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Friday 6 November 2026
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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
157.01
2.01
+1.30%
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| Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | 5 | 2 | 7 | 5 | 7 | 8 |
P/E ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 17.00 | 18.72 | 16.36 |
P/S ratio |
0.00 | 0.00 | 0.00 | 3.66 | 0.43 | 0.75 | 5.30 | 4.78 |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 0.00 | 7.18 | 0.00 | 11.12 | 10.39 |
P/Operating CF |
5,392.66 | 5,392.66 | (1,651.81) | (10.29) | 37.41 | (8.00) | 25.04 | 30.48 |
P/B ratio |
0.00 | 0.00 | 0.00 | 11.13 | 6.09 | 5.43 | 16.36 | 12.68 |
Price to Tangible BV |
0.00 | 0.00 | 0.00 | 11.41 | 7.17 | 5.95 | 16.83 | 12.93 |
EV/Sales |
0.00 | 0.00 | 0.00 | 139.24 | 0.39 | 0.90 | 5.74 | 5.14 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 6.06 | 18.60 | 12.95 |
EV/Operating CF |
0.00 | 0.00 | 0.00 | (221.63) | 5.70 | (5.61) | 11.92 | 11.03 |
EV/FCF |
0.00 | 0.00 | 0.00 | (217.35) | 6.46 | (5.33) | 12.06 | 11.17 |
Quick Ratio |
4.25 | 3.98 | 1.32 | 0.78 | 0.73 | 0.39 | 0.77 | 0.88 |
Current Ratio |
4.29 | 4.03 | 2.53 | 2.06 | 1.72 | 1.12 | 2.44 | 3.92 |
Net Debt/EBITDA |
0.72 | 1.31 | 1.76 | 0.01 | 0.20 | 1.01 | 0.31 | 0.38 |
Debt/Assets |
34.97% | 34.08% | 23.80% | 34.97% | 37.15% | 44.50% | 34.85% | 34.98% |
Debt/Equity |
0.82 | 0.81 | 0.69 | 2.07 | 7.25 | 4.28 | 1.18 | 0.82 |
Asset Turnover |
0.00 | 0.41 | 0.49 | 0.58 | 0.63 | 0.83 | 1.06 | 1.29 |
Operating CF/Net income |
1.49 | 1.53 | 0.77 | 0.96 | (0.22) | (3.62) | 1.66 | 1.58 |
Capex/Depreciation |
0.00 | 0.00 | (0.87) | (0.99) | (0.55) | (0.86) | (0.98) | (1.43) |
Interest Coverage |
(83.61) | 0.00 | (6.49) | (13.03) | (3.31) | 1.39 | 5.98 | 12.61 |
| 0.00% | (126.03%) | (74.19%) | (153.80%) | (163.37%) | 45.89% | 142.86% | 103.34% | |
| 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% |
Return on Tangible Assets |
(42.06%) | (27.31%) | (30.85%) | (65.71%) | (53.70%) | 32.60% | 51.68% | 50.79% |
Average Days of Receivables |
1,177.31 | 582.44 | 8.71 | 16.16 | 7.36 | 3.60 | 4.89 | 5.01 |
Research and Development Expense of Revenue |
24.14% | 3.27% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
266.88% | 117.81% | 71.75% | 71.29% | 68.97% | 42.01% | 26.89% | 23.05% |
Intangible Assets out of Total Assets |
0.02 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 11.93% | 12.33% | 8.21% | 4.35% | 1.92% | 1.45% |
Graham Net Nets |
0.00 | 0.00 | 0.00 | 0.08 | 0.12 | 0.15 | 0.03 | 0.06 |
Graham Number |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.76 | 11.55 | 20.91 |
Earnings Yield |
(3.39%) | (3.39%) | (3.39%) | (18.00%) | (72.44%) | 5.88% | 5.34% | 6.11% |
Free Cash Flow Yield |
0.00% | 0.00% | 0.00% | (17.48%) | 13.92% | (22.53%) | 8.99% | 9.63% |
Revenue per Share |
0.33 | 0.14 | 0.05 | 0.10 | 3.84 | 4.74 | 8.04 | 13.28 |
Operating CF per Share |
(1.26) | (0.18) | (0.02) | (0.06) | 0.26 | (0.76) | 3.88 | 6.19 |
Capex per Share |
0.00 | 0.00 | 0.00 | 0.00 | (0.03) | (0.04) | (0.04) | (0.08) |
Free Cash Flow per Share |
(1.26) | (0.18) | (0.02) | (0.06) | 0.23 | (0.80) | 3.83 | 6.11 |
Cash per Share |
1.51 | 0.33 | 0.08 | 0.07 | 2.13 | 2.10 | 2.31 | 2.14 |
Shareholders Equity per Share |
1.14 | 0.25 | 0.05 | 0.03 | 0.27 | 0.66 | 2.61 | 5.01 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
1.14 | 0.25 | 0.05 | 0.03 | 0.27 | 0.66 | 2.61 | 5.01 |
Free Cash Flow |
(5.88) | (20.19) | (25.54) | (73.55) | 7.50 | (27.06) | 129.18 | 207.21 |
Working Capital |
9.33 | 47.46 | 104.63 | 113.73 | 70.94 | 21.78 | 151.94 | 262.10 |
Capital Expenditures |
(0.35) | (0.54) | (0.73) | (1.42) | (1.01) | (1.37) | (1.46) | (2.69) |
Net Current Asset Value |
4.94 | 25.81 | 58.85 | 35.68 | 6.40 | 18.49 | 47.08 | 121.45 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 6.49 | 18.94 | 13.09 |
Capex to Sales |
0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 5.41 | 17.47 | 12.18 |
| Other line items | ||||||||
Depreciation/Fixed assets |
1.21 | 0.25 | 2.25 | 2.17 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
(35.05%) | (23.45%) | (13.41%) | (37.76%) | 5.27% | (14.44%) | 47.87% | 54.21% |
Accounts Receivable Turnover |
0.00 | 1.05 | 4.36 | 35.40 | 32.97 | 77.65 | 104.27 | 91.75 |
Accounts Payable Turnover |
0.00 | 1.03 | 0.67 | 0.62 | 0.55 | 0.60 | 0.85 | 1.28 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
963.03 | 606.34 | 891.28 | 718.57 | 618.84 | 575.44 | 412.95 | 255.92 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
— | 15.26 | 13.48 | 3.24 | 3.81 | 2.05 | 2.60 | 4.91 |
Average Payables |
— | 7.79 | 37.12 | 78.73 | 89.77 | 78.58 | 71.55 | 62.67 |
Average Assets |
— | 38.60 | 119.39 | 198.76 | 197.99 | 192.61 | 255.51 | 349.30 |
Average Common Equity |
— | 10.50 | 43.66 | 48.88 | 23.32 | 15.47 | 54.96 | 128.82 |
Columns are period end dates · fundamentals updated 5 Nov 2026