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Sezzle Inc

Financial Services AU SZL

24.35AUD
-(-%)

Last update at 2024-01-15T23:00:00Z

Day Range

24.3524.35
LowHigh

52 Week Range

--
LowHigh

Fundamentals

  • Previous Close 24.35
  • Market Cap99.63M
  • Volume0
  • P/E Ratio-
  • Dividend Yield-%
  • EBITDA38.21M
  • Revenue TTM148.73M
  • Revenue Per Share TTM26.80
  • Gross Profit TTM 33.58M
  • Diluted EPS TTM1.57

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -38.02431M -75.10995M -31.86727M -16.58425M -4.19400M
Minority interest -126.40000M -142.80000M -130.00000M -151.30000M -
Net income -38.09376M -75.16836M -31.89823M -16.59623M -4.19400M
Selling general administrative 16.41M 15.77M 64.23M 18.70M 0.94M
Selling and marketing expenses 18.97M 9.25M 44.64M 13.22M -
Gross profit -8539.52956M -7103.68336M 36.30M 8.40M 0.72M
Reconciled depreciation 0.84M 0.75M 0.43M 0.25M -
Ebit -29.42359M 2614.20M -28.36068M -11.30484M -3.18635M
Ebitda -28.58428M -69.09155M -27.06950M -10.68130M -
Depreciation and amortization 0.84M -2683.29155M 1.29M 0.62M -
Non operating income net other - - - - -
Operating income -29.42359M 2614.20M -28.36068M -11.30484M -4.09300M
Other operating expenses 166.07M 16604.90M 15603.30M 17060.30M 3.75M
Interest expense 8.60M 5.27M 4.37M 5.66M 0.00000M
Tax provision 0.07M 0.06M 0.03M 0.01M 0.00000M
Interest income 8.48M 5.27M 4.37M 5.66M 0.10M
Net interest income -8.60072M -5.26928M -5.67307M -8.07516M -
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 0.07M 0.06M 0.03M 0.01M -
Total revenue 125.57M 114.82M 58.79M 16.06M 1.63M
Total operating expenses 166.07M 184.31M 64.66M 19.70M 5.66M
Cost of revenue 8665.10M 7218.50M 22.49M 7.66M 0.92M
Total other income expense net -8.60072M -2689.30995M -3.50659M -5.27941M -0.16066M
Discontinued operations - - - - -
Net income from continuing ops -38.09376M -75.16836M -41.41552M -23.68859M -4.19355M
Net income applicable to common shares -38.09376M -75.16836M -32.39274M -13.06135M -4.53273M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 172.58M 223.40M 174.11M 64.54M 45.75M
Intangible assets 1.32M 0.91M 0.54M 0.48M 0.26M
Earning assets - - - - -
Other current assets 1.22M 1.89M 4.80M 1.64M 0.13M
Total liab 163.73M 185.61M 114.15M 37.22M 7.29M
Total stockholder equity 8.84M 37.79M 59.96M 27.32M 38.45M
Deferred long term liab - - - - -
Other current liab 14.58M 8.00M 6.68M 1.67M 0.46M
Common stock 174.98M 164.63M 111.70M 51.14M 49.90M
Capital stock 174.98M 164.63M 111.70M 51.14M 49.90M
Retained earnings -166.14045M -126.83881M -51.73985M -23.81816M -11.44500M
Other liab 0.51M - 4.48M - -0.00100M
Good will 8368.10M 8164.70M 8588.80M 11782.60M -
Other assets 0.75M 0.25M -0.10000M 0.10M 0.04M
Cash 68.28M 76.98M 84.29M 34.97M 40.27M
Cash and equivalents 68.28M 76.98M 84.29M 34.97M 6.52M
Total current liabilities 99.19M 107.56M 68.37M 15.61M 2.91M
Current deferred revenue 1.52M 2.87M 0.62M 0.27M -
Net debt -4.17275M 1.24M -82.67231M -33.82568M -35.81400M
Short term debt 0.08M 0.17M 0.14M 0.39M 0.08M
Short long term debt 311.10M 1280.30M 758.90M 2103.90M 0.11M
Short long term debt total 64.11M 78.22M 1.61M 1.14M 4.46M
Other stockholder equity -0.64397M 0.55M 4147.80M 5403.70M 0.00100M
Property plant equipment 0.37M 0.95M 0.52M 1.00M 0.08M
Total current assets 170.13M 221.29M 173.00M 62.99M 45.37M
Long term investments - - - - -
Net tangible assets 7.52M 36.88M 59.42M 26.83M -6.13275M
Short term investments - 2398.40M 2257.00M 10.00M -
Net receivables 95.89M 139.07M 82.21M 25.50M 4.96M
Long term debt 64.03M 77.96M 41.30M 21.11M 4.38M
Inventory 2642.90M 2193.40M 1962.10M 2150.00M -
Accounts payable 83.02M 96.52M 60.93M 13.28M 2.37M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - - -
Additional paid in capital - - - - -
Common stock total equity - - 145.03M 72.99M 70.70M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - -3.69132M -0.87523M - -
Accumulated amortization - - - - -
Non currrent assets other -267.44608M 0.25M 0.05M -2355.53083M 0.04M
Deferred long term asset charges - - - - -
Non current assets total 2.45M 2.11M 1.11M 1.55M 0.38M
Capital lease obligations 0.08M 0.26M 0.19M 0.56M -
Long term debt total 64.03M 77.96M 41.30M 21.11M 4.38M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -1.00808M -1.42003M -0.95294M -0.75966M -
Change to liabilities -11.41272M 35.70M 47.47M 11.01M 2.17M
Total cashflows from investing activities -1.00808M -1.42003M -0.73291M -0.53222M -0.36890M
Net borrowings -13.80000M 37.58M 19.77M 23.06M 4.45M
Total cash from financing activities -15.68789M 63.24M 77.53M 49.99M 12.84M
Change to operating activities 13.01M -98.29842M -66.24935M -25.89895M -5.24799M
Net income 1732.00M 1947.30M -1937.00000M 1274.60M -4.53273M
Change in cash -9.36751M -10.21373M 52.48M 29.54M 6.23M
Begin period cash flow 78.89M 89.10M 36.62M 7.08M -
End period cash flow 69.52M 78.89M 89.10M 36.62M 10.11M
Total cash from operating activities 2420.20M 2396.00M 3026.80M 2663.60M -6.23333M
Issuance of capital stock - 30.00M 60.89M - -
Depreciation 1402.30M 1104.90M 4832.80M 1468.10M 0.04M
Other cashflows from investing activities - - - - -
Dividends paid 458.30M 436.50M 119.10M 416.70M -
Change to inventory - - - - -
Change to account receivables -6.71074M -11.03183M -3.81039M -1.47092M -0.13310M
Sale purchase of stock -1.71233M -1.64200M -3.12815M 30.32M 8.46M
Other cashflows from financing activities 529.28M 608.47M 206.40M 466.72M -0.07090M
Change to netincome 49.89M 75.23M 29.33M 9.19M 1.41M
Capital expenditures 1.01M 1.42M 0.73M 0.53M 0.10M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -804.70000M -206.80000M 235.60M 76.50M -3.33100M
Stock based compensation - - - - -
Other non cash items 90.60M -449.40000M -104.60000M -155.60000M -
Free cash flow 2419.19M 2394.58M 3026.07M 2663.07M -

