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Sezzle Inc. (SEZL)

合理估值
Financial ServicesCredit ServicesUnited States

基本面

80

价格

$107.85

市值

$3.64B

第一部分 · 这家公司值多少

概览

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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Who this company fights with for the same customers

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资产负债表与流动性

营收

$294M

最近12个月(截至2026/6/30)

净利润

$161M

最近12个月(截至2026/6/30)

自由现金流

$209M

股东权益合计

$170M

负债合计

$230M

流动比率

4.02

利息覆盖率

15.49

债务/EBITDA

0.69

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

债务负担有多重

增长一览表

增长 — 营业收入

公允价值估算

一般情形合理估值

公允价值

$107.45

当前价格

$107.85

安全边际

-0.4%

公允价值区间

$69.84 - $145.05

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$168.00
现金流折现法(DCF):$52.97
市盈率法(P/E):$81.62
格雷厄姆成长公式:$74.24
盈利能力价值(EPV):$27.15
合理市净率(P/B):$26.92
股息折现模型(戈登模型):数据不足,无法计算
P/FFO(运营资金):$63.90
周期中段收益:数据不足,无法计算
市销率法(P/S):$40.08
分析师共识:买入 (9B / 4H / 0S)
最近财报超预期:+7.91%

估值指标

市盈率(P/E)

23.59

ROE

78.4%

市净率(P/B)

15.62

P/FCF

13.25

毛利率

-

ROIC

47.8%

盈利能力雷达图

价值创造(经济护城河)

ROIC

47.8%

WACC

17.7%

ROIC − WACC

+30.1 pp

ROIC 超过资本成本:公司正在为股东创造价值。

基本面分析标准

通过(20)

  • EPS shows upward trend
  • Price CAGR 214.91%
  • ROIC 47.8%
  • P/FCF 13.25
  • 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 85.5%
  • Revenue Growth 5Y 50.3%
  • Analyst Consensus 69% Buy
  • Earnings Surprise avg 12.9%
  • Earnings Quality (OCF/NI) 1.71
  • Share Dilution -0.2%
  • Piotroski F-Score 8/9

未通过(4)

  • P/B Ratio 15.62
  • Price below Graham Number
  • DCF valuation (Overvalued)
  • Net Margin Trend 55.0% vs 56.8%

不可用(3)

  • Gross Margin NaN%
  • Dividend Payout NaN%
  • PEG Ratio (need PE > 0 and growth > 0)

Piotroski F-评分

8/9

财务状况强健

score
criteria

盈利质量

1.71

高质量:盈利有现金流支撑

股权稀释

-0.2%

正在回购股份,对股东友好

机构持股

公司治理

管理团队

姓名职位年龄
Mr. Charles G. YouakimCo-Founder, Executive Chairman & CEO48
Mr. Paul Victor ParadisCo-Founder, President & Executive Director41
Mr. Lee Dickson Brading C.F.A.Chief Financial Officer57
Mr. Amin SabzivandChief Operating Officer36
Justin KrauseSenior VP of Finance & Financial Controller-

审计风险

10

董事会风险

9

薪酬风险

8

股东权利风险

2

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-26

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-08-07

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-08-28

    查看文件

via SEC EDGAR

损益历史

via SEC EDGAR

Latest News

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