Sezzle Inc.
Sezzle Inc.
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Assets Current | |||||||||||||||||
Cash And Cash Equivalents At Carrying Value | 80 | 120 | 64 | 104 | 89 | 89 | 73 | 80 | 58 | 78 | 68 | 65 | |||||
Restricted Cash Current | 5 | 5 | 8 | 11 | 11 | 15 | 5 | 7 | 5 | 4 | 3 | 2 | |||||
Notes Receivable Gross | - | - | - | - | - | - | - | - | - | - | - | 111 | |||||
Financing Receivable Allowance For Credit Losses | - | - | - | - | - | - | - | - | - | - | - | -9 | |||||
Notes Receivable Net | - | - | - | - | - | - | - | - | - | - | - | 103 | |||||
Financing Receivable Excluding Accrued Interest Be… | - | 283 | 283 | 218 | 209 | 167 | 191 | 151 | 131 | 113 | 143 | - | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | -20 | -29 | -34 | -24 | -21 | -26 | -19 | -12 | -9 | -12 | - | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 263 | 255 | 184 | 185 | 147 | 165 | 133 | 119 | 103 | 131 | - | |||||
Other Receivables Net Current | - | - | 6 | 7 | 4 | 3 | 4 | 4 | 1 | 1 | 2 | 2 | |||||
Prepaid Expense And Other Assets Current | - | - | 18 | 23 | 23 | 12 | 11 | 9 | 7 | 5 | 6 | 5 | |||||
Other Assets Current | 35 | 23 | - | - | - | - | - | - | - | - | - | - | |||||
Assets Current | 408 | 411 | 352 | 329 | 312 | 266 | 258 | 232 | 190 | 192 | 209 | 176 | |||||
Assets Noncurrent | |||||||||||||||||
Finite Lived Intangible Assets Net | - | 4 | 3 | 3 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Property Plant And Equipment Net | - | - | - | - | - | - | - | - | - | - | - | 0 | |||||
Operating Lease Right Of Use Asset | - | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Restricted Cash Noncurrent | 28 | 22 | 30 | 20 | 20 | 17 | 20 | 1 | 1 | 1 | 0 | 0 | |||||
Deferred Income Tax Assets Net | 15 | 16 | 14 | 13 | 14 | 12 | 17 | 16 | 18 | - | 0 | - | |||||
Other Assets Noncurrent | 6 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | |||||
Assets | 456 | 454 | 400 | 367 | 351 | 298 | 298 | 253 | 212 | 196 | 213 | 180 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities Current | |||||||||||||||||
Accounts Payable Current | 58 | 58 | 56 | 58 | 60 | 65 | 69 | 70 | 71 | 74 | 74 | 68 | |||||
Operating Lease Liability Current | - | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 0 | |||||
Other Liabilities Current | 6 | 22 | 7 | 6 | 3 | 10 | 7 | 10 | 8 | 6 | 5 | 5 | |||||
Contract With Customer Liability Current | 7 | 6 | 5 | 5 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 2 | |||||
Accrued Liabilities Current | 30 | 27 | 21 | 25 | 21 | 22 | 25 | 11 | 8 | 10 | 11 | 8 | |||||
Lines Of Credit Current | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 94 | - | |||||
Liabilities Current | 102 | 113 | 90 | 94 | 89 | 102 | 106 | 97 | 92 | 93 | 187 | 83 | |||||
Liabilities Noncurrent | |||||||||||||||||
Operating Lease Liability Noncurrent | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Long Term Line Of Credit | 122 | 144 | 140 | 117 | 131 | 70 | 104 | 94 | 69 | 71 | 0 | 75 | |||||
Other Long Term Debt Noncurrent | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Other Liabilities Noncurrent | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 2 | |||||
Liabilities | 223 | 258 | 230 | 212 | 220 | 172 | 211 | 192 | 162 | 166 | 191 | 162 | |||||
Stockholders Equity | |||||||||||||||||
Common Stock Value | 197 | 194 | 195 | 196 | 194 | 193 | 189 | 0 | 0 | 0 | 0 | 0 | |||||
