Profitability
Weight: 25%
A+
100
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 5.3%
- Operating Margin Trend +25.11 pp/yr
SEZL
Sezzle Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C+
60
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 12.7%
- 5yr Share-Count CAGR 3.1%
Growth Quality
Weight: 10%
A
92
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 19.5%
- 5yr EPS CAGR 320.9%
- Positive-EPS Years (5) 3/5
Cash Generation
Weight: 5%
F
0
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI -0.51x
Balance Sheet
Weight: 30%
A+
97
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 42.4%
- Interest Coverage (EBIT/Int) 12.61x
Stability
Weight: 10%
C
54
- EPS Volatility (σ/μ) 0.86
- Piotroski F-Score 8
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 2 new buys; 1 trimmed; 1 full exit.
- Holders
- 3 +1
- Avg Δ position
- -15.6%
- New buys
- 2
- Full exits
- 1