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Sezzle Inc.

SEZL Financial Credit Services

Sezzle Inc.’s revenue for fiscal 2025 (year ended December 2025) was $450.3 million, up 66.1% from fiscal 2024.

Revenue
+42.6%
EPS
+82.1%
Free cash flow
−101.5%
Total debt
−12.9%

Quarter to September 2026, against a year earlier

155.56 0.56 +0.36%
Market cap
$5.2B
P/E
28.6×
Fwd P/E
25.6×
Dividend yield
—
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.04
Sold, $m 26.81
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — 1 1 — —
Sell — 1 1 6 — 4 4 5 1 — — —
Insider Ownership 44.55%

Capital & Financial Ratios $m

Size
Market Cap 5,240.00
Revenue ttm 581.59
Net income ttm 182.58
Free cash flow ttm (3.85)
Net debt Q 27.69
Valuation
P/E 28.61
Forward P/E 25.60
Price / sales 8.89
Forward P/S Powerpack
Price / FCF 19.03
Price / book 18.62
Financial health
Current ratio Q 4.21
Debt / equity Q 0.37
Interest coverage Q 23.10
Growth
Revenue growth Q +42.56% (above 0%: growing)
Operating income growth Q +80.68% (above 0%: growing)
EPS, this year +51.78% (at or above 15%: strong)
EPS, next year A +30.02% (at or above 15%: strong)
Revenue, next year A +35.23% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A +32.62% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 69.12%
10-year low 10-year high
P/S against its own 10 years 84.68%
10-year low 10-year high
P/B against its own 10 years 74.28%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 71 78 72 74
Receivables 2 4 6 —
Inventory — — — —
Other — — — —
209 258 352 428
2023 2024 2025 Q'26
Payables 74 69 56 56
ST’ Debt 94 — — —
Other 11 25 21 28
187 106 90 102

Compound Annual Growth %

10y 5y 3y
Sales — 50.26% 53.06%
Cash Flow — 0.00% 191.07%
Earnings — 0.00% 0.00%
Book Value — 23.15% 167.78%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.28 Actual 1.37

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.96 1.21 Beat by 0.25
Q1 FY26 1.24 1.43 Beat by 0.19
Q2 FY26 0.95 1.13 Beat by 0.18
Q3 FY26 1.28 1.37 Beat by 0.09
Q4 FY26 1.41 — Reports 24 February 2027

