Last 32 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 28.87 | 36.67 | 10.76 | 13.34 | 26.51 | 58.96 | 8.72 | 15.45 | 16.15 | 4.48 | 16.00 | 10.13 | 14.37 | 17.49 | 15.62 | 21.37 | 5.02 | — | — | — | — |
| — | -37.8% | +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 | 8.28 | 10.21 | 3.99 | 4.50 | 6.37 | 17.03 | 3.09 | 4.10 | 3.78 | 2.50 | 2.93 | 0.67 | 0.51 | 0.64 | 0.86 | 0.39 | 0.77 | 0.47 | 1.87 | 3.41 | 7.97 |
| — | -40.1% | +29.0% | +9.5% | +68.6% | +580.1% | +5.4% | +516.4% | +637.0% | +292.7% | +241.1% | +72.8% | -33.0% | +36.1% | -54.0% | -88.7% | -90.4% | -96.2% | -86.6% | -73.4% | -6.6% | |
| P/B Ratio | 22.61 | 25.66 | 11.24 | 13.36 | 18.53 | 49.72 | 10.03 | 17.71 | 16.48 | 10.57 | 17.00 | 5.35 | 4.19 | 4.86 | 7.88 | 6.13 | 15.09 | 349.79 | 15.28 | 11.35 | 14.54 |
| — | -48.4% | +12.0% | -24.6% | +12.4% | +370.6% | -41.0% | +231.1% | +293.4% | +117.5% | +115.7% | -12.7% | -72.2% | -98.6% | -48.4% | -46.0% | +3.7% | +1112.7% | -43.4% | -32.1% | -16.0% | |
| P/FCF | 17.33 | 28.83 | 6.24 | 3.69 | 22.25 | — | 5.39 | 414.80 | 46.41 | — | 3.29 | — | — | 3.22 | — | 9.67 | 22.53 | — | 6.54 | — | — |
| — | — | +15.7% | -99.1% | -52.1% | — | +63.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 20.83 | 27.11 | 8.04 | 10.54 | 20.11 | 44.81 | 6.20 | 12.75 | 12.13 | 8.01 | 8.86 | 4.63 | 3.89 | 4.70 | 4.79 | 2.53 | 3.12 | — | — | — | — |
| — | -39.5% | +29.8% | -17.3% | +65.9% | +459.2% | -30.0% | +175.4% | +211.9% | +70.5% | +85.1% | +82.9% | +24.6% | — | — | — | — | — | — | — | — | |
| EV / EBIT | 20.86 | 27.36 | 8.10 | 10.62 | 22.84 | 45.10 | 6.23 | 12.73 | 12.21 | 8.23 | 9.98 | 4.56 | 3.97 | 3.66 | 5.26 | 2.64 | 3.12 | — | — | 3.80 | — |
| — | -39.3% | +30.0% | -16.6% | +87.1% | +447.7% | -37.6% | +179.2% | +207.6% | +124.8% | +89.7% | +73.0% | +27.2% | — | — | -30.7% | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 85.4% | 86.1% | 86.3% | 106.0% | 85.1% | 73.7% | 71.1% | 68.8% | 62.6% | 58.1% | 76.5% | 76.1% | 48.5% | 42.9% | 42.9% | 46.0% | 31.2% | 23.3% | -2.0% | 18.1% | 2.9% |
| — | +16.8% | +21.5% | +54.1% | +36.0% | +27.0% | -7.2% | -9.6% | +28.9% | +35.4% | +78.6% | +65.4% | +55.4% | +84.0% | +2293.1% | +153.5% | +981.0% | +119.2% | -110.6% | +42.5% | -73.2% | |
| Operating Margin | 39.3% | 36.7% | 50.9% | 42.5% | 30.4% | 36.6% | 47.6% | 31.4% | 29.8% | 29.8% | 29.4% | 15.7% | 13.1% | 10.8% | 15.6% | 12.4% | 21.4% | -46.3% | -94.5% | -73.9% | -62.1% |
| — | +0.4% | +7.1% | +35.4% | +2.2% | +22.5% | +61.5% | +100.4% | +127.4% | +177.0% | +88.4% | +26.6% | -38.7% | +123.2% | +116.5% | +116.8% | +134.4% | +28.8% | -178.6% | -11.7% | -181.7% | |
| Net Margin | 29.6% | 27.2% | 37.9% | 32.9% | 22.8% | 28.0% | 34.5% | 25.8% | 22.1% | 53.1% | 17.0% | 6.0% | 3.2% | 3.3% | 5.0% | 1.7% | 14.3% | -51.6% | -101.3% | -78.7% | -66.2% |
| — | -2.6% | +9.8% | +27.3% | +3.4% | -47.3% | +102.2% | +329.7% | +596.7% | +1526.7% | +242.7% | +262.7% | -77.8% | +106.3% | +104.9% | +102.1% | +121.6% | +25.9% | -132.2% | -8.4% | -117.5% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 103.3% | 19.0% | 28.0% | 26.3% | 18.7% | 21.6% | 33.9% | 34.1% | 27.7% | 74.3% | 31.0% | 14.7% | 7.6% | 7.6% | 15.3% | 8.7% | 147.9% | -234.3% | -110.8% | -53.1% | -36.0% |
