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Sezzle Inc.

SEZL

$155.08 ▲ +18.13 (+13.24%) at close

7 Visible periods

28 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Sezzle Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $5.3B

Dividend Yield —

Revenue Growth 66.1% ↘

Op. Margin 39.3% ↗

ROIC 85.1% ↘

FCF / Share $6.17 ↗

Trailing P/E 39.5x

Price / Book 30.9x

FCF Yield 4.0%

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$450.28M

↑ +66.1% —

Net Income Profit after all expenses

$133.13M

↑ +69.5% —

Operating Margin Operating profit as % of sales

39.3%

↑ +29.4% 93th

FCF / Share Free cash flow per share

$6.17

↑ +59.3% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability

Returns

Financial Health

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	66.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1222%)	70.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1303%)	26.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+438%)	9.4% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+87%)	95.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1806%)	—	—
EPS Growth YoY (%)	68.7% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	1000.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	51.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-123.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	69.5% Excellent ↓ Excellent Declining Year-over-year change in net income	1006.3% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	49.3% Excellent Excellent Year-over-year change in net income	-132.1% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	59.3% Excellent Excellent Year-over-year change in free cash flow	N/M	N/M	N/M	-169.3% Weak Weak Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	53.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	33.2% Excellent Excellent Compound annual revenue growth over 3 years	39.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	50.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	39.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+227%)	30.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+153%)	13.9% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	-22.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-289%)	-59.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-598%)	-47.5% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-496%)	—
Effective Tax Rate (%) (%)	18.3% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-16.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	29.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+270%)	29.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+262%)	4.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	-30.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-479%)	-65.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-918%)	-55.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-789%)	—
FCF Margin (%) (%)	46.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	48.2% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	-16.2% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	6.7% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-63.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-42.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.57x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.66x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-3.63x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.22x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.97x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	0.78x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%)	85.1% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	109.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	92.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-322.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-181.9% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-46.6% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	44.2% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	27.6% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	10.4% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	-16.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-30.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	-16.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	78.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+423%)	89.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+496%)	32.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+114%)	—	-198.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1426%)	-54.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-460%)	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Interest Coverage (x)	11.54x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	5.86x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	1.39x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-3.31x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-13.03x Weak Weak Operating income divided by interest expense Optimal: > 5x	-6.49x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-64.05M	$-73.19M	$-67.62M	$-68.28M	$-76.98M	$-84.29M	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$13.28	$8.04	$4.74	$3.84	$3.63	$1.99	—
Basic EPS, GAAP (USD)	$3.93	$2.33	$0.21	$-1.17	$-2.41	$-1.08	—
Free Cash Flow per Share (USD)	$6.17	$3.87	$-0.77	$0.26	$-2.30	$-0.85	—
Book Value per Share (USD)	$5.02	$2.60	$0.65	$0.27	$1.17	$1.93	—
Tangible Book Value per Share (USD)	$5.02	$2.60	$0.65	$0.27	$1.17	$1.93	—
Basic Weighted Avg Shares (shares)	33.91M	33.71M	33.64M	32.66M	31.63M	29.50M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD)	$262.10M	$151.94M	$21.78M	$70.94M	$113.73M	$104.63M	—
Total Equity (USD)	$169.81M	$87.83M	$22.09M	$8.84M	$37.79M	$59.96M	$27.31M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$450.28M	$271.13M	$159.36M	$125.57M	$114.82M	$58.79M	—
Depreciation Expense (USD)	$1.36M	$965.00K	$855.80K	$847.13K	$749.11K	$428.37K	—
Net Income, GAAP (USD)	$133.13M	$78.52M	$7.10M	$-38.09M	$-75.17M	$-32.39M	—
Operating Cash Flow (USD)	$209.91M	$130.65M	$-25.69M	$8.51M	$-72.13M	$-24.81M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 7 years · 27 quarters

Sezzle Inc.

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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