Sezzle Inc. (SEZL) Financial Ratios
9 years of historical data (2017–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↑
19.27
↑+51% vs avg
5yr avg: 12.73
30Y Low6.3·High18.8
P/FCF
↑
16.11
↓-15% vs avg
5yr avg: 18.96
30Y Low7.2·High38.8
P/B Ratio
↑
21.01
↑+97% vs avg
5yr avg: 10.66
30Y Low5.3·High17.4
ROE
↑
103.3%
↓+2161% vs avg
5yr avg: -5.0%
30Y Low-276%·High143%
Debt/EBITDA
↓
0.79
↓-62% vs avg
5yr avg: 2.07
30Y Low0.8·High4.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SEZL Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Sezzle Inc. trades at 26.8x earnings, 52% above its 5-year average of 17.6x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 104%. On a free-cash-flow basis, the stock trades at 16.1x P/FCF, 15% below the 5-year average of 19.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.4B | $2.3B | $1.5B | $117M | $54M | $421M | $953M | — | — | — |
| Enterprise Value | $3.4B | $2.3B | $1.6B | $145M | $50M | $422M | $870M | — | — | — |
| P/E Ratio → | 26.83 | 17.06 | 19.47 | 16.29 | — | — | — | — | — | — |
| P/S Ratio | 7.45 | 5.04 | 5.64 | 0.73 | 0.43 | 3.66 | 16.21 | — | — | — |
| P/B Ratio | 21.01 | 13.36 | 17.42 | 5.27 | 6.09 | 11.13 | 15.89 | — | — | — |
| P/FCF | 16.11 | 10.89 | 38.80 | — | 7.18 | — | — | — | — | — |
| P/OCF | 15.99 | 10.81 | 37.41 | — | 6.33 | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
SEZL EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Sezzle Inc.'s enterprise value stands at 19.3x EBITDA, 51% above its 5-year average of 12.7x. The Financial Services sector median is 11.5x, placing the stock at a 68% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 5.21 | 5.76 | 0.91 | 0.40 | 3.68 | 14.80 | — | — | — |
| EV / EBITDA | 19.27 | 13.17 | 18.77 | 6.27 | — | — | — | — | — | — |
| EV / EBIT | 19.42 | 13.27 | 19.26 | 6.11 | — | — | — | — | — | — |
| EV / FCF | — | 11.26 | 39.60 | — | 6.63 | — | — | — | — | — |
SEZL Profitability
Margins and return-on-capital ratios measuring operating efficiency
Sezzle Inc. earns an operating margin of 39.3%, significantly above the Financial Services sector average of 21.6%. Operating margins have expanded from 13.9% to 39.3% over the past 3 years, signaling improving operational efficiency. Return on equity of 103.3% is exceptionally high, though this is partly amplified by negative book value driven by aggressive share buybacks — well above the sector median of 9.4%. ROIC of 52.7% represents excellent returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 85.4% | 85.4% | 62.0% | 46.3% | 26.7% | 61.5% | 61.7% | — | 43.9% | -20.4% |
| Operating Margin | 39.3% | 39.3% | 30.3% | 13.9% | -22.6% | -59.8% | -47.7% | — | -247.1% | -2773.0% |
| Net Profit Margin | 29.6% | 29.6% | 29.0% | 4.5% | -30.3% | -65.5% | -55.1% | — | -256.9% | -6029.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 103.3% | 103.3% | 142.9% | 45.9% | -163.4% | -153.8% | -74.2% | -101.8% | -276.1% | — |
| ROA | 38.1% | 38.1% | 30.7% | 3.7% | -19.2% | -37.8% | -27.1% | -43.1% | -61.1% | -150.0% |
| ROIC | 52.7% | 52.7% | 39.7% | 17.5% | -22.6% | -58.0% | -46.7% | -65.2% | -81.5% | — |
| ROCE | 70.3% | 70.3% | 75.4% | 45.0% | -30.1% | -62.0% | -36.3% | -56.6% | -75.4% | -79.8% |
SEZL Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Sezzle Inc. carries a Debt/EBITDA ratio of 0.8x, which is very conservative (81% below the sector average of 4.1x). Net debt stands at $77M ($141M total debt minus $64M cash). Interest coverage of 12.6x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.83 | 0.83 | 1.19 | 4.33 | 7.25 | 2.07 | 0.03 | 0.04 | 0.83 | — |
| Debt / EBITDA | 0.79 | 0.79 | 1.26 | 4.15 | — | — | — | — | — | — |
