Sezzle Inc. (SEZL) Key Metrics
SEZL valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $4.31B
- Enterprise value
- $3.64B
- P/E (TTM)
- 28.0
- Forward P/E
- 17.1
- PEG ratio
- 0.06
- Price / sales
- 8.1
- Price / book
- 15.5
- EV / EBITDA
- 18.0
- Dividend yield
- —
- Beta
- 6.73
SEZL key metrics, 2017–2025
Fiscal year ended December 31, 2025 · U.S. dollarsSEZL valuation Price multiples at each fiscal year-end price.
SEZL returns How much profit the business earns on the capital it uses.
SEZL per-share figures Results divided by the shares outstanding at year-end.
SEZL financial health Debt, liquidity and how easily interest is covered.
SEZL efficiency & capital use Working capital cycle and where the cash goes.
SEZL valuation history
SEZL returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
SEZL debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
SEZL cash returned to shareholders
SEZL price vs earnings per share
SEZL key metrics
2017–2025| 2025 | 2024 | 2023 | 2022 | 2018 | 2017 | |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| Market capitalization | $2.27B | — | $116.5M | — | — | — |
| Enterprise value | $2.35B | — | $144.6M | — | — | — |
| P/E ratio | 17.0 | — | 16.4 | — | — | — |
| Price / sales | 5.0 | — | 0.7 | — | — | — |
| Price / book | 13.4 | — | 5.3 | — | — | — |
| Price / free cash flow | 10.9 | — | — | — | — | — |
| Price / operating cash flow | 10.8 | — | — | — | — | — |
| EV / sales | 5.2 | — | 0.9 | — | — | — |
| EV / EBITDA | 8.8 | — | 5.9 | — | — | — |
| EV / free cash flow | 11.3 | — | — | — | — | — |
| Earnings yield | 5.9% | — | 6.1% | — | — | — |
| Free cash flow yield | 9.2% | — | −23.2% | — | — | — |
| Shareholder yield (dividends + buybacks) | 2.8% | — | 1.4% | — | — | — |
| Share price at fiscal year-end | $63.48 | $42.63 | $3.42 | — | — | — |
| Per share | ||||||
| Revenue per share | $12.60 | — | $4.68 | $3.84 | $0.17 | $0.00 |
| Earnings per share | $3.72 | — | $0.21 | −$1.17 | −$0.45 | −$0.21 |
| Operating cash flow per share | $5.87 | — | −$0.75 | $0.26 | −$0.66 | −$0.10 |
| Free cash flow per share | $5.83 | — | −$0.79 | $0.23 | −$0.70 | −$0.11 |
| Cash per share | $1.79 | — | $1.98 | $2.09 | $0.69 | $0.10 |
| Book value per share | $4.75 | — | $0.65 | $0.27 | $0.56 | −$0.26 |
| Tangible book value per share | $4.66 | — | $0.59 | $0.23 | $0.54 | −$0.27 |
| Capex per share | $0.04 | — | $0.04 | $0.03 | $0.04 | $0.00 |
| Debt per share | $3.94 | — | $2.81 | $1.96 | $0.47 | — |
| Shares outstanding | 35.7M | — | 34.1M | 32.7M | 9.4M | 8.6M |
| Change in shares outstanding | — | — | +4.3% | +248.1% | +9.0% | — |
| Returns & profitability | ||||||
| Return on equity (ROE) | 103.3% | 142.9% | 45.9% | −430.8% | −276.1% | — |
| Return on invested capital (ROIC) | 78.9% | 97.0% | 74.6% | −481.0% | — | — |
| Return on assets (ROA) | 38.1% | 30.7% | 3.7% | −22.1% | −61.1% | −150.0% |
| Return on tangible assets | 33.5% | — | 3.4% | −22.2% | −34.2% | −160.0% |
| Free cash flow margin | 46.3% | 15.1% | −17.0% | 6.0% | −404.5% | — |
| Income quality (OCF / net income) | 1.58 | 0.52 | −3.62 | — | — | — |
| Financial health | ||||||
| Total debt | $140.8M | $104.8M | $95.7M | $64.1M | $4.4M | — |
| Cash & short-term investments | $64.1M | $73.2M | $67.6M | $68.3M | $6.5M | $831,896 |
| Net debt | $76.8M | $31.6M | $28.0M | −$4.2M | −$2.1M | −$831,896 |
| Debt / equity | 0.83 | 1.19 | 4.33 | 7.25 | 0.83 | — |
| Debt / assets | 0.35 | 0.35 | 0.45 | 0.37 | 0.35 | — |
| Net debt / EBITDA | 0.29 | 0.38 | 1.14 | — | — | — |
| Current ratio | 3.92 | 2.44 | 1.12 | 1.72 | 4.25 | 6.70 |
| Quick ratio | 3.92 | 2.44 | 1.10 | 1.67 | 4.25 | 6.70 |
| Interest coverage | 12.6 | 6.0 | 1.4 | -3.3 | — | — |
| Working capital | $262.1M | $151.9M | $21.8M | $70.9M | $9.3M | $914,598 |
| Invested capital | $246.6M | $119.5M | $50.1M | $4.7M | $3.2M | −$3.1M |
| Tangible asset value | $166.5M | −$2.35B | $20.2M | $7.5M | $5.0M | $946,234 |