Stockholders Equity Note Subscriptions Receivable | - | - | - | - | -0 | - | - | - | - | -0 | - | - | |||||
Treasury Stock Common Value | -29 | -25 | -24 | -20 | -17 | -12 | -9 | -8 | -7 | -6 | -6 | -6 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -1 | -1 | -1 | -1 | -1 | -1 | -2 | -1 | -1 | -1 | -1 | -1 | |||||
Retained Earnings Accumulated Deficit | 66 | 28 | -0 | -19 | -46 | -54 | -90 | -115 | -126 | -150 | -158 | -160 | |||||
Stockholders Equity | 233 | 197 | 170 | 155 | 130 | 126 | 88 | 61 | 50 | 30 | 22 | 18 | |||||
Additional Paid In Capital | - | - | - | - | - | - | 189 | 185 | 184 | 186 | 186 | 185 | |||||
Liabilities And Stockholders Equity | 456 | 454 | 400 | 367 | 351 | 298 | 298 | 253 | 212 | 196 | 213 | 180 | |||||
Common Stock Shares Subscribed But Unissued | - | - | - | - | 0 | - | - | - | - | 0 | - | - | |||||
Variable Interest Entity Primary Beneficiary | - | 40 | 26 | 1 | 2 | 7 | 31 | - | - | - | 3 | - | |||||
Deferred Tax Assets Valuation Allowance | - | - | 0 | 4 | 4 | 4 | 4 | 8 | 10 | - | 32 | - | |||||
Deferred Finance Costs Current Net | - | - | - | 1 | 1 | 1 | - | 1 | 1 | 1 | 1 | - | |||||
Deferred Finance Costs Noncurrent Net | - | 1 | 1 | - | - | - | 1 | 1 | 1 | 1 | - | 1 | |||||
Common Stock Par Or Stated Value Per Share | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 750 | 750 | 750 | 750 | 750 | 750 | 750 | 750 | 750 | 750 | 750 | 750 | |||||
Common Stock Shares Issued | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 34 | 34 | 35 | 35 | 35 | |||||
Shares Outstanding | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 33 | 34 | 34 | 34 | 34 | |||||
Treasury Stock Common Shares | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 1 | 1 | |||||
Stockholders Equity Note Stock Split Conversion Ra… | - | - | - | - | - | 0 | - | - | - | - | - | - | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 18.36% | 70.87% | 54.17% | - | - | - | - | - | - | - | - | - |
| 2025 | 42.32% | 120.59% | 98.65% | 3.38% | -8.00% | -15.90% | 6.48% | 21.57% | 16.57% | -21.90% | -4.71% | 16.43% |
| 2024 | 2.02% | 12.25% | 8.45% | 27.92% | 62.38% | 99.96% | -1.73% | -38.57% | -45.52% | -17.54% | -6.05% | 96.67% |
| 2023 | - | - | - | - | - | - | 3.75% | 63.33% | 253.33% | 60.07% | 19.25% | 42.79% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Liquidity Ratios | |||||||||||||||||
| Current Ratio | 4.02 | 3.65 | 3.92 | 3.52 | 3.51 | 2.62 | 2.44 | 2.40 | 2.07 | 2.06 | 1.12 | 2.11 | |||||
| Quick Ratio | 4.02 | 3.65 | 3.72 | 3.27 | 3.25 | 2.50 | 2.33 | 2.31 | 2.00 | 2.00 | 1.08 | 2.05 | |||||
| Working Capital | 306.70M | 298.59M | 262.10M | 235.79M | 222.66M | 164.35M | 151.94M | 135.55M | 98.52M | 98.74M | 21.78M | 92.76M | |||||
Leverage & Debt | |||||||||||||||||
| Debt to Equity | 0.96 | 1.31 | 1.36 | 1.36 | 1.69 | 1.37 | 2.40 | 3.14 | 3.22 | 5.61 | 8.62 | 9.01 | |||||
| Interest Coverage TTM | 15.49 | 13.87 | 12.61 | 11.06 | 10.44 | 9.39 | 5.98 | 3.98 | 2.78 | 1.84 | 1.39 | 1.32 | |||||
| Debt Ratio | 0.49 | 0.57 | 0.58 | 0.58 | 0.63 | 0.58 | 0.71 | 0.76 | 0.76 | 0.85 | 0.90 | 0.90 | |||||
Efficiency & Turnover | |||||||||||||||||
| Asset Turnover TTM | 1.32 | 1.28 | 1.29 | 1.35 | 1.32 | 1.33 | 1.06 | 1.03 | 1.05 | 0.98 | 0.83 | 0.88 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 4.65 | 4.24 | 3.72 | 3.25 | 2.95 | 2.95 | 2.19 | 1.58 | 1.16 | 0.37 | 0.21 | 0.14 | |||||
