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SEZL
SEZL
Sezzle Inc
7월 27일 4:00 PM ET (한국 7/28 05:00)
$156.78
+2.89 ▲ +1.88%
🌙 7월 28일 4:01 AM ET (한국 7/28 17:01)
$156.20
-0.58 ▼ -0.37%

시즐(SEZL) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독
시가총액
$5.3B
스몰캡
P/E
37.3
적정 수준
배당수익률
없음
52주 위치
73%
저점 +217% · 고점 -20%
애널리스트
매수
B+
Fundamental health
vs. Credit Services
수익성 ⓘ
Top 12%
성장 ⓘ
Top 48%
밸류에이션 ⓘ
Top 7%
재무 안정 ⓘ
Top 45%
💰 Is this stock pricier than usual right now? ⓘ
Compared to this company's own recent 3년 (not other companies).
Very cheap
Cheap
Typical
Pricey
🔥 Very pricey
Simply put — what you pay today to own $1 of this company's yearly earnings is 35원. Over the past 3년, it usually traded around 21원. One of the priciest stretches of the past 3년.
Pricy doesn't mean bad — it means expectations are already baked in.· based on 2.9 profitable years
Index ⓘ RUTP/E ⓘ 37.31EPS (ttm) ⓘ 4.2Insider Own ⓘ 50.14%Shs Outstand ⓘ 33.6MPerf Week ⓘ -8.72%
Market Cap ⓘ 5.27BForward P/E ⓘ 23.94EPS next Y ⓘ 27.88%Insider Trans ⓘ -1.18%Shs Float ⓘ 16.8MPerf Month ⓘ -4.25%
Enterprise Value ⓘ 5.29BPEG ⓘ 0.89EPS next Q ⓘ 1.03Inst Own ⓘ 39.63%Short Float ⓘ 24.01%Perf Quarter ⓘ 99.21%
Income ⓘ 0.15BP/S ⓘ 10.96EPS this Y ⓘ 42.68%Inst Trans ⓘ -0.72%Short Ratio ⓘ 6.04Perf Half Y ⓘ 131.92%
Sales ⓘ 0.48BP/B ⓘ 26.77EPS next 5Y ⓘ 26.98%ROA ⓘ 39.41%Short Interest ⓘ 4.03MPerf YTD ⓘ 146.99%
Book/sh ⓘ 5.86P/C ⓘ 42.11EPS past 3/5Y ⓘ -ROE ⓘ 91.95%52W High ⓘ -19.89% ($195.71)Perf Year ⓘ 5.26%
Cash/sh ⓘ 3.72P/FCF ⓘ 22.05Sales past 3/5Y ⓘ 53.06% 50.26%ROIC ⓘ 43.39%52W Low ⓘ 216.73% ($49.50)Perf 3Y ⓘ -
Dividend Est. ⓘ -EV/EBITDA ⓘ 26.8EPS Y/Y TTM ⓘ 38.52%Gross Margin ⓘ 73.98%Volatility(W/M) ⓘ 6.3% 7.13%Perf 5Y ⓘ -
Dividend TTM ⓘ -EV/Sales ⓘ 11Sales Y/Y TTM ⓘ 46.14%Oper. Margin ⓘ 40.74%ATR (14) ⓘ 12.01Perf 10Y ⓘ -
Dividend Ex-Date ⓘ -Quick Ratio ⓘ 3.65EPS Q/Q ⓘ 46.89%Profit Margin ⓘ 30.83%RSI (14) ⓘ 46.75Recom ⓘ 2.14
Dividend Gr. 3/5Y ⓘ -Current Ratio ⓘ 3.65Sales Q/Q ⓘ 29.19%SMA20 ⓘ -9.44% ($173.12)Beta ⓘ 6.77Target Price ⓘ $163.67
Payout ⓘ -Debt/Eq ⓘ 0.74Earnings ⓘ 2026/8/6SMA50 ⓘ 7.85% ($145.37)Rel Volume ⓘ 0.68Prev Close ⓘ $153.89
Employees ⓘ 201LT Debt/Eq ⓘ 0.74EPS/Sales Surpr. ⓘ 18.71% 4.95%SMA200 ⓘ 76.59% ($88.78)Avg Volume(3M) ⓘ 0.67MPrice ⓘ $156.78
IPO ⓘ 2023/8/17Option/Short ⓘ Yes/YesTrades ⓘ 9898Volume ⓘ 452,134Change ⓘ 1.88%
Quarterly earnings trend SEC filings · USD
24.6
24.9
24.12*
25.3
25.6
25.9
25.12*
26.3
Revenue Net income 최근 분기: 매출 $73M (YoY +52%) · 순이익 $51M (YoY +42%)
* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Sezzle Inc (SEZL) Investment Analysis

