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Sezzle Inc. (SEZL)
NASDAQ:SEZL
US Market
SEZL
Sezzle Inc.
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Sezzle Inc. (SEZL) Ratios

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Sezzle Inc. Ratios

SEZL's free cash flow for Q2 2026 was $0.86. For the 2026 fiscal year, SEZL's free cash flow was decreased by $ and operating cash flow was $0.37. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 4.02 3.92 2.44 1.12 1.72
Quick Ratio
 4.02 3.92 2.44 1.12 1.72
Cash Ratio
 0.83 0.71 0.69 0.36 0.69
Solvency Ratio
 0.73 0.58 0.38 0.04 -0.23
Operating Cash Flow Ratio
 3.23 2.34 0.39 -0.14 0.09
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 -0.27 0.00
Net Current Asset Value
$ 184.87M$ 121.45M$ 47.08M$ 18.49M$ 6.40M
Leverage Ratios
Debt-to-Assets Ratio
 0.27 0.35 0.35 0.45 0.37
Debt-to-Equity Ratio
 0.52 0.83 1.19 4.33 7.25
Debt-to-Capital Ratio
 0.34 0.45 0.54 0.81 0.88
Long-Term Debt-to-Capital Ratio
 0.34 0.45 0.54 0.01 0.88
Financial Leverage Ratio
 1.96 2.36 3.40 9.62 19.52
Debt Service Coverage Ratio
 22.08 16.96 6.78 0.22 -3.33
Interest Coverage Ratio
 27.40 12.61 5.98 1.39 -3.31
Debt to Market Cap
 0.03 0.07 0.07 0.81 45.16
Interest Debt Per Share
 3.85 4.57 3.31 3.28 2.23
Net Debt to EBITDA
 0.18 0.29 0.39 1.14 0.15
Profitability Margins
Gross Profit Margin
90.80%85.35%61.96%46.30%26.74%
EBIT Margin
39.65%59.11%29.90%14.86%-23.43%
EBITDA Margin
39.97%59.41%30.26%15.40%-22.76%
Operating Profit Margin
40.39%39.26%30.33%13.93%-22.64%
Pretax Profit Margin
37.77%36.18%24.83%4.84%-30.28%
Net Profit Margin
30.35%29.57%28.96%4.45%-30.34%
Continuous Operations Profit Margin
30.35%29.57%28.96%4.45%-30.34%
Net Income Per EBT
80.35%81.73%116.65%92.07%100.18%
EBT Per EBIT
93.53%92.14%81.85%34.73%133.73%
Return on Assets (ROA)
35.36%33.26%26.32%3.34%-22.07%
Return on Equity (ROE)
85.55%78.40%89.40%32.13%-430.77%
Return on Capital Employed (ROCE)
60.54%56.94%42.68%87.48%-38.75%
Return on Invested Capital (ROIC)
48.61%46.52%42.66%17.06%-38.71%
Return on Tangible Assets
35.36%33.54%26.53%3.37%-22.24%
Earnings Yield
3.55%6.18%5.13%6.09%-2686.95%
Efficiency Ratios
Receivables Turnover
 1.71 1.72 1.61 1.21 1.31
Payables Turnover
 0.85 1.17 1.50 1.15 1.11
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 677.11 338.73 160.24 1.45K
Asset Turnover
 1.17 1.13 0.91 0.75 0.73
Working Capital Turnover Ratio
 1.76 2.18 3.12 3.44 1.36
Cash Conversion Cycle
 -219.11 -100.32 -17.67 -13.37 -50.67
Days of Sales Outstanding
 212.85 211.63 226.42 302.81 278.73
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 431.95 311.95 244.09 316.18 329.40
Operating Cycle
 212.85 211.63 226.42 302.81 278.73
Cash Flow Ratios
Operating Cash Flow Per Share
 9.75 6.19 1.14 -0.75 0.26
Free Cash Flow Per Share
 9.69 6.14 1.10 -0.79 0.23
CapEx Per Share
 0.06 0.05 0.04 0.04 0.03
Free Cash Flow to Operating Cash Flow
 0.99 0.99 0.96 1.05 0.88
Dividend Paid and CapEx Coverage Ratio
 154.13 135.60 27.94 -18.81 8.44
Capital Expenditure Coverage Ratio
 154.13 135.60 27.94 -18.81 8.44
Operating Cash Flow Coverage Ratio
 2.70 1.49 0.39 -0.27 0.13
Operating Cash Flow to Sales Ratio
 0.62 0.47 0.15 -0.16 0.07
Free Cash Flow Yield
7.17%9.68%2.58%-23.22%529.28%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 28.27 16.15 18.30 16.42 -0.04
Price-to-Sales (P/S) Ratio
 8.57 4.78 5.64 0.73 0.01
Price-to-Book (P/B) Ratio
 19.51 12.68 17.42 5.27 0.16
Price-to-Free Cash Flow (P/FCF) Ratio
 13.95 10.33 38.79 -4.31 0.19
Price-to-Operating Cash Flow Ratio
 13.83 10.26 37.40 -4.54 0.17
Price-to-Earnings Growth (PEG) Ratio
 0.47 0.24 0.02 -0.14 <0.01
Enterprise Value Multiple
 21.61 8.33 19.03 5.89 0.10
Enterprise Value
 4.59B 2.23B 1.56B 144.59M -2.76M
EV to EBITDA
 21.61 8.33 19.03 5.89 0.10
EV to Sales
 8.64 4.95 5.76 0.91 -0.02
EV to Free Cash Flow
 14.07 10.70 39.59 -5.34 -0.37
EV to Operating Cash Flow
 13.98 10.62 38.18 -5.63 -0.32
Tangible Book Value Per Share
 6.91 4.91 2.38 0.59 0.23
Shareholders’ Equity Per Share
 6.91 5.01 2.45 0.65 0.27
Tax and Other Ratios
Effective Tax Rate
 0.20 0.18 -0.17 0.08 >-0.01
Revenue Per Share
 15.78 13.28 7.56 4.68 3.85
Net Income Per Share
 4.79 3.93 2.19 0.21 -1.17
Tax Burden
 0.80 0.82 1.17 0.92 1.00
Interest Burden
 0.95 0.61 0.83 0.33 1.29
Research & Development to Revenue
 0.00 0.00 <0.01 0.00 0.00
SG&A to Revenue
 0.13 0.11 0.08 0.05 0.13
Stock-Based Compensation to Revenue
 0.02 0.01 0.02 0.04 0.08
Income Quality
 1.54 1.58 0.52 -3.62 -0.22
Currency in USD