Last 31 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Sezzle Inc.'s quarterly P/E stands at 10.8x, up 23.4% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 30.6% YoY to 8.1x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 26.83 | 10.76 | 13.34 | 26.51 | 58.96 | 8.72 | 15.45 | 16.15 | 4.48 | 16.00 | 10.13 | 14.37 | 17.49 |
| — | +23.4% | -13.7% | +64.1% | +1215.7% | -45.5% | +52.5% | +12.4% | -74.4% | +2.4% | -52.6% | +186.2% | — | |
| P/S Ratio | 7.45 | 4.08 | 4.37 | 6.16 | 16.42 | 3.01 | 3.96 | 3.60 | 2.37 | 2.68 | 0.60 | 0.46 | 0.57 |
| — | +35.6% | +10.3% | +71.0% | +591.9% | +12.2% | +555.3% | +681.2% | +319.5% | +245.1% | +70.8% | -35.2% | +28.1% | |
| P/B Ratio | 21.01 | 11.24 | 13.36 | 18.53 | 49.72 | 10.03 | 17.71 | 16.48 | 10.57 | 17.00 | 5.35 | 4.19 | 4.86 |
| — | +12.0% | -24.6% | +12.4% | +370.6% | -41.0% | +231.1% | +293.4% | +117.5% | +115.7% | -12.7% | -72.2% | -98.6% | |
| P/FCF | 16.11 | 6.24 | 3.68 | 22.25 | — | 5.39 | 414.80 | 46.41 | — | 3.29 | — | — | 3.22 |
| — | +15.7% | -99.1% | -52.1% | — | +63.9% | — | — | — | — | — | — | — | |
| EV / EBITDA | 19.27 | 8.09 | 10.54 | 20.11 | 44.81 | 6.20 | 12.75 | 12.13 | 8.01 | 8.86 | 4.63 | 3.89 | 4.70 |
| — | +30.6% | -17.3% | +65.9% | +459.2% | -30.0% | +175.4% | +211.9% | +70.5% | +85.1% | +82.9% | +24.6% | — | |
| EV / EBIT | 19.42 | 8.09 | 10.61 | 22.84 | 45.10 | 6.23 | 12.73 | 12.21 | 8.23 | 9.98 | 4.56 | 3.97 | 3.66 |
| — | +29.9% | -16.6% | +87.1% | +447.7% | -37.6% | +179.2% | +207.6% | +124.8% | +89.7% | +73.0% | +27.2% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Sezzle Inc.'s operating margin was 50.9% in Q1 2026, up 8.4 pp QoQ and up 3.4 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 40.1% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 21.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 85.4% | 86.3% | 106.0% | 85.1% | 73.7% | 71.1% | 68.8% | 62.6% | 58.1% | 76.5% | 76.1% | 48.5% | 42.9% |
| — | +21.5% | +54.1% | +36.0% | +27.0% | -7.2% | -9.6% | +28.9% | +35.4% | +78.6% | +65.4% | +55.4% | +84.0% | |
| Operating Margin | 39.3% | 50.9% | 42.5% | 30.4% | 36.6% | 47.6% | 31.4% | 29.8% | 29.8% | 29.4% | 15.7% | 13.1% | 10.8% |
| — | +7.1% | +35.4% | +2.2% | +22.5% | +61.5% | +100.4% | +127.4% | +177.0% | +88.4% | +26.6% | -38.7% | +123.2% | |
| Net Margin | 29.6% | 37.9% | 32.9% | 22.8% | 28.0% | 34.5% | 25.8% | 22.1% | 53.1% | 17.0% | 6.0% | 3.2% | 3.3% |
| — | +9.8% | +27.3% | +3.4% | -47.3% | +102.2% | +329.7% | +596.7% | +1526.7% | +242.7% | +262.7% | -77.8% | +106.3% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 103.3% | 28.0% | 26.3% | 18.7% | 21.6% | 33.9% | 34.1% | 27.7% | 74.3% | 31.0% | 14.7% | 7.6% | 7.6% |
| — | -17.3% | -22.9% | -32.6% | -71.0% | +9.3% | +132.1% | +266.8% | +876.5% | +102.1% | +68.5% | -94.9% | +103.2% | |
| ROA | 38.1% | 12.0% | 11.1% | 7.4% | 8.5% | 12.1% | 9.2% | 6.6% | 14.6% | 3.9% | 1.5% | 0.8% | 0.7% |
| — | -1.0% | +20.9% | +11.9% | -41.6% | +209.2% | +514.6% | +760.2% | +1873.1% | +270.7% | +291.3% | -71.6% | +108.3% | |
| ROIC | 52.7% | 15.9% | 14.2% | 10.0% | 11.8% | 19.2% | 13.3% | 11.3% | 11.3% | 9.4% | 5.4% | 4.8% | 3.9% |
| — | -17.4% | +6.9% | -12.0% | +4.8% | +103.8% | +144.9% | +137.5% | +192.5% | +68.9% | +1.1% | -42.6% | +123.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Sezzle Inc.'s Debt/EBITDA ratio is 2.1x, down from 2.5x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 39.5% YoY to 3.65x, strengthening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.83 | 0.74 | 0.83 | 0.76 | 1.01 | 0.56 | 1.19 | 1.55 | 1.39 | 2.45 | 4.33 | 4.25 | 3.54 |
| — | +30.9% | -30.7% | -51.0% | -27.4% | -77.0% | -72.4% | -63.5% | -60.8% | -43.2% | -40.3% | -54.9% | -99.1% | |
| Debt / EBITDA | 0.79 | 2.10 | 2.53 | 3.29 | 3.61 | 1.41 | 3.37 | 4.50 | 4.12 | 5.16 | 12.11 | 13.73 | 14.52 |
| — | +48.8% | -25.0% | -26.9% | -12.4% | -72.7% | -72.2% | -67.2% | -71.6% | -50.8% | -6.7% | +66.3% | — | |
| Current Ratio | 3.92 | 3.65 | 3.92 | 3.52 | 3.51 | 2.62 | 2.44 | 2.40 | 2.07 | 2.06 | 1.12 | 2.11 | 1.94 |
| — | +39.5% | +60.8% | +46.6% | +69.2% | +26.9% | +118.4% | +13.6% | +6.7% | +5.8% | -34.9% | +33.6% | +26.1% | |
| Quick Ratio | 3.92 | 3.65 | 3.92 | 3.52 | 3.51 | 2.62 | 2.44 | 2.40 | 2.07 | 2.06 | 1.12 | 2.11 | 1.94 |
| — | +39.5% | +60.8% | +46.6% | +69.2% | +26.9% | +118.4% | +13.6% | +6.7% | +5.8% | -34.9% | +33.6% | +26.1% | |
| Interest Coverage | 12.61 | 22.90 | 15.00 | 8.06 | 10.33 | 17.13 | 9.06 | 6.29 | 5.66 | 3.06 | 1.78 | 1.32 | 1.29 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 31 years · Updated daily
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Sezzle Inc.'s current P/E is 26.8x. The average P/E over the last 4 quarters is 27.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Sezzle Inc.'s current operating margin is 39.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Sezzle Inc.'s business trajectory between earnings reports.