Stock AnalizSezzle Inc. SEZL
Finance: Consumer Services · data as of November 13, 2026
Sezzle Inc. (SEZL) is a financial company listed in the US with a market value of about $5.2B. In the twelve months to September 30, 2026 it had revenue of $582M and net income of $183M, a net margin of 31.4%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is future growth (5/5); the weakest is value (1/5).
Key numbers: a P/E of 29.8, a price to free cash flow of 17.6, 5-year revenue growth of 50% a year, a 5-year average ROIC of -50%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 19% below the current price.
Score: 2.8 / 5
Checks passed
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- ROE above 15%
Checks not passed
- P/E below 25
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
Valuation
Growth and quality
Financials, last 6 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue | $582M | $450M | $271M | $159M | $126M | $115M | $59M |
| Net income | $183M | $133M | $79M | $7M | -$38M | -$75M | -$32M |
| Free cash flow | $298M | $209M | $131M | -$26M | $8M | -$73M | -$25M |
| EPS (diluted) | $5.19 | $3.72 | $2.19 | $0.21 | $-1.17 | $-2.41 | $-1.08 |
| Net margin | 31.4% | 29.6% | 29.0% | 4.5% | -30.3% | -65.5% | -55.1% |
| ROIC | — | 46.5% | 73.2% | 17.4% | -244.9% | -141.7% | -35.8% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $192.67, 25% above the current price; targets range from $170.00 to $220.00; the consensus rating is “Buy”; expected EPS is $5.48 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Sezzle’s P/E ratio?
About 29.8, based on the last twelve months of diluted earnings per share (forward P/E about 22.3).
Is Sezzle stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 19% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Sezzle pay a dividend?
Not currently.
Is Sezzle a good stock to buy?
We do not give buy or sell advice. Sezzle scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.