Want to see SEZL full AI Analyst Report?
Sezzle Inc. (SEZL) Ratios
Sezzle Inc. Ratios
SEZL's free cash flow for Q2 2026 was $51.83M. For the 2026 fiscal year, SEZL's free cash flow was decreased by $-414.00K and operating cash flow was $52.25M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 3.92 | 2.44 | 1.12 | 1.72 | 2.06 |
| Quick Ratio | 3.92 | 2.44 | 1.12 | 1.72 | 2.06 |
| Cash Ratio | 0.71 | 0.69 | 0.36 | 0.69 | 0.72 |
| Solvency Ratio | 0.58 | 0.38 | 0.04 | -0.23 | -0.40 |
| Operating Cash Flow Ratio | 2.34 | 0.39 | -0.14 | 0.09 | -0.67 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | -0.27 | 0.00 | 0.00 |
| Net Current Asset Value | $ 121.45M | $ 47.08M | $ 18.49M | $ 6.40M | $ 35.68M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.35 | 0.35 | 0.45 | 0.37 | 0.35 |
| Debt-to-Equity Ratio | 0.83 | 1.19 | 4.33 | 7.25 | 2.07 |
| Debt-to-Capital Ratio | 0.45 | 0.54 | 0.81 | 0.88 | 0.67 |
| Long-Term Debt-to-Capital Ratio | 0.45 | 0.54 | 0.01 | 0.88 | 0.67 |
| Financial Leverage Ratio | 2.36 | 3.40 | 9.62 | 19.52 | 5.91 |
| Debt Service Coverage Ratio | 16.96 | 6.78 | 0.22 | -3.33 | -18.11 |
| Interest Coverage Ratio | 12.61 | 5.98 | 1.39 | -3.31 | -19.67 |
| Debt to Market Cap | 0.07 | 0.07 | 0.81 | 45.16 | 7.04 |
| Interest Debt Per Share | 4.57 | 3.31 | 3.28 | 2.23 | 2.59 |
| Net Debt to EBITDA | 0.29 | 0.39 | 1.14 | 0.15 | -0.02 |
| Profitability Margins | |||||
| Gross Profit Margin | 85.35% | 61.96% | 46.30% | 26.74% | 0.00% |
| EBIT Margin | 59.11% | 29.90% | 14.86% | -23.43% | 0.00% |
| EBITDA Margin | 59.41% | 30.26% | 15.40% | -22.76% | 0.00% |
| Operating Profit Margin | 39.26% | 30.33% | 13.93% | -22.64% | 0.00% |
| Pretax Profit Margin | 36.18% | 24.83% | 4.84% | -30.28% | 0.00% |
| Net Profit Margin | 29.57% | 28.96% | 4.45% | -30.34% | 0.00% |
| Continuous Operations Profit Margin | 29.57% | 28.96% | 4.45% | -30.34% | 0.00% |
| Net Income Per EBT | 81.73% | 116.65% | 92.07% | 100.18% | 100.08% |
| EBT Per EBIT | 92.14% | 81.85% | 34.73% | 133.73% | 100.00% |
| Return on Assets (ROA) | 33.26% | 26.32% | 3.34% | -22.07% | -33.65% |
| Return on Equity (ROE) | 78.40% | 89.40% | 32.13% | -430.77% | -198.90% |
| Return on Capital Employed (ROCE) | 56.94% | 42.68% | 87.48% | -38.75% | -64.84% |
| Return on Invested Capital (ROIC) | 46.52% | 42.66% | 17.06% | -38.71% | -64.74% |
| Return on Tangible Assets | 33.54% | 26.53% | 3.37% | -22.24% | -33.78% |
| Earnings Yield | 6.18% | 5.13% | 6.09% | -2686.95% | -678.93% |
| Efficiency Ratios | |||||
| Receivables Turnover | 1.72 | 1.61 | 1.21 | 1.31 | 0.00 |