What kind of company is Sezzle Inc?

시즐(SEZL) 초고성장주
Financial · Credit Services
#1369 by Market Cap — Mid-Cap

💳 A U.S. fintech company offering buy-now-pay-later (BNPL) services. It provides consumers with interest-free installment payments and subscription-based memberships, connecting them with merchants, and is rapidly expanding among younger consumer demographics. It is a fintech company targeting the buy-now-pay-later market.

Learn more about Sezzle Inc →
Market Cap
$5.3B
Approx. KRW 7.2 trillion
⚖️ 2% of Samsung Electronics
Market Cap Rank1369
Employees201people
IPO2023/08/17
Current Price$156.78 ≈ 214,789원
📌 RUT · NASD · USA

Key Events

⏰ Upcoming events
🔔 Earnings release D-9
8월 6일 (목) · 장 마감 후
예상 EPS $1.03
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🔔 Earnings release 2026년 5월 6일 (수) · 장 마감 후 EPS +18.7% 매출 +5.0%
🔔 Earnings release 2026년 2월 25일 (수) · 장 마감 후 EPS +25.3% 매출 +1.8%

Is it profitable?

Solid company — profitability & finances both healthy
Strong earnings and excellent financial health
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
40.7%
✓ 우수
My positionTop 25%
Low range Average High range
Credit Services Median 20.2% · Top 23%
💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수
Net Margin
Share of revenue left after taxes and interest are paid
30.8%
✓ 우수
My positionTop 5%
Low range Average High range
Credit Services Median 10.6% · Top tier
💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수
Gross Margin
Profit after subtracting raw-material costs only (signals product competitiveness)
74.0%
✓ 양호
My positionMid-range
Low range Average High range
Credit Services Median 73.7% · Top 49%
💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)
ROE
Annual return earned on shareholders' equity (15%+ is strong)
92.0%
✓ 우수
My positionTop 5%
Low range Average High range
Financial 중형주 Median 12.1% · Top tier
💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)
ROA
Annual earnings relative to total company assets
39.4%
✓ 우수
My positionTop 5%
Low range Average High range
Financial 중형주 Median 1.5% · Top tier
💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수
ROIC
Return generated per dollar invested in the business
43.4%
✓ 우수
My positionTop 5%
Low range Average High range
Financial 중형주 Median 8.4% · Top tier
💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수
Financial health — Debt & liquidity burden
Debt-to-Equity (D/E)
Debt relative to equity (lower is healthier)
0.74
✓ Healthy debt
My positionMid-range
Low range Average High range
Credit Services Median 1.64
💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)
Current Ratio
Liquid assets available to cover liabilities due within a year
3.65
✓ 양호
My positionMid-range
Low range Average High range
Credit Services Median 2.08
💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의
Quick Ratio
Liquid assets excluding inventory, available for immediate use
3.65
✓ 양호
My positionMid-range
Low range Average High range
Credit Services Median 1.96
💡 1.0 이상이면 안전, 0.5 미만이면 주의
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook
Price targets, growth, and valuation are favorable
애널리스트 목표가
$163.67
현재가 대비 +4.4%
💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균
예상 PER (Forward)
23.94배
💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인
PEG (성장 반영 밸류)
0.89
저평가
💡 PEG < 1 — 성장 대비 저렴
내년 EPS 예상 성장률
+27.9%
💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상
5년 EPS 예상 연평균
+27.0%
💡 장기 성장 전망. 15% 이상이면 고성장 기업
⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Reliability
Beat estimates in 2 of the last 2 quarters
2
예상 상회
0
예상 부합
0
예상 하회
100%
상회 비율
+20.9%
평균 서프라이즈
2026.05.06
상회
실적 $1.43 · 예상 $1.24 +15.7%
2026.02.25
상회
실적 $1.21 · 예상 $0.96 +26.0%
💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth
Mid-range within the industry
🔮 How much will it grow? (analyst forecasts)
This Year's EPS Outlook
Projected EPS growth rate for this year
+42.7%
평균
My positionMid-range
Low range Average High range
초고성장주 중형주 Median 49.3% · Bottom 46%
Next Year's EPS Outlook
Projected EPS growth rate for next year (analyst consensus)
+27.9%
평균
My positionMid-range
Low range Average High range
초고성장주 중형주 Median 31.3% · Bottom 44%
5-Year EPS CAGR Outlook
Projected average annual EPS growth over the next 5 years
+27.0%
평균
My positionMid-range
Low range Average High range
초고성장주 중형주 Median 39.1% · Bottom 30%
📊 How much has it grown? (actual results)
Past 5-Year Revenue
How much revenue grew over the past 5 years
+50.3%
우수
My positionTop 25%
Low range Average High range
초고성장주 중형주 Median 30.4% · Top 20%
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
+29.2%
양호
My positionMid-range
Low range Average High range
초고성장주 중형주 Median 18.9% · Top 39%
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.
New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Underperformed the market by 11%p over the past year
SEZL +5.3% · S&P 500 +16.0%
Excess return vs. market (price-based, ex-dividends)
1-year basis
vs S&P 500
-10.8%p
behind the market
Rank among peers
1-year return Lower-Mid (lower 43%) Based on 10 peers
Current position within 52-week range
Low (-216.7%p) High (-19.9%p)
Current price is 216.7% above the 52-week low and 19.9% below the 52-week high
Recent risk (last 120 trading days)
Max drawdown
-29.5%
Annualized volatility
88.8%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

