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Sezzle Inc. (SEZL)
NASDAQ:SEZL
US Market

Sezzle Inc. (SEZL) Ratios

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Sezzle Inc. Ratios

SEZL's free cash flow for Q3 2025 was $0.85. For the 2025 fiscal year, SEZL's free cash flow was decreased by $ and operating cash flow was $0.30. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
3.52 2.44 1.12 1.72 2.06
Quick Ratio
3.52 2.44 1.12 1.67 2.03
Cash Ratio
1.11 0.69 0.36 0.69 0.72
Solvency Ratio
0.55 0.38 0.04 -0.23 -0.55
Operating Cash Flow Ratio
0.60 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
$ 117.76M$ 47.08M$ 18.49M$ 6.40M$ 25.86M
Leverage Ratios
Debt-to-Assets Ratio
0.32 0.35 0.45 0.37 0.35
Debt-to-Equity Ratio
0.76 1.19 4.33 7.25 2.07
Debt-to-Capital Ratio
0.43 0.54 0.81 0.88 0.67
Long-Term Debt-to-Capital Ratio
0.43 0.54 0.01 0.88 0.74
Financial Leverage Ratio
2.36 3.40 9.62 19.52 5.91
Debt Service Coverage Ratio
9.49 6.78 0.22 -3.33 -13.12
Interest Coverage Ratio
11.06 5.98 1.39 -3.52 -13.03
Debt to Market Cap
0.05 0.07 0.81 0.15 0.18
Interest Debt Per Share
3.65 3.31 3.28 13.36 11.75
Net Debt to EBITDA
0.09 0.39 1.14 0.15 -0.01
Profitability Margins
Gross Profit Margin
75.07%61.96%46.30%59.21%61.48%
EBIT Margin
36.50%29.90%14.86%-23.43%-60.83%
EBITDA Margin
36.80%30.26%15.40%-22.76%-60.18%
Operating Profit Margin
36.41%30.33%13.93%-24.14%-59.81%
Pretax Profit Margin
33.21%24.83%4.84%-30.28%-65.42%
Net Profit Margin
27.66%28.96%4.45%-30.34%-65.47%
Continuous Operations Profit Margin
27.66%28.96%4.45%-30.34%-65.47%
Net Income Per EBT
83.29%116.65%92.07%100.18%100.08%
EBT Per EBIT
91.23%81.85%34.73%125.44%109.37%
Return on Assets (ROA)
31.56%26.32%3.34%-22.07%-46.42%
Return on Equity (ROE)
92.78%89.40%32.13%-430.77%-274.41%
Return on Capital Employed (ROCE)
55.77%42.68%87.48%-41.31%-81.79%
Return on Invested Capital (ROIC)
46.42%42.66%17.06%-41.34%-81.69%
Return on Tangible Assets
31.83%26.53%3.37%-22.24%-46.61%
Earnings Yield
5.06%5.13%6.09%-8.63%-17.58%
Efficiency Ratios
Receivables Turnover
2.19 1.61 1.21 1.31 0.86
Payables Turnover
1.80 1.50 1.15 0.62 0.46
Inventory Turnover
0.00 0.00 0.00 10.81 18.21
Fixed Asset Turnover
598.05 338.73 160.24 340.93 167.04
Asset Turnover
1.14 0.91 0.75 0.73 0.71
Working Capital Turnover Ratio
1.83 3.12 3.44 1.64 1.23
Cash Conversion Cycle
-35.21 -17.67 -13.37 -279.16 -350.59
Days of Sales Outstanding
167.01 226.42 302.81 278.73 425.94
Days of Inventory Outstanding
0.00 0.00 0.00 33.76 20.04
Days of Payables Outstanding
202.22 244.09 316.18 591.65 796.57
Operating Cycle
167.01 226.42 302.81 312.49 445.98
Cash Flow Ratios
Operating Cash Flow Per Share
1.56 1.14 -0.75 1.56 -9.92
Free Cash Flow Per Share
1.52 1.10 -0.79 1.38 -10.11
CapEx Per Share
0.04 0.04 0.04 0.19 0.20
Free Cash Flow to Operating Cash Flow
0.97 0.96 1.05 0.88 1.02
Dividend Paid and CapEx Coverage Ratio
37.21 27.94 -18.81 8.44 -50.80
Capital Expenditure Coverage Ratio
37.21 27.94 -18.81 8.44 -50.80
Operating Cash Flow Coverage Ratio
0.48 0.39 -0.27 0.13 -0.92
Operating Cash Flow to Sales Ratio
0.14 0.15 -0.16 0.07 -0.46
Free Cash Flow Yield
2.55%2.58%-23.22%1.70%-12.47%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
19.75 19.48 16.42 -11.59 -5.69
Price-to-Sales (P/S) Ratio
5.16 5.64 0.73 3.51 3.72
Price-to-Book (P/B) Ratio
14.73 17.42 5.27 49.91 15.61
Price-to-Free Cash Flow (P/FCF) Ratio
39.22 38.79 -4.31 58.82 -8.02
Price-to-Operating Cash Flow Ratio
40.41 37.40 -4.54 51.85 -8.18
Price-to-Earnings Growth (PEG) Ratio
1.88 0.02 -0.14 0.23 -0.05
Price-to-Fair Value
14.73 17.42 5.27 49.91 15.61
Enterprise Value Multiple
14.11 19.03 5.89 -15.30 -6.20
Enterprise Value
2.17B 1.56B 144.57M 437.19M 428.37M
EV to EBITDA
14.11 19.03 5.89 -15.30 -6.20
EV to Sales
5.19 5.76 0.91 3.48 3.73
EV to Free Cash Flow
39.48 39.59 -5.34 58.26 -8.04
EV to Operating Cash Flow
38.41 38.18 -5.63 51.36 -8.19
Tangible Book Value Per Share
4.21 2.38 0.59 1.38 5.07
Shareholders’ Equity Per Share
4.29 2.45 0.65 1.62 5.20
Tax and Other Ratios
Effective Tax Rate
0.17 -0.17 0.08 >-0.01 >-0.01
Revenue Per Share
11.58 7.56 4.68 23.07 21.78
Net Income Per Share
3.20 2.19 0.21 -7.00 -14.26
Tax Burden
0.83 1.17 0.92 1.00 1.00
Interest Burden
0.91 0.83 0.33 1.29 1.08
Research & Development to Revenue
0.00 0.00 <0.01 0.02 0.01
SG&A to Revenue
0.04 0.04 0.05 0.13 0.14
Stock-Based Compensation to Revenue
0.02 0.02 0.04 0.08 0.12
Income Quality
0.49 0.52 -3.62 -0.22 0.70
Currency in USD