(SEZL) Sezzle - Ratings and Ratios
Installment Payments, Virtual Card, Subscription Plans, Long-Term Lending
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 132% |
| Value at Risk 5%th | 173% |
| Relative Tail Risk | -20.18% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.48 |
| Alpha | -41.49 |
| CAGR/Max DD | 1.14 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.501 |
| Beta | 2.665 |
| Beta Downside | 3.180 |
| Drawdowns 3y | |
|---|---|
| Max DD | 89.95% |
| Mean DD | 37.69% |
| Median DD | 39.62% |
Description: SEZL Sezzle November 05, 2025
Sezzle Inc. (NASDAQ: SEZL) is a technology-enabled payments firm operating in the United States and Canada that connects consumers with merchants through a proprietary “buy-now-pay-later” (BNPL) platform, extending credit at the point-of-sale.
The platform supports multiple payment flows: Pay-in-Four (four installments over six weeks), Pay-in-Two, Pay-in-Full, and alternative split-payment options. It also offers a Sezzle Virtual Card, the subscription-based Sezzle Anywhere and Sezzle Premium services for use at non-integrated merchants, and Sezzle On-Demand for ad-hoc access. An optional “Sezzle Up” feature and a long-term lending partnership with third-party lenders round out its product suite.
Key recent metrics: Sezzle processed ≈ $2.3 billion in total payment volume (TPV) in FY 2023, a 38 % YoY increase driven by strong e-commerce adoption; merchant count rose to ≈ 45,000, with ≈ 30 % of revenue now coming from its subscription services. The BNPL sector faces headwinds from rising interest rates and tighter credit standards, which compress margins but also create opportunities for firms that can diversify into fee-based subscriptions and long-term lending.
For a deeper, data-driven view of Sezzle’s valuation dynamics, you might explore the analyst dashboards on ValueRay, which aggregate real-time financials and peer benchmarks.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (115.8m TTM) > 0 and > 6% of Revenue (6% = 25.1m TTM) |
| FCFTA 0.15 (>2.0%) and ΔFCFTA 5.70pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 56.32% (prev 61.11%; Δ -4.79pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.15 (>3.0%) and CFO 56.6m <= Net Income 115.8m (YES >=105%, WARN >=100%) |
| Net Debt (14.0m) to EBITDA (154.0m) ratio: 0.09 <= 3.0 (WARN <= 3.5) |
| Current Ratio 3.52 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (36.2m) change vs 12m ago 537.0% (target <= -2.0% for YES) |
| Gross Margin 75.07% (prev 67.36%; Δ 7.70pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 135.1% (prev 87.72%; Δ 47.36pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 11.09 (EBITDA TTM 154.0m / Interest Expense TTM 13.8m) >= 6 (WARN >= 3) |
Altman Z'' 8.23
| (A) 0.64 = (Total Current Assets 329.5m - Total Current Liabilities 93.7m) / Total Assets 367.0m |
| (B) -0.05 = Retained Earnings (Balance) -19.2m / Total Assets 367.0m |
| (C) 0.49 = EBIT TTM 152.8m / Avg Total Assets 309.9m |
| (D) 0.83 = Book Value of Equity 175.7m / Total Liabilities 211.7m |
| Total Rating: 8.23 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 85.21
| 1. Piotroski 6.50pt |
| 2. FCF Yield 2.94% |
| 3. FCF Margin 13.15% |
| 4. Debt/Equity 0.76 |
| 5. Debt/Ebitda 0.09 |
| 6. ROIC - WACC (= 40.90)% |
| 7. RoE 92.78% |
| 8. Rev. Trend 95.59% |
| 9. EPS Trend 41.45% |
What is the price of SEZL shares?
Over the past week, the price has changed by +9.52%, over one month by +0.55%, over three months by -26.81% and over the past year by +0.68%.
Is SEZL a buy, sell or hold?
- Strong Buy: 2
- Buy: 0
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the SEZL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 108.5 | 68.4% |
| Analysts Target Price | 108.5 | 68.4% |
| ValueRay Target Price | 69.1 | 7.2% |
SEZL Fundamental Data Overview November 25, 2025
P/E Trailing = 16.7508
P/E Forward = 13.0378
P/S = 4.4413
P/B = 11.9746
P/EG = 0.053
Beta = 8.683
Revenue TTM = 418.6m USD
EBIT TTM = 152.8m USD
EBITDA TTM = 154.0m USD
Long Term Debt = 117.3m USD (from longTermDebt, last quarter)
Short Term Debt = 143.0k USD (from shortTermDebt, last quarter)
Debt = 118.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 14.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.87b USD (1.86b + Debt 118.2m - CCE 104.1m)
Interest Coverage Ratio = 11.09 (Ebit TTM 152.8m / Interest Expense TTM 13.8m)
FCF Yield = 2.94% (FCF TTM 55.1m / Enterprise Value 1.87b)
FCF Margin = 13.15% (FCF TTM 55.1m / Revenue TTM 418.6m)
Net Margin = 27.66% (Net Income TTM 115.8m / Revenue TTM 418.6m)
Gross Margin = 75.07% ((Revenue TTM 418.6m - Cost of Revenue TTM 104.4m) / Revenue TTM)
Gross Margin QoQ = 85.07% (prev 73.74%)
Tobins Q-Ratio = 5.10 (Enterprise Value 1.87b / Total Assets 367.0m)
Interest Expense / Debt = 3.32% (Interest Expense 3.92m / Debt 118.2m)
Taxrate = 15.68% (4.96m / 31.6m)
NOPAT = 128.9m (EBIT 152.8m * (1 - 15.68%))
Current Ratio = 3.52 (Total Current Assets 329.5m / Total Current Liabilities 93.7m)
Debt / Equity = 0.76 (Debt 118.2m / totalStockholderEquity, last quarter 155.3m)
Debt / EBITDA = 0.09 (Net Debt 14.0m / EBITDA 154.0m)
Debt / FCF = 0.25 (Net Debt 14.0m / FCF TTM 55.1m)
Total Stockholder Equity = 124.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 31.56% (Net Income 115.8m / Total Assets 367.0m)
RoE = 92.78% (Net Income TTM 115.8m / Total Stockholder Equity 124.8m)
RoCE = 63.11% (EBIT 152.8m / Capital Employed (Equity 124.8m + L.T.Debt 117.3m))
RoIC = 55.96% (NOPAT 128.9m / Invested Capital 230.2m)
WACC = 15.06% (E(1.86b)/V(1.98b) * Re(15.84%) + D(118.2m)/V(1.98b) * Rd(3.32%) * (1-Tc(0.16)))
Discount Rate = 15.84% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 2.30%
[DCF Debug] Terminal Value 43.86% ; FCFE base≈42.5m ; Y1≈27.9m ; Y5≈12.7m
Fair Price DCF = 3.27 (DCF Value 111.8m / Shares Outstanding 34.2m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 41.45 | EPS CAGR: 82.24% | SUE: 0.01 | # QB: 0
Revenue Correlation: 95.59 | Revenue CAGR: 40.16% | SUE: 0.88 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.22 | Chg30d=+0.033 | Revisions Net=+0 | Analysts=3
EPS next Year (2026-12-31): EPS=4.38 | Chg30d=+0.112 | Revisions Net=+1 | Growth EPS=+29.6% | Growth Revenue=+26.0%
Additional Sources for SEZL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle