Saturday 17 October 2026 Export SEZL’s income statement to Excel — free account

Sezzle Inc.

Sezzle Inc.’s revenue for fiscal 2025 (year ended December 2025) was $450.3 million, up 66.1% from fiscal 2024. In the quarter to June 2026, revenue grew 51.7%, EPS grew 47.6%, free cash flow grew 131.5% and total debt fell 6.88%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.

127.65 4.72 −3.57%

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Market cap: $4.5B
P/E: 27.0×
Fwd P/E: 22.8×
Dividend yield: —
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.11

Total sells 26.81

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	—	—	—	—	—	—	1	1	—
Sell	—	—	1	1	6	—	4	4	5	1	—	—

Insider Ownership 45.20%

Capital & Financial Ratios $m

Market Cap 4,470.00

Revenue 531.89

Net Income 161.43

Free Cash Flow 271.90

Net Debt 37.22

Current Ratio 4.02

Debt/Equity 0.52

P/E ratio 27.04

Fwd P/E 22.80

P/S ratio 8.07

P/B ratio 18.43

Past 5Y EPS Growth —

This Y EPS Growth 46.11%

Next Y EPS Growth 27.29%

Next Y revenue growth 35.23%

Next 5Y EPS Growth 30.32%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 64.49%

10-year low 10-year high

P/S against its own 10 years 73.63%

10-year low 10-year high

P/B against its own 10 years 62.06%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	71	78	72	84
Receivables	2	4	6	35
Inventory	—	—	—	—
Other	—	—	—	—
	209	258	352	408

	2023	2024	2025	Q'26
Payables	74	69	56	58
ST’ Debt	94	—	—	—
Other	11	25	21	30
	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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	136	150	—	—	—
’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	(20)	154	210
’24	39	(4)	6	91	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	—	—	—
’25	52	22	(21)	154	207
’24	38	(5)	5	90	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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.47	1.17	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	12.67	9.82	0.63	0.02	2.71	24.86	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	36.73	95.00	13.93	13.51	79.59	186.74
People
People	Employees	—	—	—	—	—	540	290	278	408	201
	Revenue/emp, $m	—	—	0.00	0.00	0.00	0.21	0.43	0.57	0.66	2.24
Income, $m
Income, $m	Revenue	—	—	2	16	59	115	126	159	271	450
	Gross margin, %	—	—	43.92	49.97	57.55	57.30	61.00	70.49	77.52	82.14
	EBT	—	—	(4)	(13)	(32)	(75)	(38)	8	67	163
	EBT margin, %	—	—	(256.95)	(82.59)	(55.05)	(65.42)	(30.28)	4.84	24.83	36.18
	Net income	—	—	(4)	(13)	(32)	(75)	(38)	7	79	133
	Depreciation	—	—	0	0	1	1	2	2	1	2
Per share, $
Per share, $	Revenue	—	—	0.33	0.14	0.05	0.10	3.84	4.74	8.04	13.28
	Earnings	—	—	(0.85)	(0.12)	(0.03)	(0.06)	(1.17)	0.21	2.33	3.93
	Cash flow	—	—	(1.26)	(0.18)	(0.02)	(0.06)	0.26	(0.76)	3.88	6.19
	Capex	—	—	0.00	0.00	0.00	0.00	(0.03)	(0.04)	(0.04)	(0.08)
	Free cash flow	—	—	(1.26)	(0.18)	(0.02)	(0.06)	0.23	(0.80)	3.83	6.11
	Book value	—	—	1.14	0.25	0.05	0.03	0.27	0.66	2.61	5.01
	Shares, m	—	—	5	112	1,121	1,202	33	34	34	34
Valuation, ×
Valuation, ×	P/E	—	—	0.00	0.00	0.00	0.00	0.00	17.00	18.72	16.36
	P/S	—	—	0.00	0.00	0.00	139.24	0.43	0.75	5.30	4.78
	P/B	—	—	0.00	0.00	0.00	423.04	6.09	5.43	16.36	12.68
	EV/Sales	—	—	0.00	0.00	0.00	139.24	0.39	0.90	5.74	5.14
	EV/FCF	—	—	0.00	0.00	0.00	(217.35)	6.46	(5.33)	12.06	11.17
Cash, $m
Cash, $m	Operating cash flow	—	—	(6)	(20)	(25)	(72)	9	(26)	131	210
	Capex	—	—	0	(1)	(1)	(1)	(1)	(1)	(1)	(3)
	Free cash flow	—	—	(6)	(20)	(26)	(74)	8	(27)	129	207
Balance, $m
Balance, $m	Working capital	—	—	9	47	105	114	71	22	152	262
	Total debt	—	—	4	22	41	78	64	95	104	140
	Net debt	—	—	(3)	(15)	(48)	(1)	(5)	24	26	68
	Shareholders’ equity	—	—	5	27	60	38	9	22	88	170
Returns, %
Returns, %	ROA	—	—	0.00	(34.29)	(27.13)	(37.82)	(19.24)	3.69	30.73	38.11
	ROIC	—	—	0.00	0.00	(141.78)	(115.85)	(515.48)	30.09	45.17	46.56
	ROE	—	—	0.00	(126.03)	(74.19)	(153.80)	(163.37)	45.89	142.86	103.34