| — | -12.0% | -17.3% | -22.9% | -32.6% | -71.0% | +9.3% | +132.1% | +266.8% | +876.5% | +102.1% | +68.5% | -94.9% | +103.2% | +113.8% | +116.4% | +511.0% | -490.3% | -442.1% | -33.6% | -125.2% | |
| ROA | 38.1% | 9.0% | 12.0% | 11.1% | 7.4% | 8.5% | 12.1% | 9.2% | 6.6% | 14.6% | 3.9% | 1.5% | 0.8% | 0.7% | 1.1% | 0.4% | 2.7% | -8.9% | -13.9% | -13.2% | -11.2% |
| — | +5.2% | -1.0% | +20.9% | +11.9% | -41.6% | +209.2% | +514.6% | +760.2% | +1873.1% | +270.7% | +291.3% | -71.6% | +108.3% | +107.6% | +102.9% | +124.2% | +21.5% | -110.9% | -14.1% | -200.7% | |
| ROIC | 52.7% | 11.8% | 15.9% | 14.2% | 10.0% | 11.8% | 19.2% | 13.3% | 11.3% | 11.3% | 9.4% | 5.4% | 4.8% | 3.9% | 5.6% | 5.4% | 8.3% | -16.6% | -21.6% | -20.3% | -20.6% |
| — | +0.2% | -17.5% | +6.9% | -12.0% | +4.8% | +103.8% | +144.9% | +137.5% | +192.5% | +68.9% | +1.1% | -42.6% | +123.2% | +125.8% | +126.4% | +140.3% | +11.3% | -128.4% | -11.7% | -326.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.83 | 0.52 | 0.74 | 0.83 | 0.76 | 1.01 | 0.56 | 1.19 | 1.55 | 1.39 | 2.45 | 4.33 | 4.25 | 3.54 | 4.32 | 7.25 | 9.43 | 389.14 | 4.11 | 2.07 | 0.07 |
| — | -48.1% | +31.1% | -30.6% | -51.0% | -27.4% | -77.0% | -72.4% | -63.5% | -60.8% | -43.2% | -40.3% | -54.9% | -99.1% | +5.0% | +250.2% | +13740.7% | +87606.0% | +675.7% | +7593.8% | -96.3% | |
| Debt / EBITDA | 0.80 | 2.20 | 2.09 | 2.53 | 3.29 | 3.61 | 1.41 | 3.37 | 4.50 | 4.12 | 5.16 | 12.11 | 13.73 | 14.52 | 10.49 | 12.98 | 8.25 | — | — | — | — |
| — | -39.1% | +48.1% | -24.9% | -26.9% | -12.4% | -72.7% | -72.2% | -67.2% | -71.6% | -50.8% | -6.7% | +66.3% | — | — | — | — | — | — | — | — | |
| Current Ratio | 3.92 | 4.02 | 3.65 | 3.92 | 3.52 | 3.51 | 2.62 | 2.44 | 2.40 | 2.07 | 2.06 | 1.12 | 2.11 | 1.94 | 1.95 | 1.72 | 1.58 | 1.54 | 1.55 | 2.06 | 1.59 |
| — | +14.6% | +39.5% | +60.8% | +46.6% | +69.2% | +26.9% | +118.4% | +13.6% | +6.7% | +5.8% | -34.9% | +33.6% | +26.1% | +25.8% | -16.6% | -0.8% | -5.1% | -21.1% | -18.7% | -32.3% | |
| Quick Ratio | 3.92 | 4.02 | 3.65 | 3.92 | 3.52 | 3.51 | 2.62 | 2.44 | 2.40 | 2.07 | 2.06 | 1.12 | 2.11 | 1.94 | 1.95 | 1.72 | 1.58 | 1.54 | 1.55 | 2.06 | 1.59 |
| — | +14.6% | +39.5% | +60.8% | +46.6% | +69.2% | +26.9% | +118.4% | +13.6% | +6.7% | +5.8% | -34.9% | +33.6% | +26.1% | +25.8% | -16.6% | -0.8% | -5.1% | -21.1% | -18.7% | -32.3% | |
| Interest Coverage | 18.98 | 16.91 | 22.90 | 15.00 | 8.06 | 10.33 | 17.13 | 9.06 | 6.29 | 5.66 | 3.06 | 1.78 | 1.32 | 1.29 | 1.51 | 1.52 | 2.99 | -8.02 | -16.31 | 18.64 | -15.08 |
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Includes 30+ ratios · 32 years · Updated daily
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Quick answers to the most common questions about buying SEZL stock.
Sezzle Inc.'s current P/E is 28.9x. The average P/E over the last 4 quarters is 21.8x. 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.