SEZL trades 56.4% below Wall Street's consensus target of $168.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes SEZL achieves its forward estimates and maintains a stable P/E multiple of 20.5x. This scenario reflects the blended consensus of 6 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of October 3, 2026, Sezzle Inc. (SEZL) has a Wall Street consensus price target of $168.00, based on estimates from 6 covering analysts. With the stock currently trading at $107.41, this represents a potential upside of +56.4%. The company has a market capitalization of $3.61B.
Analyst price targets range from a low of $166.00 to a high of $170.00, representing a 2% spread in expectations. The median target of $168.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 4 analysts rating the stock as a Buy or Strong Buy,2 rating it Hold, and 0 rating it Sell or Strong Sell. The positive sentiment balance indicates moderate optimism about the stock prospects.
From a valuation perspective, SEZL trades at a trailing P/E of 28.9x and forward P/E of 20.5x. Analysts expect EPS to grow +13.2% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $190.68, with bear and bull scenarios of $120.13 and $251.23 respectively. Model confidence stands at 59/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 AFRMAffirm Holdings, Inc. | $23.6B | $70.77 | $96.42 | +36.2% | Buy | 57.0x | 38 |
 LPROOpen Lending Corporation | $372M | $3.14 | $3.15 | +0.3% | Hold | 33.9x | 12 |
 OPFIOppFi Inc. | $514M | $5.97 | $10.25 | +71.7% | Buy | 4.2x | 6 |
 ATLCAtlanticus Holdings Corporation | $1.4B | $91.89 | $136.40 | +48.4% | Buy | 9.5x | 7 |
 SYFSynchrony Financial | $23.4B | $71.77 | $88.30 | +23.0% | Buy | 7.7x | 41 |
 COFCapital One Financial Corporation | $119.5B | $194.72 | $250.92 | +28.9% | Buy | 9.5x | 57 |
 ALLYAlly Financial Inc. | $11.5B | $37.91 | $52.88 | +39.5% | Buy | 7.3x | 38 |
 CACCCredit Acceptance Corporation | $5.5B | $527.50 | $540.00 | +2.4% | Hold | 10.9x | 18 |
 OMFOneMain Holdings, Inc. | $6.5B | $56.02 | $63.33 | +13.0% | Buy | 8.2x | 31 |
 SHOPShopify Inc. | $196.5B | $151.39 | $168.37 | +11.2% | Buy | 80.6x | 64 |
Quick answers to the most common questions about buying SEZL stock.
The consensus Wall Street price target for SEZL is $168, representing 56.4% upside from the current price of $107.41. With 6 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
SEZL has a consensus rating of "Buy" based on 6 Wall Street analysts. The rating breakdown is predominantly bullish, with 4 Buy/Strong Buy ratings. The consensus 12-month price target of $168 implies 56.4% upside from current levels.
SEZL trades at a forward P/E of 20.4778x, representing a moderate valuation. With analysts targeting $168 (56.4% implied move), the stock appears reasonably valued with upside.
The most bullish Wall Street analyst has a price target of $170 for SEZL, while the most conservative target is $166. The consensus of $168 represents the median expectation. Our quantitative valuation model projects a bull case target of $251 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
SEZL is moderately covered, with 6 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 4 have Buy ratings, 2 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month SEZL stock forecast based on 6 Wall Street analysts shows a consensus price target of $168, with estimates ranging from $166 (bear case) to $170 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $191, with bear/bull scenarios of $120/$251.
Our quantitative valuation model calculates SEZL's fair value at $191 (base case), with a bear case of $120 and bull case of $251. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 59/100.
SEZL trades at a forward P/E ratio of 20.5x based on next-twelve-months earnings estimates compared to a trailing P/E of 28.9x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are very optimistic on SEZL, with a "Buy" consensus rating and $168 price target (56.4% upside). 4 of 6 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
SEZL analyst price targets range from $166 to $170, a 2% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $168 consensus represents the middle ground. Our model's $120-$251 range provides an independent fundamental perspective.
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