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Sezzle (SEZL) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Sezzle
NasdaqCM•Financial Services•Credit Services
$117.32-1.75(-0.01%)Pre-market
Market Cap
$3.80B
P/E
23.6x
P/S
7.2x
P/B
16.3x

Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada. The company offers Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; Pay-in-five which allows eligible consumers to pay a fifth of the purchase price up front, and then another four installments every two weeks; Pay-in-Two, which allow consumer to pay half of the value of their order up-front and the second half in two weeks; and other alternative installment options. It also provides Sezzle Virtual Card that allows consumers to access the Sezzle Platform in the form of merchants in-store and online with merchants that are not directly integrated with Sezzle; Sezzle Anywhere, a paid subscription service that allows consumers to use their Sezzle Virtual Card at any merchant online or in-store; Sezzle On-Demand, a service that allows consumers who are not subscribed to Sezzle Anywhere to use the Sezzle Platform at any merchant online or in-store; Sezzle Premium, a paid subscription service that allows its consumers to access large, non-integrated premium merchants; Sezzle Balance, a stored-value product that allows consumers to maintain funds in Sezzle account for use toward eligible purchases or make payments on the Sezzle Platform; and Sezzle Up, an opt-in feature of the Sezzle Platform. In addition, the company offers Long-Term Lending through collaboration with third-party lenders. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.

A

How this company scores

ExcellentMetricSide Score: 85/100

Strongest: Growth (24/25); weakest: Balance Sheet & Red Flags (15/25).

Profitability22/25
Growth24/25
Balance Sheet & Red Flags15/25
Cash & Earnings Quality24/25
Strengths
Growing revenueRising free cash flowStrong marginsHigh ROE

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 23.6x5y range 11.1x – 57.8x
P/E 23.6x · above its 13-quarter median

Currently above its 13-quarter median.

P/S · 7.2x5y range 0.5x – 134.3x
P/S 7.2x · above its 18-quarter median

Currently above its 18-quarter median.

P/B · 16.3x5y range 4.1x – 113691.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume
Market Cap $3.80B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$531.89M
7Q
Q. Revenue
$149.68M
4Q
TTM EBITDA
$216.50M
7Q
TTM Op. Income
$214.81M
7Q
Q. Op. Income
$54.96M
52%
TTM Net Income
$161.43M
4Q
Q. Net Income
$40.77M
48%
EPS
$1.21
48%
Shares Out.
$33.63M
3Q
$531.89M in TTM revenue grew 43.1% YoY, reaching $149.68M last quarter. TTM EBITDA of $216.50M and TTM operating income of $214.81M show growth is flowing through to the bottom line. TTM net income of $161.43M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin
37.1%
0%
Op. Margin
36.7%
0%
Net Margin
27.2%
3%
Op. margin of 36.7% is up 0.2% YoY — cost efficiency is improving. Net margin at 27.2% Over the past year, operating margin is up 0% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
23.6x
59%
P/S Ratio
7.2x
56%
P/B Ratio
16.3x
65%
At 23.6x P/E, the stock trades within typical market levels. P/S of 7.2x and P/B of 16.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 59% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$456.47M
5Q
Cash
$79.76M
10%
Long-Term Debt
N/A
Book Value
$232.97M
7Q
D/E Ratio
N/A
Debt/EBITDA
0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$52.25M
2Q
TTM Free Cash Flow
$327.62M
4Q
FCF Margin
61.6%
4Q
FCF / Net Income
2.0
4Q
TTM FCF of $327.62M on $52.25M in operating cash flow. The FCF / Net Income ratio of 2.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.

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· near its 20-quarter median

Currently near its 20-quarter median.