Sezzle Inc. (SEZL) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Sezzle Inc. $85.32, price $107, upside -20.2%, quality 74 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Sezzle Inc.
SEZL · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
37‑month range $1.36 – $1,000,000 · fair‑value band $43.20 – $165.46 · the $106.89 price screens above the $85.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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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.
Stock analysis
Sezzle Inc. (SEZL) currently trades at $106.89, while our model-based Fair Value estimate is $85.32, implying the stock looks roughly 25.3% overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of $138.57 per share, and 6 of the 11 models we run sit above the $106.89 price.
Bear case: the Economic Profit group reads lowest at $52.21, and 5 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: $43.20 (bear) to $165.46 (bull), the price of $106.89 sits inside 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 74/100 (solid 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 $450M in FY2025 versus $115M in FY2021, a compound +40.7%/yr. Reported net income was $133M in FY2025.
Key figures
Market cap $5.9B · P/E ratio 25.5 · P/S ratio 7.52 · EPS (TTM) $4.20 · Net margin 29.6% · Return on equity 92.0% · Return on assets (EBIT) 7.0% · Operating margin 61.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).
What moves the price
The share trades about 43% below its 52-week high and 110% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −20%, SEZL screens cheaper than that median.
Fair Value models
All 11 models by family
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Set up alert →Quality Score breakdown
Of which business quality 71 · Market factors (momentum, volatility) 36
Revenue & earnings trend
Growth Forecast
SEZL screens 25% overvalued. Compare with Visa Inc →
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 · 330 stocks
Valuation Multiplesvs Credit Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- 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 |
|---|---|---|---|
| Visa Inc V | $362.04 | $227.35 | −37% |
| Mastercard Incorporated MA | $555.89 | $356.78 | −36% |
| American Express Company AXP | $305.07 | $206.40 | −32% |
| Capital One Financial Corporation COF | $200.55 | $125.36 | −37% |
| Bajaj Finance Limited BAJFINANCE | ₹1,043 | ₹1,101 | +6% |
| PayPal Holdings PYPL | $52.89 | $99.46 | +88% |
| Affirm Holdings AFRM | $71.77 | $16.24 | −77% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,011 | ₹1,374 | +36% |
| Synchrony Financial, SYF | $72.67 | $137.28 | +89% |
| SoFi Technologies, Inc SOFI | $17.16 | $5.57 | −68% |
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Key figures of Sezzle Inc.
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