| Payables Turnover | 1.17 | 1.50 | 1.15 | 1.11 | 0.05 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 677.11 | 338.73 | 160.24 | 1448.08 | 0.00 |
| Asset Turnover | 1.13 | 0.91 | 0.75 | 0.73 | 0.00 |
| Working Capital Turnover Ratio | 2.18 | 3.12 | 3.44 | 1.36 | 0.00 |
| Cash Conversion Cycle | -100.32 | -17.67 | -13.37 | -50.67 | -6685.65 |
| Days of Sales Outstanding | 211.63 | 226.42 | 302.81 | 278.73 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 311.95 | 244.09 | 316.18 | 329.40 | 6685.65 |
| Operating Cycle | 211.63 | 226.42 | 302.81 | 278.73 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 6.19 | 1.14 | -0.75 | 0.26 | -2.28 |
| Free Cash Flow Per Share | 6.14 | 1.10 | -0.79 | 0.23 | -2.30 |
| Dividend Paid and CapEx Coverage Ratio | 135.60 | 27.94 | -18.81 | 8.44 | -105.14 |
| Capital Expenditure Coverage Ratio | 135.60 | 27.94 | -18.81 | 8.44 | -105.14 |
| Operating Cash Flow Coverage Ratio | 1.49 | 0.39 | -0.27 | 0.13 | -0.92 |
| Operating Cash Flow to Sales Ratio | 0.47 | 0.15 | -0.16 | 0.07 | 0.00 |
| Free Cash Flow Yield | 9.68% | 2.58% | -23.22% | 529.28% | -657.70% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 16.15 | 18.30 | 16.42 | -0.04 | -0.15 |
| Price-to-Sales (P/S) Ratio | 4.78 | 5.64 | 0.73 | 0.01 | 0.00 |
| Price-to-Book (P/B) Ratio | 12.68 | 17.42 | 5.27 | 0.16 | 0.29 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 10.33 | 38.79 | -4.31 | 0.19 | -0.15 |
| Price-to-Operating Cash Flow Ratio | 10.26 | 37.40 | -4.54 | 0.17 | -0.15 |
| Price-to-Earnings Growth (PEG) Ratio | 0.24 | 0.02 | -0.14 | 0.00 | -0.00 |
| Enterprise Value Multiple | 8.33 | 19.03 | 5.89 | 0.10 | -0.18 |
| Enterprise Value | 2.23B | 1.56B | 144.59M | -2.76M | 12.31M |
| EV to EBITDA | 8.33 | 19.03 | 5.89 | 0.10 | -0.18 |
| EV to Sales | 4.95 | 5.76 | 0.91 | -0.02 | 0.00 |
| EV to Free Cash Flow | 10.70 | 39.59 | -5.34 | -0.37 | -0.17 |
| EV to Operating Cash Flow | 10.62 | 38.18 | -5.63 | -0.32 | -0.17 |
| Tangible Book Value Per Share | 4.91 | 2.38 | 0.59 | 0.23 | 1.17 |
| Shareholders’ Equity Per Share | 5.01 | 2.45 | 0.65 | 0.27 | 1.19 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.18 | -0.17 | 0.08 | -0.00 | -0.00 |
| Revenue Per Share | 13.28 | 7.56 | 4.68 | 3.85 | 0.00 |
| Net Income Per Share | 3.93 | 2.19 | 0.21 | -1.17 | -2.38 |
| Tax Burden | 0.82 | 1.17 | 0.92 | 1.00 | 1.00 |
| Interest Burden | 0.61 | 0.83 | 0.33 | 1.29 | 1.08 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.11 | 0.08 | 0.05 | 0.13 | 0.00 |
| Stock-Based Compensation to Revenue | 0.01 | 0.02 | 0.04 | 0.08 | 0.00 |
| Income Quality | 1.58 | 0.52 | -3.62 | -0.22 | 0.96 |
Currency in USD
