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Sezzle share price today

Sezzle Inc. · SEZL · Financials · Credit Services · price as of the 4 November 2026 close, updated every trading day · results updated weekly · All US stock lists

Sezzle share price: $136.69 at the close on 4 November 2026, +130.7% in a year.

MixedBusiness trend from the last 12 quarters
$136.69Price +130.7% in a year
17.7×P/BV higher than 65% of the last 3.1 years
$150 MRevenue (Jun 2026) +51.7% on a year ago
$40.8 MProfit (Jun 2026) +47.7% on a year ago
27.2%Net margin −0.8 points on a year ago
89%ROE FY25
48.79%ROA latest

Sezzle Inc.'s share price has risen faster than its earnings: +130.7% in a year, against +69.9% for earnings per share.

The main question: the share price moved +130.7% in a year while yearly earnings per share moved +69.9%. The difference came from the market paying a higher multiple.

The price has been rising for 16 weeks, and the P/BV is higher than 65% of its own last 3.1 years. Over the last four quarters, results have been improving, with profit +47.7% on a year earlier, with the net margin at 27.2%. What will decide it: whether earnings grow into a price that has already moved.

What is the Sezzle share price today?

Sezzle Inc.'s share price was $136.69 at the close on 4 November 2026. It has been rising for 16 weeks. That is 24.8% above its average price over the last 200 trading days. In the last 52 weeks it traded between $52 and $183, and at that close it sat 64% of the way up from that low.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today Sezzle Inc. is in stage 2. The phase helps read everything below.

Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 1 week in a row.

1Y

Nov 2026: $136.69, 24.8% above its 200-day average. The price has been rising for 16 weeks.

  • Price $136.69
  • 50-day avg $121.28
  • 200-day avg $109.54
Nov 2026: $136.69, 24.8% above its 200-day average. The price has been rising for 16 weeks.
WeekPrice50-day avg200-day avg
31 Oct 2025$65.55$83.41$83.82
7 Nov 2025$59.24$80.20$84.38
14 Nov 2025$52.14$76.86$84.79
21 Nov 2025$54.44$73.16$85.10
28 Nov 2025$61.75$70.62$85.33
5 Dec 2025$68.39$68.23$85.55
12 Dec 2025$70.35$67.14$86.10
19 Dec 2025$73.50$65.88$86.78
26 Dec 2025$70.50$65.47$87.49
2 Jan 2026$65.15$64.71$88.04
9 Jan 2026$77.17$64.60$88.89
16 Jan 2026$68.50$65.36$89.80
23 Jan 2026$67.60$65.90$90.50
30 Jan 2026$63.24$67.27$91.27
6 Feb 2026$67.71$68.29$91.80
13 Feb 2026$64.06$68.84$92.23
20 Feb 2026$62.75$68.61$92.43
27 Feb 2026$72.95$68.33$92.33
6 Mar 2026$73.47$68.52$91.88
13 Mar 2026$66.31$68.38$91.01
20 Mar 2026$66.15$68.13$89.91
27 Mar 2026$61.58$67.41$88.48
2 Apr 2026$63.76$67.03$86.98
10 Apr 2026$59.70$66.89$84.95
17 Apr 2026$80.71$67.56$82.57
24 Apr 2026$78.70$69.26$80.29
1 May 2026$85.46$70.94$78.82
8 May 2026$96.34$73.46$77.63
15 May 2026$98.62$76.11$76.51
22 May 2026$102.80$79.56$75.37
29 May 2026$118.15$83.49$75.65
5 Jun 2026$116.01$88.35$76.32
12 Jun 2026$132.70$94.53$77.15
18 Jun 2026$163.28$101.17$78.28
26 Jun 2026$170.56$110.63$80.10
2 Jul 2026$183.24$118.19$81.82
10 Jul 2026$179.38$127.70$83.97
17 Jul 2026$174.67$137.17$86.29
24 Jul 2026$153.89$144.28$88.41
31 Jul 2026$154.75$149.53$90.29
7 Aug 2026$118.02$154.98$92.44
14 Aug 2026$128.96$155.76$93.70
21 Aug 2026$119.11$155.65$94.99
28 Aug 2026$124.12$153.98$96.55
4 Sep 2026$120.58$150.10$98.20
11 Sep 2026$118.87$145.79$99.51
18 Sep 2026$116.55$139.86$100.99
25 Sep 2026$111.38$133.13$102.13
2 Oct 2026$107.41$126.78$103.08
9 Oct 2026$128.64$122.94$104.18
16 Oct 2026$127.65$118.85$105.65
23 Oct 2026$132.12$119.77$107.25
30 Oct 2026$134.85$120.75$108.62
4 Nov 2026$136.69$121.28$109.54
Weekly closing price ($) with its 50-day and 200-day averages. The strip under the chart shows the phase: tan sideways, green rising, yellow stalling near a high, orange falling. 1-year window.

3Y

Nov 2026: $136.69, 24.8% above its 200-day average. The price has been rising for 16 weeks.

