SEZL Relative Valuation
SEZL's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SEZL is overvalued; if below, it's undervalued.
Historical Valuation
Sezzle Inc (SEZL) is now in the Fair zone, suggesting that its current forward PE ratio of 15.56 is considered Fairly compared with the five-year average of 17.13. The fair price of Sezzle Inc (SEZL) is between 42.50 to 133.81 according to relative valuation methord.
Relative Value
Fair Zone
42.50-133.81
Current Price：76.11
Fair
15.56
PE
1Y
3Y
5Y
10.56
EV/EBITDA
Sezzle Inc. (SEZL) has a current EV/EBITDA of 10.56. The 5-year average EV/EBITDA is 10.87. The thresholds are as follows: Strongly Undervalued below -1.96, Undervalued between -1.96 and 4.46, Fairly Valued between 17.29 and 4.46, Overvalued between 17.29 and 23.71, and Strongly Overvalued above 23.71. The current Forward EV/EBITDA of 10.56 falls within the Historic Trend Line -Fairly Valued range.
11.06
EV/EBIT
Sezzle Inc. (SEZL) has a current EV/EBIT of 11.06. The 5-year average EV/EBIT is 11.59. The thresholds are as follows: Strongly Undervalued below -1.77, Undervalued between -1.77 and 4.91, Fairly Valued between 18.27 and 4.91, Overvalued between 18.27 and 24.95, and Strongly Overvalued above 24.95. The current Forward EV/EBIT of 11.06 falls within the Historic Trend Line -Fairly Valued range.
4.20
PS
Sezzle Inc. (SEZL) has a current PS of 4.20. The 5-year average PS is 3.72. The thresholds are as follows: Strongly Undervalued below -1.64, Undervalued between -1.64 and 1.04, Fairly Valued between 6.40 and 1.04, Overvalued between 6.40 and 9.08, and Strongly Overvalued above 9.08. The current Forward PS of 4.20 falls within the Historic Trend Line -Fairly Valued range.
18.33
P/OCF
Sezzle Inc. (SEZL) has a current P/OCF of 18.33. The 5-year average P/OCF is 16.53. The thresholds are as follows: Strongly Undervalued below -29.64, Undervalued between -29.64 and -6.56, Fairly Valued between 39.61 and -6.56, Overvalued between 39.61 and 62.70, and Strongly Overvalued above 62.70. The current Forward P/OCF of 18.33 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/FCF
Sezzle Inc. (SEZL) has a current P/FCF of 0.00. The 5-year average P/FCF is 11.03. The thresholds are as follows: Strongly Undervalued below -37.92, Undervalued between -37.92 and -13.44, Fairly Valued between 35.51 and -13.44, Overvalued between 35.51 and 59.99, and Strongly Overvalued above 59.99. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.
Sezzle Inc (SEZL) has a current Price-to-Book (P/B) ratio of 14.33. Compared to its 3-year average P/B ratio of 17.30 , the current P/B ratio is approximately -17.15% higher. Relative to its 5-year average P/B ratio of 17.30, the current P/B ratio is about -17.15% higher. Sezzle Inc (SEZL) has a Forward Free Cash Flow (FCF) yield of approximately 2.52%. Compared to its 3-year average FCF yield of -1.33%, the current FCF yield is approximately -289.16% lower. Relative to its 5-year average FCF yield of -1.33% , the current FCF yield is about -289.16% lower.
14.33
P/B
Median3y
17.30
Median5y
17.30
2.52
FCF Yield
Median3y
-1.33
Median5y
-1.33
Competitors Valuation Multiple
The average P/S ratio for SEZL's competitors is 2.22, providing a benchmark for relative valuation. Sezzle Inc Corp (SEZL) exhibits a P/S ratio of 4.20, which is 89.25% above the industry average. Given its robust revenue growth of 66.95%, this premium appears sustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of SEZL increased by 51.99% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 69.96M to 116.80M.
The secondary factor is the Margin Expansion, contributed 3.44%to the performance.
Overall, the performance of SEZL in the past 1 year is driven by Revenue Growth. Which is more sustainable.
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Frequently Asked Questions
Is Sezzle Inc (SEZL) currently overvalued or undervalued?
Sezzle Inc (SEZL) is now in the Fair zone, suggesting that its current forward PE ratio of 15.56 is considered Fairly compared with the five-year average of 17.13. The fair price of Sezzle Inc (SEZL) is between 42.50 to 133.81 according to relative valuation methord.
What is Sezzle Inc (SEZL) fair value?
SEZL's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Sezzle Inc (SEZL) is between 42.50 to 133.81 according to relative valuation methord.
How does SEZL's valuation metrics compare to the industry average?
The average P/S ratio for SEZL's competitors is 2.22, providing a benchmark for relative valuation. Sezzle Inc Corp (SEZL) exhibits a P/S ratio of 4.20, which is 89.25% above the industry average. Given its robust revenue growth of 66.95%, this premium appears sustainable.
What is the current P/B ratio for Sezzle Inc (SEZL) as of Jan 09 2026?
As of Jan 09 2026, Sezzle Inc (SEZL) has a P/B ratio of 14.33. This indicates that the market values SEZL at 14.33 times its book value.
What is the current FCF Yield for Sezzle Inc (SEZL) as of Jan 09 2026?
As of Jan 09 2026, Sezzle Inc (SEZL) has a FCF Yield of 2.52%. This means that for every dollar of Sezzle Inc’s market capitalization, the company generates 2.52 cents in free cash flow.
What is the current Forward P/E ratio for Sezzle Inc (SEZL) as of Jan 09 2026?
As of Jan 09 2026, Sezzle Inc (SEZL) has a Forward P/E ratio of 15.56. This means the market is willing to pay $15.56 for every dollar of Sezzle Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Sezzle Inc (SEZL) as of Jan 09 2026?
As of Jan 09 2026, Sezzle Inc (SEZL) has a Forward P/S ratio of 4.20. This means the market is valuing SEZL at $4.20 for every dollar of expected revenue over the next 12 months.