Sezzle Inc. (SEZL)

NASDAQ: SEZL · USD

$130

+2.47 (+1.9%)· Recorded snapshot

Market cap	4.4B
Revenue (ttm)	531.9M
Net income (ttm)	161.4M
EPS (ttm)	$4.55
Shares out	33.7M
P/E (trailing)	28.5x
P/E (forward)	21.4x
Volume	270,541
Beta	6.72

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 531.9M
Net income (ttm): 161.4M
EPS (ttm): $4.55
P/E (trailing): 28.5x
P/E (forward): 21.4x
Market cap: 4.4B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E21.4

P25 8.7P50 10.4P75 12.8

Trailing P/E28.5

P25 10.7P50 13.5P75 31.8

ROE88.9

P25 4.9P50 11P75 15.4

ROIC101.9

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All SEZL indicators

Market & fundamental data

Available fields

252

Groups with data

Currency

USD

Showing 252 of 252 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001662991
Company name	Sezzle Inc.
Country	United States
Country code	US
CUSIP number	78435P105
Earnings date	2026-11-04
Earnings time	amc
Employees	201
Employees change	-207
Employees growth	-50.74%
Enterprise value	$4.4B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2016
In index	RUSSELL2000
Industry	Credit Services
Is primary listing	Yes
Is SPAC	No
ISIN number	US78435P1057
Last 10-K release date	2026-02-26
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split date	2025-03-31
Last stock split type	Forward
Market cap	$4.4B
Market cap category	Mid-Cap
Next earnings date	2026-11-04
Options	Yes
Price	$129.83
Price currency	USD
Sector	Financials
SIC code	7389
Stock price date	2026-10-28
Symbol	SEZL
U.S. state	Minnesota
Website	https://www.sezzle.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	28.98x
Average P/E ratio (3Y)	22.73x
Earnings yield	3.5%
EV/Earnings	27.28x
EV/EBIT	13.98x
EV/EBITDA	13.95x
EV/FCF	16.04x
EV/Sales	8.28x
FCF / EV yield	6.24%
FCF yield	6.3%
Forward EV/Sales	6.46x
Forward P/E	21.41x
Forward P/S	6.4x
Graham number	26.6098
Graham upside	-79.46%
Industry forward P/E	19.57x
Industry P/E	22.74x
Lynch fair value	$113.69
Lynch upside	-12.22%
P/(FCF - SBC) ratio	16.31x
P/(OCF - SBC) ratio	16.25x
P/B ratio	18.4x
P/E ratio	28.55x
P/FCF ratio	15.88x
P/OCF ratio	15.83x
P/S ratio	8.2x
PEG ratio	0.08x
Price / tangible book value	18.72x
Price/EBITDA ratio	13.82x
Sector forward P/E	13.61x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	59.22%
EBITDA margin	59.34%
Effective tax rate	19.65%
FCF margin	51.63%
Gross margin	74.97%
Operating margin	59.22%
Pretax margin	37.77%
Profit margin	30.35%
Profit per employee	$803,134
Profitable quarters	16
Profitable years	3
Revenue per employee	$2.6M
ROA	48.79%
ROA (5Y)	17.55%
ROCE	88.78%
ROE	88.85%
ROE (5Y)	-5.02%
ROIC	101.9%
ROIC (5Y)	66.1%
SBC / revenue	1.35%
Tax / revenue	7.42%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	54.87%
EPS growth (Q)	50%
EPS growth (QoQ)	-20.41%
EPS growth 3Y	168.3%
EPS growth quarters	4
EPS growth years	4
FCF growth	60.13%
FCF growth (Q)	128.82%
FCF growth (QoQ)	-41.51%
FCF growth 3Y	286.4%
Gross profit growth	54.15%
Gross profit growth (Q)	56.94%
Gross profit growth 3Y	91.1%
Gross profit growth 5Y	104.83%
Net income growth	54.36%
Net income growth (Q)	47.68%
Net income growth (QoQ)	-20.54%
Net income growth 3Y	174.05%
Net income growth quarters	4
Net income growth years	4
OCF growth	60.26%
OCF growth (Q)	126.6%
OCF growth (QoQ)	-41.28%
OCF growth 3Y	283.99%
Operating income growth	49.31%
Operating income growth (Q)	50.83%
Operating income growth 3Y	128.12%
Revenue growth	43.06%
Revenue growth (Q)	51.65%
Revenue growth (QoQ)	10.44%
Revenue growth 3Y	56.68%
Revenue growth 5Y	42.22%
Revenue growth quarters	22
Revenue growth years	6

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-989,000
Depreciation and amortization	$596,000
EBIT	$315M
EBITDA	$315.6M
EPS	$4.55
FCF per share	$8.15
Financing cash flow	$-75.7M
Free cash flow	$274.6M
Free cash flow minus SBC	$267.4M
Gross profit	$398.7M
Income taxes	$39.5M
Investing cash flow	$-207.5M
Net borrowing	$-7.8M
Net cash flow	$-7.9M
Net income	$161.4M
Operating cash flow minus SBC	$268.4M
Operating income	$315M
Revenue	$531.9M
Stock-based compensation	$7.2M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	12.55
Book value per share	$6.92
Debt / EBITDA	0.39
Debt / equity	0.52
Debt / FCF	0.44
Interest coverage	22.71
Long-term assets	$48.1M
Long-term liabilities	$121.8M
Net cash (debt)	$-42.4M
Net cash / market cap	-0.97%
Net debt / EBITDA	0.13
Net debt / equity	0.18
Net debt / FCF	0.15
Piotroski F-Score	7
Shareholders' equity	$233M
Tangible book value	$233M
Tangible book value per share	$6.92
Total assets	$456.5M
Total cash	$79.8M
Total debt	$122.1M
Total liabilities	$223.5M
WACC	40.36%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	1.32
Current assets	$408.4M
Current liabilities	$101.7M
Current ratio	4.02
Net working capital	$227.2M
Quick ratio	3.84
Working capital	$306.7M
Working capital turnover	2.01

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.85%
Dividend yield	0%
Shareholder yield	0.85%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$121.41
1D price change	1.94%
1M price change	15.63%
1M total return	15.63%
1W price change	-1.08%
1W total return	-1.08%
1Y price change	68.84%
1Y return CAGR	68.9%
1Y total return	68.84%
20-day SMA	$124.68
200-day SMA	$108.02
3M price change	-17.85%
3M total return	-17.85%
3Y price change	9,383.8%
3Y return CAGR	355.93%
3Y total return	9,387.29%
50-day SMA	$120.08
50-day SMA vs 200-day SMA	50over200
52-week high	$195.71
52-week high date	2026-07-16
52-week low	$49.50
52-week low date	2025-11-18
6M price change	61.11%
6M total return	61.11%
All-time high	$195.71
All-time high date	2026-07-16
All-time low	$1.19
All-time low date	2023-10-26
Average true range (ATR)	$7.23
Average volume	450.1K
Beta (1Y)	2.15
Beta (2Y)	3.27
Beta (5Y)	6.72
Change from 52-week high	-33.66%
Change from 52-week low	162.28%
Change from all-time high	-34.19%
Change from all-time low	10,704.53%
Change from open	1.17%
Day's gap	0.76%
Dollar volume	$35.1M
High price	$130.23
Low price	$126.82
Monthly RSI	59.48
Open price	$128.33
Position in 52-week range	88.27%
Premarket change	-1.3%
Premarket close	$127.36
Premarket price	$125.70
Premarket volume	1.2K
Previous close	$127.36
Price vs 150-day SMA	6.08%
Price vs 20-day SMA	3.29%
Price vs 200-day SMA	19.23%
Price vs 50-day SMA	7.25%
Relative volume	0.6
RSI	54.05
Sharpe ratio	1
Sharpe ratio (3Y)	1.7
Sortino ratio	1.56
Sortino ratio (3Y)	3.2
Volume	270.5K
Weekly RSI	55.12
YTD price change	102.9%
YTD total return	102.9%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	18.9M
Float percentage	56.24%
Shares change (QoQ)	-0.6%
Shares change (YoY)	-0.85%
Shares held by insiders	43.74%
Shares held by institutions	44.81%
Shares outstanding	33.7M
Short % of float	22.29%
Short % of shares	12.54%
Short ratio	8.6 days

Deeper analysis on SEZL

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this SEZL report

Is a complete SEZL research report available?

No complete published report is available for Sezzle Inc. (SEZL) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Sezzle Inc. (SEZL)

Price

Financial snapshot

Fair-value bridge

Latest news · SEZL

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All SEZL indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on SEZL

Frequently asked questions