast to remain unprofitable over the next 3 years.

Earnings vs Market: SZL is forecast to remain unprofitable over the next 3 years.

High Growth Earnings: SZL is forecast to remain unprofitable over the next 3 years.

Revenue vs Market: SZL's revenue (4.7% per year) is forecast to grow faster than the Australian market (3.6% per year).

High Growth Revenue: SZL's revenue (4.7% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: SZL's Return on Equity is forecast to be very high in 3 years time (83.4%).


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Past Performance

How has Sezzle performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-65.8%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: SZL is currently unprofitable.

Growing Profit Margin: SZL is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: SZL is unprofitable, and losses have increased over the past 5 years at a rate of 65.8% per year.

Accelerating Growth: Unable to compare SZL's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: SZL is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (9.1%).


Return on Equity

High ROE: SZL has a negative Return on Equity (-59450.11%), as it is currently unprofitable.


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Financial Health

How is Sezzle's financial position?

Financial Health Score

5/6

Financial Health Score 5/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Stable Cash Runway

  • Forecast Cash Runway

Financial Position Analysis

Short Term Liabilities: SZL's short term assets ($158.0M) exceed its short term liabilities ($102.6M).

Long Term Liabilities: SZL's short term assets ($158.0M) exceed its long term liabilities ($57.3M).


Debt to Equity History and Analysis

Debt Level: SZL has more cash than its total debt.

Reducing Debt: Insufficient data to determine if SZL's debt to equity ratio has reduced over the past 5 years.


Balance Sheet


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: SZL has sufficient cash runway for more than a year based on its current free cash flow.

Forecast Cash Runway: SZL has sufficient cash runway for 2.3 years if free cash flow continues to reduce at historical rates of 55.7% each year.


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Dividend

What is Sezzle current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage

Dividend Yield vs Market

Sezzle Dividend Yield vs Market
How does Sezzle dividend yield compare to the market?
SegmentDividend Yield
Company (Sezzle)n/a
Market Bottom 25% (AU)2.8%
Market Top 25% (AU)7.1%
Industry Average (IT)2.5%
Analyst forecast in 3 Years (Sezzle)0%

Notable Dividend: Unable to evaluate SZL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate SZL's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if SZL's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if SZL's dividend payments have been increasing.


Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as SZL has not reported any payouts.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

3.0yrs

Average management tenure


CEO

Charlie Youakim (45 yo)

6.75yrs

Tenure

US$6,191,716

Compensation

Mr. Charles G. Youakim, also known as Charlie, is the Executive Chairman and Chief Executive Officer of Sezzle Inc. Mr. Youakim co-founded Sezzle Inc in 2016 and Director since January 4, 2016. Charlie is...


CEO Compensation Analysis

Charlie Youakim's Compensation vs Sezzle Earnings
How has Charlie Youakim's remuneration changed compared to Sezzle's earnings?
DateTotal Comp.SalaryCompany Earnings
Jun 30 2022n/an/a

-US$88m

Mar 31 2022n/an/a

-US$92m

Dec 31 2021US$6mUS$250k

-US$75m

Sep 30 2021n/an/a

-US$65m

Jun 30 2021n/an/a

-US$55m

Mar 31 2021n/an/a

-US$39m

Dec 31 2020US$348kUS$250k

-US$32m

Sep 30 2020n/an/a

-US$21m

Jun 30 2020n/an/a

-US$16m

Mar 31 2020n/an/a

-US$15m

Dec 31 2019US$510kUS$212k

-US$13m

Compensation vs Market: Charlie's total compensation ($USD6.19M) is above average for companies of similar size in the Australian market ($USD273.55K).

Compensation vs Earnings: Charlie's compensation has increased whilst the company is unprofitable.


Leadership Team

Experienced Management: SZL's management team is considered experienced (3 years average tenure).


Board Members

Experienced Board: SZL's board of directors are considered experienced (3.5 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

ASX:SZL Recent Insider Transactions by Companies or Individuals
DateValueNameEntityRoleSharesMax Price
30 Mar 22SellAU$9,093Candice CiresiIndividual6,323AU$1.44
17 Mar 22SellAU$231,449Killian BrackeyIndividual150,000AU$1.54
16 Mar 22SellAU$376,786Killian BrackeyIndividual265,000AU$1.49
10 Mar 22SellAU$664,266Killian BrackeyIndividual431,437AU$1.58

Ownership Breakdown

What is the ownership structure of SZL?
Owner TypeNumber of SharesOwnership Percentage
Institutions10,013,3724.7%
General Public99,643,40046.9%
Individual Insiders102,886,52948.4%

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 4.5%.


Top Shareholders

Top 13 shareholders own 53.12% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
41.58%
Charles Youakim
88,368,983$38.9m0.01%no data
4.71%
Paul Paradis
10,009,443$4.4m0.09%no data
4.58%
Continental Investment Partners SA
9,739,407$4.3m3.73%11.26%
1.95%
Killian Brackey
4,153,563$1.8m-0.64%no data
0.12%
Kathleen Pierce-Gilmore
252,778$111.2k0%no data
0.072%
BetaShares Capital Limited
153,443$67.5k1.65%no data
0.033%
Abaris Investment Management AG
70,000$30.8k-88.89%0.03%
0.024%
Paul Lahiff
50,000$22.0k0%no data
0.022%
Geode Capital Management, LLC
47,609$20.9k0.95%no data
0.013%
Karen Hartje
27,412$12.1k398.76%no data
0.0092%
Justin Krause
19,569$8.6k0%no data
0.0022%
Joshua Bohde
4,781$2.1k0%no data
0.0014%
Baillie Gifford & Co.
2,913$1.3k0%no data

Company Information

Sezzle Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Sezzle Inc.
  • Ticker: SZL
  • Exchange: ASX
  • Founded: 2016
  • Industry: Data Processing and Outsourced Services
  • Sector: Software
  • Implied Market Cap: AU$100.958m
  • Shares outstanding: 212.54m
  • Website: https://www.sezzle.com

Number of Employees


Location

  • Sezzle Inc.
  • 251 North 1st Avenue
  • Suite 200
  • Minneapolis
  • Minnesota
  • 55401
  • United States


Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SZLASX (Australian Securities Exchange)YesNPV CDI 1:1AUAUDJul 2019
SZLCHIA (Chi-X Australia)YesNPV CDI 1:1AUAUDJul 2019
0SEADB (Deutsche Boerse AG)YesNPV CDI 1:1DEEURJul 2019
SEZN.LOTCPK (Pink Sheets LLC)YesNPV CDI 1:1USUSDJul 2019

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/10/03 00:00
End of Day Share Price2022/10/03 00:00
Earnings2022/06/30
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.