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Company Analysis

Sezzle Inc. SEZL

A comprehensive view of key metrics, scores, and financial health for Sezzle Inc.

Overview of Sezzle Inc.

SEZL NCM
Financial Services Credit Services Framework: Banks & Lenders Mid Cap
Sezzle Inc. (SEZL), is a Mid Cap company, in the Credit Services industry, last closed at $132.70, about 96.6% overvalued vs fair value, -0.6% 1Y return, placing in the top 10% of its sector.
Metrics Rev Growth 66.1% ROE 103.3% Gross Margin 85.4%
USD 132.70
3.00%
(Delayed)
• Vol 90d: 95.9%
52-Week Range
Market Cap
$4.33B
Enterprise Value
$4.41B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Fair
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 88%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.sezzle.com
HQ Minneapolis, MN
Employees 402
Fiscal year Dec 31

Next Events

Earnings Aug 6 Estimated

Fair Value Snapshot

Bear Base Bull
$3
$5
$8
Current: $132.70 -97% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$14.0M
Net Interest Income
$-13.8M
13.8%%
Total Revenue
$450.3M
66.1%%
Fee/Non-Interest Income
$464.0M
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
89.4%
Excellent

Net Income / Equity - key bank profitability metric

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Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Sezzle Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
63
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
57
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing SEZL's balance between Growth (41.3%), Profitability (29.3%), and Safety (29.4%). Growth 41% Safety 29% Profitability 29%

Click axes to expand details. Marker shows current allocation.

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Growth

93th percentile vs peers
93
Key Signals
Asset Growth YoY 34.1% 94p NII Growth YoY 13.8% 84p Equity Growth YoY 2.98 99p EPS Growth YoY 9.50 99p
Strengths
  • Growth performance in top 20% of peers (percentile: 93)
  • Asset Growth YoY in top 20% of peers (34.1%, 94th percentile)
  • NII Growth YoY in top 20% of peers (13.8%, 84th percentile)
  • Equity Growth YoY in top 20% of peers (2.98, 99th percentile)
  • EPS Growth YoY in top 20% of peers (9.50, 99th percentile)
Risks

No significant risks identified for this axis.

Profitability

66th percentile vs peers
66
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
66
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Sezzle Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$4.51
- - -
-96.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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