Sezzle Inc. SEZL
Sezzle Inc. (SEZL) earns a Piotroski F-score of 7/9 (strong financial health), with an Altman Z″ in the safe zone. It does not currently pay a dividend. FY2025 revenue was $450.3M at a 29.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-06-29 | Oppenheimer | Perform (down) |
| 2026-06-25 | Freedom Broker | Hold (init) |
| 2026-06-18 | Northland Capital Markets | Outperform (main) |
| 2026-06-18 | Needham | Buy (main) |
| 2026-06-02 | B. Riley Securities | Buy (main) |
| 2026-05-07 | Keefe, Bruyette & Woods | Outperform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 7/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.655 |
| Retained earnings / assets | -0.001 |
| EBIT / assets | 0.442 |
| Equity / liabilities | 0.737 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| SEZL | Sezzle Inc. | 7/9 | 8.04 | 43.1 | +66.1% |
| UXIN | Uxin Ltd | 3/9 | — | — | +143.3% |
| EEX | Emerald Holding, Inc. | 4/9 | -1.59 | — | +16.2% |
| FVRR | Fiverr International Ltd. | 7/9 | 2 | 19.1 | +10.1% |
| LQDT | LIQUIDITY SERVICES INC | 6/9 | 3.31 | 43.4 | +31.2% |
| RMNI | Rimini Street, Inc. | 6/9 | -1.39 | 10.8 | -1.7% |
| PHR | Phreesia, Inc. | 5/9 | -1.95 | 269.9 | +14.5% |
About Sezzle Inc.
Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada. The company offers Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; Pay-in-five which allows eligible consumers to pay a fifth of the purchase price up front, and then another four installments every two weeks; Pay-in-Two, which allow consumer to pay half of the value of their order up-front and the second half in two weeks; and other alternative installment options. It also provides Sezzle Virtual Card that allows consumers to access the Sezzle Platform in the form of merchants in-store and online with merchants that are not directly integrated with Sezzle; Sezzle Anywhere, a paid subscription service that allows consumers to use their Sezzle Virtual Card at any merchant online or in-store; Sezzle On-Demand, a service that allows consumers who are not subscribed to Sezzle Anywhere to use the Sezzle Platform at any merchant online or in-store; Sezzle Premium, a paid subscription service that allows its consumers to access large, non-integrated premium merchants; Sezzle Balance, a stored-value product that allows consumers to maintain funds in Sezzle account for use toward eligible purchases or make payments on the Sezzle Platform; and Sezzle Up, an opt-in feature of the Sezzle Platform. In addition, the company offers Long-Term Lending through collaboration with third-party lenders. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.
FAQ
Is SEZL financially healthy?
Sezzle Inc.'s Piotroski F-score is 7/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does SEZL pay a dividend?
No, Sezzle Inc. does not currently pay a dividend.
How profitable is SEZL?
In FY2025, Sezzle Inc. had a net margin of 29.6% and a return on equity of 78.4%.
What is SEZL's P/E ratio?
Sezzle Inc.'s trailing price-to-earnings (P/E) ratio is about 43.1×, based on its latest annual earnings.
What is the analyst price target for SEZL?
The average Wall-Street price target for Sezzle Inc. is $141.67, about 12.9% above the recent price, from 6 analysts (consensus: buy).
Is SEZL a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Sezzle Inc.: a Piotroski F-score of 7/9, an Altman Z″ in the safe zone, a P/E of about 43.1×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.