  • close
  • BB Upper
  • BB Mid
  • BB Lower
  • Tenkan
  • Kijun
  • Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔴
Current diagnosis · 2026-07-27
Downtrend zone

Current price $156.78 below the midline ($173.13). Normal downward flow. Inside the Ichimoku cloud (neutral).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡
Current diagnosis · 2026-07-27
Neutral zone — weak trend

MACD 4.409 · Signal 9.164 · Hist -4.756. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🔴
Current diagnosis · 2026-07-27
Bearish zone

RSI 46.8 (below the neutral level of 50). Selling pressure leads, indicating a weak trend. Stoch %K is also 11.7.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Pricier than peers in its industry
Pricey on Vs. Earnings·Vs. Assets·Vs. Sales·Vs. Cash Flow
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
💵 Vs. Earnings Pricey
🏢 Vs. Assets Pricey
🧾 Vs. Sales Pricey
💧 Vs. Cash Flow Pricey
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
37.31x
✓ Very pricey
My positionBottom 25%
Low range Average High range
Credit Services median 11.51x · Bottom 9% — expensive within the industry
💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)
💵 Vs. Earnings
Forward PER Forward Price-to-Earnings Ratio
PER using next year's estimated earnings — reflects growth
23.94x
✓ Very pricey
My positionBottom 25%
Low range Average High range
Credit Services median 7.95x · Bottom 8% — expensive within the industry
💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중
🏢 Vs. Assets
PBR Price-to-Book Ratio
Price vs. the company's asset value — below 1 trades cheaper than assets
26.77x
✓ Very pricey
My positionBottom 5%
Low range Average High range
Credit Services median 1.42x · Bottom 1% — expensive within the industry
💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
10.96x
✓ Very pricey
My positionBottom 25%
Low range Average High range
Credit Services median 1.29x · Bottom 8% — expensive within the industry
💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)
💧 Vs. Cash Flow
EV/EBITDA Enterprise Value Multiple
Total enterprise value ÷ operating cash earnings — a benchmark for M&A
26.80x
✓ Very pricey
My positionBottom 5%
Low range Average High range
Credit Services median 9.53x · Bottom 4% — expensive within the industry
💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)
💧 Vs. Cash Flow
P/FCF Price-to-Free-Cash-Flow Ratio
Price vs. actual cash generation — lower means more efficient
22.05x
✓ Pricey
My positionBottom 25%
Low range Average High range
Credit Services median 5.05x · Bottom 15% — expensive within the industry
💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)
Analyst target price (reference)
$163.67 vs. current price +4.4%
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: Credit Services