| Net Debt / Equity | — | 0.45 | 0.36 | 1.27 | -0.47 | 0.03 | -1.38 | -1.24 | -0.40 | — |
| Net Debt / EBITDA | 0.43 | 0.43 | 0.38 | 1.22 | — | — | — | — | — | — |
| Debt / FCF | — | 0.37 | 0.80 | — | -0.56 | — | — | — | — | — |
| Interest Coverage | 12.61 | 12.61 | 5.89 | 1.48 | -3.42 | -17.98 | -8.50 | -2.75 | — | — |
SEZL Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Sezzle Inc.'s current ratio of 3.92x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 1.12x to 3.92x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 3.92 | 3.92 | 2.44 | 1.12 | 1.72 | 2.06 | 2.53 | 4.03 | 4.25 | 6.70 |
| Quick Ratio | 3.92 | 3.92 | 2.44 | 1.12 | 1.72 | 2.06 | 2.53 | 4.03 | 4.25 | 6.70 |
| Cash Ratio | 0.71 | 0.71 | 0.69 | 0.36 | 0.69 | 0.72 | 1.23 | 2.24 | 2.28 | 5.18 |
| Asset Turnover | — | 1.13 | 0.91 | 0.75 | 0.73 | 0.51 | 0.34 | — | 0.13 | 0.02 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — |
SEZL Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Sezzle Inc. returns 1.9% to shareholders annually primarily through share buybacks. The earnings yield of 3.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 3.7% | 5.9% | 5.1% | 6.1% | — | — | — | — | — | — |
| FCF Yield | 6.2% | 9.2% | 2.6% | — | 13.9% | — | — | — | — | — |
| Buyback Yield | 1.9% | 2.8% | 1.5% | 1.4% | 0.7% | 0.6% | 0.1% | — | — | — |
| Total Shareholder Yield | 1.9% | 2.8% | 1.5% | 1.4% | 0.7% | 0.6% | 0.1% | — | — | — |
| Shares Outstanding | — | $36M | $36M | $34M | $33M | $32M | $30M | $18M | $9M | $9M |
Peer Comparison
Compare SEZL with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SEZLYou | $3B | 26.8 | 19.3 | 16.1 | 85.4% | 39.3% | 103.3% | 52.7% | 0.8 |
 AFRM | $22B | 449.1 | 210.0 | 37.3 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
 LPRO | $192M | -45.4 | 12.2 | — | 75.5% | 6.4% | -5.5% | 2.3% | 10.5 |
 OPFI | $852M | 10.0 | 5.7 | 2.2 | 95.1% | 32.4% | 9.7% | 26.4% | 1.7 |
 ATLC | $1B | 13.1 | 41.8 | 1.8 | 56.3% | 22.7% | 22.4% | 2.4% | 38.6 |
 SYF | $26B | 8.0 | 5.0 | 2.6 | 51.0% | 24.2% | 21.3% | 10.8% | 3.0 |
 COF | $119B | 47.8 | 15.0 | 4.6 | 47.3% | 3.3% | 2.8% | 1.3% | 6.8 |
 ALLY | $14B | 18.5 | 12.8 | — | 52.0% | 8.6% | 5.8% | 2.2% | 11.1 |
 CACC | $5B | 13.9 | 10.0 | 5.2 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 OMF | $7B | 8.5 | 22.0 | 2.1 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 SHOP | $145B | 118.9 | 95.8 | 72.2 | 48.1% | 12.7% | 9.8% | 9.4% | 0.1 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
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Download Financial Ratios Data
Includes 30+ ratios · 9 years · Updated daily
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Start ComparisonSEZL — Frequently Asked Questions
Quick answers to the most common questions about buying SEZL stock.
What is Sezzle Inc.'s P/E ratio?
Sezzle Inc.'s current P/E ratio is 26.8x. The historical average is 17.6x. This places it at the 100th percentile of its historical range.
What is Sezzle Inc.'s EV/EBITDA?
Sezzle Inc.'s current EV/EBITDA is 19.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.7x.
What is Sezzle Inc.'s ROE?
Sezzle Inc.'s return on equity (ROE) is 103.3%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is -59.6%.
Is SEZL stock overvalued?
Based on historical data, Sezzle Inc. is trading at a P/E of 26.8x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Sezzle Inc.'s profit margins?
Sezzle Inc. has 85.4% gross margin and 39.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Sezzle Inc. have?
Sezzle Inc.'s Debt/EBITDA ratio is 0.8x, indicating low leverage. A ratio below 2x is generally considered financially healthy.