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
OMF OneMain Holdings, Inc.	$6.4B	8.4×	7.6×	+7.19% (above 0%: growing)	−5.71% (below 0%: shrinking)	+3.36% (above 0%: growing)	79.93%	0.00%	Compare
CACC Credit Acceptance Corporation	$5.7B	11.7×	10.5×	+0.62% (above 0%: growing)	+71.79% (above 0%: growing)	+120.88% (above 0%: growing)	100.00%	50.07%	Compare
KLAR Klarna Group plc	$5.1B	— (loss-making)	8.2×	+26.61% (above 0%: growing)	n/m	−129.24% (below 0%: shrinking)	61.23%	2.59%	Compare
NNI Nelnet, Inc.	$4.6B	15.3×	15.0×	−22.95% (below 0%: shrinking)	−62.78% (below 0%: shrinking)	−52.33% (below 0%: shrinking)	79.01%	0.00%	Compare
SEZL Sezzle Inc.	$4.5B	27.0×	22.8×	+51.65% (above 0%: growing)	+47.56% (above 0%: growing)	+131.47% (above 0%: growing)	82.87%	36.72%
ENVA Enova International, Inc.	$4.4B	12.4×	11.3×	+21.58% (above 0%: growing)	+40.20% (above 0%: growing)	+21.85% (above 0%: growing)	61.15%	25.53%	Compare
SLM SLM Corporation	$4.2B	6.0×	7.1×	−1.93% (below 0%: shrinking)	−9.38% (below 0%: shrinking)	+2.81% (above 0%: growing)	59.84%	0.00%	Compare
BFH Bread Financial Holdings, Inc.	$3.9B	7.9×	8.2×	+3.39% (above 0%: growing)	+21.89% (above 0%: growing)	+1.93% (above 0%: growing)	100.00%	76.43%	Compare
UPST Upstart Holdings, Inc.	$2.4B	38.0×	32.5×	+41.75% (above 0%: growing)	+183.33% (above 0%: growing)	−14.74% (below 0%: shrinking)	83.19%	4.01%	Compare
Median of peers	$4.5B	11.7×	9.4×	+5.29%	+21.89%	+2.37%	79.47%	3.30%

All 55 Credit Services stocks →

Sezzle Inc. (SEZL) key facts

Strength: Sezzle Inc.’s revenue for fiscal 2025 (year ended December 2025) was $450.3 million, up 66.1% from fiscal 2024.
Sezzle Inc. (SEZL) is a Credit Services company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, SEZL traded at $127.65, a market capitalization of $4.5 billion.
Return on equity was 103.3% and debt-to-equity 0.52.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.