  • Price $136.69
  • 50-day avg $121.28
  • 200-day avg $109.54
Nov 2026: $136.69, 24.8% above its 200-day average. The price has been rising for 16 weeks.
WeekPrice50-day avg200-day avg
3 Nov 2023$1.58––
10 Nov 2023$1.79––
17 Nov 2023$1.87––
24 Nov 2023$1.70$1.87–
1 Dec 2023$1.67$1.80–
8 Dec 2023$2.08$1.76–
15 Dec 2023$2.41$1.77–
22 Dec 2023$4.07$1.90–
29 Dec 2023$3.42$2.02–
5 Jan 2024$3.27$2.15–
12 Jan 2024$3.04$2.29–
19 Jan 2024$6.14$2.55–
26 Jan 2024$5.79$2.94–
2 Feb 2024$7.07$3.43–
9 Feb 2024$7.25$3.94–
16 Feb 2024$8.30$4.57–
23 Feb 2024$7.11$5.01–
1 Mar 2024$7.52$5.62–
8 Mar 2024$10.12$6.25–
15 Mar 2024$9.69$6.87–
22 Mar 2024$12.50$7.66–
28 Mar 2024$14.08$8.54–
5 Apr 2024$11.33$9.11–
12 Apr 2024$10.86$9.65–
19 Apr 2024$9.31$9.98–
26 Apr 2024$9.83$10.12–
3 May 2024$8.41$10.20–
10 May 2024$13.96$10.38–
17 May 2024$11.15$10.67–
24 May 2024$11.54$10.88–
31 May 2024$13.36$11.09–
7 Jun 2024$14.28$11.18–
14 Jun 2024$13.54$11.25–
21 Jun 2024$13.51$11.42–
28 Jun 2024$14.70$11.74–
5 Jul 2024$14.99$12.20$7.01
12 Jul 2024$14.60$12.75$7.31
19 Jul 2024$13.91$13.38$7.62
26 Jul 2024$14.21$13.61$7.92
2 Aug 2024$12.85$13.76$8.22
9 Aug 2024$19.40$14.09$8.55
16 Aug 2024$20.64$14.77$9.02
23 Aug 2024$21.32$15.58$9.52
30 Aug 2024$22.70$16.40$10.02
6 Sep 2024$21.11$17.09$10.42
13 Sep 2024$25.05$17.96$10.97
20 Sep 2024$27.23$19.07$11.57
27 Sep 2024$28.82$20.49$12.24
4 Oct 2024$25.89$21.75$12.85
11 Oct 2024$29.96$23.12$13.46
18 Oct 2024$37.57$25.19$14.24
25 Oct 2024$35.49$26.49$14.99
1 Nov 2024$35.50$28.01$15.81
8 Nov 2024$71.91$30.29$16.77
15 Nov 2024$64.17$34.52$18.22
22 Nov 2024$77.33$39.25$19.83
29 Nov 2024$70.67$43.00$21.11
6 Dec 2024$60.37$46.38$22.48
13 Dec 2024$51.50$48.99$23.61
20 Dec 2024$45.19$51.00$24.55
27 Dec 2024$44.18$51.96$25.24
3 Jan 2025$46.45$52.73$25.92
10 Jan 2025$38.10$53.31$26.52
17 Jan 2025$37.50$53.74$27.19
24 Jan 2025$39.18$53.09$27.74
31 Jan 2025$39.00$50.55$28.43
7 Feb 2025$42.39$47.50$29.20
14 Feb 2025$56.69$45.53$30.24
21 Feb 2025$47.77$44.82$31.13
28 Feb 2025$49.85$44.37$32.10
7 Mar 2025$38.94$43.89$32.85
14 Mar 2025$38.75$43.21$33.48
21 Mar 2025$39.32$42.59$34.12
28 Mar 2025$35.16$42.54$34.74
4 Apr 2025$28.70$41.98$35.27
11 Apr 2025$38.61$41.55$35.80
17 Apr 2025$44.80$41.78$36.36
25 Apr 2025$47.97$41.66$37.07
2 May 2025$55.73$41.34$38.02
9 May 2025$87.10$43.01$39.29
16 May 2025$93.78$47.64$41.20
23 May 2025$105.31$54.01$43.40
30 May 2025$106.71$59.71$45.23
6 Jun 2025$132.09$67.73$47.72
13 Jun 2025$133.54$77.30$50.49
20 Jun 2025$147.04$86.47$52.95
27 Jun 2025$165.40$98.36$56.35
3 Jul 2025$182.16$109.04$59.38
11 Jul 2025$134.73$120.15$62.71
18 Jul 2025$140.59$128.63$65.46
25 Jul 2025$148.95$134.78$68.29
1 Aug 2025$144.00$140.10$71.30
8 Aug 2025$91.51$143.19$73.85
15 Aug 2025$91.87$140.98$75.28
22 Aug 2025$95.67$137.25$76.64
29 Aug 2025$94.60$132.48$77.88
5 Sep 2025$85.85$127.33$78.33
12 Sep 2025$89.27$119.29$78.86
19 Sep 2025$91.60$111.41$79.28
26 Sep 2025$84.19$106.28$79.88
3 Oct 2025$85.53$100.63$80.59
10 Oct 2025$77.35$93.95$81.47
17 Oct 2025$73.86$86.93$82.29
24 Oct 2025$76.96$85.45$83.07
31 Oct 2025$65.55$83.41$83.82
7 Nov 2025$59.24$80.20$84.38
14 Nov 2025$52.14$76.86$84.79
21 Nov 2025$54.44$73.16$85.10
28 Nov 2025$61.75$70.62$85.33
5 Dec 2025$68.39$68.23$85.55
12 Dec 2025$70.35$67.14$86.10
19 Dec 2025$73.50$65.88$86.78
26 Dec 2025$70.50$65.47$87.49
2 Jan 2026$65.15$64.71$88.04
9 Jan 2026$77.17$64.60$88.89
16 Jan 2026$68.50$65.36$89.80
23 Jan 2026$67.60$65.90$90.50
30 Jan 2026$63.24$67.27$91.27
6 Feb 2026$67.71$68.29$91.80
13 Feb 2026$64.06$68.84$92.23
20 Feb 2026$62.75$68.61$92.43
27 Feb 2026$72.95$68.33$92.33
6 Mar 2026$73.47$68.52$91.88
13 Mar 2026$66.31$68.38$91.01
20 Mar 2026$66.15$68.13$89.91
27 Mar 2026$61.58$67.41$88.48
2 Apr 2026$63.76$67.03$86.98
10 Apr 2026$59.70$66.89$84.95
17 Apr 2026$80.71$67.56$82.57
24 Apr 2026$78.70$69.26$80.29
1 May 2026$85.46$70.94$78.82
8 May 2026$96.34$73.46$77.63
15 May 2026$98.62$76.11$76.51
22 May 2026$102.80$79.56$75.37
29 May 2026$118.15$83.49$75.65
5 Jun 2026$116.01$88.35$76.32
12 Jun 2026$132.70$94.53$77.15
18 Jun 2026$163.28$101.17$78.28
26 Jun 2026$170.56$110.63$80.10
2 Jul 2026$183.24$118.19$81.82
10 Jul 2026$179.38$127.70$83.97
17 Jul 2026$174.67$137.17$86.29
24 Jul 2026$153.89$144.28$88.41
31 Jul 2026$154.75$149.53$90.29
7 Aug 2026$118.02$154.98$92.44
14 Aug 2026$128.96$155.76$93.70
21 Aug 2026$119.11$155.65$94.99
28 Aug 2026$124.12$153.98$96.55
4 Sep 2026$120.58$150.10$98.20
11 Sep 2026$118.87$145.79$99.51
18 Sep 2026$116.55$139.86$100.99
25 Sep 2026$111.38$133.13$102.13
2 Oct 2026$107.41$126.78$103.08
9 Oct 2026$128.64$122.94$104.18
16 Oct 2026$127.65$118.85$105.65
23 Oct 2026$132.12$119.77$107.25
30 Oct 2026$134.85$120.75$108.62
4 Nov 2026$136.69$121.28$109.54
Weekly closing price ($) with its 50-day and 200-day averages. The strip under the chart shows the phase: tan sideways, green rising, yellow stalling near a high, orange falling. 3-year window.

Price stage: Sideways from Oct 2025 to Apr 2026; Sideways from May 2026 to Jul 2026; Rising from Jul 2026 to Nov 2026.

Price stage: Rising from Jan 2025 to Oct 2025; Sideways from Oct 2025 to Apr 2026; Sideways from May 2026 to Jul 2026; Rising from Jul 2026 to Nov 2026.

Week by week since 2023: did it beat the S&P 500 over the past 13 weeks?

