📊 IZEA Key Takeaways
Is IZEA a Good Investment? Thesis Analysis
IZEA demonstrates solid financial health with exceptional liquidity and minimal debt, but faces profitability challenges with negative operating income and marginal net profitability despite revenue decline. The company's strong cash position and positive free cash flow provide a safety net, yet the 12.9% revenue contraction and -6% operating margin indicate operational struggles that require demonstrable improvement.
IZEA Worldwide shows mixed fundamentals: the balance sheet is exceptionally strong with substantial cash, negligible debt, and solid liquidity, while operating cash flow and free cash flow remain positive. However, revenue is contracting, operating margins are still negative, and the return to near break-even net income is too thin to demonstrate durable earnings power. The company appears financially resilient, but growth quality and profitability need clearer improvement before the fundamentals strengthen materially.
Why Buy IZEA? Key Strengths
- Exceptional liquidity with 6.44x current ratio and $50.9M cash against only $8.6M liabilities
- Positive free cash flow of $2.4M with 7.6% FCF margin despite operating losses
- Zero meaningful long-term debt ($9.1K) providing financial flexibility
- Recent profitability inflection with net income turning positive and improving EPS year-over-year
- Very strong balance sheet with cash representing most of total assets and almost no long-term debt
- High liquidity with current and quick ratios of 6.44x, reducing near-term financial risk
- Positive operating cash flow and free cash flow despite weak earnings, indicating some underlying cash generation
IZEA Investment Risks to Consider
- Revenue declining 12.9% YoY indicating market share loss or demand contraction in advertising services
- Negative operating margin of -6% shows core business operations are unprofitable before financing
- Minimal net profitability of 0.1% margin leaves no buffer for operational disruptions
- 11 insider Form 4 filings in 90 days warrant investigation for potential concerning trading patterns
- Gross margin of 35% may be insufficient to cover elevated operating expenses in this sector
- Revenue declined 12.9% year over year, signaling weakening demand or execution pressure
- Operating income remains negative, with a -6.0% operating margin showing the core business is not yet consistently profitable
- Net income, ROE, and ROA are near zero, so current profitability is too weak to support a strong fundamental outlook
Key Metrics to Watch
- Revenue growth trajectory - must stabilize and return to positive growth
- Operating margin improvement - path to profitability at operating level is critical
- Operating cash flow sustainability - verify $2.4M is recurring and not one-time benefit
- Insider transaction context and magnitude - assess if selling pressure exists
- Customer concentration and retention metrics - understand revenue decline root causes
- Revenue growth trend and whether topline declines stabilize or reverse
- Operating margin improvement and consistency of positive free cash flow
IZEA Financial Metrics
💡 AI Analyst Insight
Strong liquidity with a 6.44x current ratio provides a solid financial cushion.
IZEA Profitability Ratios
IZEA vs Default Sector
How IZEA Worldwide, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is IZEA Overvalued or Undervalued?
Based on fundamental analysis, IZEA Worldwide, Inc. has mixed fundamental signals relative to the Default sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
IZEA Balance Sheet & Liquidity
IZEA 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: IZEA Worldwide, Inc.'s revenue has grown significantly by 20% over the 5-year period, indicating strong business expansion. The most recent EPS of $-1.10 indicates the company is currently unprofitable.
IZEA Growth Metrics (YoY)
IZEA Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $8.1M | $147.7K | $0.01 |
| Q2 2025 | $9.1M | $1.1M | $0.06 |
| Q1 2025 | $7.0M | -$142.8K | $-0.01 |
| Q3 2024 | $7.9M | -$2.0M | $-0.13 |
| Q1 2024 | $7.0M | -$1.0M | $-0.07 |
| Q3 2023 | $7.9M | -$906.2K | N/A |
| Q1 2023 | $8.7M | -$169.9K | N/A |
| Q2 2022 | $6.4M | -$158.4K | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
IZEA Capital Allocation
IZEA SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for IZEA Worldwide, Inc. (CIK: 0001495231)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775074108.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775074068.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775074030.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775073989.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775073950.xml | View → |
❓ Frequently Asked Questions about IZEA
What is the AI rating for IZEA?
IZEA Worldwide, Inc. (IZEA) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 62% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are IZEA's key strengths?
Claude: Exceptional liquidity with 6.44x current ratio and $50.9M cash against only $8.6M liabilities. Positive free cash flow of $2.4M with 7.6% FCF margin despite operating losses. ChatGPT: Very strong balance sheet with cash representing most of total assets and almost no long-term debt. High liquidity with current and quick ratios of 6.44x, reducing near-term financial risk.
What are the risks of investing in IZEA?
Claude: Revenue declining 12.9% YoY indicating market share loss or demand contraction in advertising services. Negative operating margin of -6% shows core business operations are unprofitable before financing. ChatGPT: Revenue declined 12.9% year over year, signaling weakening demand or execution pressure. Operating income remains negative, with a -6.0% operating margin showing the core business is not yet consistently profitable.
What is IZEA's revenue and growth?
IZEA Worldwide, Inc. reported revenue of $31.2M.
Does IZEA pay dividends?
IZEA Worldwide, Inc. does not currently pay dividends.
Where can I find IZEA SEC filings?
Official SEC filings for IZEA Worldwide, Inc. (CIK: 0001495231) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is IZEA's EPS?
IZEA Worldwide, Inc. has a diluted EPS of $0.00.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is IZEA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, IZEA Worldwide, Inc. has a HOLD rating with 62% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is IZEA stock overvalued or undervalued?
Valuation metrics for IZEA: ROE of 0.1% (sector avg: 15%), net margin of 0.1% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy IZEA stock in 2026?
Our dual AI analysis gives IZEA Worldwide, Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is IZEA's free cash flow?
IZEA Worldwide, Inc.'s operating cash flow is $2.4M, with capital expenditures of $56.7K. FCF margin is 7.6%.
How does IZEA compare to other Default stocks?
Vs Default sector averages: Net margin 0.1% (avg: 12%), ROE 0.1% (avg: 15%), current ratio 6.44 (avg: 1.8).