EPS $

Mar Jun Sep Dec Year
’26 1.47 1.17 1.38 — —
’25 1.00 0.78 0.75 1.21 3.72
’24 0.22 0.82 0.44 0.70 2.19
’23 0.05 0.03 0.04 0.09 0.21
’22 (0.87) (0.46) 0.12 0.00 (1.17)
’21 (0.01) (0.02) (0.01) (0.02) (0.06)
’20 — 0.00 (0.01) — (0.03)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 136 150 167 — —
’25 105 99 117 130 450
’24 47 56 70 98 271
’23 35 35 41 49 159
’22 28 29 30 38 126
’21 26 27 28 33 115
’20 — 13 16 — 59
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 89 52 — — —
’25 52 23 64 71 210
’24 16 22 35 57 131
’23 (4) 7 (13) (15) (26)
’22 8 (2) 1 1 9
’21 (5) 0 (26) (41) (72)
’20 — 3 (5) (23) (25)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 88 51 (1) — —
’25 52 22 63 70 207
’24 16 22 35 57 129
’23 (4) 6 (13) (15) (27)
’22 7 (2) 1 1 8
’21 (6) 0 (26) (41) (74)
’20 — 2 (5) (23) (26)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.9
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — 2 16 59 115 126 159 271 450 582 +125.1% 609 757 877 +24.9%
Gross margin, % — — 43.92 49.97 57.55 57.30 61.00 70.49 77.52 82.14 0.00 +38.2 pt
EBT — — (4) (13) (32) (75) (38) 8 67 163 231 n/m
EBT margin, % — — (256.95) (82.59) (55.05) (65.42) (30.28) 4.84 24.83 36.18 39.67 +293.1 pt
Net income — — (4) (13) (32) (75) (38) 7 79 133 183 n/m
Per share, $
Per share, $ Revenue — — 0.33 0.14 0.05 0.10 3.84 4.74 8.04 13.28 17.25 +69.6%
Earnings — — (0.85) (0.12) (0.03) (0.06) (1.17) 0.21 2.33 3.93 5.36 n/m
Cash flow — — (1.26) (0.18) (0.02) (0.06) 0.26 (0.76) 3.88 6.19 0.00 n/m
Capex — — 0.00 0.00 0.00 0.00 (0.03) (0.04) (0.04) (0.08) (0.11) n/m
Free cash flow — — (1.26) (0.18) (0.02) (0.06) 0.23 (0.80) 3.83 6.11 (0.11) n/m
Book value — — 1.14 0.25 0.05 0.03 0.27 0.66 2.61 5.01 8.23 +23.6%
Shares, m — — 5 112 1,121 1,202 33 34 34 34 34 +32.7%
Valuation, ×
Valuation, × P/E — — 0.00 0.00 0.00 0.00 0.00 17.00 18.72 16.36 28.61 6.5
P/S — — 0.00 0.00 0.00 3.66 0.43 0.75 5.30 4.78 8.89 1.9
P/B — — 0.00 0.00 0.00 11.13 6.09 5.43 16.36 12.68 18.62 6.5
EV/Sales — — 0.00 0.00 0.00 139.24 0.39 0.90 5.74 5.14 — 18.9
EV/FCF — — 0.00 0.00 0.00 (217.35) 6.46 (5.33) 12.06 11.17 — (24.1)
Cash, $m
Cash, $m Operating cash flow — — (6) (20) (25) (72) 9 (26) 131 210 276 n/m
Capex — — 0 (1) (1) (1) (1) (1) (1) (3) (4) +34.0%
Free cash flow — — (6) (20) (26) (74) 8 (27) 129 207 (4) n/m
Balance, $m
Balance, $m Working capital — — 9 47 105 114 71 22 152 262 326 +61.0%
Net debt — — (3) (15) (48) (1) (5) 24 26 68 28 n/m
Shareholders’ equity — — 5 27 60 38 9 22 88 170 278 +64.0%
Returns, %
Returns, % ROA — — 0.00 (34.29) (27.13) (37.82) (19.24) 3.69 30.73 38.11 43.03 +38.1 pt
ROIC — — 0.00 0.00 (141.78) (115.85) (515.48) 30.09 45.17 46.56 49.84 +46.6 pt
ROE — — 0.00 (126.03) (74.19) (153.80) (163.37) 45.89 142.86 103.34 84.34 +103.3 pt
People
People Employees — — — — — 540 290 278 408 201 — (21.9%)
Revenue/emp, $m — — 0.00 0.00 0.00 0.21 0.43 0.57 0.66 2.24 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Sezzle Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FCFS FirstCash Holdings, Inc. $8.0B 20.4× 18.5× +17.70% (above 0%: growing) +25.27% (above 0%: growing) −12.69% (below 0%: shrinking) 49.54% 15.77% Compare
KLAR Klarna Group plc $7.7B — (loss-making) 8.2× +26.61% (above 0%: growing) n/m −129.24% (below 0%: shrinking) 61.23% 2.59% Compare
OMF OneMain Holdings, Inc. $6.5B 8.7× 8.7× +9.52% (above 0%: growing) −4.19% (below 0%: shrinking) −2.42% (below 0%: shrinking) 79.74% 0.00% Compare
CACC Credit Acceptance Corporation $5.3B 16.7× 8.8× +2.09% (above 0%: growing) n/m +11.81% (above 0%: growing) 100.00% 8.63% Compare
SEZL Sezzle Inc. $5.2B 28.6× 25.6× +42.56% (above 0%: growing) +82.05% (above 0%: growing) −101.48% (below 0%: shrinking) 0.00% 38.59%
NNI Nelnet, Inc. $4.5B 16.8× 16.5× −22.95% (below 0%: shrinking) −27.55% (below 0%: shrinking) +575.59% (above 0%: growing) 79.01% 0.00% Compare
ENVA Enova International, Inc. $4.3B 11.3× 11.0× +25.73% (above 0%: growing) +33.85% (above 0%: growing) +11.38% (above 0%: growing) 60.88% 24.50% Compare
BFH Bread Financial Holdings, Inc. $3.9B 8.0× 8.0× +2.96% (above 0%: growing) −1.26% (below 0%: shrinking) +0.17% (above 0%: growing) 100.00% 76.97% Compare
SLM SLM Corporation $3.2B 6.3× 8.9× −21.40% (below 0%: shrinking) n/m −115.63% (below 0%: shrinking) 57.53% 0.00% Compare
Median of peers $4.9B 11.3× 8.8× +6.24% −1.26% −1.12% 70.12% 5.61%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 9 October 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.10m 5.50m 3,565.00
2024 2.22m 11.51m 2,394.00
2023 1.94m 2.06m 192.00
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Sezzle Inc. (SEZL) Latest News

6 Nov

Impact 3 · · GuruFocus.com

5 Nov

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28 Oct

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27 Oct

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23 Oct

Impact 4 · · paymentsdive.com

22 Oct

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9 Oct

Impact 4 · · Simply Wall St.
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8 Oct

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6 Oct

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2 Oct

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1 Oct

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30 Sep

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29 Sep

Impact 4 · · GlobeNewswire

24 Sep

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22 Sep

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SEZL metrics, ten years each

stockrow.com/SEZL · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com