Ahead in 103 of 152 weeks

Week by week since 2023: did it beat the S&P 500 over the past 13 weeks?
Week13-week return vs S&P 500
15 Sep 2023no S&P 500 reading
22 Sep 2023no S&P 500 reading
29 Sep 2023no S&P 500 reading
6 Oct 2023no S&P 500 reading
13 Oct 2023no S&P 500 reading
20 Oct 2023no S&P 500 reading
27 Oct 2023no S&P 500 reading
3 Nov 2023no S&P 500 reading
10 Nov 2023no S&P 500 reading
17 Nov 2023no S&P 500 reading
24 Nov 2023no S&P 500 reading
1 Dec 2023no S&P 500 reading
8 Dec 2023no S&P 500 reading
15 Dec 2023+1.7%
22 Dec 2023+71.7%
29 Dec 2023+45.0%
5 Jan 2024+65.0%
12 Jan 2024+65.3%
19 Jan 2024+212.1%
26 Jan 2024+307.1%
2 Feb 2024+333.7%
9 Feb 2024+291.3%
16 Feb 2024+333.0%
23 Feb 2024+306.7%
1 Mar 2024+338.6%
8 Mar 2024+375.3%
15 Mar 2024+293.4%
22 Mar 2024+197.1%
28 Mar 2024+301.6%
5 Apr 2024+235.7%
12 Apr 2024+250.1%
19 Apr 2024+49.0%
26 Apr 2024+65.5%
3 May 2024+15.5%
10 May 2024+88.6%
17 May 2024+28.3%
24 May 2024+58.1%
31 May 2024+74.8%
7 Jun 2024+36.8%
14 Jun 2024+33.3%
21 Jun 2024+3.6%
28 Jun 2024+0.4%
5 Jul 2024+25.3%
12 Jul 2024+24.8%
19 Jul 2024+38.5%
26 Jul 2024+37.4%
2 Aug 2024+48.6%
9 Aug 2024+36.6%
16 Aug 2024+80.4%
23 Aug 2024+78.6%
30 Aug 2024+63.0%
6 Sep 2024+46.6%
13 Sep 2024+81.5%
20 Sep 2024+97.2%
27 Sep 2024+91.0%
4 Oct 2024+69.4%
11 Oct 2024+101.7%
18 Oct 2024+163.6%
25 Oct 2024+143.4%
1 Nov 2024+169.1%
8 Nov 2024+258.4%
15 Nov 2024+205.2%
22 Nov 2024+256.8%
29 Nov 2024+204.4%
6 Dec 2024+173.5%
13 Dec 2024+98.1%
20 Dec 2024+61.9%
27 Dec 2024+49.2%
3 Jan 2025+76.1%
10 Jan 2025+27.0%
17 Jan 2025−2.4%
24 Jan 2025+5.4%
31 Jan 2025+4.5%
7 Feb 2025−41.5%
14 Feb 2025−15.7%
21 Feb 2025−39.0%
28 Feb 2025−28.1%
7 Mar 2025−30.3%
14 Mar 2025−17.9%
21 Mar 2025−8.4%
28 Mar 2025−13.8%
4 Apr 2025−23.6%
11 Apr 2025+9.4%
17 Apr 2025+31.4%
25 Apr 2025+31.9%
2 May 2025+48.7%
9 May 2025+111.5%
16 May 2025+68.0%
23 May 2025+123.9%
30 May 2025+114.9%
6 Jun 2025+235.2%
13 Jun 2025+238.5%
20 Jun 2025+268.6%
27 Jun 2025+359.8%
3 Jul 2025+510.9%
11 Jul 2025+232.2%
18 Jul 2025+194.6%
25 Jul 2025+194.8%
1 Aug 2025+148.7%
8 Aug 2025−7.8%
15 Aug 2025−10.3%
22 Aug 2025−20.6%
29 Aug 2025−20.8%
5 Sep 2025−43.0%
12 Sep 2025−43.3%
19 Sep 2025−49.4%
26 Sep 2025−56.7%
3 Oct 2025−60.1%
10 Oct 2025−47.3%
17 Oct 2025−53.3%
24 Oct 2025−54.6%
31 Oct 2025−64.2%
7 Nov 2025−40.6%
14 Nov 2025−47.7%
21 Nov 2025−45.2%
28 Nov 2025−40.7%
5 Dec 2025−26.3%
12 Dec 2025−24.9%
19 Dec 2025−22.3%
26 Dec 2025−20.6%
2 Jan 2026−25.9%
9 Jan 2026−6.5%
16 Jan 2026−11.4%
23 Jan 2026−13.9%
30 Jan 2026−5.0%
6 Feb 2026+11.4%
13 Feb 2026+21.4%
20 Feb 2026+10.7%
27 Feb 2026+17.8%
6 Mar 2026+9.4%
13 Mar 2026−2.9%
20 Mar 2026−5.3%
27 Mar 2026−4.5%
2 Apr 2026+1.9%
10 Apr 2026−20.5%
17 Apr 2026+15.2%
24 Apr 2026+12.8%
1 May 2026+31.0%
8 May 2026+35.5%
15 May 2026+45.5%
22 May 2026+55.7%
29 May 2026+51.7%
5 Jun 2026+48.2%
12 Jun 2026+88.1%
18 Jun 2026+131.7%
26 Jun 2026+162.0%
2 Jul 2026+173.8%
10 Jul 2026+189.4%
17 Jul 2026+111.7%
24 Jul 2026+92.0%
31 Jul 2026+77.4%
7 Aug 2026+17.7%
14 Aug 2026+25.7%
21 Aug 2026+13.2%
28 Aug 2026+3.4%
4 Sep 2026−0.5%
11 Sep 2026−13.5%
18 Sep 2026−30.6%
25 Sep 2026−40.5%
2 Oct 2026−44.7%
9 Oct 2026−31.4%
16 Oct 2026−29.6%
23 Oct 2026−17.0%
30 Oct 2026−14.0%
4 Nov 2026+16.7%
Each bar is one week, from 2023 to now (152 weeks with a reading). Green means the stock's return over the previous 13 weeks beat the S&P 500; red means it trailed. The colour is strongest at a gap of 25 percentage points or more. A gap means there is no reading for that week.

Over the last 3.1 years the share price moved +6,002% while the S&P 500 moved +73%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

What dividend does Sezzle pay?

Sezzle Inc. pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes.

Which stock lists is Sezzle on?

Sezzle is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list.

Is Sezzle profitable?

Sezzle Inc. earned $40.8 M of net profit in the Jun 2026 quarter, +47.7% on the same quarter a year earlier. That is the 4th quarter in a row of profit growth. Full-year FY25 profit was $133 M. That is 27.2% of the quarter's revenue. The same quarter a year earlier earned $27.6 M.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

For the full year, FY25 profit was $133 M (+69.5% on the year before).

FY25 profit $133 M (+69.5% on the year before)

  • Net profit $133 M
FY25 profit $133 M (+69.5% on the year before)
QuarterNet profit
FY21−$75.2 M
FY22−$38.1 M
FY23$7.1 M
FY24$78.5 M
FY25$133 M

Growth on a year earlier

  • Growth on a year earlier 69.5%
Growth on a year earlier
QuarterGrowth on a year earlier
FY21–
FY22–
FY23–
FY241,006.3%
FY2569.5%
Top: net profit each year, $ M. Below: growth on the year before, %. 5-year window. A grey bar is lower than the year before.

Jun 2026: $40.8 M (+47.7% on a year earlier), the 4th quarter in a row of growth

  • Net profit (quarterly) $40.8 M
Jun 2026: $40.8 M (+47.7% on a year earlier), the 4th quarter in a row of growth
QuarterNet profit (quarterly)
Sep 2023$1.3 M
Dec 2023$2.9 M
Mar 2024$8.0 M
Jun 2024$29.7 M
Sep 2024$15.4 M
Dec 2024$25.4 M
Mar 2025$36.2 M
Jun 2025$27.6 M
Sep 2025$26.7 M
Dec 2025$42.7 M
Mar 2026$51.3 M
Jun 2026$40.8 M

Growth on a year earlier

  • Growth on a year earlier 47.7%
Growth on a year earlier
QuarterGrowth on a year earlier
Sep 2023−70.2%
Dec 2023363.6%
Mar 2024364.2%
Jun 20242,505.4%
Sep 20241,093.7%
Dec 2024763.1%
Mar 2025351.7%
Jun 2025−7.1%
Sep 202572.7%
Dec 202568.3%
Mar 202641.9%
Jun 202647.7%
Top: net profit each quarter, $ M. Below: growth on the same quarter a year earlier, %. Last 12 quarters. A grey bar is lower than the quarter before.

Why profit moved: revenue changed +51.7% on a year earlier and the margin moved −0.8 percentage points. Sales did the work, and the margin was about flat.

On average over the last four quarters, profit changed +57.7% and revenue +45.0%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit.

How much revenue does Sezzle make, and is it growing?

Sezzle Inc. reported $150 M of income in the Jun 2026 quarter, +51.7% on the same quarter a year earlier. That is the 12th quarter in a row with growth on the year before. Over 4 years it has grown 40.7% a year on average. The last full year, FY25, came in at $450 M.

For a bank, revenue is everything it earns: interest on its loans plus fees from its businesses.

The last four reported quarters add to $532 M.

FY25 revenue was $450 M, +66.1% on the year before.

FY25 revenue $450 M (+66.1% on the year before), 40.7% a year over 4 years

  • Revenue $450 M
FY25 revenue $450 M (+66.1% on the year before), 40.7% a year over 4 years
QuarterRevenue
FY21$115 M
FY22$126 M
FY23$159 M
FY24$271 M
FY25$450 M

Growth on a year earlier

  • Growth on a year earlier 66.1%
Growth on a year earlier
QuarterGrowth on a year earlier
FY21–
FY229.4%
FY2326.9%
FY2470.1%
FY2566.1%
Top: revenue each year, $ M. Below: growth on the year before, %. 5-year window. A grey bar is lower than the year before.

Jun 2026: $150 M (+51.7% on a year earlier), the 12th quarter in a row of growth

  • Revenue (quarterly) $150 M
Jun 2026: $150 M (+51.7% on a year earlier), the 12th quarter in a row of growth
QuarterRevenue (quarterly)
Sep 2023$40.8 M
Dec 2023$48.9 M
Mar 2024$47.0 M
Jun 2024$56.0 M
Sep 2024$70.0 M
Dec 2024$98.2 M
Mar 2025$105 M
Jun 2025$98.7 M
Sep 2025$117 M
Dec 2025$130 M
Mar 2026$136 M
Jun 2026$150 M

Growth on a year earlier

  • Growth on a year earlier 51.7%
Growth on a year earlier
QuarterGrowth on a year earlier
Sep 202334.3%
Dec 202327.8%
Mar 202435.5%
Jun 202460.2%
Sep 202471.3%
Dec 2024100.9%
Mar 2025123.3%
Jun 202576.4%
Sep 202567%
Dec 202532.2%
Mar 202629.2%
Jun 202651.7%
Top: revenue each quarter, $ M. Below: growth on the same quarter a year earlier, %. Last 12 quarters. A grey bar is lower than the quarter before.