| Net current asset value | $121.4M | $47.1M | $18.5M | $6.4M | $4.9M | $914,598 |
| Graham number | $19.95 | — | $1.74 | — | — | — |
| Graham net-net per share | $0.82 | — | −$0.65 | −$0.65 | $0.32 | $0.10 |
| Capital allocation | ||||||
| Share buybacks (net) | $64.7M | $23.6M | $1.7M | $381,434 | — | — |
| Dividends + buybacks / free cash flow | 31.0% | 57.8% | — | 5.1% | — | — |
| Capex / revenue | 0.3% | 25.7% | 0.9% | 0.8% | 22.6% | 30.2% |
| Capex / operating cash flow | 0.7% | 170.6% | — | 11.8% | — | — |
| Capex / depreciation | 1.14 | 72.26 | 1.60 | 1.19 | 3.81 | 1.38 |
| Stock-based compensation / revenue | 1.4% | 1.9% | 4.4% | 8.2% | 4.6% | 0.2% |
| R&D / revenue | — | 0.3% | 0.4% | 1.6% | 24.1% | 433.5% |
| SG&A / revenue | 10.9% | 7.8% | 12.9% | 28.2% | 266.9% | — |
| Efficiency | ||||||
| Days sales outstanding | 172.5 | 199.8 | 261.2 | 278.7 | 578.8 | 2,647.2 |
| Days of inventory on hand | — | — | 16.5 | 18.8 | 0.0 | 0.0 |
| Days payables outstanding | 346.8 | 508.4 | 335.1 | 329.4 | 475.5 | 1,114.2 |
| Cash conversion cycle (days) | -174.3 | -308.7 | -57.4 | -31.9 | 103.3 | 1,533.0 |
| Receivables turnover | 2.12 | 1.83 | 1.40 | 1.31 | 0.63 | 0.14 |
| Payables turnover | 1.05 | 0.72 | 1.09 | 1.11 | 0.77 | 0.33 |
| Inventory turnover | — | — | 22.14 | 19.42 | 915,266.00 | 35,347.00 |
| Asset turnover | 1.29 | 1.06 | 0.83 | 0.73 | 0.24 | 0.02 |
| Average receivables | $212.8M | $148.4M | $114.0M | $95.9M | $2.6M | $212,976 |
| Average payables | $62.7M | $71.6M | $78.6M | $83.0M | $1.2M | $107,899 |
| Average inventory | — | — | $3.9M | $4.7M | $1 | $1 |
| Intangibles / total assets | 0.8% | 818.3% | 0.9% | 0.8% | 2.1% | 6.3% |
Computed from SEZL's annual financial statements (latest annual report filed February 26, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
SEZL valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Sezzle traded at 17.0 times earnings. Based on the latest twelve months, the trailing P/E is 28.0 and the forward P/E is 17.1. Sezzle earned a return on equity of 103.3% and a return on invested capital of 78.9% in fiscal 2025. It ended the year with $140.8 million of debt and $64.1 million in cash and short-term investments, net debt of $76.8 million. It returned $64.7 million to shareholders: $0 in dividends and $64.7 million in share buybacks, 31% of free cash flow. The share count rose 315.4% from 8.6M to 35.7M over 5 years.
See the SEZL income statement, the SEZL chart for price history, or the SEZL stock overview for the latest quote and news.
SEZL key metrics FAQ
What is Sezzle's P/E ratio?
Sezzle's trailing P/E ratio is 28.0 based on the last twelve months of earnings (as of October 17, 2026), and its forward P/E is 17.1. At the end of fiscal 2025 it was 17.0.
What is Sezzle's EV/EBITDA?
Sezzle's enterprise value was 8.8 times EBITDA at the end of fiscal 2025 (enterprise value $2.3 billion, EBITDA $267.5 million); the current EV/EBITDA is 18.0.
What is Sezzle's return on equity?
Sezzle's return on equity (ROE) was 103.3% in fiscal 2025: net income of $133.1 million on average shareholders' equity of $128.8 million. ROE is high partly because years of buybacks have reduced equity on the balance sheet.
What is Sezzle's ROIC?
Sezzle's return on invested capital was 78.9% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Sezzle have?
Sezzle had total debt of $140.8 million at the end of fiscal 2025, a debt-to-equity ratio of 0.83 and $76.8 million of net debt (0.29 times EBITDA).
Does Sezzle buy back its shares?
Yes. Sezzle spent $64.7 million on net share repurchases in fiscal 2025.
What is Sezzle's free cash flow yield?
Sezzle generated $208.4 million of free cash flow in fiscal 2025, a free cash flow yield of 9.2% on its market value at year-end ($2.3 billion).
What is Sezzle's current ratio?
Sezzle's current ratio was 3.92 at the end of fiscal 2025: current assets were 3.92 times current liabilities.