Sezzle Inc.
SEZL Nasdaq· Services-Business Services, Nec
Last close · Oct 26, 2026
$127.44
KIRA · Stoqly’s AI analyst, in plain words
- Sezzle Inc. had $450M of revenue in fiscal 2025, up 66.1% on the year before. Over five years, revenue changed +50.3% a year on average.
- Its operating margin was 39.3%, up 8.9 pts: of every 100 in sales, about 39 is left after running the business.
- Sezzle Inc. made $133M of net profit in fiscal 2025.
- Free cash flow was $209M in fiscal 2025, 46.5% of revenue.
- Sezzle Inc. returned $64.7M to shareholders in fiscal 2025, 31% of free cash flow. The diluted share count fell 0.4%.
Market cap
$4.4B
P/E
27.8x
Revenue
$450M
Net income
$133M
Free cash flow
$209M
Operating margin
39.3%
Sezzle Inc. in 30 seconds · fiscal 2025
Are sales growing?
+66.1%
Yes. Sales grew 66.1% last year.
Does it make a profit?
29.6%
Yes. It keeps 29.6% of every sale as profit.
Does profit turn into cash?
46.5%
Yes. 46.5% of sales ends up as free cash.
How healthy are the accounts?
7 / 7
Solid. It passes 7 of 7 health tests.
How is the share priced?
27.8x
One share costs 27.8 times its yearly profit per share.
What Sezzle Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- Sezzle Inc.
- CIK
- 0001662991
Sezzle Inc. · SEZL
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $115M | $126M | $159M | $271M | $450M |
| Revenue growth | 95.3% | 9.4% | 26.9% | 70.1% | 66.1% |
| Operating margin | −59.8% | −22.6% | 13.9% | 30.3% | 39.3% |
| Net income | −$75.2M | −$38.1M | $7.1M | $78.5M | $133M |
| Net margin | −65.5% | −30.3% | 4.5% | 29.0% | 29.6% |
| Diluted EPS | −$0.38 | −$7.00 | $1.25 | $2.19 | $3.72 |
| Cash | |||||
| Cash from operations | −$72.1M | $8.5M | −$25.7M | $131M | $210M |
| Capital expenditure | $0.7M | $0.1M | $0.1M | $0.1M | $0.7M |
| Free cash flow | −$72.8M | $8.5M | −$25.8M | $131M | $209M |
| FCF margin | −63.4% | 6.7% | −16.2% | 48.2% | 46.5% |
| Share buybacks | $2.7M | $0.4M | $1.7M | $23.6M | $64.7M |
| Share count change | 7.2% | −97.3% | 4.3% | 532.0% | −0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $77.0M | $68.3M | $67.6M | $73.2M | $64.1M |
| Shareholders' equity | $37.8M | $8.8M | $22.1M | $87.8M | $170M |
| Current ratio | 2.1x | 1.7x | 1.1x | 2.4x | 3.9x |
| Interest coverage | −13.0x | −3.3x | 1.4x | 6.0x | 12.6x |
| Returns and quality | |||||
| Return on equity | −153.8% | −163.4% | 45.9% | 142.9% | 103.3% |
| Return on tangible equity | −203.8% | −506.5% | 35.1% | 92.0% | 80.0% |
| Piotroski F-score | 2 | 5 | 3 | 6 | 7 |
| Altman Z'' | −0.4 | −1.5 | −0.9 | 4.7 | 8.0 |
Insiders bought, 12 months
$0.1M
3 insiders
Insiders sold, 12 months
$26.8M
7 insiders
Of sales under plans
94%
$25.2M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Sezzle Inc. · SEZL
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $127.44 a share, the company is worth $4.4B: 27.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001662991). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.