SEZL - Sezzle Inc.

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	29.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+484%)	32.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+544%)	67.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1239%)	76.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1427%)	123.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2366%)	100.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1917%)	71.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1326%)	60.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1104%)	35.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+610%)	27.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+455%)	34.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+586%)	19.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+289%)	25.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+409%)	16.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+225%)	6.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+35%)	5.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	6.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	49.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+882%)	78.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1478%)	120.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2315%)	—	—	—	—	—	—
EPS Growth YoY (%)	42.1% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	68.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	67.7% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-6.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	355.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	765.4% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	1113.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	2525.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	354.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	300.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-69.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	N/M	30.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-133.3% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-62.5% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-125.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-400.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	41.9% Excellent ↓ Excellent Declining Year-over-year change in net income	68.3% Excellent ↓ Excellent Declining Year-over-year change in net income	72.7% Excellent ↓ Excellent Declining Year-over-year change in net income	-7.1% Weak ↓ Weak Declining Year-over-year change in net income	351.7% Excellent ↓ Excellent Declining Year-over-year change in net income	763.0% Excellent ↓ Excellent Declining Year-over-year change in net income	1093.3% Excellent → Excellent Stable Year-over-year change in net income	2505.9% Excellent ↑ Excellent Improving Year-over-year change in net income	364.3% Excellent ↑ Excellent Improving Year-over-year change in net income	363.4% Excellent Excellent Year-over-year change in net income	-70.2% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	N/M	20.9% Good ↑ Good Improving Year-over-year change in net income	-146.5% Weak ↑ Weak Improving Year-over-year change in net income	-61.7% Weak ↑ Weak Improving Year-over-year change in net income	-130.7% Weak Weak Year-over-year change in net income	-396.9% Weak Weak Year-over-year change in net income	—	—	—	—	—	—
FCF Growth YoY (%)	51.1% Excellent Excellent Year-over-year change in free cash flow	—	—	—	52.8% Excellent Excellent Year-over-year change in free cash flow	—	—	—	N/M	—	—	—	N/M	—	—	—	N/M	—	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	57.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	50.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	56.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	50.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	56.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	43.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	34.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	26.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	21.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	30.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	36.9% Excellent Excellent Compound annual revenue growth over 3 years	40.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	39.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	42.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	49.0% Excellent Excellent Compound annual revenue growth over 5 years	50.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	208.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	287.4% Excellent Excellent Compound annual EPS growth over 3 years	83.3% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	50.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+324%)	42.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+255%)	30.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+154%)	36.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+205%)	47.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+296%)	31.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+162%)	29.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+148%)	29.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+149%)	29.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+145%)	15.7% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	13.1% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	10.8% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	15.6% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	12.4% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.4% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	-46.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-486%)	-94.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-888%)	-73.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-716%)	-62.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-618%)	-64.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-633%)	-33.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-383%)	-66.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-652%)	-44.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-468%)	-22.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-284%)	—	—
Effective Tax Rate (%) (%)	22.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-118.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.2% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.2% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent ↓ Excellent Declining 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 Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	37.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+373%)	32.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+311%)	22.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+185%)	28.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+250%)	34.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+331%)	25.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+223%)	22.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+176%)	53.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+563%)	17.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+113%)	6.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	3.2% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	3.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	5.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	1.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	14.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	-51.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-745%)	-101.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1366%)	-78.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1084%)	-66.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-927%)	-68.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-956%)	-43.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-645%)	-72.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1008%)	-51.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-741%)	-30.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-480%)	—	—
FCF Margin (%) (%)	65.4% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	118.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	28.2% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	-30.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	56.1% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	92.3% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	82.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	-30.8% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-11.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	3.7% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	28.1% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	-124.6% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-21.5% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-103.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-30.5% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—
FCF / Net Income (x)	1.73x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	3.61x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.23x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	-1.10x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.63x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	3.57x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	4.82x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	-5.12x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	-2.39x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	2.21x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	-0.28x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	1.58x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	0.49x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.42x Good Good Free cash flow relative to reported net income Optimal: > 1x	0.59x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%)	27.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	26.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	19.3% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	23.4% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	30.5% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	32.2% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	29.9% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	72.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	44.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	29.1% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	29.4% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	22.7% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	39.4% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	51.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	113.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-9183.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-205.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-64.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-29.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-39.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-17.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-24.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-9.7% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-13.5% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—
Return on Capital (%) (%)	15.2% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	13.8% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	9.7% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	10.3% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	16.7% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	10.3% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	8.2% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	7.9% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	7.1% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	4.1% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	-8.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-14.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-10.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	-10.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-10.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	-8.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—
Return on Common Equity (%) (%)	26.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+74%)	25.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+68%)	17.2% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	21.2% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+41%)	28.8% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+92%)	28.9% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+93%)	25.3% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+68%)	59.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+294%)	27.0% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+80%)	13.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	7.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	7.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	12.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	7.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	75.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+406%)	—	-219.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1566%)	-68.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-557%)	-31.5% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-310%)	-42.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-383%)	-22.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-248%)	-26.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-278%)	-11.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-175%)	-18.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-223%)	—	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Interest Coverage (x)	18.19x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	13.56x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	8.44x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	9.45x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	15.51x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	8.65x Good Good Operating income divided by interest expense Optimal: > 5x	—	—	3.39x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	1.70x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.29x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	0.96x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.60x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.52x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	2.97x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	-8.12x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-16.17x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-16.05x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-15.08x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-14.53x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-6.52x Weak → Weak Stable Operating income divided by interest expense Optimal: > 5x	-11.25x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-6.13x Weak Weak Operating income divided by interest expense Optimal: > 5x	-2.65x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—
Net Debt (USD)	$-120.45M	$-64.05M	$-104.15M	$-88.94M	$-88.89M	$-73.19M	$-80.06M	$-58.03M	$-77.78M	$-67.62M	$-65.15M	$-62.09M	$-59.04M	$-68.28M	$-57.87M	$-62.08M	$-58.37M	$-76.98M	$-43.97M	$-58.18M	—	$-84.29M	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$4.01	—	$3.43	$2.93	$3.10	—	$2.10	$1.65	$1.38	—	$1.20	$1.04	$1.05	—	$0.93	$0.89	$0.86	—	$0.89	$0.89	$0.84	—	$0.52	$0.45	—	—
Basic EPS, GAAP (USD)	$1.52	$1.26	$0.78	$0.82	$1.07	$0.75	$0.47	$0.88	$0.23	$0.09	$0.04	$0.03	$0.05	$0.02	$0.13	$-0.44	$-0.89	$-0.82	$-0.57	$-0.63	$-0.38	$-0.51	$-0.25	$-0.13	—	—
Free Cash Flow per Share (USD)	$2.62	—	$0.97	$-0.90	$1.74	—	—	—	$1.14	—	—	—	$-0.13	—	—	—	$0.24	—	—	—	$-0.18	—	$-0.16	—	—	—
Book Value per Share (USD)	$5.86	$5.02	$4.55	$3.83	$3.70	$2.60	$1.83	$1.50	$0.88	$0.65	$0.53	$0.48	$0.42	$0.27	$0.17	$0.00	$0.39	$1.17	$1.86	$1.43	$1.64	$1.93	$2.39	$0.73	—	—
Tangible Book Value per Share (USD)	$5.86	$5.02	$4.55	$3.83	$3.70	$2.60	$1.83	$1.50	$0.88	$0.65	$0.53	$0.48	$0.42	$0.27	$0.17	$0.00	$0.39	$1.17	$1.84	$1.41	$1.64	$1.93	$2.39	$0.73	—	—
Basic Weighted Avg Shares (shares)	33.76M	—	34.05M	33.73M	33.85M	—	33.27M	33.96M	33.96M	—	34.00M	33.48M	32.88M	—	32.79M	32.71M	32.30M	—	31.95M	31.23M	31.12M	—	30.44M	28.31M	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Working Capital (USD)	$298.59M	$262.10M	$235.79M	$222.66M	$164.35M	$151.94M	$135.55M	$98.52M	$98.74M	$21.78M	$92.76M	$74.01M	$73.55M	$70.94M	$57.61M	$55.37M	$62.72M	$113.73M	$62.16M	$63.20M	—	$104.63M	—	—	—	—
Total Equity (USD)	$196.72M	$169.81M	$155.27M	$130.40M	$125.76M	$87.83M	$61.14M	$50.29M	$29.61M	$22.09M	$17.97M	$16.28M	$13.66M	$8.84M	$5.73M	$147.74K	$12.73M	$37.79M	$59.81M	$44.91M	$51.13M	$59.96M	$72.67M	$20.71M	$23.57M	$27.31M

