Sezzle Inc. (SEZL) 10-Year Financial Performance & Capital Metrics

SEZL • • Banking & Credit

Financial ServicesCredit ServicesPayment Processing & Digital PaymentsDigital Payment Platforms

AboutSezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company provides payment solution at online stores and various brick-and-mortar retail locations that connects consumers with merchants. Its platform enables customers to make online purchases and split the payment for the purchase in four equal interest free payments over six weeks. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.Show more

Net Interest Income -$14M +13.8%
Total Revenue $271M +70.1%
Net Income $79M +1006.3%
Return on Equity 142.86% +211.3%
Net Interest Margin -4.61% +38.6%
Efficiency Ratio 31.63% -2.3%
ROA 30.73% +733.9%
Equity / Assets 29.44% +183.3%
Book Value per Share 2.45 +277.4%
Tangible BV/Share 2.38 +301.4%
Debt/Equity 1.19 -72.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 31.6% efficiency ratio
✓Well capitalized: 29.4% equity/assets
✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

✗Weak NIM of -4.6%
✗Trading more than 30% below 52-week high
✗Expensive at 31.2x book value

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y-

3Y-

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM106.45%

EPS CAGR

10Y-

5Y-

3Y-

TTM104.55%

ROCE

10Y Avg-28.2%

5Y Avg-2.75%

3Y Avg30.11%

Latest75.43%

Peer Comparison

Digital Payment Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
SEZLSezzle Inc.	2.6B	76.26	34.82	70.14%	28.96%	74.58%	1.51%	1.19
PYPLPayPal Holdings, Inc.	52.92B	56.56	14.18	6.81%	13.04%	24.34%	12.79%	0.48
WUThe Western Union Company	2.92B	9.20	3.36	-3.38%	22.19%	83.3%	12.62%	3.23
CURRCurrenc Group, Inc.	123.32M	1.61	-1.56	-12.81%	-85.01%	-138.16%	2.33%
GDOTGreen Dot Corporation	682.14M	12.28	-24.56	14.82%	-1.55%	-5.14%	1.04%	0.07

Profit & Loss

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	-96.5K	-3.98M	-3.3M	-3.82M	-8.6M	-15.97M	-13.76M
NII Growth %	-	-	-40.23%	0.17%	-0.16%	-1.25%	-0.86%	0.14%
Net Interest Margin %	-	-	-	-	-	-	-	-
Interest Income	0	96.5K	0	0	0	0	0	0
Interest Expense	0	0	3.98M	3.3M	3.82M	8.6M	15.97M	13.76M
Loan Loss Provision	35.35K	915.27K	1.68M	19.19M	1.45M	83.39M	69.61M	89.37M
Non-Interest Income+	29.37K	1.54M	0	58.79M	0	125.57M	159.36M	271.13M
Non-Interest Income %	-	-	-	-	-	-	-	-
Total Revenue+	29.37K	1.63M	0	58.79M	0	125.57M	159.36M	271.13M
Revenue Growth %	-	54.58%	-1%	-	-1%	-	0.27%	0.7%
Non-Interest Expense	808.35K	4.75M	10.93M	64.36M	69.84M	62.01M	51.57M	85.75M
Efficiency Ratio	-	-	-	-	-	-	-	-
Operating Income+	-814.33K	-4.03M	-16.58M	-28.06M	-75.11M	-28.43M	22.2M	82.25M
Operating Margin %	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-3.95%	-3.11%	-0.69%	-1.68%	0.62%	1.78%	2.7%
Pretax Income+	-1.77M	-4.19M	-16.58M	-32.36M	-75.11M	-38.02M	7.71M	67.32M
Pretax Margin %	-	-	-	-	-	-	-	-
Income Tax+	0	5	11.98K	30.96K	58.42K	69.45K	611.49K	-11.21M
Effective Tax Rate %	-	-	-	-	-	-	-	-
Net Income+	-1.77M	-4.19M	-16.6M	-32.39M	-75.17M	-38.09M	7.1M	78.52M
Net Margin %	-	-	-	-	-	-	-	-
Net Income Growth %	-	-1.37%	-2.96%	-0.95%	-1.32%	0.49%	1.19%	10.06%
Net Income (Continuing)	-1.77M	-4.19M	-16.6M	-32.39M	-75.17M	-38.09M	7.1M	78.52M
EPS (Diluted)+	-0.21	-0.45	-0.66	-0.84	-1.72	-1.17	0.21	2.19
EPS Growth %	-	-1.14%	-0.47%	-0.27%	-1.05%	0.32%	1.18%	9.43%
EPS (Basic)	-0.21	-0.45	-0.66	-0.84	-1.72	-1.17	0.21	2.33
Diluted Shares Outstanding	8.61M	9.38M	17.62M	29.5M	31.63M	32.66M	34.07M	35.89M

