SEZL Stock Analysis: Sezzle | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 4.618m USD | 12M Return: 134% | US78435P1057 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 64.9M
EPS Trend: 5.4%
Qual. Beats: 0
Rev. Trend: 99.0%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 3.1 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Sezzle Inc. is a technology-enabled payments company operating in the United States and Canada, offering a Buy Now, Pay Later (BNPL) platform that allows consumers to receive merchandise at the time of sale and pay in installments over time. Its core offerings include Pay-in-Four (the industry-standard four-installment structure over six weeks), Pay-in-Five, Pay-in-Two, and Pay-in-Full options, catering to a range of consumer credit preferences at the point of sale.
Beyond direct merchant integrations, Sezzle extends its platform through the Sezzle Virtual Card and subscription-based services such as Sezzle Anywhere and Sezzle Premium, enabling consumers to use the platform at non-integrated online and in-store merchants. The company also offers Sezzle Balance (a stored-value product), Sezzle Up (an opt-in feature), and Long-Term Lending through partnerships with third-party lenders, broadening its consumer finance footprint.
Founded in 2016 and headquartered in Minneapolis, Minnesota, Sezzle has been publicly traded on NASDAQ since August 2023. Operating within the transaction and payment processing segment of the financials sector, the company participates in the rapidly growing BNPL market, which has gained traction as an alternative to traditional credit cards by offering simpler, interest-free short-term installment plans.
- GMV growth accelerates as Pay-in-Four adoption expands
- Credit losses rise as consumer delinquencies pressure margins
- CFPB BNPL regulation increases compliance and capital costs
| Net Income: 182.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.79 > 0.02 and ΔFCF/TA 62.47 > 1.0 |
| NWC/Revenue: 56.09% < 20% (prev 56.32%; Δ -0.23% < -1%) |
| CFO/TA 0.79 > 3% & CFO 382.2m > Net Income 182.6m |
| Net Debt (70.6m) to EBITDA (244.9m): 0.29 < 3 |
| Current Ratio: 4.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (34.8m) vs 12m ago -3.92% < -2% |
| Gross Margin: 91.43% > 18% (prev 75.07%; Δ 16.36% > 0.5%) |
| Asset Turnover: 137.1% > 50% (prev 114.1%; Δ 22.99% > 0%) |
| Interest Coverage Ratio: 19.13 > 6 (EBIT TTM 243.5m / Interest Expense TTM 12.7m) |
| A: 0.68 (Total Current Assets 427.7m - Total Current Liabilities 101.5m) / Total Assets 481.6m |
| B: 0.24 (Retained Earnings 114.0m / Total Assets 481.6m) |
| C: 0.57 (EBIT TTM 243.5m / Avg Total Assets 424.3m) |
| D: 1.36 (Book Value of Equity 277.7m / Total Liabilities 203.9m) |
| Altman-Z'' = 10.50 = AAA |
| DSRI: 1.19 (Receivables 315.9m/191.6m, Revenue 581.6m/418.6m) |
| GMI: 0.82 (GM 75.07% / 91.43%) |
| AQI: 1.10 (AQ_t 0.11 / AQ_t-1 0.10) |
| SGI: 1.39 (Revenue 581.6m / 418.6m) |
| TATA: -0.41 (NI 182.6m - CFO 382.2m) / TA 481.6m) |
| Beneish M = -2.74 (Cap -4..+1) = A |
As of November 06, 2026, the stock is trading at USD 155.00 with a total of 1,966,664 shares traded. Over the past week, the price has changed by +15.79%, over one month by +39.83%, over three months by -11.12% and over the past year by +133.96%.
Current recommended Stop Loss: 144.90 (which is 6.5% or 1.2 ATR below the current price).
Sezzle has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy SEZL.
- StrongBuy: 3
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 167.2 | 7.9% |
P/E Trailing = 29.9759
P/E Forward = 19.4932
P/S = 8.682
P/B = 17.7623
P/EG = 0.0735
Revenue TTM = 581.6m USD
EBIT TTM = 243.5m USD
EBITDA TTM = 244.9m USD
Long Term Debt = 140.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 163k USD (from shortTermDebt, last fiscal year)
Debt = 140.7m USD (corrected: LT Debt 140.0m + ST Debt 163k) + Leases 593k
Net Debt = 70.6m USD (calculated: Debt 140.7m - CCE 70.1m)
Enterprise Value = 4.69b USD (4.62b + Debt 140.7m - CCE 70.1m)
Interest Coverage Ratio = 19.13 (Ebit TTM 243.5m / Interest Expense TTM 12.7m)
EV/FCF = 12.32x (Enterprise Value 4.69b / FCF TTM 380.7m)
FCF Yield = 8.12% (FCF TTM 380.7m / Enterprise Value 4.69b)
FCF Margin = 65.46% (FCF TTM 380.7m / Revenue TTM 581.6m)
Net Margin = 31.39% (Net Income TTM 182.6m / Revenue TTM 581.6m)
Gross Margin = 91.43% ((Revenue TTM 581.6m - Cost of Revenue TTM 49.8m) / Revenue TTM)
Gross Margin QoQ = 88.98% (prev 86.15%)
Tobins Q-Ratio = 9.73 (Enterprise Value 4.69b / Total Assets 481.6m)
Interest Expense / Debt = 9.04% (Interest Expense 12.7m / Debt 140.7m)
Taxrate = 20.86% (48.1m / 230.7m)
NOPAT = 192.7m (EBIT 243.5m * (1 - 20.86%))
Current Ratio = 4.21 (Total Current Assets 427.7m / Total Current Liabilities 101.5m)
Debt / Equity = 0.51 (Debt 140.7m / totalStockholderEquity, last quarter 277.7m)
Debt / EBITDA = 0.29 (Net Debt 70.6m / EBITDA 244.9m)
Debt / FCF = 0.19 (Net Debt 70.6m / FCF TTM 380.7m)
Total Stockholder Equity = 219.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 43.03% (Net Income 182.6m / Total Assets 481.6m)
RoE = 83.26% (Net Income TTM 182.6m / Total Stockholder Equity 219.3m)
RoCE = 67.77% (EBIT 243.5m / Capital Employed (Equity 219.3m + L.T.Debt 140.0m))
RoIC = 54.87% (NOPAT 192.7m / Invested Capital 351.2m)
WACC = 13.26% (E(4.62b)/V(4.76b) * Re(13.45%) + D(140.7m)/V(4.76b) * Rd(9.04%) * (1-Tc(0.21)))
Discount Rate = 13.45% (= CAPM, Blume Beta Adj.) -> capped to 12.54%
Shares (quarterly) Correlation: 48.87 | Cagr: -1.73%
[DCF] Terminal Value 63.76% ; FCFF base≈252.7m ; Y1≈289.7m ; Y5≈426.4m
[DCF] Fair Price = 99.03 (EV 3.42b - Net Debt 70.6m = Equity 3.35b / Shares 33.8m; r=13.26% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 5.37 | EPS CAGR: 3.10% | SUE: 0.20 | # QB: 0
Revenue Correlation: 98.97 | Revenue CAGR: 64.96% | SUE: 0.92 | # QB: 2
EPS current Year (2026-12-31): EPS=5.26 | Chg30d=+0.00% | Revisions=+67% | GrowthEPS=+46.5% | GrowthRev=+35.2%
EPS next Year (2027-12-31): EPS=6.65 | Chg30d=+0.02% | Revisions=+25% | GrowthEPS=+26.4% | GrowthRev=+24.3%
[Analyst] Revisions Ratio: +70% (up=7, down=0)