Sezzle Inc.
SEZLFinancial ServicesNASDAQCredit Services
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Daily timeframeSezzle Inc. operates as a technology-enabled payments company in the United States and Canada. The $5.87B market capitalization puts SEZL squarely in mid-cap range for its industry. 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.
Market Cap
$5.87B
Beta
6.72
P/E (TTM)
43.02
P/E (Fwd)
26.70
EPS (TTM)
$4.06
EPS (Fwd)
$6.54
ROE
92.0%
ROA
47.5%
Cash
$120.4M
Total Debt
$145.2M
Free CF
$72.5M
52W Change
24.2%
Annual Financials
Cash vs Debt
Sezzle Inc. carries $145.2M in total debt against $120.4M in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. Annual free cash flow of $72.5M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. Return on equity stands at 92.0%, which is exceptionally high for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. Return on assets of 47.5% further supports the picture of efficient asset utilization. Revenue has grown from $125.6M (2022) to $450.3M (2025), reflecting a 259% increase over the period.
With a beta above 1.5, SEZL tends to amplify broader market moves — both up and down. This higher volatility means larger price swings are common. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Sezzle Inc. and its sector.