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
SZL
Sezzle Inc		 - -% 24.35 - - 0.71 3.71 0.82 6.30
ZIP
Zip Co Limited		 -0.28 8.97% 2.84 295.00 384.62 4.44 9.53 6.75 16.29
LFS
Latitude Financial Services Group Limited		 - -% 1.15 - - 2.83 0.97 6.99 16.49
CCP
Credit Corp Group Ltd		 1.16 7.65% 16.33 22.09 12.21 2.95 1.37 3.78 13.92
LFG
Liberty Financial Group Pty Ltd		 0.04 1.23% 3.29 8.58 6.52 1.64 0.81 9.63 11.12

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Profile

Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. 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 Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.

Sezzle Inc

251 North 1st Avenue, Minneapolis, MN, United States, 55401

Key Executives

Name Title Year Born
Mr. Charles G. Youakim Co-Founder, Exec. Chairman & CEO 1977
Mr. Paul Victor Paradis Co-Founder, Chief Revenue Officer & Director 1984
Ms. Karen Hartje Chief Financial Officer 1958
Mr. Don McConnell Chief Compliance Officer NA
Mr. Jamie Kirkpatrick Chief Risk Officer NA
Mr. Amin Sabzivand Sr. VP of Product NA
Mr. Justin Bradley Clyne L.L.B., L.L.M., A.C.I.S., M.A.I.C.D., M.Laws, LLB Company Sec. 1973
Justin Krause VP of Fin. & Financial Controller NA

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