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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2790
Positioning
Market Dominance
Services
Business Services
$2.7B
N/A
Sezzle Inc. operates as a technology-enabled payments company in United States, Canada, India, and Europe. The company provides a payments platform that facilitates payments between 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. The company offers its payment solution to online stores, as well as brick-and-mortar retailers. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.
Headcount
540
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = SEZL ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$YALA Yalla Group Ltd | 75 | 89 | 99 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GRVY GRAVITY Co., Ltd. | 75 | 82 | 96 | 71 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$ISSC INNOVATIVE SOLUTIONS & SUPPORT INC | 73 | 81 | 88 | 94 | 25.0x | 14.1x | 17.1% | 10.3% | 35.5% | 14.6% | 10.1% | 105.2% | 0.0% | 41.0x | $244M | VS | |
$AER AerCap Holdings N.V. | 72 | 60 | 87 | 84 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$HCSG HEALTHCARE SERVICES GROUP INC | 72 | 74 | 88 | 88 | 7.1x | 6.1x | 28.9% | 20.8% | 20.8% | 9.9% | 9.3% | 8.5% | 0.0% | 1.0x | $1.2B | VS | |
$LQDT LIQUIDITY SERVICES INC | 72 | 90 | 88 | 68 | 24.9x | 14.3x | 14.1% | 8.3% | 45.7% | 8.5% | 6.2% | 28.1% | 0.0% | 0.0x | $736M | VS | |
$TRTNpA Triton International Ltd | 71 | 70 | 89 | 70 | - | 1.7x | 0.0% | - | 97.4% | 58.0% | 37.4% | - | 8.8% | 264.0x | $2.5B | VS | |
$EDU New Oriental Education & Technology Group Inc. | 71 | 83 | 52 | 77 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NTES NetEase, Inc. | 71 | 88 | 93 | 68 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UTI UNIVERSAL TECHNICAL INSTITUTE INC | 70 | 86 | 86 | 72 | 43.2x | 16.0x | 15.3% | 5.8% | 100.0% | 6.9% | 5.2% | 15.1% | 0.0% | 24.0x | $1.8B | VS | |
$SEZL Sezzle Inc. | 45 | 76 | 56 | 29 | 20.2x | 15.1x | 68.2% | 28.8% | 88.0% | 36.1% | 26.8% | 108.7% | 0.0% | 136.0x | $2.7B | ||
| SECTOR BENCH | - | - | - | - | - | 23.7x | 11.7x | 5.7% | 2.4% | 64.6% | 4.5% | 2.8% | 8.6% | 0.0% | 0.3x | - | REF |
Sezzle Inc. (SEZL) receives a "Reduce" rating with a composite score of 45.1/100. It ranks #2790 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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HQ Base
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Lagging peers — losers tend to keep underperforming
Fair valuation relative to peers
High profitability & efficiency — strong quality floor supports entry
High volatility — wider range of outcomes increases timing risk
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Services sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for SEZL.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 76 | 90 | -14DRAG |
| MOMENTUM | 29 | 23 | +6ALPHA |
| VALUATION | 56 | 61 | -5NEUTRAL |
| INVESTMENT | 20 | 4 | +16ALPHA |
| STABILITY | 16 | 8 | +8ALPHA |
| SHORT INT | 44 | 40 | +4NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 227.8% vs WACC 9.4% (spread +218.4%)
GM 88% vs sector 65%, OM 36% vs sector 5%
Capital turnover 8.87x
Rev growth 109%, 5yr history
Interest coverage 9.1x, Net debt/EBITDA 0.4x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Sezzle Inc. (SEZL) as a Reduce with a composite score of 45.1/100 at a current price of $60.48. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
Sezzle Inc. holds a top-quartile position (#0 of 50) within the Services sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 45.1/100 places it at rank #2790 in our full universe.
Wide
Very High
Standard
Fair Value
Gross margins of 88% signal strong pricing power.
Returns on equity of 68.2% exceed cost of capital.
Stable competitive position in a defensive sector.
Leverage of 136% D/E amplifies downside risk.
Weak momentum suggests persistent institutional selling pressure.
Vulnerability to macroeconomic shocks and interest rate volatility.
