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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. 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%
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% (at or above 15%: strong)
Next Y EPS Growth 27.29% (at or above 15%: strong)
Next Y revenue growth 35.23% (at or above 10%: strong)
Next 5Y EPS Growth 30.32% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

1.9
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Sezzle Inc. (SEZL) Latest News

6 Mar

Impact 5 ·

30 Dec

Impact 5 ·
stockrow.com/SEZL · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com