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SEZLSezzle Inc.
$163.28$5.5B
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SEZL logoSezzle Inc.(SEZL)Earnings, Financials & Key Ratios

SEZL•NASDAQ•Banking & Credit
43.9× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryPoint-of-Sale and Buy Now Pay Later
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-1.9%
  • Total Revenue$450M+66.1%
  • Net Income$133M+69.5%
  • Return on Equity103.34%-27.7%
  • Net Interest Margin-3.5%+24.0%
  • Efficiency Ratio46.09%+45.7%
  • ROA38.11%+24.0%
  • Equity / Assets42.43%+44.1%
  • Book Value per Share4.75+94.1%

SEZL Key Insights

Sezzle Inc. (SEZL) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Excellent 3Y average ROE of 97.4%
  • ✓Strong Piotroski F-Score: 9/9
  • ✓Efficient operations: 46.1% efficiency ratio
  • ✓Momentum leader: RS Rating 97 (top 3%)
  • ✓Well capitalized: 42.4% equity/assets
  • ✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

  • ✗Weak NIM of -3.5%
  • ✗Expensive at 34.4x book value

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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SEZL Price & Volume

Sezzle Inc. (SEZL) stock price & volume — 10-year historical chart

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SEZL Growth Metrics

Sezzle Inc. (SEZL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years50.26%
3 Years53.06%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM38.99%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM41.36%

Return on Capital

10 Years-16.61%
5 Years19.72%
3 Years63.55%
Last Year70.27%

SEZL Recent Earnings

Sezzle Inc. (SEZL) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (100%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
May 6, 2026
Metric
Actual
Est
EPS
$1.43+15.3%
$1.24
Rev
$136M+6.1%
$128M
Q1 2026
Feb 25, 2026
Metric
Actual
Est
EPS
$1.21+26.0%
$0.96
Rev
$130M+1.8%
$128M
Q4 2025
Nov 5, 2025
Metric
Actual
Est
EPS
$0.71+9.2%
$0.65
Rev
$117M-9.0%
$128M
Q3 2025
Aug 7, 2025
Metric
Actual
Est
EPS
$0.69+19.0%
$0.58
Rev
$99M+4.0%
$95M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 6, 2026
$1.43vs $1.24+15.3%
$136Mvs $128M+6.1%
Q1 2026Feb 25, 2026
$1.21vs $0.96+26.0%
$130Mvs $128M+1.8%
Q4 2025Nov 5, 2025
$0.71vs $0.65+9.2%
$117Mvs $128M-9.0%
Q3 2025Aug 7, 2025
$0.69vs $0.58+19.0%
$99Mvs $95M+4.0%
Based on last 12 quarters of dataView full earnings history →

SEZL Peer Comparison

Sezzle Inc. (SEZL) competitors in Point-of-Sale and Buy Now Pay Later — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
AFRM logoAFRMAffirm Holdings, Inc.Direct Competitor24.62B73.92492.8038.8%11.95%11.17%2.56
LPRO logoLPROOpen Lending CorporationDirect Competitor367.65M3.11-87.11288.02%-5.95%-7.04%1.17
OPFI logoOPFIOppFi Inc.Direct Competitor726.63M8.438.5213.52%10.86%23.06%1.08
ATLC logoATLCAtlanticus Holdings CorporationDirect Competitor1.51B100.1216.8053.29%10.79%21.82%10.84
SYF logoSYFSynchrony FinancialProduct Competitor26.16B75.268.10-7.91%18.08%21.41%0.91
COF logoCOFCapital One Financial CorporationProduct Competitor124.76B201.5350.0128.39%3.54%2.44%0.45
ALLY logoALLYAlly Financial Inc.Product Competitor14.3B45.4919.19-25.75%5.61%5.74%1.40
CACC logoCACCCredit Acceptance CorporationProduct Competitor6.04B579.7315.448.57%19.61%29.39%4.17

Compare SEZL vs Peers

Sezzle Inc. (SEZL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs AFRM

Most directly comparable listed peer for SEZL.

Scale Benchmark

vs V

Larger-name benchmark to compare SEZL against a more recognizable public peer.

Peer Set

Compare Top 5

vs AFRM, LPRO, OPFI, ATLC

SEZL Income Statement

Sezzle Inc. (SEZL) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
0-96.5K-3.98M-3.3M-3.82M-8.6M-15.97M-13.76M-14.02M-8.09M
NII Growth %
---4023.48%17.06%-15.73%-125.19%-85.66%13.82%-1.88%158.29%
Net Interest Margin %
0%-0.77%-6.16%-1.9%-1.71%-4.98%-7.51%-4.61%-3.5%-1.78%
Interest Income
096.5K00000000
Interest Expense
003.98M3.3M3.82M8.6M15.97M13.76M14.02M8.09M
Loan Loss Provision
35.35K915.27K1.68M19.19M40.41M83.39M69.61M89.37M51.94M46.02M
Non-Interest Income
29.37K1.54M058.79M114.82M125.57M159.36M271.13M450.28M480.91M
Non-Interest Income %
100%94.09%-100%100%100%100%100%100%100%
Total Revenue
29.37K▲ 0%
1.63M▲ 5457.7%
0▼ 100.0%
58.79M▲ 0%
114.82M▲ 95.3%
125.57M▲ 9.4%
159.36M▲ 26.9%
271.13M▲ 70.1%
450.28M▲ 66.1%
480.91M▲ 0%
Revenue Growth %
-5457.65%-100%-95.31%9.37%26.91%70.14%66.08%204.71%
Non-Interest Expense
808.35K4.75M10.93M64.36M139.27M62.01M51.57M85.75M207.53M230.86M
Efficiency Ratio
2752.67%291.02%-109.47%121.3%49.38%32.36%31.63%46.09%48.01%
Operating Income
-814.33K▲ 0%
-4.03M▼ 395.2%
-16.58M▼ 311.2%
-28.06M▼ 69.2%
-68.68M▼ 144.8%
-28.43M▲ 58.6%
22.2M▲ 178.1%
82.25M▲ 270.5%
176.79M▲ 115.0%
195.93M▲ 0%
Operating Margin %
-2773.03%-247.1%--47.73%-59.81%-22.64%13.93%30.33%39.26%40.74%
Operating Income Growth %
--395.24%-311.22%-69.19%-144.76%58.6%178.08%270.47%114.95%-
Pretax Income
-1.77M▲ 0%
-4.19M▼ 136.8%
-16.58M▼ 295.5%
-32.36M▼ 95.1%
-75.11M▼ 132.1%
-38.02M▲ 49.4%
7.71M▲ 120.3%
67.32M▲ 773.2%
162.89M▲ 142.0%
181.87M▲ 0%
Pretax Margin %
-6029.33%-256.95%--55.05%-65.42%-30.28%4.84%24.83%36.18%37.82%
Income Tax
0511.98K30.96K58.42K69.45K611.49K-11.21M29.76M33.6M
Effective Tax Rate %
0%-0%-0.07%-0.1%-0.08%-0.18%7.93%-16.65%18.27%18.48%
Net Income
-1.77M▲ 0%
-4.19M▼ 136.8%
-16.6M▼ 295.8%
-32.39M▼ 95.2%
-75.17M▼ 132.1%
-38.09M▲ 49.3%
7.1M▲ 118.6%
78.52M▲ 1006.3%
133.13M▲ 69.5%
148.27M▲ 0%
Net Margin %
-6029.33%-256.95%--55.1%-65.47%-30.34%4.45%28.96%29.57%30.83%
Net Income Growth %
--136.85%-295.76%-95.18%-132.05%49.32%118.63%1006.26%69.54%38.99%
Net Income (Continuing)
-1.77M-4.19M-16.6M-32.39M-75.17M-38.09M7.1M78.52M133.13M148.27M
EPS (Diluted)
-0.21▲ 0%
-0.45▼ 114.3%
-0.66▼ 46.7%
-0.84▼ 27.3%
-2.38▼ 183.3%
-1.17▲ 50.8%
0.21▲ 117.9%
2.19▲ 942.9%
3.72▲ 69.9%
4.24▲ 0%
EPS Growth %
--114.29%-46.67%-27.27%-183.33%50.84%117.95%942.86%69.86%41.36%
EPS (Basic)
-0.21-0.45-0.66-0.84-2.38-1.170.212.333.93-
Diluted Shares Outstanding
8.61M9.38M17.62M29.5M31.63M32.66M34.07M35.89M35.74M34.93M

SEZL Balance Sheet

Sezzle Inc. (SEZL) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
831.9K6.52M34.97M84.29M76.98M68.28M67.62M73.19M64.05M377.59M
Cash & Due from Banks
831.9K6.52M34.97M84.29M76.98M68.28M67.62M73.19M64.05M120.45M
Short Term Investments
0000000000
Total Investments
020K00000000
Investments Growth %
---100%------0%
Long-Term Investments
020K00000000
Accounts Receivables
212.98K4.96M25.19M80.81M133.99M2.53M1.57M1.69M254.9M262.97M
Goodwill & Intangibles
73.94K260.73K480.1K537.05K910.58K1.32M1.9M2.44M3.33M3.74M
Goodwill
0000000000
Intangible Assets
73.94K260.73K480.1K537.05K910.58K1.32M1.9M2.44M3.33M3.74M
PP&E (Net)
10.23K75.68K1M520.76K948.34K86.72K994.48K800.42K665K628K
Other Assets
21.4K42.51K69.17K52.54K253.75K1.04M707.47K20.61M30.75M23.02M
Total Current Assets
1.08M12.16M62.99M173M221.29M170.13M209.04M257.62M351.86M411.19M
Total Non-Current Assets
105.58K378.92K1.55M1.11M2.11M2.45M3.6M40.75M48.37M43.12M
Total Assets
1.18M▲ 0%
12.54M▲ 961.6%
64.54M▲ 414.9%
174.11M▲ 169.8%
223.4M▲ 28.3%
172.58M▼ 22.8%
212.65M▲ 23.2%
298.37M▲ 40.3%
400.23M▲ 34.1%
454.31M▲ 0%
Asset Growth %
-961.64%414.89%169.76%28.31%-22.75%23.22%40.31%34.14%196.97%
Return on Assets (ROA)
-149.95%-61.15%-43.06%-27.15%-37.82%-19.24%3.69%30.73%38.11%37.73%
Accounts Payable
107.9K2.28M13.28M60.93M96.52M83.02M74.14M68.97M56.37M57.57M
Total Debt
04.38M1.14M1.61M78.22M64.11M95.67M104.91M140.65M144.98M
Net Debt
-831.9K-2.14M-33.83M-82.67M1.24M-4.17M28.05M31.73M76.6M24.53M
Long-Term Debt
04.38M750.13K1.47M77.96M64.03M250K103.99M140.65M144.98M
Short-Term Debt
00000094.38M000
Other Liabilities
0020.86M44.31M0511.3K2.05M44.74K00
Total Current Liabilities
160.57K2.86M15.61M68.37M107.56M99.19M187.27M105.68M89.77M112.6M
Total Non-Current Liabilities
04.38M21.61M45.78M78.05M64.54M3.28M104.86M140.65M144.98M
Total Liabilities
160.57K7.24M37.22M114.15M185.61M163.73M190.55M210.54M230.42M257.58M
Total Equity
-2.25M▲ 0%
5.29M▲ 334.9%
27.32M▲ 416.4%
59.96M▲ 119.5%
37.79M▼ 37.0%
8.84M▼ 76.6%
22.09M▲ 149.8%
87.84M▲ 297.5%
169.81M▲ 93.3%
196.72M▲ 0%
Equity Growth %
-334.89%416.42%119.45%-36.97%-76.6%149.84%297.55%93.33%463.01%
Equity / Assets (Capital Ratio)
-190.76%42.21%42.33%34.44%16.92%5.12%10.39%29.44%42.43%43.3%
Return on Equity (ROE)
--276.05%-101.78%-74.23%-153.8%-163.37%45.89%142.86%103.34%90.93%
Book Value per Share
-0.260.561.552.031.190.270.652.454.755.63
Tangible BV per Share
-0.270.541.522.011.170.230.592.384.665.52
Common Stock
59459451.14M111.7M164.63M2.08K2.08K2.08K194.89M194.21M
Additional Paid-in Capital
69.18K143.71K000179.05M186.02M188.59M00
Retained Earnings
-2.26M-6.02M-23.82M-51.74M-126.84M-165.5M-157.52M-89.77M-324K28.27M
Accumulated OCI
-57.71K0000-643.97K-647K-1.59M-683K-761K
Treasury Stock
00000-4.07M-5.76M-9.39M-24.07M0
Preferred Stock
111.16M00000000

SEZL Cash Flow Statement

Sezzle Inc. (SEZL) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
-900.2K-6.23M-19.92M-24.81M-72.13M8.51M-25.69M40.9M209.91M240.05M
Operating CF Growth %
--592.44%-219.57%-24.55%-190.75%111.8%-401.82%259.2%413.22%15587.44%
Net Income
-1.77M-4.19M-13.06M-32.39M-75.17M-38.09M7.1M78.52M133.13M148.27M
Depreciation & Amortization
6.42K96.84K245.5K845.43K1.44M847.13K855.8K965.4K1.36M1.52M
Deferred Taxes
0000000-16.91M3.29M-4.11M
Other Non-Cash Items
1.13M4.92M9.26M69.79M96.77M40.56M27.79M67.66M122.62M127.43M
Working Capital Changes
-267.44K-3.24M-16.36M-70.06M-109.33M-5.11M-68.37M-94.53M-57.01M-38.31M
Cash from Investing
-98.42K-368.9K-532.22K-732.91K-1.42M-1.01M-1.37M-1.46M-181.57M-203.75M
Purchase of Investments
0000000000
Sale/Maturity of Investments
0000000000
Net Investment Activity
0000000000
Acquisitions
0000000000
Other Investing
-89.55K-267.38K0-322.01K-734K-955.84K-1.28M-1.39M-180.91M-202.04M
Cash from Financing
495K12.84M49.99M77.57M63.24M-15.69M28.22M-10.37M-25.41M-10.79M
Dividends Paid
0000000000
Share Repurchases
000-613.45K-2.65M-381.43K-1.68M-23.62M-64.66M-87.96M
Stock Issued
08.43M27.55M000003.77M3.25M
Net Stock Activity
08.43M27.55M-613.45K-2.65M-381.43K-1.68M-23.62M-60.88M-84.71M
Debt Issuance (Net)
01000K1000K1000K1000K-1000K1000K1000K1000K2M
Other Financing
495K8.39M058.41M28.31M-1.51M-101.6K3.25M22.47M98K
Net Change in Cash
-503.62K▲ 0%
6.21M▲ 1333.7%
29.54M▲ 375.5%
52.48M▲ 77.7%
-10.21M▼ 119.5%
-9.37M▲ 8.3%
1.18M▲ 112.6%
27.61M▲ 2246.7%
4.29M▼ 84.5%
34.46M▲ 0%
Exchange Rate Effect
000455.22K98.38K-1.18M17.4K-1.46M1.36M8.96M
Cash at Beginning
1.36M851.9K7.06M36.62M89.1M78.89M69.52M70.7M98.31M72.47M
Cash at End
851.9K7.06M36.6M89.1M78.89M69.52M70.7M98.31M102.6M125.19M
Interest Paid
0003.77M4.82M7.79M16.36M14.05M15.32M8.03M
Income Taxes Paid
0000065.39K452.43K4.77M28.07M25.23M
Free Cash Flow
-909.07K▲ 0%
-6.6M▼ 626.3%
-20.05M▼ 203.6%
-25.22M▼ 25.8%
-72.82M▼ 188.7%
7.5M▲ 110.3%
-27.06M▼ 460.6%
39.44M▲ 245.8%
208.36M▲ 428.3%
238.46M▲ 0%
FCF Growth %
--626.27%-203.62%-25.81%-188.73%110.3%-460.57%245.76%428.35%297%

SEZL Banking Ratios

Sezzle Inc. (SEZL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric20182019202020212022202320242025TTM
Return on Equity (ROE)
-276.05%-101.78%-74.23%-153.8%-163.37%45.89%142.86%103.34%90.93%
Return on Assets (ROA)
-61.15%-43.06%-27.15%-37.82%-19.24%3.69%30.73%38.11%37.73%
Net Interest Margin
-0.77%-6.16%-1.9%-1.71%-4.98%-7.51%-4.61%-3.5%-1.78%
Efficiency Ratio
291.02%-109.47%121.3%49.38%32.36%31.63%46.09%48.01%
Equity / Assets
42.21%42.33%34.44%16.92%5.12%10.39%29.44%42.43%43.3%
Book Value / Share
0.561.552.031.190.270.652.454.755.63
NII Growth
--4023.48%17.06%-15.73%-125.19%-85.66%13.82%-1.88%35.75%
Dividend Payout
--------0%
Related:SEZL Dividend History·SEZL Revenue History·SEZL Price History·SEZL P/E History·SEZL Financial Ratios·SEZL Institutional Holders

SEZL SEC Filings & Documents

Sezzle Inc. (SEZL) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 6, 2026·SEC

Material company update

Apr 15, 2026·SEC

Material company update

Apr 9, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 8, 2025·SEC

SEZL Frequently Asked Questions

Sezzle Inc. (SEZL) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Sezzle Inc. (SEZL) grew revenue by 66.1% over the past year. This is strong growth.

Yes, Sezzle Inc. (SEZL) is profitable, generating $148.3M in net income for fiscal year 2025 (29.6% net margin).

Dividend & Returns

Sezzle Inc. (SEZL) has a return on equity (ROE) of 103.3%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

Sezzle Inc. (SEZL) has a net interest margin (NIM) of -3.5%. NIM has been under pressure due to interest rate environment.

Sezzle Inc. (SEZL) has an efficiency ratio of 46.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in SEZL back in 2017?

Total return calculator · dividends reinvested · 9+ years of data

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How much would $100/month in SEZL be worth today?

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