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$135.54M	$129.87M	$116.80M	$98.70M	$104.91M	$98.22M	$69.96M	$55.97M	$46.98M	$48.90M	$40.84M	$34.94M	$34.67M	$38.28M	$30.41M	$29.25M	$27.63M	$32.93M	$28.48M	$27.85M	$26.03M	$22.09M	$15.92M	$12.61M	—	—
Depreciation Expense (USD)	$436.00K	$389.00K	$369.00K	$324.00K	$274.00K	$258.00K	—	—	$226.82K	$231.19K	—	—	$200.77K	$197.78K	—	—	$223.97K	$211.28K	—	—	$163.40K	$134.51K	$109.22K	—	—	—
Net Income, GAAP (USD)	$51.30M	$42.69M	$26.67M	$27.60M	$36.16M	$25.37M	$15.45M	$29.70M	$8.01M	$2.94M	$1.29M	$1.14M	$1.72M	$634.31K	$4.34M	$-15.08M	$-27.99M	$-25.92M	$-18.83M	$-19.06M	$-11.35M	$-16.03M	$-8.16M	$-3.84M	—	—
Operating Cash Flow (USD)	$88.98M	$154.29M	$33.10M	$-29.96M	$58.84M	$90.72M	—	—	$38.61M	$-15.02M	—	—	$-4.07M	$1.44M	—	—	$7.81M	$-40.89M	—	—	$-5.41M	$-22.62M	$-4.72M	—	—	—

Sezzle Inc.

Analytical Summary

26-Year Financial Trajectory

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