Recent pace: the last four quarters grew +45.0% on average, against 40.7% a year over the longer run, so this year is growing faster than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +43.1%, against +66.1% a year over the last 8 quarters (rolling over); profit over the last 12 months grew +54.4%, against +96.2% a year (rolling over).

How much does Sezzle keep from what it earns?

Sezzle Inc.'s net margin was 27.2% in the Jun 2026 quarter, 0.8 percentage points lower than the same quarter a year ago. Its latest full-year margin is the highest it has ever reported. Across 5 years it has been between −65.5% and 29.6%. The latest quarter is within that range.

Net margin is what the bank keeps from every $100 of revenue after every cost, provision for bad loans and tax. With big fee businesses in the mix, it is the clearest margin we can read for this bank.

Across 5 years it has been between −65.5% and 29.6%, and FY25's 29.6% is the highest of them.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

When margins are at a record, every ratio built on profit looks better than usual, so watch whether they hold.

FY25: 29.6%, the highest in a range of −65.5% to 29.6% over 5 years

  • Net margin 29.6%
FY25: 29.6%, the highest in a range of −65.5% to 29.6% over 5 years
QuarterNet margin
FY21−65.5%
FY22−30.3%
FY234.5%
FY2429%
FY2529.6%

Change on the year before (points)

  • Change on the year before (points) +0.6 pts
Change on the year before (points)
QuarterChange on the year before (points)
FY21–
FY22+35.2 pts
FY23+34.8 pts
FY24+24.5 pts
FY25+0.6 pts
Net margin each year, % (top). Below: change on the year before, in percentage points. 5-year window.

Jun 2026: net margin 27.2% (−0.8 points on a year earlier)

  • Net margin 27.2%
Jun 2026: net margin 27.2% (−0.8 points on a year earlier)
QuarterNet margin
Sep 20233.2%
Dec 20236%
Mar 202417%
Jun 202453.1%
Sep 202422.1%
Dec 202425.8%
Mar 202534.5%
Jun 202528%
Sep 202522.8%
Dec 202532.9%
Mar 202637.9%
Jun 202627.2%

Change on a year earlier (points)

  • Change on a year earlier (points) −0.8 pts
Change on a year earlier (points)
QuarterChange on a year earlier (points)
Sep 2023−11.1 pts
Dec 2023+4.3 pts
Mar 2024+12.0 pts
Jun 2024+49.8 pts
Sep 2024+18.9 pts
Dec 2024+19.8 pts
Mar 2025+17.5 pts
Jun 2025−25.1 pts
Sep 2025+0.7 pts
Dec 2025+7.1 pts
Mar 2026+3.4 pts
Jun 2026−0.8 pts
Top: quarterly net margin, %. Below: change on the same quarter a year earlier, in percentage points. Last 12 quarters. Net profit as a share of total revenue, each quarter.

How many of Sezzle's loans have gone bad?

Sezzle Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up.

How fast is Sezzle's loan book growing?

Sezzle Inc.'s revenue was $450 M in FY25, +66.1% on the year before, so the loan book is growing. The latest quarter was +51.7% on a year earlier. The net margin on that income is 27.2%, −0.8 percentage points on a year ago.

We read the loan book through revenue: when the book and the businesses grow, revenue grows with them. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

FY25: revenue $450 M (+66.1% on the year before), net margin 29.6%

  • Revenue $450 M
FY25: revenue $450 M (+66.1% on the year before), net margin 29.6%
QuarterRevenue
FY21$115 M
FY22$126 M
FY23$159 M
FY24$271 M
FY25$450 M

Net margin

  • Net margin 29.6%
Net margin
QuarterNet margin
FY21−65.5%
FY22−30.3%
FY234.5%
FY2429%
FY2529.6%
Top: revenue each year, $ M. Below: net margin, %. 5-year window. A grey bar is lower than the year before.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch.

What is Sezzle's P/BV ratio, and how does it compare with its own history?

Sezzle Inc.'s P/BV is 17.7×, in the middle of its own history: higher than 65% of past readings. Its usual P/BV (the middle reading) is 15.4×, over 3.1 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many dollars the market pays for each $1 of that net worth. Below 1× means the market values it at less than its net worth.

P/BV 17.7× against a usual 15.4×: in the middle of its own history: higher than 65% of past readings

  • P/BV 19.8×
  • Median 15.4×
P/BV 17.7× against a usual 15.4×: in the middle of its own history: higher than 65% of past readings
WeekP/BVMedian
15 Sep 20234.65×15.4×
22 Sep 20234.65×15.4×
29 Sep 20234.55×15.4×
6 Oct 20233.57×15.4×
13 Oct 20233.29×15.4×
20 Oct 20233.57×15.4×
27 Oct 20232.58×15.4×
3 Nov 20233.00×15.4×
10 Nov 20233.40×15.4×
17 Nov 20233.55×15.4×
24 Nov 20233.23×15.4×
1 Dec 20233.17×15.4×
8 Dec 20233.95×15.4×
15 Dec 20234.58×15.4×
22 Dec 20237.73×15.4×
29 Dec 20236.50×15.4×
5 Jan 20245.06×15.4×
12 Jan 20244.70×15.4×
19 Jan 20249.50×15.4×
26 Jan 20248.96×15.4×
2 Feb 202410.9×15.4×
9 Feb 202411.2×15.4×
16 Feb 202412.8×15.4×
23 Feb 202411.0×15.4×
1 Mar 202411.6×15.4×
8 Mar 202415.7×15.4×
15 Mar 202415.0×15.4×
22 Mar 202419.3×15.4×
28 Mar 202421.8×15.4×
5 Apr 202412.9×15.4×
12 Apr 202412.4×15.4×
19 Apr 202410.6×15.4×
26 Apr 202411.2×15.4×
3 May 20249.60×15.4×
10 May 202415.9×15.4×
17 May 202412.7×15.4×
24 May 202413.2×15.4×
31 May 202415.3×15.4×
7 Jun 202416.3×15.4×
14 Jun 202415.5×15.4×
21 Jun 202415.4×15.4×
28 Jun 202416.8×15.4×
5 Jul 20249.99×15.4×
12 Jul 20249.73×15.4×
19 Jul 20249.27×15.4×
26 Jul 20249.47×15.4×
2 Aug 20248.56×15.4×
9 Aug 202412.9×15.4×
16 Aug 202413.8×15.4×
23 Aug 202414.2×15.4×
30 Aug 202415.1×15.4×
6 Sep 202414.1×15.4×
13 Sep 202416.7×15.4×
20 Sep 202418.1×15.4×
27 Sep 202419.2×15.4×
4 Oct 202414.2×15.4×
11 Oct 202416.4×15.4×
18 Oct 202420.6×15.4×
25 Oct 202419.4×15.4×
1 Nov 202419.4×15.4×
8 Nov 202439.4×15.4×
15 Nov 202435.1×15.4×
22 Nov 202439.7×15.4×
29 Nov 202438.7×15.4×
6 Dec 202433.1×15.4×
13 Dec 202428.2×15.4×
20 Dec 202424.8×15.4×
27 Dec 202424.2×15.4×
3 Jan 202517.8×15.4×
10 Jan 202514.6×15.4×
17 Jan 202514.4×15.4×
24 Jan 202515.1×15.4×
31 Jan 202515.0×15.4×
7 Feb 202516.3×15.4×
14 Feb 202521.8×15.4×
21 Feb 202518.4×15.4×
28 Feb 202519.1×15.4×
7 Mar 202515.0×15.4×
14 Mar 202514.9×15.4×
21 Mar 202515.1×15.4×
28 Mar 202513.5×15.4×
4 Apr 20257.75×15.4×
11 Apr 202510.4×15.4×
17 Apr 202512.1×15.4×
25 Apr 202513.0×15.4×
2 May 202515.1×15.4×
9 May 202523.5×15.4×
16 May 202525.3×15.4×
23 May 202528.4×15.4×
30 May 202528.8×15.4×
6 Jun 202535.7×15.4×
13 Jun 202536.1×15.4×
20 Jun 202539.7×15.4×
27 Jun 202539.7×15.4×
3 Jul 202539.7×15.4×
11 Jul 202535.1×15.4×
18 Jul 202536.7×15.4×
25 Jul 202538.9×15.4×
1 Aug 202537.6×15.4×
8 Aug 202523.9×15.4×
15 Aug 202524.0×15.4×
22 Aug 202525.0×15.4×
29 Aug 202524.7×15.4×
5 Sep 202522.4×15.4×
12 Sep 202523.3×15.4×
19 Sep 202523.9×15.4×
26 Sep 202522.0×15.4×
3 Oct 202518.8×15.4×
10 Oct 202517.0×15.4×
17 Oct 202516.3×15.4×
24 Oct 202516.9×15.4×
31 Oct 202514.4×15.4×
7 Nov 202513.0×15.4×
14 Nov 202511.5×15.4×
21 Nov 202512.0×15.4×
28 Nov 202513.6×15.4×
5 Dec 202515.0×15.4×
12 Dec 202515.5×15.4×
19 Dec 202516.2×15.4×
26 Dec 202515.5×15.4×
2 Jan 202613.0×15.4×
9 Jan 202615.4×15.4×
16 Jan 202613.6×15.4×
23 Jan 202613.4×15.4×
30 Jan 202612.6×15.4×
6 Feb 202613.5×15.4×
13 Feb 202612.8×15.4×
20 Feb 202612.5×15.4×
27 Feb 202614.5×15.4×
6 Mar 202614.6×15.4×
13 Mar 202613.2×15.4×
20 Mar 202613.2×15.4×
27 Mar 202612.3×15.4×
2 Apr 202610.9×15.4×
10 Apr 202610.2×15.4×
17 Apr 202613.8×15.4×
24 Apr 202613.4×15.4×
1 May 202614.6×15.4×
8 May 202616.4×15.4×
15 May 202616.8×15.4×
22 May 202617.6×15.4×
29 May 202620.2×15.4×
5 Jun 202619.8×15.4×
12 Jun 202622.7×15.4×
18 Jun 202627.9×15.4×
26 Jun 202629.1×15.4×
2 Jul 202626.5×15.4×
10 Jul 202625.9×15.4×
17 Jul 202625.2×15.4×
24 Jul 202622.2×15.4×
31 Jul 202622.4×15.4×
7 Aug 202617.1×15.4×
14 Aug 202618.6×15.4×
21 Aug 202617.2×15.4×
28 Aug 202617.9×15.4×
4 Sep 202617.4×15.4×
11 Sep 202617.2×15.4×
18 Sep 202616.8×15.4×
25 Sep 202616.1×15.4×
2 Oct 202615.5×15.4×
9 Oct 202618.6×15.4×
16 Oct 202618.4×15.4×
23 Oct 202619.1×15.4×
30 Oct 202619.5×15.4×
4 Nov 202619.8×15.4×

