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Sezzle (SEZL) | Financial Analysis & Statements

Sezzle Inc. | Mid-cap | Financial Services

$88.85

-4.70%

Sezzle vs Visa Sezzle vs Mastercard Sezzle vs OneMain Holdings Sezzle vs SLM Sezzle vs Upstart Holdings Sezzle vs S&P 500 | Market

TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 98.7M

Gross Profit 72.8M 73.74%

Operating Income 36.1M 36.56%

Net Income 27.6M 27.97%

EPS (Diluted) $0.78

Balance Sheet Metrics

Total Assets 298.1M

Total Liabilities 172.3M

Shareholders Equity 125.8M

Debt to Equity 1.37

Cash Flow Metrics

Operating Cash Flow 40.9M

Free Cash Flow 58.5M

Revenue & Profitability Trend

Interactive Financial Charts Not Available

This page uses interactive financial charts and dynamic data visualization tools that require JavaScript. For detailed financial analysis:

Available Financial Data:

Income statements (annual and quarterly)
Balance sheets with asset and liability details
Cash flow statements and free cash flow analysis
Key financial ratios and performance metrics
Peer comparison and industry benchmarking

All financial data is displayed in accessible table format below. Use the table headers and structure to analyze trends and compare metrics across different periods.

Sezzle Income Statement From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Revenue i	271.1M	159.4M	125.6M	72.8M	37.3M
Cost of Goods Sold i	103.1M	85.6M	92.0M	-	14.3M
Gross Profit i	168.0M	73.8M	33.6M	72.8M	23.0M
Gross Margin % i	62.0%	46.3%	26.7%	100.0%	61.7%
Operating Expenses
Research & Development i	-	-	-	-	-
Selling, General & Administrative i	21.1M	20.6M	35.4M	15.9M	28.3M
Other Operating Expenses i	9.6M	7.8M	8.2M	100.5M	12.5M
Total Operating Expenses i	30.7M	28.4M	43.6M	116.4M	40.8M
Operating Income i	82.2M	22.2M	-39.4M	-43.6M	-17.8M
Operating Margin % i	30.3%	13.9%	-31.4%	-59.9%	-47.7%
Non-Operating Items
Interest Income i	-	-	-	-	-
Interest Expense i	13.8M	16.0M	8.6M	3.3M	2.7M
Other Non-Operating Income	-1.2M	1.5M	10.0M	-1.1M	357.6K
Pre-tax Income i	67.3M	7.7M	-38.0M	-47.6M	-20.5M
Income Tax i	-11.2M	611.5K	69.4K	37.0K	19.6K
Effective Tax Rate % i	-16.6%	7.9%	0.0%	0.0%	0.0%
Net Income i	78.5M	7.1M	-38.1M	-47.7M	-20.5M
Net Margin % i	29.0%	4.5%	-30.3%	-65.5%	-55.1%
Key Metrics
EBITDA i	83.6M	25.0M	-38.8M	-44.3M	-17.8M
EPS (Basic) i	$2.33	$1.27	$-6.84	$-14.44	$-6.46
EPS (Diluted) i	$2.19	$1.25	$-6.84	$-14.44	$-6.46
Basic Shares Outstanding i	33710982	5606087	5569262	5272211	4916911
Diluted Shares Outstanding i	33710982	5606087	5569262	5272211	4916911

