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Sezzle Inc.(SEZL)Earnings, Financials & Key Ratios
SEZL•NASDAQ•Banking & Credit
$85.19
$2.88B mkt cap·22.9× P/E·Price updated May 6, 2026
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$0+100.0%
- Total Revenue$450M+66.1%
- Net Income$133M+69.5%
- Return on Equity103.34%-27.7%
- Net Interest Margin0%+100.0%
- Efficiency Ratio46.09%+45.7%
- ROA38.11%+24.0%
- Equity / Assets42.43%+44.1%
- Book Value per Share4.75+94.1%
- Tangible BV/Share4.66+95.8%
- Debt/Equity0.83-30.7%
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
- ✓Well capitalized: 42.4% equity/assets
- ✓Diversified revenue: 100.0% from non-interest income
✗Weaknesses
- ✗Trading more than 30% below 52-week high
- ✗Expensive at 17.9x book value
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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-
TTM69.54%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM70.51%
Return on Capital
10 Years-17.26%
5 Years18.56%
3 Years63.55%
Last Year70.27%
SEZL Recent Earnings
Sezzle Inc. (SEZL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (100%)●Beat Revenue 10/12 qtrs (83%)
Q1 2026Latest
Feb 25, 2026EPS
$1.21
Est $0.96
+26.0%
Revenue
$130M
Est $128M
+1.8%
Q4 2025
Nov 5, 2025EPS
$0.71
Est $0.65
+9.2%
Revenue
$117M
Est $128M
-9.0%
Q3 2025
Aug 7, 2025EPS
$0.69
Est $0.58
+19.0%
Revenue
$99M
Est $95M
+4.0%
Q2 2025
May 7, 2025EPS
$1.00
Est $0.32
+212.5%
Revenue
$105M
Est $65M
+62.0%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 25, 2026 | $1.21vs $0.96+26.0% | $130Mvs $128M+1.8% |
| Q4 2025 | Nov 5, 2025 | $0.71vs $0.65+9.2% | $117Mvs $128M-9.0% |
| Q3 2025 | Aug 7, 2025 | $0.69vs $0.58+19.0% | $99Mvs $95M+4.0% |
| Q2 2025 | May 7, 2025 | $1.00vs $0.32+212.5% | $105Mvs $65M+62.0% |
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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 AFRM | 22.26B | 66.81 | 445.40 | 38.8% | 7.6% | 8.83% | 2.7% | 2.56 |
 LPRO | 197.66M | 1.67 | -46.83 | 288.02% | -4.54% | -5.53% | 1.17 | |
 OPFI | 258.44M | 9.75 | 9.85 | 13.52% | 4.41% | 10.12% | 100% | 1.10 |
 ATLC | 1.16B | 77.59 | 13.02 | 53.29% | 17.35% | 21.1% | 54.7% | 10.84 |
 SYF | 25.65B | 73.78 | 7.94 | -7.91% | 18.58% | 21.41% | 38.41% | 0.91 |
 COF | 117.42B | 189.68 | 47.07 | 28.39% | 3.54% | 2.44% | 22.26% | 0.45 |
 ALLY | 13.33B | 43.21 | 18.23 | -25.75% | 7.01% | 5.5% | 1.40 | |
 CACC | 5.48B | 525.67 | 14.00 | 8.57% | 18.29% | 29.39% | 19.22% | 4.17 |
Compare SEZL vs Peers
Sezzle Inc. (SEZL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SEZL Income Statement
Sezzle Inc. (SEZL) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | -96.5K | -3.98M | -3.3M | -3.82M | -8.6M | -15.97M | -13.76M | 0 |
| NII Growth % | - | - | -4023.48% | 17.06% | -15.73% | -125.19% | -85.66% | 13.82% | 100% |
| Net Interest Margin % | 0% | -0.77% | -6.16% | -1.9% | -1.71% | -4.98% | -7.51% | -4.61% | 0% |
| Interest Income | 0 | 96.5K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 0 | 0 | 3.98M | 3.3M | 3.82M | 8.6M | 15.97M | 13.76M | -14.02M |