Book value per share

  • Book value per share $6.92
Book value per share
WeekBook value per share
15 Sep 2023–
22 Sep 2023–
29 Sep 2023$0.48
6 Oct 2023$0.48
13 Oct 2023$0.48
20 Oct 2023$0.48
27 Oct 2023$0.48
3 Nov 2023$0.48
10 Nov 2023$0.48
17 Nov 2023$0.48
24 Nov 2023$0.48
1 Dec 2023$0.48
8 Dec 2023$0.48
15 Dec 2023$0.48
22 Dec 2023$0.48
29 Dec 2023$0.53
5 Jan 2024$0.53
12 Jan 2024$0.53
19 Jan 2024$0.53
26 Jan 2024$0.53
2 Feb 2024$0.53
9 Feb 2024$0.53
16 Feb 2024$0.53
23 Feb 2024$0.53
1 Mar 2024$0.53
8 Mar 2024$0.53
15 Mar 2024$0.53
22 Mar 2024$0.53
28 Mar 2024$0.65
5 Apr 2024$0.65
12 Apr 2024$0.65
19 Apr 2024$0.65
26 Apr 2024$0.65
3 May 2024$0.65
10 May 2024$0.65
17 May 2024$0.65
24 May 2024$0.65
31 May 2024$0.65
7 Jun 2024$0.65
14 Jun 2024$0.65
21 Jun 2024$0.65
28 Jun 2024$0.88
5 Jul 2024$0.88
12 Jul 2024$0.88
19 Jul 2024$0.88
26 Jul 2024$0.88
2 Aug 2024$0.88
9 Aug 2024$0.88
16 Aug 2024$0.88
23 Aug 2024$0.88
30 Aug 2024$0.88
6 Sep 2024$0.88
13 Sep 2024$0.88
20 Sep 2024$0.88
27 Sep 2024$1.50
4 Oct 2024$1.50
11 Oct 2024$1.50
18 Oct 2024$1.50
25 Oct 2024$1.50
1 Nov 2024$1.50
8 Nov 2024$1.50
15 Nov 2024$1.50
22 Nov 2024$1.50
29 Nov 2024$1.50
6 Dec 2024$1.50
13 Dec 2024$1.50
20 Dec 2024$1.50
27 Dec 2024$1.83
3 Jan 2025$1.83
10 Jan 2025$1.83
17 Jan 2025$1.83
24 Jan 2025$1.83
31 Jan 2025$1.83
7 Feb 2025$1.83
14 Feb 2025$1.83
21 Feb 2025$1.83
28 Feb 2025$1.83
7 Mar 2025$1.83
14 Mar 2025$1.83
21 Mar 2025$1.83
28 Mar 2025$2.60
4 Apr 2025$2.60
11 Apr 2025$2.60
17 Apr 2025$2.60
25 Apr 2025$2.60
2 May 2025$2.60
9 May 2025$2.60
16 May 2025$2.60
23 May 2025$2.60
30 May 2025$2.60
6 Jun 2025$2.60
13 Jun 2025$2.60
20 Jun 2025$2.60
27 Jun 2025$3.70
3 Jul 2025$3.70
11 Jul 2025$3.70
18 Jul 2025$3.70
25 Jul 2025$3.70
1 Aug 2025$3.70
8 Aug 2025$3.70
15 Aug 2025$3.70
22 Aug 2025$3.70
29 Aug 2025$3.70
5 Sep 2025$3.70
12 Sep 2025$3.70
19 Sep 2025$3.70
26 Sep 2025$3.83
3 Oct 2025$3.83
10 Oct 2025$3.83
17 Oct 2025$3.83
24 Oct 2025$3.83
31 Oct 2025$3.83
7 Nov 2025$3.83
14 Nov 2025$3.83
21 Nov 2025$3.83
28 Nov 2025$3.83
5 Dec 2025$3.83
12 Dec 2025$3.83
19 Dec 2025$3.83
26 Dec 2025$4.55
2 Jan 2026$4.55
9 Jan 2026$4.55
16 Jan 2026$4.55
23 Jan 2026$4.55
30 Jan 2026$4.55
6 Feb 2026$4.55
13 Feb 2026$4.55
20 Feb 2026$4.55
27 Feb 2026$4.55
6 Mar 2026$4.55
13 Mar 2026$4.55
20 Mar 2026$4.55
27 Mar 2026$5.02
2 Apr 2026$5.02
10 Apr 2026$5.02
17 Apr 2026$5.02
24 Apr 2026$5.02
1 May 2026$5.02
8 May 2026$5.02
15 May 2026$5.02
22 May 2026$5.02
29 May 2026$5.02
5 Jun 2026$5.02
12 Jun 2026$5.02
18 Jun 2026$5.02
26 Jun 2026$5.86
2 Jul 2026$5.86
10 Jul 2026$5.86
17 Jul 2026$5.86
24 Jul 2026$5.86
31 Jul 2026$5.86
7 Aug 2026$5.86
14 Aug 2026$5.86
21 Aug 2026$5.86
28 Aug 2026$5.86
4 Sep 2026$5.86
11 Sep 2026$5.86
18 Sep 2026$5.86
25 Sep 2026$6.92
2 Oct 2026$6.92
9 Oct 2026$6.92
16 Oct 2026$6.92
23 Oct 2026$6.92
30 Oct 2026$6.92
4 Nov 2026$6.92
Top: P/BV each week. Below: book value per share, quarterly steps drawn, a step line that moves once a quarter; 3.1 years of history; short peaks above 40× are drawn at the top edge.