Income Statement Trend

Sezzle Balance Sheet From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Assets
Current Assets
Cash & Equivalents i	73.2M	67.6M	68.3M	48.8M	53.4M
Short-term Investments i	-	-	-	-	-
Accounts Receivable i	1.7M	1.6M	2.5M	84.9M	51.2M
Inventory i	-	-	-	-	-
Other Current Assets	11.4M	6.2M	4.7M	1.2M	3.0M
Total Current Assets i	257.6M	209.0M	170.1M	140.3M	109.7M
Non-Current Assets
Property, Plant & Equipment i	800.4K	994.5K	86.7K	181.2K	92.3K
Goodwill i	2.4M	1.9M	1.3M	577.3K	340.5K
Intangible Assets i	2.4M	1.9M	1.3M	577.3K	340.5K
Long-term Investments	-	-	-	-	-
Other Non-Current Assets	37.5M	707.5K	1.0M	160.9K	33.3K
Total Non-Current Assets i	40.8M	3.6M	2.4M	1.3M	704.0K
Total Assets i	298.4M	212.6M	172.6M	141.6M	110.4M
Liabilities
Current Liabilities
Accounts Payable i	69.0M	74.1M	83.0M	61.2M	38.6M
Short-term Debt i	96.2K	94.4M	79.3K	109.0K	90.5K
Current Portion of Long-term Debt	-	-	-	-	-
Other Current Liabilities	9.2M	-	10.4M	5.1M	4.2M
Total Current Liabilities i	105.7M	187.3M	99.2M	68.2M	43.3M
Non-Current Liabilities
Long-term Debt i	104.8M	1.2M	64.0M	49.5M	932.2K
Deferred Tax Liabilities i	-	-	-	-	-
Other Non-Current Liabilities	44.7K	1.1M	-	-	28.1M
Total Non-Current Liabilities i	104.9M	3.3M	64.5M	49.5M	29.0M
Total Liabilities i	210.5M	190.6M	163.7M	117.7M	72.4M
Equity
Common Stock i	2.1K	2.1K	2.1K	104.4M	70.8M
Retained Earnings i	-89.8M	-157.5M	-165.5M	-80.4M	-32.8M
Treasury Stock i	9.4M	5.8M	4.1M	-	-
Other Equity	-	-	-	-	-
Total Shareholders Equity i	87.8M	22.1M	8.8M	24.0M	38.0M
Key Metrics
Total Debt i	104.9M	95.7M	64.1M	49.6M	1.0M
Working Capital i	151.9M	21.8M	70.9M	72.1M	66.3M

Balance Sheet Composition

Sezzle Cash Flow Statement From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Operating Activities
Net Income i	78.5M	7.1M	-38.1M	-	-
Depreciation & Amortization i	965.4K	855.8K	847.1K	-	-
Stock-Based Compensation i	5.2M	6.9M	10.3M	-	-
Working Capital Changes i	-104.6M	-69.7M	-7.5M	0	0
Operating Cash Flow i	-36.3M	-54.1M	-33.5M	-	-
Investing Activities
Capital Expenditures i	-69.8K	-81.6K	-52.2K	-434.9K	-260.5K
Acquisitions i	-	-	-	-	-
Investment Purchases i	-	-	-	-	-
Investment Sales i	-	-	-	-	-
Investing Cash Flow i	-69.8K	-81.6K	-52.2K	-434.9K	-260.5K
Financing Activities
Share Repurchases i	-23.6M	-1.7M	-381.4K	-1.7M	-1.6M
Dividends Paid i	-	-	-	-	-
Debt Issuance i	107.4M	54.8M	71.2M	110.7M	55.1M
Debt Repayment i	-97.4M	-24.8M	-85.0M	-86.9M	-42.9M
Financing Cash Flow i	-14.7M	28.2M	-16.1M	40.1M	47.6M
Free Cash Flow i	39.4M	-27.1M	7.5M	-46.6M	-16.2M
Net Change in Cash i	-51.1M	-26.0M	-49.6M	39.7M	47.3M

Cash Flow Trend

Sezzle Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 31.25

Forward P/E 7.41

Price to Book 23.96

Price to Sales 8.41

PEG Ratio -4.97

Profitability Ratios

Profit Margin 28.13%

Operating Margin 57.48%

Return on Equity 115.76%

Return on Assets 46.87%

Financial Health

Current Ratio 3.50

Debt to Equity 100.76

Per Share Data

EPS (TTM) $2.94

Book Value per Share $3.83

Revenue per Share $11.06

Peer Financial Comparison

Company	Market Cap	P/E Ratio	P/B Ratio	ROE	Profit Margin	Debt/Equity
sezl	3.1B	31.25	23.96	115.76%	28.13%	100.76
Visa	668.6B	33.67	17.59	51.76%	52.16%	65.02
Mastercard	525.9B	39.22	67.11	176.95%	44.93%	240.92
OneMain Holdings	6.8B	10.32	2.05	20.50%	24.07%	663.05
SLM	6.3B	14.72	2.98	18.99%	36.64%	269.94
Upstart Holdings	6.2B	-44.51	8.53	-0.96%	-0.72%	212.94

Financial data is updated regularly. All figures are in the company's reporting currency.