Who owns it?

Ownership backdrop is unfavorable
Insider modest net selling -1.2% · Institutional modest net selling -0.7% · Short interest very high 24.0% · Short interest fell -3.6%p over the last 90 days
📈 Recent trading flow (6 months)
🧑‍💼 Insiders (executives & directors)
-1.2%
Insiders net selling
🏦 Institutions (funds & investors)
-0.7%
Institutions net selling
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 39.6%
Moderate institutional participation
Financial 중형주 Median 76.4%
🧑‍💼 Insiders 50.1%
Founder/management large holders (strong skin-in-the-game)
Financial 중형주 Median 3.1%
👤 Retail investors (estimated) 10.2%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
24.0%
Very high — strong short-side pressure
Financial 중형주 Median 5.1%
Past 90 days 📉 -3.6%p decrease
Short interest days to cover
6.0 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 33.6M주
Float (tradable shares) 16.8M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding SEZL

ETFs with the highest weightings · 10 total shown
DWAS
DWAS
Invesco Dorsey Wright SmallCap Momentum ETF
1.54%
$434M
RZG
RZG
Invesco S&P SmallCap 600 Pure Growth ETF
0.72%
$139M
FTKI
FTKI
First Trust Small Cap BuyWrite Income ETF
0.69%
$25M
FINX
FINX
Global X Funds Global X FinTech ETF
0.66%
$166M
IVSS
IVSS
Applied Finance IVS US SMID ETF
0.60%
$28M
* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
StockMarket CapPERPBRROEDividend YieldChange
SEZL SEZL This Stock
$5.3B37.3 ▼26.8 ▼91.95% ▲- +1.9%
BRK-B
$966.4B14.8 ▼1.5 ▼10.49% ▲- +0.5%
BRK-A
$963.1B14.8 ▼1.5 ▼10.49% ▲- +0.1%
JPM
$954.4B15.3 ▼2.7 ▼17.71% ▲1.8% ▼+0.8%
V
$683.1B31.9 ▼19.4 ▼59.8% ▲0.75% ▼+1.9%
MA
$487.5B31.9 ▼72.8 ▼232.56% ▲0.63% ▼+2.2%
Sector Avg-13.61.39.39%2.62%-
📊
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Related News & Content

📖 Company overview
세즐(SEZL) 뭐하는 회사일까? - 주가 전망·실적·시총·관련주·본사 총정리
세즐(SEZL)은 후불 결제 서비스를 제공하는 미국 핀테크 기업으로, 결제 거래액 성장과 활성 사용자, 구독 멤버십, 신용 손실에 실적과 주가가 좌우되며 후불 결제 성장이 특징인 종목이라 전망과 관련주에 대한 관심이 높습니다.
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2026년 미국주식 세금 총정리. 양도소득세 22% 계산법, 배당세 15% 원천징수, 손익통산, 절세 전략까지. 실제 금액 시뮬레이션과 세금 계산기로 내 세금을 직접 확인해보세요.

FAQ

What kind of company is 시즐(SEZL)?

시즐(SEZL) belongs to the Financial sector and operates in the Credit Services industry.

What is the market cap of SEZL?

The market cap of SEZL is approximately $5.3B, ranking 1,369 within its sector.

What is the P/E ratio of SEZL?

SEZL has a P/E ratio of approximately 37.3x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for SEZL?

SEZL has recorded a 52-week high of $195.71 and a low of $49.50.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.