Sezzle Inc. (SEZL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Sezzle Inc. stock (SEZL) is currently trading at $68.79. Sezzle Inc. PE ratio is 20.05. Sezzle Inc. PS ratio (Price-to-Sales) is 5.66. Analyst consensus price target for SEZL is $97.00. WallStSmart rates SEZL as Buy.
- SEZL PE ratio analysis and historical PE chart
- SEZL PS ratio (Price-to-Sales) history and trend
- SEZL intrinsic value — DCF, Graham Number, EPV models
- SEZL stock price prediction 2025 2026 2027 2028 2029 2030
- SEZL fair value vs current price
- SEZL insider transactions and insider buying
- Is SEZL undervalued or overvalued?
- Sezzle Inc. financial analysis — revenue, earnings, cash flow
- SEZL Piotroski F-Score and Altman Z-Score
- SEZL analyst price target and Smart Rating
Sezzle Inc.
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SEZL Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Sezzle Inc. (SEZL)
SEZL trades at a significant discount to its Graham intrinsic value of $174.10, offering a 64% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Sezzle Inc. (SEZL) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, return on equity, operating margin. Concerns around price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Sezzle Inc. (SEZL) Key Strengths (7)
Growing significantly faster than its price suggests
Every $100 of shareholder equity generates $103 in profit
Keeps $61 of every $100 in revenue after operating costs
Revenue surging 32.20% year-over-year
Earnings per share surging 66.80% year-over-year
Keeps $30 of every $100 in revenue as net profit
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Sezzle Inc. (SEZL) Areas to Watch (3)
Very expensive at 13.2x book value
Premium valuation at 5.7x annual revenue
Moderate institutional interest at 39.81%
Supporting Valuation Data
Sezzle Inc. (SEZL) Detailed Analysis Report
Overall Assessment
This company scores 77/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.6/10) while 3 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Return on Equity, Operating Margin. Valuation metrics including PEG Ratio (0.06) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 103.30%, Operating Margin at 60.80%, Profit Margin at 29.60%. Growth metrics are encouraging with Revenue Growth at 32.20%, EPS Growth at 66.80%.
The Bear Case
The primary concerns are Price/Book, Price/Sales, Institutional Own.. Some valuation metrics including Price/Sales (5.66), Price/Book (13.17) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 103.30% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 32.20% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Return on Equity makes a compelling case at current levels. The key risk is Price/Book, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SEZL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SEZL's Price-to-Sales ratio of 5.66x trades at a deep discount to its historical average of 16.9x (29th percentile). The current valuation is 94% below its historical high of 90.88x set in Nov 2024, and 155% above its historical low of 2.22x in Oct 2023. Over the past 12 months, the PS ratio has compressed from ~26.6x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Sezzle Inc. (SEZL) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Sezzle Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 450M with 32% growth year-over-year. Profit margins are strong at 29.6%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 32% YoY, reaching 450M. This pace significantly outperforms most CREDIT SERVICES peers.
ROE of 103.3% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Sezzle Inc. maintain 32%+ revenue growth, or will competition slow it down?
Volatility is elevated with a beta of 8.62, so expect amplified moves relative to the broader market.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Sezzle Inc..
Bottom Line
Sezzle Inc. offers an attractive blend of growth (32% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 11:50:03 AM
About Sezzle Inc.(SEZL)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
Sezzle Inc. is a technology-enabled payments company primarily in the United States and Canada. The company is headquartered in Minneapolis, Minnesota.