Sezzle Inc. Common Stock (SEZL)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for businesses that earn high returns on capital and can be bought at a sensible price. Sezzle is a technology-enabled payments company that extends credit at the point of sale, mainly through its Pay-in-Four product. The filed results show rapid growth: in FY2025, revenue was $235.9M versus $139.4M in FY2024, and net income was $133.1M versus $78.5M. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $84.7M and net income was $40.8M, with diluted EPS of $1.17. FairStock's calculations show an 88.85% return on equity, a 48.79% return on capital employed, and a Piotroski F-Score of 7/9. Free cash flow is $271.9M on a trailing basis, a 6.2% FCF yield. That is a profitable, cash-generative operation.

In plain English: Sezzle helps shoppers split purchases into four payments, and it earns money from that service. The company is growing fast and is profitable, with strong returns on the money it uses. But the stock price looks expensive compared with its profits and the value of its business on the books.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer