SEZL

Sezzle Inc.

Fundamental data last updated:September 20, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company provides payment solution at online stores and various brick-and-mortar retail locations that connects consumers with merchants. Its platform enables customers to make online purchases and split the payment for the purchase in four equal interest free payments over six weeks. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.

 


VALUATION

P/E

27.10

Market Cap ($M USD)

$4.00B

Forward P/E

18.35

PEG

0.38

PRICE TO SALES

8.32

PRICE TO BOOK

20.42

EV / EBITDA

20.84

5-Year Average P/E

Free Cash Flow Yield

5.96%

DCF Value

$-11.28

Graham Number

$23.99

Price to FCF

16.78

EV to FCF

16.88

Earnings Yield

3.69%

FCF Yield

5.96%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$4.39

Next Year EPS Growth Estimate

$6.49

Next Year Revenue Growth Estimate

$753.56M

Return on Equity (ROE)

90.93%

FREE CASH FLOW

Operating Margin

40.74%

Debt-to-Equity

0.83

Piotroski F-Score

8

Altman Z-Score

12.42

Return on Invested Capital (ROIC)

57.34%

Current Ratio

3.65

Quick Ratio

3.65

Net Debt to EBITDA

0.13

Interest Coverage

24.21

Gross Profit margin

88.75%

FCF PER SHARE

$7.06

REVENUE PER SHARE

$14.24

Gainseekers Quantitative Analysis

Summary

Sezzle Inc. appears to be a paradox in valuation. Despite a snapshot price that significantly overshoots its DCF Value and Graham Number, the market seems to be pricing in robust growth expectations, as evidenced by a Forward P/E of 14.85 and a PEG ratio of 0.31. The Altman Z-score of 10.88 suggests financial stability, while an Earnings Yield of 4.56% indicates moderate income generation relative to its price. However, the stock’s valuation multiples, such as a Price/Book of 16.54, hint at potential overvaluation. The market may be betting on its future growth, but the current price level demands flawless execution.

AI Exposure / Tech Reliance

Operating within the Financial - Credit Services industry, Sezzle Inc. is well-positioned to leverage AI and modern technology. Its sector is ripe for digital transformation, allowing for enhanced customer analytics and risk management. This adaptability could provide a competitive edge in streamlining operations and improving customer experiences.

The Bull Case

For the discerning GARP investor, Sezzle Inc. offers compelling reasons to buy. A stellar ROIC of 57.34% and a Piotroski F-Score of 8 underscore its operational efficiency and financial health. The company's robust Operating Margin of 40.74% and a solid FCF Yield of 7.36% suggest strong pricing power and capital efficiency. These metrics indicate a business capable of generating substantial cash flow, making it an attractive proposition for those seeking growth at a reasonable price.

The Bear Case

Despite its strengths, Sezzle Inc. is not without risks. The Price/Sales ratio of 6.74 and Price/Book of 16.54 are alarmingly high, suggesting the stock may be overvalued. Additionally, with the stock trading close to its 52-week high, it appears technically overextended. While the company boasts impressive growth metrics, the current valuation leaves little room for error, making it vulnerable to any missteps in execution.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$85.00

Institutional Ownership %

1-Year Beta

6.92

Insider Buying % (6 Mo)

Distance to 52-Week High

56.92%

Distance to 52-Week Low

58.40%

EARNINGS SURPRISE %

15.32%

50-DAY SMA

$82.43

200-DAY SMA

$75.51

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.