Is Sezzle (SEZL) overvalued or fairly valued?

MarketChacha shows Sezzle's valuation in context — a trailing P/E of about 43.4, a forward P/E of about 26.5, a price-to-book of about 29.6 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Sezzle's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.44×) from reported figures — education, not a rating.

What is Sezzle's revenue?

Sezzle reported revenue of $235.9M for FY2025, with net profit of $133.1M, per official filings.

What is the share price of Sezzle (SEZL)?

Sezzle last traded at $173.46 (-3.3% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Sezzle

SEZL · NYSE · Financials · United States

$173.46-3.3%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:33 PM

Snapshot

TickerSEZL

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees201

HeadquartersMinneapolis, United States

Market cap$5.8B

P/E (TTM)43.4

P/B29.6

Volume270.85K

Websitewww.sezzle.com

Filings tracked8

About Sezzle

Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada. The company offers Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; Pay-in-five which allows eligible consumers to pay a fifth of the purchase price up front, and then another four installments every two weeks; Pay-in-Two, which allow consumer to pay half of the value of their order up-front and the second half in two weeks; and other alternative installment options. It also provides Sezzle Virtual Card that allows consumers to access the Sezzle Platform in the form of merchants in-store and online with merchants that are not directly integrated with Sezzle; Sezzle Anywhere, a paid subscription service that allows consumers to use their Sezzle Virtual Card at any merchant online or in-store; Sezzle On-Demand, a service that allows consumers who are not subscribed to Sezzle Anywhere to use the Sezzle Platform at any merchant online or in-store; Sezzle Premium, a paid subscription service that allows its consumers to access large, non-integrated premium merchants; Sezzle Balance, a stored-value product that allows consumers to maintain funds in Sezzle account for use toward eligible purchases or make payments on the Sezzle Platform; and Sezzle Up, an opt-in feature of the Sezzle Platform. In addition, the company offers Long-Term Lending through collaboration with third-party lenders. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.

Profile as reported by Yahoo Finance.

Who owns it

Insiders52.8%
Institutions40.4%
Public & other6.8%

334 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.7.55%
Divisadero Street Capital Management, LP3.90%
Accredited Investors Inc.2.40%
Vanguard Capital Management LLC2.27%
State Street Corporation1.85%
Geode Capital Management, LLC1.55%
Morgan Stanley1.39%
Dimensional Fund Advisors LP1.36%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.44×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend11.7% → 56.4%

Margin has expanded by about 44.7 points — the business is getting more profitable.

Return on equity78.4%

Latest ROE of 78.4% — capital is generating a healthy return.

Growth qualityrev 97% · PAT 333%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $154.7M · EPS 1.24

Est. earnings growth +74.4%

Next fiscal year

Rev $748.0M · EPS 6.54

Est. earnings growth +27.7%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$49.5052-wk range$195.71

Delayed · as reported by Yahoo Finance

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$5.8B

Day change

-3.3%

P/E (TTM)

43.4

Fwd P/E

26.5

P/B

29.6

Beta

6.72

Revenue (FY2025)

$235.9M

Net margin

56.4%

ROE

78.4%

Revenue CAGR (2y)

+97.2%

Profit CAGR (2y)

+333.1%

EPS (FY2025)

3.72

Net profit (FY2025)

$133.1M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about SEZL

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$235.9M	$133.1M	3.72	56.4%	78.4%
FY2024	$139.4M	$78.5M	2.19	56.3%	89.4%
FY2023	$60.6M	$7.1M	1.25	11.7%	32.1%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q1	$73.3M	$51.3M	1.47	70.0%
2025Q3	$57.5M	$26.7M	0.75	46.4%
2025Q2	$52.0M	$27.6M	0.78	53.1%
2025Q1	$48.2M	$36.2M	1.00	75.1%
2024Q3	$35.6M	$15.4M	0.44	43.4%
2024Q2	$30.2M	$29.7M	0.82	98.4%
2024Q1	$25.2M	$8.0M	0.22	31.7%
2023Q3	$16.2M	$1.3M	0.23	8.0%
2023Q2	$11.5M	$1.1M	0.20	9.9%
2023Q1	$10.4M	$1.7M	0.31	16.5%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/14/2026material
8-K — Reg FD disclosure, Exhibits
SEC5/13/2026material
8-K — Material agreement, Material financial obligation, Reg FD disclosure, Exhibits
SEC5/12/2026material
10-Q filing
SEC5/7/2026
8-K — Results of operations, Exhibits
SEC5/6/2026material
10-K/A filing
SEC4/30/2026
8-K — Results of operations, Exhibits
SEC4/15/2026material
8-K — Executive/director change, Exhibits
SEC4/9/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.