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

150.20 4.80 −3.10%
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

Sezzle Inc. (SEZL) Free cash flow margin

Alert me on Free cash flow margin

Sezzle Inc.'s free cash flow margin over the twelve months to 30 September 2026 was −0.66%, down 46.7 percentage points from fiscal 2025 (46.0%). Over the past ten years it has ranged from −381.9% (fiscal 2018) to 47.7% (fiscal 2024); the current reading is higher than 88% of that period. That is below the Credit Services industry median of 8.73% and below the Financial sector median of 11.4%.

Free cash flow margin, annual

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Annual newest first

Period Free cash flow margin Change (points)
FY2025 46.0% (1.63)
FY2024 47.7% 64.63
FY2023 −17.0% (22.96)
FY2022 5.98% 70.04
FY2021 −64.1% (20.61)
FY2020 −43.5% 82.61
FY2019 −126.1% 255.87
FY2018 −381.9% —

Against its own ten years

Low −381.9% High 47.7%
Ten-year median −30.2%
Current reading's percentile 88

Free cash flow margin against peers

Company Free cash flow margin
ENVA Enova International, Inc. compare 54.9%
CACC Credit Acceptance Corporation compare 53.7%
OMF OneMain Holdings, Inc. compare 49.3%
BFH Bread Financial Holdings, Inc. compare 45.4%
FCFS FirstCash Holdings, Inc. compare 12.1%
NNI Nelnet, Inc. compare 0.00%
SEZL Sezzle Inc. −0.66%
SLM SLM Corporation compare −13.2%
KLAR Klarna Group plc compare −94.3%
Credit Services industry median 8.73%
Financial sector median 11.4%
Market median 0.00%

What Free cash flow margin is

Free Cash Flow Margin tells an investor how much of each sale turns into cash the company keeps after paying for investment in its assets.

(Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)) ÷ Revenue

The full definition of Free cash flow margin →

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