Sezzle
SEZL
113.85
+1.01
+0.90%
Sezzle
US · SEZL
#2337 by market cap
Listed 2023
113.85
+1.01
+0.90%
Live - 5344 symbols - heartbeat 251s ago
· 2026-10-08 08:38
Pre-market
112.72
-0.99%
After-hours
113.85
0.00%
Overnight
113.00
-0.75%
- Market cap
- 3.83B
- P/E (TTM)i
- 24.97
- P/Bi
- 16.46
- EPSi
- 3.72
- Div yieldi
- 0.00%
- 52W posi
- 44%
Reader sentiment
Are you bullish or bearish on SEZL?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 13.24, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +66.08% YoY
Margins
- Gross margin
- 70.06%
- Operating margin
- 36.15%
- Net margin
- 29.57%
Key ratios & quality
- Enterprise valuei
- 3.91B
- Altman Z-Scorei
- 13.24
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | -- | -- | -- | -- | 125.57M | 159.36M | 271.13M | 450.28M |
| Gross profit | -- | 16.06M | 36.30M | 114.82M | 24.98M | 57.81M | 154.24M | 315.47M |
| Selling & admin expenses | -- | 13.22M | 44.64M | 25.02M | 35.38M | 20.57M | 21.14M | 48.97M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | -- | -11.06M | -28.06M | -68.75M | -48.04M | 6.23M | 68.48M | 162.77M |
| Pretax profit | -- | -16.58M | -32.36M | -75.11M | -38.02M | 7.71M | 67.32M | 162.89M |
| Tax | -- | 11.98K | 30.96K | 58.42K | 69.45K | 611.49K | -11.21M | 29.76M |
| Net profit | -- | -16.60M | -32.39M | -75.17M | -38.09M | 7.10M | 78.52M | 133.13M |
| Basic EPS | -- | -1 | -1 | -2 | -1 | 0 | 2 | 4 |
| Diluted EPS | -- | -0.95 | -1.08 | -2.41 | -1.17 | 0.21 | 2.19 | 3.72 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 104.91M | 98.70M | 116.80M | 129.87M | 135.54M | 149.68M |
| Gross profit | 71.63M | 69.28M | 81.12M | 93.44M | 99.34M | 110.97M |
| Selling & admin expenses | 8.48M | 12.62M | 13.60M | 14.27M | 15.23M | 23.74M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 46.98M | 32.59M | 31.64M | 51.56M | 66.02M | 51.71M |
| Pretax profit | 47.01M | 32.67M | 31.63M | 51.58M | 65.99M | 51.71M |
| Tax | 10.84M | 5.07M | 4.96M | 8.89M | 14.69M | 10.95M |
| Net profit | 36.16M | 27.60M | 26.67M | 42.69M | 51.30M | 40.77M |
| Basic EPS | 1 | 1 | 1 | 1 | 2 | 1 |
| Diluted EPS | 1.00 | 0.78 | 0.75 | 1.17 | 1.47 | 1.17 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 45.37M | 62.99M | 173.00M | 221.29M | 170.13M | 209.04M | 257.62M | 351.86M |
| Cash & ST investments | 40.27M | 34.97M | 84.29M | 76.98M | 68.28M | 67.62M | 73.19M | 64.05M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 45.75M | 64.54M | 174.11M | 223.40M | 172.58M | 212.65M | 298.37M | 400.23M |
| Total current liabilities | 2.91M | 15.61M | 68.37M | 107.56M | 99.19M | 187.27M | 105.68M | 89.77M |
| Short-term debt | 76.00K | 389.26K | 142.74K | 171.96K | 79.31K | 94.44M | 96.00K | 163.00K |
| Long-term debt | 4.38M | 750.13K | 1.47M | 77.96M | 64.03M | 250.00K | 103.99M | 139.99M |
| Total liabilities | 7,291,000.00 | 37,221,300.00 | 114,152,356.00 | 185,611,538.00 | 163,733,292.00 | 190,550,959.00 | 210,537,000.00 | 230,418,000.00 |
| Total equity | 38.46M | 27.32M | 59.96M | 37.79M | 8.84M | 22.09M | 87.84M | 169.81M |
| Retained earnings | -11.45M | -23.82M | -51.74M | -126.84M | -165.50M | -157.52M | -89.78M | -324.00K |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 265.95M | 311.53M | 329.45M | 351.86M | 411.19M | 408.36M |
| Cash & ST investments | 88.89M | 88.94M | 104.15M | 64.05M | 120.45M | 79.76M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 298.07M | 350.55M | 366.96M | 400.23M | 454.31M | 456.47M |
