Sezzle Inc. (SEZL) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Sezzle Inc. stock $68.62, price $149, that is 54.1% below the price, quality 83 out of 100. Rating: strongly overvalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
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Sezzle Inc.
SEZL · USOur calculation puts a fair price 54% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
39‑month range $1.36 – $188.55 · fair‑value band $34.74 – $112.93 · the $149.43 price screens above the $68.62 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada.
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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.
Stock analysis
Sezzle Inc. (SEZL) currently trades at $149.43, while our model-based Fair Value estimate is $68.62, 54% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of $111.54 per share, and 0 of the 11 models we run sit above the $149.43 price.
Bear case: the Economic Profit group reads lowest at $17.91, and 11 of the 11 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $34.74 (bear) to $112.93 (bull), the price of $149.43 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 83/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Sezzle Inc. reported revenue of A$450M in FY2025 versus A$115M in FY2021, a compound +40.7%/yr. Reported net income was A$133M in FY2025.
Key figures
Market cap $5.2B Mid · P/E ratio 29.8 · P/S ratio 8.95 · EPS (TTM) $5.01 · Net margin 31.4% · Return on equity 84.3% · Return on assets (EBIT) 7.0% (5-year average) · Operating margin 38.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 93 out of 100 (low confidence).
What moves the price
The share trades about 21% below its 52-week high and 193% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at −54%, SEZL screens richer than that median.
Fair Value models
All 11 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 2 officers or directors bought shares worth $43,966, most recently on Sep 18, 2026. Over the same period, 5 people sold shares worth $19.3M. Buying cluster
- BuyBryan Cecil HuntDirector250 shares at $115.86$28,965Sep 18, 2026
- SaleKyle M. BrehmDirector2× since Jan 5, 2026: 1,001 shares, avg. $125.86$125,986Aug 27, 2026
- BuyRajeev KhuranaGeneral Counsel129 shares at $115.88$15,001Aug 20, 2026
- SaleLee Dickson BradingChief Financial Officer6× since Mar 3, 2026: 35,594 shares, avg. $172.62$6.1MJul 16, 2026
- SalePaul ParadisDirector & President, Director7× since Feb 26, 2026: 129,834 shares, avg. $128.35$16.7MJul 16, 2026
- SaleAmin SabzivandChief Operating Officer2× since Mar 3, 2026: 12,048 shares, avg. $133.81$1.6MJul 1, 2026
- SaleJustin KrauseSVP FINANCE AND CONTROLLER3× since Mar 3, 2026: 16,404 shares, avg. $105.64$1.7MMay 27, 2026
- SaleKerissa HollisGeneral Counsel and Secretary233 shares at $71.38$16,632Mar 3, 2026
- SaleCharles YouakimExecutive Chairman and CEO, Director, 10% owner7,185 shares at $71.38$512,881Mar 3, 2026
- BuyKyle M. BrehmDirector1,217 shares at $57.50$69,978Nov 12, 2025
Plus 19 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
Growth Forecast
SEZL screens overvalued: fair value 54% below the price. Compare with Visa Inc →
Recent news
- Sezzle Inc (SEZL) (Q3 2026) Earnings Call Highlights: Revenue Surges 42. ...
- Sezzle Has the Sizzle. How the Stock Can Surge Another 61%.
- Sezzle (SEZL) Jumped, But What Is Driving Attention Now?
- Sezzle Stock Gains Attention After Earnings Beat And Higher Full Year Guidance
Compare Sezzle Inc. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Valuation Multiplesvs Credit Services median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Revenue growth by industry
- PEG ratio by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Synchrony Financial, SYF | $73.74 | $141.92 | +92% | vs SEZL |
| PayPal Holdings PYPL | $59.24 | $107.45 | +81% | vs SEZL |
| Shriram Finance Limited SHRIRAMFIN | ₹961.15 | ₹1,309 | +36% | vs SEZL |
| Affirm Holdings AFRM | $68.11 | $76.63 | +13% | vs SEZL |
| Bajaj Finance Limited BAJFINANCE | ₹1,088 | ₹1,055 | −3% | vs SEZL |
| American Express Company AXP | $320.99 | $210.02 | −35% | vs SEZL |
| Visa Inc V | $422.65 | $242.87 | −43% | vs SEZL |
| Mastercard Incorporated MA | $652.70 | $360.13 | −45% | vs SEZL |
| Capital One Financial Corporation COF | $201.87 | $106.81 | −47% | vs SEZL |
| SoFi Technologies, Inc SOFI | $16.21 | $5.51 | −66% | vs SEZL |
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Key figures of Sezzle Inc.
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