PEG 0.12 at the Jun 2026 quarter end: below 1.0, so the P/E is smaller than the earnings growth rate

  • PEG 0.12×
  • PEG = 1.0 1.00×
PEG 0.12 at the Jun 2026 quarter end: below 1.0, so the P/E is smaller than the earnings growth rate
QuarterPEGPEG = 1.0
Jun 20250.21×1.00×
Sep 20250.09×1.00×
Dec 20250.06×1.00×
Mar 20260.05×1.00×
Jun 20260.12×1.00×
PEG each quarter: the P/E divided by the yearly growth rate of earnings. The flat line marks 1.0. Below it the P/E is smaller than the growth rate; above it the P/E is bigger. Last 5 quarters.
17.7×P/BV · higher than 65% of its last 3.1 years
0.08PEG · today, as reported

Why the multiple is where it is: over the past year book value grew while the price moved +130.7%. The price ran ahead of book value, which pushed the multiple up within its own range.

Where the price move came from: over 3 years the price moved +342.3% a year; about +135.5% a year came from book-value growth and about +206.8 percentage points from the multiple (the market paying more). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple.

In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple.

Is the Sezzle business getting better or worse?

Sezzle Inc.'s business is giving mixed signals. Growth is slowing from a very fast pace: revenue growth has eased from +91.7% at its peak to +43.1%, but the business is still expanding, with ROE falling at 69.3%. This is based on 12 quarters of 4 measures.

Every business is somewhere on a path of getting better or worse, and this section names where. The last 12 quarters of growth in revenue, profit and earnings per share, plus the return the business earns on its capital, are read as lines. Getting worse: the lines are falling. Turning around: a low point has just formed and the last few quarters are rising from it. Getting better: the rise from the low has lasted. Growing steadily: steady growth with healthy returns. Slowing from a peak: still high, but slowing. When the lines disagree the result is mixed; too little history means no reading. CAGR (compound annual growth rate) is the steady yearly rate that would turn the starting value into the latest one. It is the fairest way to compare growth over different periods. If the 1-year figure is much bigger than the 10-year one, recent growth is running faster than the long-run trend. A dash means there is no figure for that period, or the starting year was a loss, where a growth rate means nothing.

Growth year by year: revenue +66.1% in FY25, profit +69.5%

  • Revenue growth 66.1%
Growth year by year: revenue +66.1% in FY25, profit +69.5%
QuarterRevenue growth
FY21–
FY229.4%
FY2326.9%
FY2470.1%
FY2566.1%

Profit growth, EPS growth

  • Profit growth 69.5%
  • EPS growth 69.9%
Profit growth, EPS growth
QuarterProfit growthEPS growth
FY21––
FY22––
FY23––
FY24300%300%
FY2569.5%69.9%
Growth on the year before, each year, %. Top: revenue. Below: net profit and earnings per share, on their own scale because profit growth swings much more. Zero line drawn. Turnaround-year jumps are drawn at the edge (▲).

Three growth lines over twelve quarters: revenue rolling over, profit rolling over

  • Revenue 43.1%
Three growth lines over twelve quarters: revenue rolling over, profit rolling over
QuarterRevenue
Sep 202323.7%
Dec 202326.9%
Mar 202429.4%
Jun 202439.3%
Sep 202449.1%
Dec 202470.1%
Mar 202591.7%
Jun 202592.9%
Sep 202588.7%
Dec 202566.1%
Mar 202646.1%
Jun 202643.1%

Profit, EPS

  • Profit 54.4%
  • EPS 56.1%
Profit, EPS
QuarterProfitEPS
Sep 2023––
Dec 2023––
Mar 2024––
Jun 2024300%300%
Sep 2024300%300%
Dec 2024300%300%
Mar 2025300%300%
Jun 2025149.3%150.9%
Sep 2025106.4%106.3%
Dec 202569.5%69.6%
Mar 202639%40.8%
Jun 202654.4%56.1%
Growth on a year earlier, % at each quarter end. Top: revenue. Below: profit and earnings per share, on their own scale because they swing much more. Each is measured over the last 12 months. Extreme jumps from a tiny base are drawn at the edge (▲). A gap means there is no reading for that quarter.

ROE: the return line, worked out each quarter

  • ROE 69.3%
ROE: the return line, worked out each quarter
QuarterROE
Sep 202326.7%
Dec 202332.1%
Mar 202445.2%
Jun 202483.4%
Sep 202491.7%
Dec 202489.4%
Mar 202584.8%
Jun 202580.2%
Sep 202574.6%
Dec 202578.4%
Mar 202675.4%
Jun 202669.3%
Net profit over the last 12 months as a share of equity at the quarter end, %.
Turning downRevenue growth · latest +43.1%, range +23.7% to +92.9%
Turning downProfit growth · latest +54.4%, range +39.0% to +1,070.3%
Turning downEPS growth · latest +56.1%, range +40.8% to +998.7%
Turning downROE · latest 69.3%, range 26.7% to 91.7%

Why it matters: when the lines disagree, each line above matters more than any single label.

Compound annual growth rate (%)

Compound annual growth rate over each period, %. Revenue, profit and EPS come from yearly figures; the stock price row is price growth over the same periods. A dash means no figure for that period, or the starting year was a loss.

Compound annual growth rate (%)
Measure1yr3yr5yr10yr
Revenue+66.1%+53.1%——
Profit+69.5%———
EPS+69.9%———
Stock price+130.7%+342.3%——
+51.7%Revenue growth (Jun 2026) · latest quarter against a year ago
+47.7%Profit growth (Jun 2026) · latest quarter against a year ago
40.7%Revenue, 4 years · yearly growth over the long run

How much does Sezzle earn on its equity and assets?

Sezzle Inc. earned a return on equity of 78% in FY25. Its lowest yearly reading on file was −431% in FY22. On its assets, every $100 earned about $48.79, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together.

Two numbers rate a bank: ROE, what it earns on shareholders’ money, and ROA, what it earns on all its assets. An ROE above about 13 to 15% is healthy; below that, net worth grows slowly.

That is above the level a bank needs to grow its net worth steadily.

FY25: ROE 78%, ROA 47.60%, up from a FY22 low of −431%

  • ROE 78.4%
FY25: ROE 78%, ROA 47.60%, up from a FY22 low of −431%
QuarterROE
FY21−198.9%
FY22−430.8%
FY2332.1%
FY2489.4%
FY2578.4%

ROA

  • ROA 47.6%
ROA
QuarterROA
FY21−5%
FY22−3.1%
FY2314.7%
FY2433.6%
FY2547.6%
Return on equity each year, % (top); return on assets, % (below). 5-year window. A lender is judged on ROE and ROA; return on capital used (ROIC) does not apply to a bank.

Jun 2026: ROE 112.0% (last 12 months), ROA 48.40%

  • ROE (12 months) 112.0%
Jun 2026: ROE 112.0% (last 12 months), ROA 48.40%
QuarterROE (12 months)
Sep 202330.5%
Dec 202330.2%
Mar 202458.7%
Jun 2024123.9%
Sep 2024297.4%
Dec 2024110.9%
Mar 2025136.2%
Jun 2025135.4%
Sep 202586.2%
Dec 202574.7%
Mar 2026105.1%
Jun 2026112%

ROA (12 months)

  • ROA (12 months) 48.4%
ROA (12 months)
QuarterROA (12 months)
Sep 202313.1%
Dec 202317.9%
Mar 202423.2%
Jun 202423.2%
Sep 202432.9%
Dec 202439%
Mar 202550.2%
Jun 202552.6%
Sep 202543.7%
Dec 202547.2%
Mar 202651.5%
Jun 202648.4%
Return on equity over the last 12 months (top) and on assets (below), each quarter, %. Last 12 quarters, lined up with the yearly figure.

Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data.

Does Sezzle have too much debt?

For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead.

For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here.

What is the Sezzle shareholding pattern?

23.4% of Sezzle Inc.'s tradable shares are in short positions, which are bets that the price will fall, so a large group of traders is betting against it. At normal trading volumes, closing those positions would take about 8.5 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead.

There is no quarter-by-quarter list of owners here, so we look at short interest: the share of tradable shares held in short positions, which gain if the price falls.

It is a single reading at one point in time; we do not have its history.

23.4%Short interest · of the tradable float
8.5Days to cover · at typical volumes

Why it is at this level: the figure does not say who has the short positions or why, so we show the level without guessing the story.

How far is Sezzle from balance-sheet trouble?

For Sezzle Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead.

The Z-score estimates how far a company is from balance-sheet trouble. Above about 3 is safe; below about 1.8 is the danger zone. It was built for manufacturers, so it is not used for banks and lenders.

How does Sezzle rank in its industry?

65.9 out of 100, rank 6 of 28 in Credit Services, with 76% of the evidence available.

Sezzle Inc. scores 65.9 out of 100 against the 28 companies it is compared with in Credit Services, ranking 6. A strong business with a high valuation: it would need rising earnings, or a lower multiple, to score better on value.

The four parts add up to the total exactly: 20.1 + 19.7 + 6.5 + 19.6 = 65.9. This is the same number shown on the industry page; it is worked out once for the whole group and read here.

What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector.

Which companies is Sezzle compared with?

Sezzle ranks 6 of 28 Credit Services companies on the 4-Factor Sector Score, with 65.9 out of 100.

  1. 1Encore Capital Group, Inc.ECPG · breaking out · Most evidence points up · 67% evidence71.5out of 100GrowthCapitalValuationRelative
    How the score adds upGrowth & earnings 23.6/35 · Income 29.5% · Profit — · 45% evidenceCapital efficiency 18.3/25 · ROA 8.5% · ROE 34.3% · GNPA — · 68% evidenceValuation 16.0/20 · P/BV 1.85× · P/BV÷ROE 0.05 · 70% evidenceRelative strength 13.6/20 · Lead over its industry 25% · Lead over S&P 500 20.9% · 1 year 111.2% · 100% evidence · 8 of 12 weeks aheadExact sum: 23.6 + 18.3 + 16 + 13.6 = 71.5 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks.
  2. 2EZCORP, Inc.EZPW · turning · Most evidence points up · 76% evidence70.6out of 100GrowthCapitalValuationRelative
    How the score adds upGrowth & earnings 27.6/35 · Income 28.6% · Profit 62.2% · 71% evidenceCapital efficiency 17.1/25 · ROA 8.2% · ROE 17.9% · GNPA — · 68% evidenceValuation 13.0/20 · P/BV 1.82× · P/BV÷ROE 0.1 · 70% evidenceRelative strength 12.9/20 · Lead over its industry 3.5% · Lead over S&P 500 0.1% · 1 year 66.8% · 100% evidence · 1 of 12 weeks aheadExact sum: 27.6 + 17.1 + 13 + 12.9 = 70.6 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks.
  3. 3Atlanticus Holdings CorporationATLC · turning · Most evidence points up · 76% evidence70.2out of 100GrowthCapitalValuationRelative
    How the score adds upGrowth & earnings 23.0/35 · Income 60% · Profit 38.1% · 71% evidenceCapital efficiency 15.9/25 · ROA 2.4% · ROE 26.9% · GNPA — · 68% evidenceValuation 14.5/20 · P/BV 2.1× · P/BV÷ROE 0.08 · 70% evidenceRelative strength 16.8/20 · Lead over its industry 26.3% · Lead over S&P 500 21.7% · 1 year 84.7% · 100% evidence · 2 of 12 weeks aheadExact sum: 23 + 15.9 + 14.5 + 16.8 = 70.2 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer.
  4. 4Mastercard IncorporatedMA · breaking out · Most evidence points up · 80% evidence69.3out of 100GrowthCapitalValuationRelative
    How the score adds upGrowth & earnings 24.8/35 · Income 15.3% · Profit 19% · 81% evidenceCapital efficiency 20.6/25 · ROA 25.7% · ROE 284.8% · GNPA — · 68% evidenceValuation 5.2/20 · P/BV 71.68× · P/BV÷ROE 0.25 · 70% evidenceRelative strength 18.7/20 · Lead over its industry 20.6% · Lead over S&P 500 16.2% · 1 year 21.8% · 100% evidence · 11 of 12 weeks aheadExact sum: 24.8 + 20.6 + 5.2 + 18.7 = 69.3 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks.
  5. 5Visa Inc.V · breaking out · Most evidence points up · 80% evidence67.2out of 100GrowthCapitalValuationRelative
    How the score adds upGrowth & earnings 23.7/35 · Income 14.8% · Profit 17.7% · 81% evidenceCapital efficiency 20.1/25 · ROA 20.3% · ROE 63.6% · GNPA — · 68% evidenceValuation 4.6/20 · P/BV 18.27× · P/BV÷ROE 0.29 · 70% evidenceRelative strength 18.8/20 · Lead over its industry 23.8% · Lead over S&P 500 19.3% · 1 year 29.9% · 100% evidence · 10 of 12 weeks aheadExact sum: 23.7 + 20.1 + 4.6 + 18.8 = 67.2 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks.
  6. 6Sezzle Inc. this pageSEZL · turning · Most evidence points up · 76% evidence65.9out of 100GrowthCapitalValuationRelative
    How the score adds upGrowth & earnings 20.1/35 · Income 43.3% · Profit 55.8% · 71% evidenceCapital efficiency 19.7/25 · ROA 48.4% · ROE 112% · GNPA — · 68% evidenceValuation 6.5/20 · P/BV 24.77× · P/BV÷ROE 0.22 · 70% evidenceRelative strength 19.6/20 · Lead over its industry 33.4% · Lead over S&P 500 28.5% · 1 year 130.7% · 100% evidence · 2 of 12 weeks aheadExact sum: 20.1 + 19.7 + 6.5 + 19.6 = 65.9 · What this means: A strong business with a high valuation: it would need rising earnings, or a lower multiple, to score better on value.
  7. 7Green Dot CorporationGDOT · quiet · Most evidence points up · 67% evidence65.6out of 100GrowthCapitalValuationRelative
    How the score adds upGrowth & earnings 22.6/35 · Income 19.2% · Profit — · 45% evidenceCapital efficiency 14.8/25 · ROA 3.4% · ROE 23.5% · GNPA — · 68% evidenceValuation 16.8/20 · P/BV 0.81× · P/BV÷ROE 0.04 · 70% evidenceRelative strength 11.4/20 · Lead over its industry -0.4% · Lead over S&P 500 -4.2% · 1 year 10.4% · 100% evidence · 0 of 12 weeks aheadExact sum: 22.6 + 14.8 + 16.8 + 11.4 = 65.6 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer.
  8. 8Enova International, Inc.ENVA · quiet · Evidence leans up · 80% evidence64.7out of 100GrowthCapitalValuationRelative
    How the score adds upGrowth & earnings 26.1/35 · Income 29.3% · Profit 30.4% · 81% evidenceCapital efficiency 18.1/25 · ROA 6% · ROE 29% · GNPA — · 68% evidenceValuation 13.1/20 · P/BV 2.65× · P/BV÷ROE 0.09 · 70% evidenceRelative strength 7.4/20 · Lead over its industry 0.6% · Lead over S&P 500 -3.4% · 1 year 45.1% · 100% evidence · 4 of 12 weeks aheadExact sum: 26.1 + 18.1 + 13.1 + 7.4 = 64.7 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer.
  9. 9PRA Group, Inc.PRAA · losing its lead · Evidence leans up · 76% evidence63.8out of 100GrowthCapitalValuationRelative
    How the score adds upGrowth & earnings 17.2/35 · Income 17.6% · Profit -391.2% · 71% evidenceCapital efficiency 13.6/25 · ROA 5% · ROE 12.1% · GNPA — · 68% evidenceValuation 16.7/20 · P/BV 0.65× · P/BV÷ROE 0.05 · 70% evidenceRelative strength 16.3/20 · Lead over its industry 12.3% · Lead over S&P 500 8.2% · 1 year 36.9% · 100% evidence · 8 of 12 weeks aheadExact sum: 17.2 + 13.6 + 16.7 + 16.3 = 63.8 · What this means: Relative strength against the index is 8.2%, and revenue and profit growth are weak.
  10. 10Affirm Holdings, Inc.AFRM · turning · Evidence leans up · 76% evidence59.1out of 100GrowthCapitalValuationRelative
    How the score adds upGrowth & earnings 28.4/35 · Income 32.2% · Profit 100% · 71% evidenceCapital efficiency 10.6/25 · ROA 1.7% · ROE 11.2% · GNPA — · 68% evidenceValuation 3.5/20 · P/BV 4.98× · P/BV÷ROE 0.45 · 70% evidenceRelative strength 16.6/20 · Lead over its industry 9.8% · Lead over S&P 500 5.4% · 1 year 2.7% · 100% evidence · 2 of 12 weeks aheadExact sum: 28.4 + 10.6 + 3.5 + 16.6 = 59.1 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer.
  11. 11Bread Financial Holdings, Inc.BFH · quiet · Evidence leans up · 80% evidence58.8out of 100GrowthCapitalValuationRelative
  12. 12PayPal Holdings, Inc.PYPL · losing its lead · Evidence leans up · 76% evidence58.6out of 100GrowthCapitalValuationRelative
  13. 13Credit Acceptance CorporationCACC · quiet · Evidence leans up · 76% evidence54.9out of 100GrowthCapitalValuationRelative
  14. 14Jefferson Capital, Inc.JCAP · quiet · Evidence leans up · 76% evidence54.8out of 100GrowthCapitalValuationRelative
  15. 15FirstCash Holdings, Inc.FCFS · quiet · Evidence leans up · 80% evidence54.5out of 100GrowthCapitalValuationRelative
  16. 16Capital One Financial CorporationCOF · quiet · Evidence leans up · 60% evidence54.3out of 100GrowthCapitalValuationRelative
  17. 17American Express CompanyAXP · basing · Evidence leans up · 80% evidence53.9out of 100GrowthCapitalValuationRelative
  18. 18OneMain Holdings, Inc.OMF · quiet · Evidence leans up · 76% evidence53.2out of 100GrowthCapitalValuationRelative
  19. 19Federal Agricultural Mortgage CorporationAGM · quiet · Evidence leans up · 76% evidence51.6out of 100GrowthCapitalValuationRelative
  20. 20Synchrony FinancialSYF · quiet · Evidence leans down · 80% evidence48.4out of 100GrowthCapitalValuationRelative
  21. 21Ally Financial Inc.ALLY · basing · Evidence leans down · 60% evidence46.0out of 100GrowthCapitalValuationRelative
  22. 22The Western Union CompanyWU · basing · Evidence leans down · 76% evidence41.4out of 100GrowthCapitalValuationRelative
  23. 23SoFi Technologies, Inc.SOFI · basing · Evidence leans down · 76% evidence40.8out of 100GrowthCapitalValuationRelative
  24. 24Upstart Holdings, Inc.UPST · basing · Too little evidence to rank firmly · 55% evidence35.9out of 100GrowthCapitalValuationRelative
  25. 25Klarna Group plcKLAR · basing · Evidence leans down · 61% evidence35.4out of 100GrowthCapitalValuationRelative
  26. 26Nelnet, Inc.NNI · basing · Most evidence points down · 76% evidence32.4out of 100GrowthCapitalValuationRelative
  27. 27Navient CorporationNAVI · losing its lead · Most evidence points down · 76% evidence31.0out of 100GrowthCapitalValuationRelative
  28. 28SLM CorporationSLM · quiet · Most evidence points down · 80% evidence24.7out of 100GrowthCapitalValuationRelative

