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SEZL

BULLISH
$80.71 Live
Sezzle Inc. · NASDAQ
Target $93.17 (+15.4%)
$37.6 52W Range $186.74

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 19, 2026
Market cap
$2.76B
P/E
21.7
ROE
103.3%
Profit margin
29.6%
Debt/Equity
0.83
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
SEZL exhibits a stable financial foundation with a Piotroski F-Score of 4/9 and exceptional profitability metrics. While the current price of $80.71 is significantly above the defensive Graham Number ($20.51), it remains well below the growth-based intrinsic value of $109.74. The company's explosive earnings growth (66.8% YoY) and an incredibly low PEG ratio (0.07) suggest massive undervaluation relative to its growth trajectory. However, aggressive insider selling across the C-suite and a bearish technical trend provide a cautionary counter-balance to the strong fundamentals.

Key Strengths

Exceptional profitability with ROE of 103.34% and ROA of 47.62%
Extremely low PEG ratio (0.07) indicating significant undervaluation relative to growth
Strong earnings momentum with 66.8% YoY growth and consistent EPS beats
Robust liquidity position with a Current Ratio of 3.92
High operating margins (60.82%) and gross margins (73.17%)

Key Risks

Heavy insider selling by CEO, CFO, COO, and President totaling $3.62M
High Price-to-Book ratio (16.06) indicating a steep premium over book value
Regulatory headwinds facing the Buy-Now-Pay-Later (BNPL) industry
Bearish technical trend (0/100) suggesting short-term price pressure
Sensitivity to credit cycles and consumer default rates
AI Fair Value Estimate
Based on comprehensive analysis
$95.0
+17.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
59
Moderate
Value
70
Future
95
Past
80
Health
50
Dividend
0
AI Verdict
High-Growth Aggressive Buy
Key drivers: Earnings Growth, ROE, PEG Ratio
Confidence
85%
Value
70/100

Ref P/E 21.7, PEG 0.07, Graham $20.51

Positives
  • Low Forward P/E (13.70)
  • Extremely low PEG (0.07)
Watchpoints
  • Price far exceeds Graham Number
  • High P/B ratio
Future
95/100

Ref Growth rates and EPS track record

Positives
  • 32.2% Revenue Growth
  • 66.8% Earnings Growth
  • Consistent EPS surprises
Watchpoints
  • BNPL regulatory uncertainty
Past
80/100

Ref Historical price and earnings trends

Positives
  • 80.2% 1Y return
  • Strong quarterly EPS progression
Watchpoints
  • Recent technical breakdown
Health
50/100

Ref Piotroski F-Score 4/9, Altman Z-Score N/A

Positives
  • Current Ratio 3.92
  • Debt/Equity 0.83
Watchpoints
  • Piotroski F-Score 4/9 (Stable but not strong)
Dividend
0/100

Ref Yield N/A, Payout 0%

Positives
No standout positives identified.
Watchpoints
  • No dividend payout

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$80.71
Analyst Target
$93.17
Upside/Downside
+15.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for SEZL and closest competitors.

Updated 2026-04-17
SEZ
Sezzle Inc.
Primary
5Y
+497.3%
3Y
+497.3%
1Y
+80.2%
6M
+9.3%
1M
+23.2%
1W
+35.2%
BHF
Brighthouse Financial, Inc.
Peer
5Y
-13.9%
3Y
-16.8%
1Y
-18.5%
6M
+8.0%
1M
+10.1%
1W
+2.6%
CVB
CVB Financial Corp.
Peer
5Y
+10.9%
3Y
+40.7%
1Y
+23.9%
6M
+7.4%
1M
+4.5%
1W
+3.6%
BOH
Bank of Hawaii Corporation
Peer
5Y
+7.4%
3Y
+9.8%
1Y
+3.7%
6M
+10.1%
1M
+0.7%
1W
-0.6%
ADX
Adams Diversified Equity Fund, Inc.
Peer
5Y
+91.8%
3Y
+107.2%
1Y
+21.8%
6M
+11.2%
1M
+1.7%
1W
+2.5%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
21.7
Forward P/E
13.7
PEG Ratio
0.07
P/B Ratio
16.06
P/S Ratio
6.12
EV/Revenue
6.23
EV/EBITDA
10.53
Market Cap
$2.76B

Profitability

Profit margins and return metrics

Profit Margin 29.57%
Operating Margin 60.82%
Gross Margin 73.17%
ROE 103.34%
ROA 47.62%

