Valuation
26% of the score, 30% here after data gaps
37median 56
Sezzle Inc. is valued at 31.1x its operating profit, including debt: a very rich multiple.
60x
50x
35x
25x
18x
12x
8x
31.1x
Full points at 8x or less, none from 60xfull points
SEZLSezzle Inc.
$108.28+23% 1Y
$108.28
$50.9752 weeks$188.06
RyuScore
Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.
RyuScore 81 out of 100, Strong
Strong. Sezzle Inc. scores higher than 95% of the 1,794 companies Ryufin scores.
Carried by return on capital and return on new capital, held back by valuation.
Financial Services median 63 · all companies 57
How the score has moved
At each fiscal year end, from the reports and price of the time49
71
81
20232024today
The biggest move was up 22 points from 2023 to 2024, mostly return on new capital.
Return on capital
18% of the score, 20% here after data gaps
100median 34
Over 5 years the business earned 43% a year after tax on the capital it uses.
2%
8%
15%
25%
43%
None at 2% or less, full points from 25%full points
5 years agolatest 79%
Return on new capital
16% of the score, 18% here after data gaps
100median 49
For every dollar of operating profit earned over 6 years, yearly profit grew by 108 cents. New capital earned 106%, and 102% of profit went back into the business.
-5%
12%
108%
None at minus 5 cents, full points from 12 centsfull points
Capital allocation
14% of the score, 16% here after data gaps
100median 67
How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.
Share countDown 49.8% a year over 5 years: buybacks
1005%
-3%
-50%
0 pointsfull points
Assets against salesAssets grew 18% a year, sales 50%
10012%
-2%
-32%
0 pointsfull points
Cycle position
Taken out: its 12% is shared by the others
n/ano data
Margins have been too thin to measure a cycle against.
Balance sheet
8% of the score, 9% here after data gaps
100median 50
What the debt weighs against the profit that has to carry it.
Interest coverOperating profit covers interest 13x
1001.5x
12x
12.6x
0 pointsfull points
Earnings quality
6% of the score, 7% here after data gaps
100median 90
Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.
Cash against profitOperating cash flow was 1.44x profit over 3 years
1000.7x
1x
1.3x
1.4x
0 pointsfull points
AccrualsCash ran ahead of profit by 22% of assets
1008%
0%
-8%
-22%
0 pointsfull points
How the RyuScore works
Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. For SEZL, cycle position could not be measured from the filings, so it is taken out and the remaining weights scale up.
Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there.
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