Sezzle Inc. represents a reduce based on multi-factor quantitative performance.
Sezzle Inc. receives a Reduce rating from our analysis, with a composite score of 45.1/100 and 2 out of 5 stars, ranking #2790 out of 7,333 stocks. SEZL's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
SEZL earns a quality score of 76/100, indicating above-average business quality. The company reports a return on equity of 68.2% (sector avg: 5.7%), gross margins of 88.0% (sector avg: 64.6%), net margins of 26.8% (sector avg: 2.8%). Companies in this tier generally demonstrate consistent profitability and efficient capital deployment, though they may face some competitive pressure.
SEZL's value score of 56/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 20.24x, an EV/EBITDA of 15.05x, a P/B ratio of 13.80x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
Sezzle Inc.'s investment score of 20/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 108.7% vs. a sector average of 8.6% and a return on assets of 28.8% (sector: 2.4%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
Sezzle Inc. is experiencing notably weak momentum with a score of just 29/100. The stock has underperformed its peers and is trending below major moving averages. Revenue growth stands at 108.7% year-over-year, while a beta of 2.42 reflects its sensitivity to broader market moves. While deep momentum weakness can occasionally present value opportunities, it often reflects deteriorating fundamentals or structural headwinds that may persist.
Sezzle Inc. registers a low stability score of 16/100, indicating high volatility and potentially stressed financial conditions. Key stability metrics include a beta of 2.42 and a debt-to-equity ratio of 136.00x (sector avg: 0.3x). Stocks at this level carry elevated capital loss risk and may be unsuitable for conservative portfolios without careful risk management.
The short interest score of 44/100 for SEZL suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include high market sensitivity (beta: 2.42), elevated leverage (D/E: 136.00x). With a $2.7B market cap (mid-cap), Sezzle Inc. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
Sezzle Inc. is a mid-cap company in the Services sector, ranked #0 of 50 in its sector (100th percentile) and #2790 of 7,333 overall (62nd percentile). Key comparisons include ROE of 68.2% exceeding the 5.7% sector median and operating margins of 36.1% above the 4.5% sector average. This top-quartile standing reflects exceptional competitive strength relative to Services peers.
While SEZL currently exhibits a REDUCE profile, superior opportunities exist within the SERVICES sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Services Alpha →Quant Factor Profile
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Improvement in Stability (16) would have the largest impact on the composite score.
EV/EBITDA 28% ABOVE SECTOR MEDIAN
ROE 1088% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 36% ABOVE SECTOR MEDIAN (FAVORABLE)
Above 50MA
37.18%
Net New Highs
+51081
Affirm's stock jumped 11.8% on Tuesday, driven by a weak jobs report and positive comments from its CFO about steady business performance and renewed Amazon partnership.
Buy-now-pay-later service Sezzle (NASDAQCM:SEZL) will be reporting earnings this Wednesday after market close. Here’s what to expect.
Sezzle, ticker NasdaqCM:SEZL, has launched Sezzle Mobile, an unlimited phone plan integrated directly into its platform. The move extends Sezzle's offering beyond Buy Now, Pay Later services into mobile connectivity. Sezzle built its brand around installment payments for online and in store purchases, and now it is pushing into everyday services with Sezzle Mobile. For a company rooted in fintech, adding an unlimited phone plan inside the same app positions it more as a daily utility for...
The article recommends two financial stocks for 2026: Sezzle, a buy-now-pay-later (BNPL) provider with strong revenue growth (67% YoY) and best-in-class profit margins (22.8%), and Robinhood Markets, a fintech brokerage with explosive growth across crypto trading (300% YoY), stock/options trading, and net interest revenue (66% YoY). Both companies are positioned to capitalize on the growing fintech sector.
Klarna Group, a Swedish buy-now-pay-later (BNPL) fintech, is presented as an attractive investment opportunity despite being down over 30% since its September IPO. The company added 27 million new users in Q3, achieved 28% year-over-year revenue growth, and its Klarna Card product reached 4 million sign-ups in four months. With a 99% repayment rate and over 850,000 retailers accepting BNPL payments, the article argues Klarna is well-positioned for growth in 2026, countering concerns about BNPL industry sustainability.