Growth

Revenue and earnings growth rates

Revenue Growth +32.2%
Earnings Growth +66.8%
Q/Q Revenue Growth +32.22%
Q/Q Earnings Growth +68.3%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.83
Moderate
Current Ratio
3.92
Strong
Quick Ratio
3.62
Excellent
Cash/Share
$1.9

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Gross Margin
72.0%
Op. Margin
39.7%
Net Margin
32.9%
Total Assets
$0.4B
Liabilities
$0.2B
Equity
$0.2B
Debt/Equity
1.36x
Operating CF
$0.2B
CapEx
$-0.0B
Free Cash Flow
$0.2B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-06
$N/A
2026-02-25
$1.21
+26.0% surprise
2025-11-05
$0.71
+9.2% surprise
2025-08-07
$0.69
+19.0% surprise

Financial Services Sector Comparison

Comparing SEZL against 525 companies in the Financial Services sector (96 bullish, 216 neutral, 213 bearish)
P/E Ratio
21.7
This Stock
vs
43.93
Sector Avg
-50.6% (Discount)
Return on Equity (ROE)
103.34%
This Stock
vs
0.14%
Sector Avg
+72294.7% (Excellent)
Profit Margin
29.57%
This Stock
vs
46.8%
Sector Avg
-36.8% (Weaker)
Debt to Equity
0.83
This Stock
vs
1.41
Sector Avg
-41.3% (Less Debt)
Revenue Growth
32.2%
This Stock
vs
40.4%
Sector Avg
-20.3% (Slower)
Current Ratio
3.92
This Stock
vs
3.36
Sector Avg
+16.5% (Stronger)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

PARADIS PAUL
President
Sell
2026-03-03
5,257 shares · $375,254
YOUAKIM CHARLES
Chief Executive Officer
Sell
2026-03-03
7,185 shares · $512,879
SABZIVAND AMIN
Chief Operating Officer
Sell
2026-03-03
5,118 shares · $365,332
HOLLIS KERISSA
General Counsel
Sell
2026-03-03
233 shares · $16,632
BRADING LEE DICKSON
Chief Financial Officer
Stock Award
2026-03-03
29,976 shares
BRADING LEE DICKSON
Chief Financial Officer
Sell
2026-03-03
1,240 shares · $88,513
KRAUSE JUSTIN
Officer
Sell
2026-03-03
1,404 shares · $100,220
PARADIS PAUL
President
Sell
2026-02-26
26,400 shares · $2,156,532
BREHM KYLE M.
Director
Sell
2026-01-05
1 shares · $66
BREHM KYLE M.
Director
Buy
2025-11-12
1,217 shares · $69,978
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-15

Sezzle Inc. filed an 8-K on April 15, 2026, likely to announce its quarterly financial results.

8-K
8-K
2026-04-09

Sezzle Inc. filed an 8-K likely to report its first-quarter financial results for 2026.

8-K
8-K
2026-03-20
8-K
8-K
2026-03-06
10-K
10-K
2026-02-26

SEZL filed its annual 10-K on February 26, 2026, which includes standard disclosures regarding its financial condition, operations, and market risks. While specific financial metrics were not provided in the excerpts, the filing contains comprehensive sections on risk factors and management's discussion and analysis of financial results.

8-K
8-K
2026-02-25

Sezzle Inc. filed an 8-K likely to report its fourth-quarter and full-year financial results for the fiscal year ending December 31, 2025.

8-K
8-K
2026-02-02

Sezzle Inc. likely reported its fourth-quarter and full-year financial results.

8-K
8-K
2026-01-29

Sezzle Inc. filed an 8-K on January 29, 2026, likely to report its fourth quarter and full-year financial results.

8-K
8-K
2025-12-15
8-K
8-K
2025-11-14

Sezzle Inc. filed an 8-K on November 14, 2025, likely to announce its third-quarter financial results.

10-Q
10-Q
2025-11-06
8-K
8-K
2025-11-05
8-K
8-K
2025-10-21
8-K
8-K
2025-08-11
10-Q
10-Q
2025-08-08
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
6 analysts
Keefe, Bruyette & Woods
2026-04-06
init
Outperform
Needham
2026-02-26
Maintains
Buy Buy
Needham
2026-02-12
init
Buy
TD Cowen
2026-01-08
Maintains
Hold Hold

Past News Coverage

Recent headlines mentioning SEZL from our newsroom.

Newest → oldest
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