Sezzle Inc. (SEZL)
OvervaluedFundamental
79
Price
$132.12
Market Cap
$4.60B
Part 1 · What the company is worth
Overview
Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada. The company offers Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; Pay-in-five which allows eligible consumers to pay a fifth of the purchase price up front, and then another four installments every two weeks; Pay-in-Two, which allow consumer to pay half of the value of their order up-front and the second half in two weeks; and other alternative installment options. It also provides Sezzle Virtual Card that allows consumers to access the Sezzle Platform in the form of merchants in-store and online with merchants that are not directly integrated with Sezzle; Sezzle Anywhere, a paid subscription service that allows consumers to use their Sezzle Virtual Card at any merchant online or in-store; Sezzle On-Demand, a service that allows consumers who are not subscribed to Sezzle Anywhere to use the Sezzle Platform at any merchant online or in-store; Sezzle Premium, a paid subscription service that allows its consumers to access large, non-integrated premium merchants; Sezzle Balance, a stored-value product that allows consumers to maintain funds in Sezzle account for use toward eligible purchases or make payments on the Sezzle Platform; and Sezzle Up, an opt-in feature of the Sezzle Platform. In addition, the company offers Long-Term Lending through collaboration with third-party lenders. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.
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Direct competitors
Who this company fights with for the same customers
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Balance Sheet & Liquidity
Revenue
$294M
Trailing 12 months (through 6/30/2026)
Net Income
$161M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$209M
Total Equity
$170M
Total Liabilities
$230M
Current Ratio
4.02
Interest Coverage
15.49
Debt/EBITDA
0.69
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$107.10
Current Price
$132.12
Margin of Safety
-23.4%
Fair Value Range
$69.61 - $144.58
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
28.85
ROE
78.4%
P/B Ratio
19.10
P/FCF
16.20
Gross Margin
-
ROIC
47.8%
Profitability Radar
Value Creation (Economic Moat)
ROIC
47.8%
WACC
17.8%
ROIC − WACC
+30.1 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Fundamental Analysis Criteria
Passed (19)
- EPS shows upward trend
- Price CAGR 214.91%
- ROIC 47.8%
- P/FCF 16.20
- Debt/equity ratio
- Operating margin 73.1%
- Positive free cash flow
- CapEx intensity
- Current ratio
- Interest coverage
- Debt/EBITDA
- Return on tangible assets
- Low reliance on intangibles
- ROE 85.5%
- Revenue growth 5Y 50.3%
- Earnings surprise, average 12.9%
- Earnings quality (operating cash flow / net income) 1.71
- Share dilution -0.2%
- Piotroski F-Score 8/9
Failed (4)
- P/B ratio 19.10
- Price below Graham Number
- DCF valuation (Overvalued)
- Net margin trend 55.0% vs 56.8%
Unavailable (3)
- Gross margin –
- Dividend payout –
- PEG ratio (needs P/E > 0 and growth > 0)
Piotroski F-Score
Strong financial health
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Charles G. Youakim | Co-Founder, Executive Chairman & CEO | 48 |
| Mr. Paul Victor Paradis | Co-Founder, President & Executive Director | 41 |
| Mr. Lee Dickson Brading C.F.A. | Chief Financial Officer | 57 |
| Mr. Amin Sabzivand | Chief Operating Officer | 36 |
| Justin Krause | Senior VP of Finance & Financial Controller | - |
Audit Risk
10
Board Risk
9
Compensation Risk
8
Shareholder Rights Risk
2
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-26
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-07
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-08
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much SEZL moves, measured on its daily prices.
More volatile than 98% of the tracked stocks (90-day volatility).
- Volatility 30d
- 55.9%
- Volatility 90d
- 95.2%
- Beta vs S&P 500 (1y)
- 2.44Correlation 0.36
- Max drawdown (12m)
- -43.3%
- ATR (14d, % of price)
- 5.38%
Earnings reactions
How SEZL moved around its past quarterly results.
Next earnings release
Nov 4, 2026 · In 11 days · Time not known
EPS estimate: 1.29Revenue estimate: $155M
What usually happens
- Over the last 12 releases the stock moved a median of 34.1% the next day, up or down.
- Next-day moves: up 9, down 3 (out of 12).
- Of the 4 releases that beat estimates, the stock fell the next day after 2.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Aug 6, 2026 | After the close | 1.05 | 1.13 | +7.9% | -25.9% | -33.9% | -27.3% |
| May 6, 2026 | After the close | 1.26 | 1.43 | +13.4% | +17.0% | +16.0% | +19.0% |
| Feb 25, 2026 | After the close | 0.98 | 1.21 | +23.6% | +25.0% | +35.3% | +19.7% |
| Nov 5, 2025 | After the close | 0.66 | 0.71 | +6.8% | +2.8% | -12.5% | -13.5% |
| Aug 7, 2025 | After the close | n/a | n/a | n/a | -25.7% | -34.3% | -34.4% |
| May 7, 2025 | After the close | n/a | n/a | n/a | +30.5% | +42.1% | +72.5% |
| Feb 25, 2025 | After the close | n/a | n/a | n/a | +14.9% | +5.1% | -10.1% |
| Nov 7, 2024 | After the close | n/a | n/a | n/a | +39.7% | +72.3% | +48.6% |
| Aug 7, 2024 | After the close | n/a | n/a | n/a | +18.0% | +35.1% | +53.7% |
| May 8, 2024 | After the close | n/a | n/a | n/a | +45.3% | +75.7% | +60.6% |
| Feb 26, 2024 | After the close | n/a | n/a | n/a | +14.0% | +20.0% | +7.4% |
| Nov 8, 2023 | After the close | n/a | n/a | n/a | +2.8% | +4.7% | +17.9% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on SEZL and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for SEZL.