Missing figures are not scored as bad. They lower the confidence and pull the final score toward the middle. Relative strength counts only when the company has a reading for this week; with no reading, that factor is left out and its 20 points are shared across the other three in proportion. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step path the industry is placed on (basing, turning, breaking out, leader, fading, asleep), read from how many weeks running it has led S&P 500 and whether that lead is growing or shrinking. It describes where the share price stands, not the direction of earnings, and it is not a recommendation; it is left blank for a company whose weekly history is too short or too stale to read.

The figures in this ranking come from the industry comparison: results through the Sep 2026 quarter, and the P/E at that quarter's end. The sections above use the latest weekly price, so a P/E or return there can differ a little from the one here. The stage words in this ranking (such as losing its lead or breaking out) describe the lead over the index, not the price phase in the price section.

Related companies: Credit Services, all 28 compared on one page.

Which companies are close to Sezzle in size?

Sezzle is the 14th largest of 42 Credit Services companies on Sector Alpha by market value (scores of 4 November 2026). Just above it: OneMain Holdings, Inc., Klarna Group plc and Credit Acceptance Corporation. Just below it: Nelnet, Inc., Enova International, Inc. and Bread Financial Holdings, Inc.

Credit Services companies close in size

  1. OneMain Holdings, Inc. $6.6 billion
  2. Klarna Group plc $5.3 billion
  3. Credit Acceptance Corporation $5.1 billion
  4. Sezzle Inc. $4.6 billion
  5. Nelnet, Inc. $4.6 billion
  6. Enova International, Inc. $4.4 billion
  7. Bread Financial Holdings, Inc. $4 billion

All 42 Credit Services companies, largest first

Companies close in size in other industries

  1. Valvoline Inc. $4.6 billion · Auto & Truck Dealerships
  2. Lumen Technologies, Inc. $4.6 billion · Telecom Services
  3. Sezzle Inc. $4.6 billion
  4. Planet Labs PBC $4.6 billion · Aerospace & Defense
  5. Fulton Financial Corporation $4.6 billion · Banks - Regional

What else do people ask about Sezzle?

What were Sezzle's latest quarterly results?

Sezzle Inc. reported total income of $150 M and net profit of $40.8 M for the Jun 2026 quarter. Income rose 51.7% and profit rose 47.7% compared with a year earlier. Earnings per share were $1.17.

The net margin was 27.2%, 0.8 percentage points lower than a year earlier (as of 4 November 2026).

What is Sezzle's market cap?

Sezzle Inc.'s market capitalisation is $4.6 B at a stock price of $136.69. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026).

How is Sezzle performing?

Sezzle Inc.'s share price has been rising for 16 weeks. In its latest quarter, income rose 51.7% and profit rose 47.7% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 1 week running (as of 4 November 2026).

Will Sezzle's stock price go up?

This page does not forecast Sezzle Inc.'s stock price. What it shows instead: the stock price is $136.69, and it has been rising for 16 weeks. Its P/BV of 17.7× is higher than 65% of its own last 3 years (as of 4 November 2026).

Where is Sezzle in its business cycle?

Sezzle Inc.'s FY25 net margin was 29.6%, against a 5-year range of −65.5% to 29.6%: the top of its range, a record year. When profit is at a record, every ratio looks better than usual, and the story depends on margins staying high. The latest quarter was 27.2%.

Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026).

What could break the Sezzle story?

The main question: the share price moved +130.7% in a year while yearly earnings per share moved +69.9%. The difference came from the market paying a higher multiple.

On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026).

Is Sezzle a stock worth studying right now?

What the numbers show: Sezzle Inc.'s share price has risen faster than its earnings: +130.7% in a year, against +69.9% for earnings per share. The main open question: whether earnings grow into a price that has already moved.

Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026).

Where do these numbers come from?

Sector Alpha, written by code from the published numbers. Data as of 4 November 2026.

Every chart on this page is drawn by code from the published figures, with no forecasts and no price opinions.

See the plain-text version of this page.

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