| Free Cash Flow Per Share TTM | 7.09 | 7.27 | 6.17 | 2.74 | 3.53 | 4.27 | 3.87 | 0.75 | 0.18 | 0.50 | -0.77 | -0.28 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 89.19% | 88.68% | 87.82% | 86.71% | 85.28% | 83.05% | 86.48% | 92.08% | 100.00% | 109.71% | 110.02% | 109.80% | |||||
| Operating Profit Margin TTM | 40.39% | 40.74% | 39.26% | 36.41% | 37.03% | 35.95% | 30.33% | 26.62% | 22.60% | 17.83% | 13.93% | 12.96% | |||||
| Net Profit Margin TTM | 30.35% | 30.83% | 29.57% | 27.66% | 28.13% | 32.42% | 28.96% | 25.29% | 21.77% | 7.79% | 4.45% | 3.22% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 43.06% | 46.14% | 66.08% | 88.74% | 92.95% | 91.69% | 70.14% | 49.13% | 39.33% | 29.45% | 26.91% | 1.69% | |||||
| Net Income Growth (1Y) | 54.36% | 38.99% | 69.54% | 106.45% | 149.34% | 697.27% | 1,006.25% | 1,070.33% | 434.77% | -259.66% | -118.63% | -106.31% | |||||
| EPS Growth (1Y) | 54.82% | 39.35% | 68.55% | 101.74% | 151.03% | 699.84% | 1,003.81% | 1,096.10% | 427.16% | -254.60% | -118.09% | -106.08% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 35.76 | 14.41 | 16.17 | 23.38 | 57.82 | 11.07 | 18.30 | 16.86 | 11.91 | 35.74 | 16.21 | 15.51 | |||||
| P/B TTM | 24.78 | 10.86 | 12.68 | 17.44 | 46.37 | 9.39 | 16.36 | 15.47 | 9.93 | 16.15 | 5.21 | 4.14 | |||||
| P/S TTM | 10.85 | 4.44 | 4.78 | 6.47 | 16.26 | 3.59 | 5.30 | 4.26 | 2.59 | 2.79 | 0.72 | 0.50 | |||||
| Market Cap | 5.77B | 2.14B | 2.15B | 2.71B | 6.05B | 1.18B | 1.44B | 945.98M | 499.34M | 478.23M | 115.04M | 74.36M | |||||
| Enterprise Value | 5.66B | 1.99B | 2.05B | 2.57B | 5.93B | 1.06B | 1.34B | 857.64M | 435.35M | 396.04M | 138.72M | 7.54M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 238.43M | 245.43M | 209.25M | 93.26M | 119.04M | 144.42M | 130.58M | 24.85M | 5.97M | 16.92M | -25.82M | -9.37M | |||||
| Net Debt | -112.05M | -147.39M | -102.60M | -134.66M | -119.97M | -120.87M | -98.31M | -88.34M | -63.99M | -82.19M | 23.68M | -66.81M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| EV Revenue TTM | |||||||||||||||||
| EV FCF TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Institutional Ownership
Sezzle Inc. (SEZL) — SEC Financial Statements & Analysis
Sezzle Inc. (SEZL) is a services-business services, nec company, incorporated in DE. Sezzle Inc. trades on Nasdaq as: SEZL. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Sezzle Inc. reported a 43.06% year-over-year revenue growth, a Gross Profit Margin of 89.19% (TTM), a Debt-to-Equity ratio of 0.96x, a Price-to-Sales (P/S) ratio of 10.85x (TTM), a Price-to-Book (P/B) ratio of 24.78x (TTM), at a market cap of $5.77B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 43.06%
- Gross Profit Margin TTM
- 89.19%
- Debt To Equity
- 0.96x
- P/S TTM
- 10.85x
- P/B TTM
- 24.78x
- Market Cap
- $5.77B
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Sezzle Inc. in?
Sezzle Inc. (SEZL) operates in the Services-Business Services, NEC industry.
What is SEZL's market cap?
Sezzle Inc. (SEZL) has a market capitalization of $5.77B as of 2026-06-30.
What is SEZL's P/E ratio?
Sezzle Inc. (SEZL)'s trailing twelve month P/E ratio is 35.76x as of 2026-06-30.
What exchange does SEZL trade on?
Sezzle Inc. (SEZL) trades on the Nasdaq.
Where is Sezzle Inc. incorporated?
Sezzle Inc. is incorporated in DE.