Value
5.9/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 5.4 |
| P/S | 4.8 |
| EV/EBITDA | 3.7 |
| Fwd P/E | 7.1 |
| PEG | 10.0 |
| Analyst target | 3.0 |
- ▸Forward P/E: 17.8x
- ▸PEG: 0.07
SEZL · Why this verdict
Why Sezzle (SEZL) is rated BUY WAIT
Updated
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VerdictBUY WAIT
Overall score6.5/10
ConfidenceHIGH
MacroRISK_OFF
Per-dimension breakdown
Quality
8.9/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 10.0 |
| ROA | 10.0 |
| Gross margin | 10.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Current ratio | 9.3 |
| FCF quality | 3.9 |
| Moat | 8.2 |
| Rule of 40 | 7.5 |
| Piotroski F | 10.0 |
- ▸Excellent ROE: 92%
- ▸Strong margins: 31%
- ▸Earnings quality RED FLAG: 49% FCF/NI
- ▸Wide economic moat
Growth
9.9/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 9.8 |
| EPS growth | 10.0 |
- ▸Strong growth: 29% YoY
Momentum
4.8/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 5.0 |
| MACD | 0.9 |
| OBV | 5.7 |
| MA position | 8.0 |
| Volume | 4.3 |
- ▸Above 200-MA but MA slope flat
Sentiment
6.7/10data confidence 100%| Component | Sub-score |
|---|---|
| LLM sentiment | 8.5 |
| Analyst rating | 6.6 |
| Price target | 4.9 |
- ▸LLM news sentiment: +0.70 (n=1)
- ▸Light analyst coverage (6.0) — signal dampened
Insider
3.4/10data confidence 75%| Component | Sub-score |
|---|---|
| materiality | 3.0 |
| insider conviction | 2.0 |
| holder change | 5.1 |
- ▸Notable insider selling — $4,356,693 (0.112% of mkt cap)
Peer rank
5.7/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 1.8 |
| quality rank | 8.3 |
| growth rank | 7.6 |
- ▸Superior ROE vs peers
Technical
2.7/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 1.7 |
| support resistance | 1.0 |
| 52w position | 3.0 |
| gap | 5.0 |
Risk (lower is worse)
4.8/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 10.0 |
| days to cover | 3.9 |
| volatility | 0.0 |
| put call | 8.7 |
| implied vol | 0.0 |
| max pain risk | 3.0 |
| debt equity | 6.6 |
| news risk | 6.0 |
- ▸Short squeeze setup: 29% short, quality 7.5
- ▸High IV: 82%
- ▸Above max pain $35
- ▸Concentration risks: 1 HIGH (10-K Item 1A — sized via position_sizing, validated via buy_confidence)
Catalyst
7.0/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 10.0 |
| news activity | 5.0 |
- ▸Perfect beat streak: 4Q
How the verdict was assembled
Engine trigger
Growth is cheap relative to earnings, but the technical setup has not yet produced a breakout above resistance (PEG 0.07, quality 8.9/10, growth 9.9/10).
Engine technical detail
verdict_path:
L4:PATH_C2_GARP_WAITPassed (6)
- MOMENTUM:4.8>=4.5
- INSIDER:OK
- NEWS_BOOST:ANALYST:0.70
- EARNINGS_PROXIMITY:59d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (2)
- ASYMMETRY:-0.9=NEGATIVE
- 8K_CRITICAL:4.01,4.02
Warning (1)
- MOMENTUM:4.8<5.5 (soft — BUY_NOW allowed but watch)
Reward-to-Risk
-0.91
Upside
-13.6%
Downside
15.0%
Sizing output
STARTER
SetupUNKNOWN — No clear chart pattern; technical signals are mixed
EdgeNO_EDGE — No clear edge identified
SuitabilityAGGRESSIVE — Beta 6.97>1.3, MCap $3.9B<$5B
Investment implication
The C-path quality+growth combination triggered the STRONG_BUY_WAIT verdict: quality 8.9 and growth 9.9 both clear their thresholds, with asymmetric R:R of -0.91 supporting the read.
The strongest dimensions are Growth at 9.9, Quality at 8.9, and Catalyst at 7.0; the weakest are Technical at 2.7, Insider at 3.4, and Risk (lower is worse) at 4.8. The V9 engine flagged 2 failed gates with 1 warning, producing an asymmetric reward-to-risk of -0.91 and an engine sizing output of STARTER.