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Sezzle Inc.
Nasdaq · CIK 1662991
Last close107.41
Daily change-2.30 (-2.10%)
10 Years gain+694.84%
Dividends TTM0
Dividend yield0.00%
Fundamental Analysis
SEZL · STANDARD
SIC 7389 · Services-Business Services, NEC · Fiscal year end 1231
Fundamental
85.7Momentum
51.3Acceleration
30.8Confidence
86.0Annual Revenue6
Quarterly Revenue23
Annual CFO6
Balance SheetAvailable
RankingEligible
Score Breakdown
Growth25.0 / 25
Quality20.7 / 25
Capital Efficiency20.0 / 20
Balance Sheet15.0 / 15
Shareholder Economics0.0 / 10
Forward Indicators5.0 / 5
Signals
Operating leverageOperating margin improved by 0.2527 percentage points.
Share count reductionDiluted share count declined 4.0004%.
Strong operating leverageOperating income is growing faster than revenue while operating margin expands.
Warnings
ROIC declining · MEDIUMROIC declined by 117.6309 percentage points.
Key Metrics
Revenue Growth TTM64.8%OK
Revenue CAGR 3Y170.19%OK
Gross Marginn/aMISSING
Operating Margin73.14%OK
FCF Marginn/aMISSING
FCF Growthn/aINSUFFICIENT_HISTORY
ROIC165.52%OK
Incremental Operating Margin 3Y70.59%OK
Net Debt / CFOn/aNOT_MEANINGFUL
Diluted Share Growth 1Y-4%OK
SBC / Revenuen/aMISSING
SBC / FCFn/aNOT_MEANINGFUL
Financial History
| Period | Revenue | Gross Profit | Operating Income | CFO | FCF | Gross Margin | Op Margin | FCF Margin | ROIC | Shares |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025 FY Dec 31, 2025 | $235.88M | n/a | $176.79M | $209.91M | $209.25M | n/a | 74.95% | 88.71% | 240% | 35.74M |
| 2025 FY Dec 31, 2024 | $139.40M | n/a | $82.25M | $130.65M | $130.58M | n/a | 59% | 93.67% | n/a | 35.89M |
| 2024 FY Dec 31, 2023 | $60.63M | n/a | $22.20M | -$25.69M | -$25.77M | n/a | 36.62% | -42.51% | n/a | 5.68M |
| 2023 FY Dec 31, 2022 | $11.96M | n/a | -$28.43M | $8.51M | $8.46M | n/a | -237.77% | 70.74% | n/a | 5.44M |
| 2022 FY Dec 31, 2021 | $114.82M | n/a | -$68.68M | -$72.13M | -$72.82M | n/a | -59.82% | -63.42% | n/a | 200.34M |
Formula Trace
| Metric | Value | Formula | Status | Source |
|---|---|---|---|---|
| Revenue TTM | $267.50M | sum latest 4 fiscal quarters Revenue | OK | 0001662991-26-000126, 0001662991-25-000257 |
| Revenue Growth TTM | 64.8% | Revenue_TTM / Revenue_TTM_1Y_ago - 1 | OK | 0001662991-26-000126, 0001662991-25-000257 |
| Revenue CAGR 3Y | 170.19% | (Revenue_current / Revenue_3Y_ago)^(1/3) - 1 | OK | 0001662991-26-000016 |
| Revenue CAGR 5Y | 32.03% | (Revenue_current / Revenue_5Y_ago)^(1/5) - 1 | OK | 0001662991-26-000016 |
| Gross Profit CAGR 3Y | n/a | (GrossProfit_current / GrossProfit_3Y_ago)^(1/3) - 1 | INSUFFICIENT_HISTORY | derived |
| Operating Income Growth | 65.37% | OperatingIncome_current / OperatingIncome_prior_year - 1 | OK | 0001662991-26-000126, 0001662991-25-000257 |
| FCF Growth | n/a | FCF_current / FCF_prior_year - 1 | INSUFFICIENT_HISTORY | derived |
| Revenue Growth Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Gross Profit Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Operating Income Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| FCF Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Operating Margin | 73.14% | Operating Income / Revenue | OK | 0001662991-26-000126, 0001662991-25-000257 |
| ROIC | 165.52% | NOPAT / Average Invested Capital | OK | 0001662991-26-000126, 0001662991-25-000257 |
| Net Debt / CFO | n/a | Net Debt / CFO | NOT_MEANINGFUL | 0001662991-26-000126 |
| Current Ratio | 4.02x | Current Assets / Current Liabilities | OK | derived |
| Revenue per Diluted Share | $7.70 | Revenue / Diluted Shares | OK | 0001662991-26-000126, 0001662991-25-000257 |
| SBC / FCF | n/a | SBC / FCF | NOT_MEANINGFUL | derived |
| Dividend Payout Ratio | n/a | Cash dividends paid / Net income | NOT_MEANINGFUL | 0001662991-26-000016 |