US · SEZL
Sezzle Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Minneapolis, MN 55402
- Website
- sezzle.com
Price · as of 2025-12-31
$85.46
Market cap 2.49B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $108.49 | +26.95% |
| Intrinsic Value(DCF) | $1,121.32 | +1,212.1% |
| Graham-Dodd Method(GD) | $24.64 | -71.17% |
| Graham Formula(GF) | $279.77 | +227.37% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | $0.00 | $0.00 | |||
| 2019 | |||||
| 2020 | $0.00 | ||||
| 2021 | $0.00 | $0.00 | |||
| 2022 | $0.00 | $0.00 | |||
| 2023 | $10.12 | $192.41 | $635.20 | $1.69 | $7.07 |
| 2024 | $38.94 | $142.12 | $2,869.14 | $13.39 | $164.73 |
| 2025 | $75.80 | $108.49 | $8,078.40 | $24.64 | $279.77 |
AI valuation
Our deep-learning model estimates Sezzle Inc.'s (SEZL) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $108.49
- Current price
- $85.46
- AI upside
- +26.95%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$1,121.32
+1,212.1% upside
Graham-Dodd
$24.64
-71.17% upside
Graham Formula
$279.77
+227.37% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SEZL | Sezzle Inc. | $85.46 | 2.49B | +27% | +1,212% | -71% | +227% | 19.31 | 15.14 | 5.71 | 14.86 | 27.64 | 15.44 | 85.35% | 39.26% | 29.57% | 103.34% | 78.96% | 38.11% | 0.83 | 12.61 | 3.92 | 3.55 | 0.43 | 6986.00% | 6608.00% | 42835.00% | 8.11% | 2.34 | 113.87% | 0.00% | 0.00% | 2.52% | 14.97 | 12.70 | 5.88 | 10.06 |
| BANC | Banc of California, Inc. | $18.47 | 2.87B | +29% | +3% | +2% | -61% | 12.42 | 0.80 | 1.57 | -3.45 | 9.78 | 0.88 | 58.70% | 17.98% | 12.65% | 6.50% | 115.77% | 0.67% | 0.85 | 0.47 | 0.26 | 0.26 | 1.78 | 12692.00% | -331.00% | 57855.00% | 15.35% | 0.02 | 212.21% | 3.65% | 45.30% | 3.78% | -4.21 | -3.14 | -0.76 | -0.60 |
| BFH | Bread Financial Holdings,… | $70.86 | 3.23B | +40% | -4% | +46% | +1% | 6.24 | 0.97 | 0.69 | 5.55 | 6.29 | 1.24 | 63.33% | 13.07% | 11.02% | 16.24% | 11.82% | 2.27% | 1.32 | 0.72 | 0.27 | 0.27 | 1.14 | 9927.00% | -206.00% | 1253.00% | 64.72% | 0.14 | 47.37% | 1.30% | 8.10% | 48.63% | 6.27 | 1.84 | 0.82 | -0.08 |
| CVBF | CVB Financial Corp. | $19.23 | 2.61B | +72% | -10% | -3% | -54% | 12.86 | 1.17 | 4.18 | 3.17 | 231.49 | 1.77 | 79.87% | 43.78% | 32.53% | 9.34% | 13.19% | 1.36% | 0.43 | 2.12 | 0.23 | 0.23 | 3.13 | 556.00% | -233.00% | -2007.00% | 7.26% | 0.02 | 12.32% | 0.00% | 0.00% | 0.00% | 3.17 | 4.56 | 1.39 | -0.48 |
| ENVA | Enova International, Inc. | $139.05 | 3.44B | +195% | +268% | -24% | +132% | 11.37 | 2.62 | 1.11 | 15.09 | 20.35 | 3.33 | 50.13% | 23.46% | 9.78% | 24.34% | 10.78% | 5.26% | 3.41 | 4.36 | 0.23 | 18.26 | 8.48 | 5585.00% | 1858.00% | 1851.00% | 50.55% | 5.95 | 33.60% | 0.00% | 0.00% | 0.00% | 10.81 | 4.51 | 2.54 | 1.67 |
| HCI | HCI Group, Inc. | $176.42 | 2.29B | +13% | +3,630% | +26% | +308% | 6.18 | 1.90 | 2.20 | 0.46 | 3.44 | 1.91 | 73.16% | 47.65% | 33.19% | 42.88% | -55.79% | 13.46% | 0.03 | 46.89 | 145.90 | 145.90 | -2.62 | 17975.00% | 2021.00% | 3560.00% | 22.44% | 34.77 | -77.40% | 0.00% | 0.00% | 42.01% | 0.48 | 0.46 | 0.23 | 2.97 |
| LC | LendingClub Corporation | $14.91 | 1.72B | -39% | +10% | +22% | +77% | 12.79 | 1.16 | 1.30 | -5.36 | 8.22 | 1.22 | 64.71% | 25.00% | 10.17% | 9.55% | -28.35% | 1.22% | 0.00 | 0.99 | — | — | -0.03 | 15556.00% | 1497.00% | 665.00% | -165.19% | — | 317.73% | 0.00% | 0.00% | 0.00% | -5.94 | 0.69 | -1.49 | 0.68 |
| SBCF | Seacoast Banking Corporat… | $31.12 | 3.04B | +47% | +5% | -0% | -20% | 19.51 | 0.92 | 3.25 | -6.34 | 173.15 | 1.55 | 61.57% | 21.45% | 16.66% | 5.53% | -33.73% | 0.80% | 0.44 | 0.66 | 0.40 | 0.40 | 6.19 | 1127.00% | 749.00% | 7584.00% | 10.94% | 0.02 | -71.99% | 0.00% | 0.00% | 0.00% | -6.34 | -3.82 | -1.36 | -0.26 |
| WD | Walker & Dunlop, Inc. | $46.01 | 1.57B | +367% | -9% | — | -38% | -114.32 | 0.92 | 1.29 | 14.83 | — | 2.19 | 61.33% | 17.26% | 4.62% | -0.80% | 4.51% | -0.29% | 1.30 | 38.81 | 0.32 | 0.32 | 8.17 | -4859.00% | 899.00% | -68427.00% | -42.81% | -0.30 | -19.97% | 5.78% | -660.60% | 6.44% | 16.61 | -5.20 | 2.87 | 0.66 |
| WU | The Western Union Company | $9.63 | 3.06B | +183% | -48% | — | -32% | 6.25 | 3.26 | 0.77 | 2.02 | — | -2.09 | 28.70% | 19.41% | 12.36% | 51.86% | 53.28% | 5.99% | 0.00 | 5.48 | 16.52 | 16.52 | -1.32 | -4416.00% | -401.00% | 651.00% | 12.58% | 7.28 | 33.43% | 9.90% | 61.80% | 110.05% | 2.41 | 4.81 | 0.47 | 1.22 |
About Sezzle Inc.
Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company provides payment solution at online stores and various brick-and-mortar retail locations that connects consumers with merchants. Its platform enables customers to make online purchases and split the payment for the purchase in four equal interest free payments over six weeks. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.
- CEO
- Charles G. Youakim
- Employees
- 402
- Beta
- 8.75
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($1,121.32 ÷ $85.46) − 1 = +1,212.1% (DCF, example).