Discounted Cash Flow

Sezzle Inc.

SEZL · Based on 10 years of SEC filings

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2020 $58.8m $-32.4m $-25.2m -55.1% $-0.17
2021 $114.8m (95.3%) $-75.2m (-132.1%) $-72.8m (-188.7%) -65.5% (-18.8%) $-0.38 (-123.5%)
2022 $125.6m (9.4%) $-38.1m (49.3%) $8.5m (111.6%) -30.3% (53.7%) $-0.18 (52.6%)
2023 $159.4m (26.9%) $7.1m (118.6%) $-25.8m (-404.6%) 4.5% (114.7%) $1.27 (803.4%)
2024 $271.1m (70.1%) $78.5m (1006.3%) $40.8m (258.4%) 29.0% (550.2%) $13.98 (1003.8%)
2025 $450.3m (66.1%) $133.1m (69.5%) $209.3m (412.5%) 29.6% (2.1%) $3.93 (-71.9%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model