Balance Sheet

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	831.9K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	831.9K	6.52M	34.97M	84.29M	76.98M	68.28M	67.62M	73.19M
Short Term Investments	0	0	0	0	0	0	0	0
Total Investments+	0	20K	0	0	0	0	0	0
Investments Growth %	-	-	-1%	-	-	-	-	-
Long-Term Investments	0	20K	0	0	0	0	0	0
Accounts Receivables	212.98K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0
Intangible Assets	73.94K	260.73K	480.1K	537.05K	910.58K	1.32M	1.9M	2.44M
PP&E (Net)	10.23K	75.68K	1M	520.76K	948.34K	86.72K	994.48K	800.42K
Other Assets	21.4K	42.51K	69.17K	52.54K	253.75K	1.04M	707.47K	20.61M
Total Current Assets	1.08M	12.16M	62.99M	173M	221.29M	170.13M	209.04M	257.62M
Total Non-Current Assets	105.58K	378.92K	1.55M	1.11M	2.11M	2.45M	3.6M	40.75M
Total Assets+	1.18M	12.54M	64.54M	174.11M	223.4M	172.58M	212.65M	298.37M
Asset Growth %	-	9.62%	4.15%	1.7%	0.28%	-0.23%	0.23%	0.4%
Return on Assets (ROA)	-1.5%	-0.61%	-0.43%	-0.27%	-0.38%	-0.19%	0.04%	0.31%
Accounts Payable	107.9K	2.28M	13.28M	60.93M	96.52M	83.02M	74.14M	68.97M
Total Debt+	0	4.38M	1.14M	1.61M	78.22M	64.11M	95.67M	104.91M
Net Debt	-831.9K	-2.14M	-33.83M	-82.67M	1.24M	-4.17M	28.05M	31.73M
Long-Term Debt	0	4.38M	750.13K	1.47M	77.96M	64.03M	250K	103.99M
Short-Term Debt	0	0	0	0	0	0	94.38M	0
Other Liabilities	0	0	20.86M	44.31M	0	511.3K	2.05M	44.74K
Total Current Liabilities	160.57K	2.86M	15.61M	68.37M	107.56M	99.19M	187.27M	105.68M
Total Non-Current Liabilities	0	4.38M	21.61M	45.78M	78.05M	64.54M	3.28M	104.86M
Total Liabilities	160.57K	7.24M	37.22M	114.15M	185.61M	163.73M	190.55M	210.54M
Total Equity+	-2.25M	5.29M	27.32M	59.96M	37.79M	8.84M	22.09M	87.84M
Equity Growth %	-	3.35%	4.16%	1.19%	-0.37%	-0.77%	1.5%	2.98%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-	-2.76%	-1.02%	-0.74%	-1.54%	-1.63%	0.46%	1.43%
Book Value per Share	-0.26	0.56	1.55	2.03	1.19	0.27	0.65	2.45
Tangible BV per Share	-	-	-	-	-	-	-	-
Common Stock	594	594	51.14M	111.7M	164.63M	2.08K	2.08K	2.08K
Additional Paid-in Capital	69.18K	143.71K	0	0	0	179.05M	186.02M	188.59M
Retained Earnings	-2.26M	-6.02M	-23.82M	-51.74M	-126.84M	-165.5M	-157.52M	-89.77M
Accumulated OCI	-57.71K	0	0	0	0	-643.97K	-647K	-1.59M
Treasury Stock	0	0	0	0	0	-4.07M	-5.76M	-9.39M
Preferred Stock	1	11.16M	0	0	0	0	0	0

