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Sezzle Inc. key statistics and ratios

In fiscal 2025, Sezzle Inc. had return on equity of 103.3%, an operating margin of 39.3%, debt equal to 82.4% of equity and a current ratio of 3.92. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Operating margin−47.5%−59.8%−22.6%13.9%30.3%39.3%40.4%
Net margin−55.1%−65.5%−30.3%4.5%29.0%29.6%30.4%
Free-cash-flow margin−42.9%−63.4%6.7%−16.2%48.2%46.5%51.6%
Return on equity−54.0%−153.8%−163.4%45.9%142.9%103.3%80.2%
Return on assets−18.6%−37.8%−19.2%3.7%30.7%38.1%37.7%
Asset turnover0.340.580.630.831.061.291.24
Current ratio2.532.061.721.122.443.924.02
Debt to equity66.4%205.6%721.2%428.3%118.4%82.4%52.2%
Interest cover (operating income ÷ interest)n/mn/mn/m1.4x6.0x12.6x15.5x
Effective tax rate———7.9%−16.6%18.3%19.7%
SG&A as % of revenue12.3%13.7%13.1%5.4%4.2%——
Capital spending as % of revenue0.7%0.6%0.0%0.1%0.0%0.1%0.2%
Free cash flow ÷ net income———−363.1%166.3%157.2%170.1%
Dividends and buybacks ÷ free cash flow——4.5%—18.1%30.9%24.3%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Financial health

3 of 3 checks passed · June 30, 2026
What it owns · $456m
Short-term assets $408mLonger-term assets $48m
What it owes, and who funded it · $456m
Short-term liabilities $102mLonger-term liabilities $122mShareholders' equity $233m
  • Short-term assets cover short-term liabilities $408m of assets due within a year against $102m of liabilities due within a year.
  • Short-term assets cover long-term liabilities $408m short-term assets against $122m of longer-dated liabilities.
  • More cash than debt Cash or debt not separately reported. Not assessable.
  • Debt below 40% of shareholders' equity Equity or debt not reported. Not assessable.
  • Debt burden no higher than five years ago Five-year comparison not available. Not assessable.
  • A year's operating cash flow covers at least 20% of debt Cash flow or debt not reported. Not assessable.
  • Operating profit covers interest at least five times over Operating income of $215m against $14m of interest.

From Sezzle Inc.'s latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Moat

52 /100

Moderate moat

How hard Sezzle's competitive advantage looks for rivals to wear away, judged from 6 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 20 / 20

    Net income has been a median 12.4% of total assets over 6 years.

  • Durability 6 / 20

    Operating margin has been a median 18.7%; its worst year was -69.1%.

  • Cash conversion 9 / 20

    Free cash flow was positive in 4 of 6 years, at a median 4.3% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (57 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: IMXI vs SEZLPMTS vs SEZLMQ vs SEZLRSKD vs SEZL

More: Transaction & Payment Processing Services stocks compared, Financials sector, rankings of US companies

Figures from Sezzle Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Sezzle Inc.