# Sezzle Inc. (SEZL) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $120.58, market value $4.1 billion.

## Valuation
- **P/E (trailing): 26.4×** (5-yr avg 17.6×, 3-yr avg 17.6×). Sezzle Inc. trades at 26.4× trailing earnings, well above its own five-year average of 17.6×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 18.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.26**. A PEG of 0.26 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 11.3×**. Each dollar of revenue is priced at 11.3×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 17.4×**. The shares trade at 17.4× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 8.1%** (5-yr avg -1.5%). Free cash flow equals 8.1% of the market value, above its five-year average of -1.5%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 3.8%**. The inverse of the P/E: 3.8% of the price is earned each year.

## Profitability
- **Operating margin: 59.9%**. 59.9% of revenue is left after running the business, an exceptional level.
- **Net margin: 56.4%**. 56.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 78.4%**. A 78.4% return on equity is extremely high; check whether buybacks or debt have shrunk the equity base, which flatters the ratio.
- **Return on assets: 40.3%**. Each dollar of assets produces 40.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 69.2%** (3-yr 170.2%/yr, 5-yr 32.0%/yr). Revenue grew 69.2% over the last year, against 32.0% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 69.9%**. Earnings per share rose 69.9%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 191.4%/yr**. Free cash flow has compounded at 191.4% a year over three years.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend: none**. Sezzle Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 42.0%** (YTD 90.0%, 3-mo 3.9%). The shares are up 42.0% over twelve months including dividends.
- **From 52-week high: -38.4%** (143.6% above the low). Trading 38% below its 52-week high, deep in a drawdown.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 42**. An RSI of 42 is neutral.
- **Beta (1 yr): 2.35** (volatility 87%). Beta of 2.35 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SEZL · Page: https://foliofundamentals.com/stocks/sezl

Not investment advice.