Cash Flow

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-900.2K	-6.23M	-19.92M	-24.81M	-72.13M	8.51M	-25.69M	40.9M
Operating CF Growth %	-	-5.92%	-2.2%	-0.25%	-1.91%	1.12%	-4.02%	2.59%
Net Income	-1.77M	-4.19M	-13.06M	-32.39M	-75.17M	-38.09M	7.1M	78.52M
Depreciation & Amortization	6.42K	96.84K	245.5K	845.43K	1.44M	847.13K	855.8K	965.4K
Deferred Taxes	0	0	0	0	0	0	0	-16.91M
Other Non-Cash Items	1.13M	4.92M	9.26M	69.79M	96.77M	40.56M	27.79M	67.66M
Working Capital Changes	-267.44K	-3.24M	-16.36M	-70.06M	-109.33M	-5.11M	-68.37M	-94.53M
Cash from Investing+	-98.42K	-368.9K	-532.22K	-732.91K	-1.42M	-1.01M	-1.37M	-1.46M
Purchase of Investments	0	0	0	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0
Other Investing	-89.55K	-267.38K	0	-322.01K	-734K	-955.84K	-1.28M	-1.39M
Cash from Financing+	495K	12.84M	49.99M	77.57M	63.24M	-15.69M	28.22M	-10.37M
Dividends Paid	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	-613.45K	-2.65M	-381.43K	-1.68M	-23.62M
Stock Issued	0	8.43M	27.55M	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	1000K	1000K	1000K	1000K	-1000K	1000K	1000K
Other Financing	495K	8.39M	0	58.41M	28.31M	-1.51M	-101.6K	3.25M
Net Change in Cash+	-503.62K	6.21M	29.54M	52.48M	-10.21M	-9.37M	1.18M	27.61M
Exchange Rate Effect	0	0	0	455.22K	98.38K	-1000K	17.4K	-1000K
Cash at Beginning	1.36M	851.9K	7.06M	36.62M	89.1M	78.89M	69.52M	70.7M
Cash at End	851.9K	7.06M	36.6M	89.1M	78.89M	69.52M	70.7M	98.31M
Interest Paid	0	0	0	3.77M	4.82M	7.79M	16.36M	14.05M
Income Taxes Paid	0	0	0	0	0	65.39K	452.43K	4.77M
Free Cash Flow+	-909.07K	-6.6M	-20.05M	-25.22M	-72.82M	7.5M	-27.06M	39.44M
FCF Growth %	-	-6.26%	-2.04%	-0.26%	-1.89%	1.1%	-4.61%	2.46%

Banking Ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-	-276.05%	-101.78%	-74.23%	-153.8%	-163.37%	45.89%	142.86%
Return on Assets (ROA)	-149.95%	-61.15%	-43.06%	-27.15%	-37.82%	-19.24%	3.69%	30.73%
Net Interest Margin	0%	-0.77%	-6.16%	-1.9%	-1.71%	-4.98%	-7.51%	-4.61%
Efficiency Ratio	2752.67%	291.02%	-	109.47%	-	49.38%	32.36%	31.63%
Equity / Assets	-190.76%	42.21%	42.33%	34.44%	16.92%	5.12%	10.39%	29.44%
Book Value / Share	-0.26	0.56	1.55	2.03	1.19	0.27	0.65	2.45
NII Growth	-	-	-4023.48%	17.06%	-15.73%	-125.19%	-85.66%	13.82%

Revenue by Segment

	2024
Subscription Revenue	82.22M
Subscription Revenue Growth	-
Service, Other	42.13M
Service, Other Growth	-

Frequently Asked Questions

Valuation & Price

Sezzle Inc. (SEZL) has a price-to-earnings (P/E) ratio of 34.8x. This suggests investors expect higher future growth.

Growth & Financials

Sezzle Inc. (SEZL) grew revenue by 70.1% over the past year. This is strong growth.

Yes, Sezzle Inc. (SEZL) is profitable, generating $115.8M in net income for fiscal year 2024 (29.0% net margin).

Dividend & Returns

Sezzle Inc. (SEZL) has a return on equity (ROE) of 142.9%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

Sezzle Inc. (SEZL) has a net interest margin (NIM) of -4.6%. NIM has been under pressure due to interest rate environment.

Sezzle Inc. (SEZL) has an efficiency ratio of 31.6%. This is excellent, indicating strong cost control.

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