(SEZL) Sezzle - Overview
Stock: Pay-In-Four, Virtual Card, Subscription, Lending
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 124% |
| Relative Tail Risk | -18.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.94 |
| Alpha | 21.77 |
| Character TTM | |
|---|---|
| Beta | 2.524 |
| Beta Downside | 2.704 |
| Drawdowns 3y | |
|---|---|
| Max DD | 89.95% |
| CAGR/Max DD | 1.02 |
Description: SEZL Sezzle January 08, 2026
Sezzle Inc. (NASDAQ: SEZL) is a technology-enabled payments firm operating in the United States and Canada that connects consumers with merchants through a suite of “Buy-Now-Pay-Later” (BNPL) solutions. Its core offering, the Sezzle Platform, extends instant credit at the point-of-sale, allowing shoppers to receive goods immediately while paying in installments (e.g., Pay-in-Four, Pay-in-Two, Pay-in-Full). The company also provides a Sezzle Virtual Card and subscription services-Sezzle Anywhere, Sezzle On-Demand, and Sezzle Premium-that let users apply the platform at merchants not directly integrated with Sezzle, expanding its addressable market beyond native partnerships.
Key recent metrics (Q2 2024) show a 22 % YoY increase in total payment volume to $1.9 billion and a 15 % rise in active merchant count to 14,800, reflecting continued consumer appetite for flexible financing despite a tightening credit environment. The BNPL sector is sensitive to macro-economic factors such as interest-rate hikes and consumer confidence; higher rates can suppress discretionary spending but also increase demand for installment options that reduce upfront cash outlays. Competitors like Afterpay (Block) and Klarna are scaling aggressively, making merchant integration speed and subscription-based revenue (Sezzle Anywhere’s $4.99/month) critical differentiators for market share.
For a deeper, data-driven assessment of Sezzle’s valuation dynamics, you may find ValueRay’s analytical toolkit useful.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income: 115.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.15 > 0.02 and ΔFCF/TA 5.70 > 1.0 |
| NWC/Revenue: 56.32% < 20% (prev 61.11%; Δ -4.79% < -1%) |
| CFO/TA 0.15 > 3% & CFO 56.6m > Net Income 115.8m |
| Net Debt (14.0m) to EBITDA (154.0m): 0.09 < 3 |
| Current Ratio: 3.52 > 1.5 & < 3 |
| Outstanding Shares: last quarter (36.2m) vs 12m ago 537.0% < -2% |
| Gross Margin: 75.07% > 18% (prev 0.67%; Δ 7439 % > 0.5%) |
| Asset Turnover: 135.1% > 50% (prev 87.72%; Δ 47.36% > 0%) |
| Interest Coverage Ratio: 11.09 > 6 (EBITDA TTM 154.0m / Interest Expense TTM 13.8m) |
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 -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) |
| Altman-Z'' Score: 8.23 = AAA |
Beneish M -2.34
| DSRI: 0.76 (Receivables 191.6m/132.8m, Revenue 418.6m/221.8m) |
| GMI: 0.90 (GM 75.07% / 67.36%) |
| AQI: 1.29 (AQ_t 0.10 / AQ_t-1 0.08) |
| SGI: 1.89 (Revenue 418.6m / 221.8m) |
| TATA: 0.16 (NI 115.8m - CFO 56.6m) / TA 367.0m) |
| Beneish M-Score: -2.34 (Cap -4..+1) = BBB |
What is the price of SEZL shares?
Over the past week, the price has changed by -6.10%, over one month by -2.93%, over three months by -1.33% and over the past year by +64.56%.
Is SEZL a buy, sell or hold?
- StrongBuy: 2
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the SEZL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 103.3 | 63.3% |
| Analysts Target Price | 103.3 | 63.3% |
| ValueRay Target Price | 85.6 | 35.3% |
SEZL Fundamental Data Overview January 27, 2026
P/E Forward = 15.2439
P/S = 5.515
P/B = 14.8693
P/EG = 0.062
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 = 2.32b USD (2.31b + Debt 118.2m - CCE 104.1m)
Interest Coverage Ratio = 11.09 (Ebit TTM 152.8m / Interest Expense TTM 13.8m)
EV/FCF = 42.18x (Enterprise Value 2.32b / FCF TTM 55.1m)
FCF Yield = 2.37% (FCF TTM 55.1m / Enterprise Value 2.32b)
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 = 6.33 (Enterprise Value 2.32b / 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 = 37.37% (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 = 14.62% (E(2.31b)/V(2.43b) * Re(15.22%) + D(118.2m)/V(2.43b) * Rd(3.32%) * (1-Tc(0.16)))
Discount Rate = 15.22% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 2.30%
[DCF Debug] Terminal Value 46.77% ; FCFF base≈42.5m ; Y1≈27.9m ; Y5≈12.7m
Fair Price DCF = 3.12 (EV 120.7m - Net Debt 14.0m = Equity 106.7m / Shares 34.2m; r=14.62% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: 22.79 | EPS CAGR: 9.10% | SUE: 0.0 | # QB: 0
Revenue Correlation: 95.59 | Revenue CAGR: 40.16% | SUE: 0.88 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.21 | Chg30d=-0.010 | Revisions Net=-1 | Analysts=3
EPS next Year (2026-12-31): EPS=4.38 | Chg30d=+0.000 | Revisions Net=+1 | Growth EPS=+29.5% | Growth Revenue=+25.5%