| Loan Loss Provision | 35.35K | 915.27K | 1.68M | 19.19M | 1.45M | 83.39M | 69.61M | 89.37M | 79.98M |
| Non-Interest Income | 29.37K | 1.54M | 0 | 58.79M | 114.82M | 125.57M | 159.36M | 271.13M | 450.28M |
| Non-Interest Income % | 100% | 94.09% | - | 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% |
| Revenue Growth % | - | 5457.65% | -100% | - | 95.31% | 9.37% | 26.91% | 70.14% | 66.08% |
| Non-Interest Expense | 808.35K | 4.75M | 10.93M | 64.36M | 69.84M | 62.01M | 51.57M | 85.75M | 207.53M |
| Efficiency Ratio | 2752.67% | 291.02% | - | 109.47% | 60.83% | 49.38% | 32.36% | 31.63% | 46.09% |
| Operating Income | -814.33K▲ 0% | -4.03M▼ 395.2% | -16.58M▼ 311.2% | -28.06M▼ 69.2% | -75.11M▼ 167.7% | -28.43M▲ 62.1% | 22.2M▲ 178.1% | 82.25M▲ 270.5% | 176.79M▲ 115.0% |
| Operating Margin % | -2773.03% | -247.1% | - | -47.73% | -65.42% | -22.64% | 13.93% | 30.33% | 39.26% |
| Operating Income Growth % | - | -395.24% | -311.22% | -69.19% | -167.69% | 62.14% | 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% |
| Pretax Margin % | -6029.33% | -256.95% | - | -55.05% | -65.42% | -30.28% | 4.84% | 24.83% | 36.18% |
| Income Tax | 0 | 5 | 11.98K | 30.96K | 58.42K | 69.45K | 611.49K | -11.21M | 29.76M |
| Effective Tax Rate % | 0% | -0% | -0.07% | -0.1% | -0.08% | -0.18% | 7.93% | -16.65% | 18.27% |
| 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% |
| Net Margin % | -6029.33% | -256.95% | - | -55.1% | -65.47% | -30.34% | 4.45% | 28.96% | 29.57% |
| Net Income Growth % | - | -136.85% | -295.76% | -95.18% | -132.05% | 49.32% | 118.63% | 1006.26% | 69.54% |
| Net Income (Continuing) | -1.77M | -4.19M | -16.6M | -32.39M | -75.17M | -38.09M | 7.1M | 78.52M | 133.13M |
| 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% |
| EPS Growth % | - | -114.29% | -46.67% | -27.27% | -183.33% | 50.84% | 117.95% | 942.86% | 69.86% |
| EPS (Basic) | -0.21 | -0.45 | -0.66 | -0.84 | -2.38 | -1.17 | 0.21 | 2.33 | 3.93 |
| Diluted Shares Outstanding | 8.61M | 9.38M | 17.62M | 29.5M | 31.63M | 32.66M | 34.07M | 35.89M | 35.74M |
SEZL Balance Sheet
Sezzle Inc. (SEZL) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 831.9K | 6.52M | 34.97M | 84.29M | 76.98M | 68.28M | 67.62M | 73.19M | 64.05M |
| Cash & Due from Banks | 831.9K | 6.52M | 34.97M | 84.29M | 76.98M | 68.28M | 67.62M | 73.19M | 64.05M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 0 | 20K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments Growth % | - | - | -100% | - | - | - | - | - | - |
| Long-Term Investments | 0 | 20K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivables | 212.98K | 4.96M | 25.19M | 80.81M | 133.99M | 2.53M | 1.57M | 1.69M | 254.9M |
| Goodwill & Intangibles | 73.94K | 260.73K | 480.1K | 537.05K | 910.58K | 1.32M | 1.9M | 2.44M | 3.33M |
| Goodwill | 0 | 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 | 3.33M |
| PP&E (Net) | 10.23K | 75.68K | 1M | 520.76K | 948.34K | 86.72K | 994.48K | 800.42K | 665K |
| Other Assets | 21.4K | 42.51K | 69.17K | 52.54K | 253.75K | 1.04M | 707.47K | 20.61M | 30.75M |
| Total Current Assets | 1.08M | 12.16M | 62.99M | 173M | 221.29M | 170.13M | 209.04M | 257.62M | 351.86M |
| Total Non-Current Assets | 105.58K | 378.92K | 1.55M | 1.11M | 2.11M | 2.45M | 3.6M | 40.75M | 48.37M |
| 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% |
| Asset Growth % | - | 961.64% | 414.89% | 169.76% | 28.31% | -22.75% | 23.22% | 40.31% | 34.14% |
| Return on Assets (ROA) | -149.95% | -61.15% | -43.06% | -27.15% | -37.82% | -19.24% | 3.69% | 30.73% | 38.11% |
| Accounts Payable | 107.9K | 2.28M | 13.28M | 60.93M | 96.52M | 83.02M | 74.14M | 68.97M | 56.37M |
| Total Debt | 0 | 4.38M | 1.14M | 1.61M | 78.22M | 64.11M | 95.67M | 104.91M | 140.65M |
| Net Debt | -831.9K | -2.14M | -33.83M | -82.67M | 1.24M | -4.17M | 28.05M | 31.73M | 76.6M |
| Long-Term Debt | 0 | 4.38M | 750.13K | 1.47M | 77.96M | 64.03M | 250K | 103.99M | 140.65M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 94.38M | 0 | 0 |
| Other Liabilities | 0 | 0 | 20.86M | 44.31M | 0 | 511.3K | 2.05M | 44.74K | 0 |
| Total Current Liabilities | 160.57K | 2.86M | 15.61M | 68.37M | 107.56M | 99.19M | 187.27M | 105.68M | 89.77M |
| Total Non-Current Liabilities | 0 | 4.38M | 21.61M | 45.78M | 78.05M | 64.54M | 3.28M | 104.86M | 140.65M |
| Total Liabilities | 160.57K | 7.24M | 37.22M | 114.15M | 185.61M | 163.73M | 190.55M | 210.54M | 230.42M |
| 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% |
| Equity Growth % | - | 334.89% | 416.42% | 119.45% | -36.97% | -76.6% | 149.84% | 297.55% | 93.33% |
| Equity / Assets (Capital Ratio) | -190.76% | 42.21% | 42.33% | 34.44% | 16.92% | 5.12% | 10.39% | 29.44% | 42.43% |
| Return on Equity (ROE) | - | -276.05% | -101.78% | -74.23% | -153.8% | -163.37% | 45.89% | 142.86% | 103.34% |
| Book Value per Share | -0.26 | 0.56 | 1.55 | 2.03 | 1.19 | 0.27 | 0.65 | 2.45 | 4.75 |
| Tangible BV per Share | -0.27 | 0.54 | 1.52 | 2.01 | 1.17 | 0.23 | 0.59 | 2.38 | 4.66 |
| Common Stock | 594 | 594 | 51.14M | 111.7M | 164.63M | 2.08K | 2.08K | 2.08K | 194.89M |
| Additional Paid-in Capital | 69.18K | 143.71K | 0 | 0 | 0 | 179.05M | 186.02M | 188.59M | 0 |
| Retained Earnings | -2.26M | -6.02M | -23.82M | -51.74M | -126.84M | -165.5M | -157.52M | -89.77M | -324K |
| Accumulated OCI | -57.71K | 0 | 0 | 0 | 0 | -643.97K | -647K | -1.59M | -683K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | -4.07M | -5.76M | -9.39M | -24.07M |
| Preferred Stock | 1 | 11.16M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SEZL Cash Flow Statement
Sezzle Inc. (SEZL) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -900.2K | -6.23M | -19.92M | -24.81M | -72.13M | 8.51M | -25.69M | 40.9M | 209.91M |
| Operating CF Growth % | - | -592.44% | -219.57% | -24.55% | -190.75% | 111.8% | -401.82% | 259.2% | 413.22% |
| Net Income | -1.77M | -4.19M | -13.06M | -32.39M | -75.17M | -38.09M | 7.1M | 78.52M | 133.13M |
| Depreciation & Amortization | 6.42K | 96.84K | 245.5K | 845.43K | 1.44M | 847.13K | 855.8K | 965.4K | 1.36M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -16.91M | 3.29M |
| Other Non-Cash Items | 1.13M | 4.92M | 9.26M | 69.79M | 96.77M | 40.56M | 27.79M | 67.66M | 196.86M |
| Working Capital Changes | -267.44K | -3.24M | -16.36M | -70.06M | -109.33M | -5.11M | -68.37M | -94.53M | -131.25M |
| Cash from Investing | -98.42K | -368.9K | -532.22K | -732.91K | -1.42M | -1.01M | -1.37M | -1.46M | -181.57M |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -89.55K | -267.38K | 0 | -322.01K | -734K | -955.84K | -1.28M | -1.39M | -180.91M |
| Cash from Financing | 495K | 12.84M | 49.99M | 77.57M | 63.24M | -15.69M | 28.22M | -10.37M | -25.41M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | -613.45K | -2.65M | -381.43K | -1.68M | -23.62M | -64.66M |
| Stock Issued | 0 | 8.43M | 27.55M | 0 | 0 | 0 | 0 | 0 | 3.02M |
| Net Stock Activity | 0 | 8.43M | 27.55M | -613.45K | -2.65M | -381.43K | -1.68M | -23.62M | -61.63M |
| Debt Issuance (Net) | 0 | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K |
| Other Financing | 495K | 8.39M | 0 | 58.41M | 28.31M | -1.51M | -101.6K | 3.25M | -6.81M |
| 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% |
| Exchange Rate Effect | 0 | 0 | 0 | 455.22K | 98.38K | -1000K | 17.4K | -1000K | 1000K |
| Cash at Beginning | 1.36M | 851.9K | 7.06M | 36.62M | 89.1M | 78.89M | 69.52M | 70.7M | 98.31M |
| Cash at End | 851.9K | 7.06M | 36.6M | 89.1M | 78.89M | 69.52M | 70.7M | 98.31M | 102.6M |
| Interest Paid | 0 | 0 | 0 | 3.77M | 4.82M | 7.79M | 16.36M | 14.05M | 11.25M |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 65.39K | 452.43K | 4.77M | 25.32M |
| 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% |
| FCF Growth % | - | -626.27% | -203.62% | -25.81% | -188.73% | 110.3% | -460.57% | 245.76% | 428.35% |
SEZL Banking Ratios
Sezzle Inc. (SEZL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | -276.05% | -101.78% | -74.23% | -153.8% | -163.37% | 45.89% | 142.86% | 103.34% |
| Return on Assets (ROA) | -149.95% | -61.15% | -43.06% | -27.15% | -37.82% | -19.24% | 3.69% | 30.73% | 38.11% |
| Net Interest Margin | 0% | -0.77% | -6.16% | -1.9% | -1.71% | -4.98% | -7.51% | -4.61% | 0% |
| Efficiency Ratio | 2752.67% | 291.02% | - | 109.47% | 60.83% | 49.38% | 32.36% | 31.63% | 46.09% |
| Equity / Assets | -190.76% | 42.21% | 42.33% | 34.44% | 16.92% | 5.12% | 10.39% | 29.44% | 42.43% |
| Book Value / Share | -0.26 | 0.56 | 1.55 | 2.03 | 1.19 | 0.27 | 0.65 | 2.45 | 4.75 |
| NII Growth | - | - | -4023.48% | 17.06% | -15.73% | -125.19% | -85.66% | 13.82% | 100% |
SEZL SEC Filings & Documents
Sezzle Inc. (SEZL) SEC filings — annual & quarterly reports (10-K, 10-Q)
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 $133.1M 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 N/A. 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.
Explore More SEZL
Sezzle Inc. (SEZL) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
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Dividend History
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Earnings History
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Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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