Stocktoria

Sezzle Inc. SEZL

Nasdaq · stock · Services-Business Services, NEC · website · IPO 2019-07-30 · LEI

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.

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92/100
Stocktoria Quality Score · grade A+
7/9
Piotroski F — financial health
8.04
Altman Z″ — distress risk · safe
Dividend yield · no dividend

Quality score trend · recomputed for each fiscal year

Piotroski F /9
2 5 3 6 7 20212022202320242025
Altman Z″
-0.37 -1.48 -0.92 4.65 8.04 20212022202320242025

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.

$125.44 as of 2026-08-01 · +32.6% 1y
$61.75$171.6352-wk
Market cap USD$5.7B
P / E43.1×
Net margin 5y avg-6.5%
Return on equity 5y avg-86%
Beta6.97
Employees201

Analyst price target

$141.67 +12.9% vs last
consensus: buy · 6 analysts
target range $108.00 – $170.00 · median $145.50
2 strong buy · 2 buy · 3 hold
Recent analyst actions
DateFirmRating
2026-06-29OppenheimerPerform (down)
2026-06-25Freedom BrokerHold (init)
2026-06-18Northland Capital MarketsOutperform (main)
2026-06-18NeedhamBuy (main)
2026-06-02B. Riley SecuritiesBuy (main)
2026-05-07Keefe, Bruyette & WoodsOutperform (main)

Wall Street analyst consensus — a sentiment gauge, not our scoring.

Revenue trend · last 6y · up

How it ranks in Services · percentile among 982 companies

Piotroski Fstronger than 88%
Net marginstronger than 94%
Return on equitystronger than 97%
Revenue growthstronger than 96%

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

Altman Z″ components · safe zone

ComponentValue
Working capital / assets0.655
Retained earnings / assets-0.001
EBIT / assets0.442
Equity / liabilities0.737

Sector peers · similar-size Services companies compare side by side →

TickerCompanyPiotroski FAltman Z″P / ERevenue growth
SEZLSezzle Inc.7/98.0443.1+66.1%
UXINUxin Ltd3/9+143.3%
EEXEmerald Holding, Inc.4/9-1.59+16.2%
FVRRFiverr International Ltd.7/9219.1+10.1%
LQDTLIQUIDITY SERVICES INC6/93.3143.4+31.2%
RMNIRimini Street, Inc.6/9-1.3910.8-1.7%
PHRPhreesia, Inc.5/9-1.95269.9+14.5%

All Services companies →

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.