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Sezzle Inc. (SEZL) stock analysis

SEZLNasdaqServices-Business Services, NECFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 10/3034% above fair value
$154.60−0.07 (-0.05%)

Close on Nov 13, 2026Market cap $5.21BP/E 29.8Yield –

StockData Score

Prices as of Nov 13, 2026How the score works

Value0Growth3Performance4Health3Dividend0

Mixed10 of 30 checks passed

Sezzle passes 10 of the 30 checks behind our score; 12 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
3/6
Past performance
4/6
Financial health
3/6
Dividend
0/6

What stands out

  • Return on capital over 10%

    Return on invested capital was 169%, above the 10% that usually covers the cost of capital.

  • Revenue growing 10%+ a year

    Revenue grew 53.1% a year over the last three fiscal years.

  • Interest well covered

    Operating income covers interest expense 19.1 times.

  • Low bankruptcy risk

    The Altman Z-score is 19.34; above 3 is the safe zone and below 1.8 the distress zone.

What to watch

  • Margin of safety under 20%

    The price is 33.8% above fair value, so there is no margin of safety.

  • Trading above fair value

    The share price of $154.60 is above our fair value estimate of $115.58.

  • Return on equity under 15%

    Return on equity was 84.3% over the last twelve months and averaged -5.0% over five years; we look for 15% on both.

  • P/E above its 5-year median

    Sezzle's P/E of 29.8 is above its own 5-year median of 28.1.

Valuation0/6

  • P/E above its 5-year median

    Sezzle's P/E of 29.8 is above its own 5-year median of 28.1.

  • P/E above the industry

    Sezzle's P/E of 29.8 is above the Miscellaneous Business Services median of 25.6.

  • EV/EBITDA above its 5-year median

    Sezzle's EV/EBITDA of 20.9 is above its 5-year median of 17.0.

  • P/B above the industry

    Sezzle's price-to-book of 18.75 is above the Miscellaneous Business Services median of 2.48.

  • Trading above fair value

    The share price of $154.60 is above our fair value estimate of $115.58.

  • Margin of safety under 20%

    The price is 33.8% above fair value, so there is no margin of safety.

Growth3/6

  • Revenue growing 10%+ a year

    Revenue grew 53.1% a year over the last three fiscal years.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing faster than the industry

    Revenue grew 38.9% over the last twelve months; the Miscellaneous Business Services median is 9.8%.

  • Guidance raised

    Sezzle raised its FY2026 Total Revenue Growth outlook on Aug 6, 2026.

  • Gross margin trend

    This company does not report gross profit.

Past performance4/6

  • Return on equity under 15%

    Return on equity was 84.3% over the last twelve months and averaged -5.0% over five years; we look for 15% on both.

  • Return on capital over 10%

    Return on invested capital was 169%, above the 10% that usually covers the cost of capital.

  • Return on equity above the industry

    Sezzle's return on equity of 84.3% is above the Miscellaneous Business Services median of 6.8%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin above its 5-year average

    Net margin was 31.4% over the last twelve months, against a 5-year average of -6.6%.

  • Net margin above the industry

    Sezzle's net margin of 31.4% is above the Miscellaneous Business Services median of 4.1%.

Financial health3/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest well covered

    Operating income covers interest expense 19.1 times.

  • Short-term assets cover short-term debts

    Current assets are 4.21 times current liabilities.

  • Low bankruptcy risk

    The Altman Z-score is 19.34; above 3 is the safe zone and below 1.8 the distress zone.

Dividend0/6

  • No dividend

    Sezzle has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$115.58

The share price is 34% above this estimate.

20%+ below
Near fair value
20%+ above
$154.60Price$115.58Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E26.8×28.1×25.6×$139.2544%
EV/EBITDA16.3×17.0×15.5×$120.5439%
Earnings power7.6% cost of equity––$40.9017%
Fair value$115.58100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 28.1
  • Miscellaneous Business Services median 25.6

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$77.80M
Value traded per 1% price move
$23.94M

Downside

High risk

Typical loss in a bad month
31.3%
Volatility (annualized)
87%
Sharpe ratio, 1 year
1.89
Beta to the S&P 500 (5Y)
-0.82

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2019 to 2025

Operating margin

39.3%+86.8 pts over 5 years

Net margin

29.6%+84.7 pts over 5 years

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