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SZL

SezzleASX:SZL Stock Report

Market Cap

AU$1.3b

7D

6.3%

1Y

-22.2%

Updated

17 Oct, 2021

Data

Company Financials +
SZL fundamental analysis
Snowflake Score
Valuation0/6
Future Growth2/6
Past Performance0/6
Financial Health4/6
Dividends0/6

SZL 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$6.23
52 Week HighAU$4.93
52 Week LowAU$11.99
Beta3.55
1 Month Change1.14%
3 Month Change-24.30%
1 Year Change-22.22%
3 Year Changen/a
5 Year Changen/a
Change since IPO183.18%

Recent News & Updates

Shareholder Returns

SZLAU ITAU Market
7D6.3%0.7%0.9%
1Y-22.2%9.0%20.2%

Return vs Industry: SZL underperformed the Australian IT industry which returned 9% over the past year.

Return vs Market: SZL underperformed the Australian Market which returned 20.2% over the past year.

Price Volatility

Is SZL's price volatile compared to industry and market?
SZL volatility
SZL Beta3.55
Industry Beta1.68
Market Beta1

Stable Share Price: SZL is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 9% a week.

Volatility Over Time: SZL's weekly volatility (9%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2016333Charlie Youakimhttps://www.sezzle.com

Sezzle Inc. operates as a technology-enabled payments company in United States, Canada, India, and Europe. The company provides a payments platform that facilitates payments between 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 CapUS$941.47m
Earnings (TTM)-US$54.61m
Revenue (TTM)US$91.88m

10.2x

P/S Ratio

-17.2x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
SZL income statement (TTM)
RevenueUS$91.88m
Cost of RevenueUS$40.34m
Gross ProfitUS$51.54m
ExpensesUS$106.15m
Earnings-US$54.61m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.27
Gross Margin56.09%
Net Profit Margin-59.44%
Debt/Equity Ratio44.1%

How did SZL perform over the long term?

See historical performance and comparison

Valuation

Is Sezzle undervalued compared to its fair value and its price relative to the market?

20.97x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate SZL's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate SZL's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: SZL is unprofitable, so we can't compare its PE Ratio to the Australian IT industry average.

PE vs Market: SZL is unprofitable, so we can't compare its PE Ratio to the Australian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate SZL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: SZL is overvalued based on its PB Ratio (21x) compared to the AU IT industry average (3.4x).


Future Growth

How is Sezzle forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

19.9%

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 (34.7% per year) is forecast to grow faster than the Australian market (5.5% per year).

High Growth Revenue: SZL's revenue (34.7% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: SZL is forecast to be unprofitable in 3 years.


Past Performance

How has Sezzle performed over the past 5 years?

-73.8%

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 73.8% 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 (-11.2%).


Return on Equity

High ROE: SZL has a negative Return on Equity (-121.61%), as it is currently unprofitable.


Financial Health

How is Sezzle's financial position?


Financial Position Analysis

Short Term Liabilities: SZL's short term assets ($164.8M) exceed its short term liabilities ($101.6M).

Long Term Liabilities: SZL's short term assets ($164.8M) exceed its long term liabilities ($19.8M).


Debt to Equity History and Analysis

Debt Level: SZL's debt to equity ratio (44.1%) is considered high.

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 more than 3 years if free cash flow continues to reduce at historical rates of 50.8% each year


Dividend

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


Dividend Yield vs Market

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.


Current Payout to Shareholders

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


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of SZL's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.


Next Steps

Management

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

1.3yrs

Average management tenure


CEO

Charlie Youakim (44 yo)

no data

Tenure

US$250,000

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

Compensation vs Market: Charlie's total compensation ($USD250.00K) is below average for companies of similar size in the Australian market ($USD998.78K).

Compensation vs Earnings: Charlie's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: SZL's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.


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

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 3.7%.


Top Shareholders

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
  • Market Cap: AU$1.268b
  • Shares outstanding: 203.60m
  • Website: https://www.sezzle.com

Number of Employees


Location

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

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/17 07:05
End of Day Share Price2021/10/15 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.