Sezzle Inc. operates as a technology-enabled payments company in United States, Canada, India, and Europe.
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$6.23|
|52 Week High||AU$4.93|
|52 Week Low||AU$11.99|
|1 Month Change||1.14%|
|3 Month Change||-24.30%|
|1 Year Change||-22.22%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||183.18%|
Recent News & Updates
|SZL||AU IT||AU Market|
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.
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
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
|SZL fundamental statistics|
Is SZL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SZL income statement (TTM)|
|Cost of Revenue||US$40.34m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.27|
|Net Profit Margin||-59.44%|
How did SZL perform over the long term?See historical performance and comparison
Is Sezzle undervalued compared to its fair value and its price relative to the market?
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).
How is Sezzle forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
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.
How has Sezzle performed over the past 5 years?
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.
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.
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
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Charlie Youakim (44 yo)
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.
Experienced Management: SZL's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.
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
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 3.7%.
Sezzle Inc.'s employee growth, exchange listings and data sources
- 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
- Sezzle Inc.
- 251 1st Avenue North
- Suite 200
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/17 07:05|
|End of Day Share Price||2021/10/15 00:00|
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.