| Total current liabilities | 101.60M | 88.87M | 93.66M | 89.77M | 112.60M | 101.66M |
| Short-term debt | 111.00K | 125.00K | 143.00K | 163.00K | 183.00K | 281.00K |
| Long-term debt | 69.89M | 130.50M | 117.31M | 139.99M | 144.37M | 121.52M |
| Total liabilities | 172,312,000.00 | 220,154,000.00 | 211,694,000.00 | 230,418,000.00 | 257,583,000.00 | 223,498,000.00 |
| Total equity | 125.76M | 130.40M | 155.27M | 169.81M | 196.72M | 232.97M |
| Retained earnings | -53.61M | -45.83M | -19.16M | -324.00K | 28.27M | 66.20M |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -- | -- | -- | -- | 8.51M | -25.69M | 130.65M | 209.91M |
| Depreciation & amortization | -- | -- | -- | -- | 847.13K | 855.80K | 965.00K | 1.36M |
| Free cash flow | -- | -20.45M | -25.54M | -73.55M | 7.50M | -27.06M | 129.18M | 207.21M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -- | -- | 60.89M | 27.35M | -381.43K | -1.68M | -23.62M | -64.66M |
| Ending cash balance | -- | 36.62M | 89.10M | 78.89M | 69.52M | 70.70M | 98.31M | 102.60M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 52.48M | 23.06M | -19.92M | 154.29M | 88.98M | 52.25M |
| Depreciation & amortization | 274.00K | 324.00K | 369.00K | 389.00K | 436.00K | 502.00K |
| Free cash flow | 52.17M | 22.04M | -20.69M | 153.70M | 87.89M | 51.01M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -2.44M | -28.22M | -3.97M | -30.03M | -25.75M | -7.06M |
| Ending cash balance | 120.87M | 119.97M | 134.66M | 102.60M | 147.39M | 112.05M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | -- | -50.46 | -74.23 | -153.80 | -163.37 | 45.89 | 142.86 | 103.34 |
| ROA %i | -- | -30.10 | -27.15 | -37.82 | -19.24 | 3.69 | 30.73 | 38.11 |
| ROIC %i | -- | -34.93 | -64.98 | -80.32 | -31.23 | 7.44 | 50.58 | 52.90 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -79.19 | -40.53 | -5.02 |
| EBIT margin %i | -- | -68.04 | -47.73 | -60.83 | -23.43 | 3.91 | 25.26 | 36.15 |
| FCF / sales %i | -- | -- | -- | -- | 5.98 | -- | 14.55 | 46.02 |
| Current ratioi | 15.61 | 4.03 | 2.53 | 2.06 | 1.72 | 1.12 | 2.44 | 3.92 |
| Quick ratioi | 15.56 | 3.87 | 2.44 | 2.01 | 1.66 | 1.07 | 2.28 | 3.62 |
| Debt / assetsi | 9.75 | 1.77 | 0.93 | 35.01 | 37.15 | 44.99 | 35.16 | 35.18 |
| LT debt / equityi | 11.40 | 2.75 | 2.45 | 206.53 | 724.03 | 5.57 | 119.33 | 82.83 |
| Interest coveragei | -- | -1.93 | -6.52 | -13.25 | -3.42 | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | 98.48 | 39.43 | 33.16 | 53.06 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- | 202.26 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 137.32 | 115.76 | 107.03 | 103.34 | 91.95 | 88.85 |
| ROA %i | 43.21 | 37.18 | 37.37 | 38.11 | 39.41 | 40.01 |
| ROIC %i | 71.41 | 54.77 | 53.93 | 52.90 | 55.07 | 52.34 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 32.13 | 33.49 | 33.12 | 36.15 | 37.81 | 37.78 |
| FCF / sales %i | 18.14 | 7.31 | 12.92 | 46.02 | 50.52 | 51.12 |
| Current ratioi | 2.62 | 3.51 | 3.52 | 3.92 | 3.65 | 4.02 |
| Quick ratioi | 2.35 | 3.13 | 3.16 | 3.62 | 3.57 | 3.84 |
| Debt / assetsi | 23.75 | 37.48 | 32.20 | 35.18 | 31.95 | 26.75 |
| LT debt / equityi | 56.20 | 100.66 | 76.01 | 82.83 | 73.70 | 52.30 |
| Interest coveragei | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Single segment100.00%
Quote time 2026-10-08 08:38:24 · For reference only, not investment advice and not tailored to your situation.