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

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Sezzle Inc. Ratios

SEZL's free cash flow for Q2 2025 was $0.74. For the 2025 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 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
3.51 1.12 1.72 2.06 2.53
Quick Ratio
3.51 1.12 1.67 2.03 2.53
Cash Ratio
1.00 0.36 0.69 0.72 1.23
Solvency Ratio
0.48 0.04 -0.23 -0.55 -0.28
Operating Cash Flow Ratio
0.33 -0.14 0.09 -0.67 -0.28
Short-Term Operating Cash Flow Coverage
233.63 -0.27 0.00 0.00 0.00
Net Current Asset Value
$ 91.38M$ 18.49M$ 6.40M$ 25.86M$ 58.85M
Leverage Ratios
Debt-to-Assets Ratio
0.37 0.45 0.37 0.35 0.24
Debt-to-Equity Ratio
1.01 4.33 7.25 2.07 0.69
Debt-to-Capital Ratio
0.50 0.81 0.88 0.67 0.41
Long-Term Debt-to-Capital Ratio
0.50 0.01 0.88 0.74 0.41
Financial Leverage Ratio
2.69 9.62 19.52 5.91 2.90
Debt Service Coverage Ratio
8.93 0.22 -3.33 -13.12 -6.43
Interest Coverage Ratio
10.44 1.39 -3.52 -13.03 -6.49
Debt to Market Cap
0.04 0.81 0.15 0.18 0.10
Interest Debt Per Share
3.99 3.28 13.36 11.75 9.27
Net Debt to EBITDA
0.30 1.14 0.15 -0.01 1.56
Profitability Margins
Gross Profit Margin
69.57%46.30%59.21%61.48%61.02%
EBIT Margin
37.17%14.86%-23.43%-60.83%-47.73%
EBITDA Margin
37.46%15.40%-22.76%-60.18%-47.00%
Operating Profit Margin
37.03%13.93%-24.14%-59.81%-47.50%
Pretax Profit Margin
33.63%4.84%-30.28%-65.42%-55.05%
Net Profit Margin
28.13%4.45%-30.34%-65.47%-55.10%
Continuous Operations Profit Margin
28.13%4.45%-30.34%-65.47%-55.10%
Net Income Per EBT
83.65%92.07%100.18%100.08%100.10%
EBT Per EBIT
90.79%34.73%125.44%109.37%115.89%
Return on Assets (ROA)
29.83%3.34%-22.07%-46.42%-18.60%
Return on Equity (ROE)
103.26%32.13%-430.77%-274.41%-54.03%
Return on Capital Employed (ROCE)
52.62%87.48%-41.31%-81.79%-26.41%
Return on Invested Capital (ROIC)
43.98%17.06%-41.34%-81.69%-26.40%
Return on Tangible Assets
30.07%3.37%-22.24%-46.61%-18.66%
Earnings Yield
3.20%6.09%-8.63%-17.58%-8.13%
Efficiency Ratios
Receivables Turnover
2.01 1.21 1.31 0.86 0.73
Payables Turnover
1.87 1.15 0.62 0.46 0.38
Inventory Turnover
0.00 0.00 10.81 18.21 0.00
Fixed Asset Turnover
505.84 160.24 340.93 167.04 112.89
Asset Turnover
1.06 0.75 0.73 0.71 0.34
Working Capital Turnover Ratio
1.92 3.44 1.64 1.23 0.77
Cash Conversion Cycle
-13.57 -13.37 -279.16 -350.59 -468.73
Days of Sales Outstanding
181.56 302.81 278.73 425.94 501.71
Days of Inventory Outstanding
0.00 0.00 33.76 20.04 0.00
Days of Payables Outstanding
195.13 316.18 591.65 796.57 970.44
Operating Cycle
181.56 302.81 312.49 445.98 501.71
Cash Flow Ratios
Operating Cash Flow Per Share
0.81 -0.75 1.56 -9.92 -3.86
Free Cash Flow Per Share
0.78 -0.79 1.38 -10.11 -3.98
CapEx Per Share
0.03 0.04 0.19 0.20 0.11
Free Cash Flow to Operating Cash Flow
0.96 1.05 0.88 1.02 1.03
Dividend Paid and CapEx Coverage Ratio
28.36 -18.81 8.44 -50.80 -33.76
Capital Expenditure Coverage Ratio
28.36 -18.81 8.44 -50.80 -33.76
Operating Cash Flow Coverage Ratio
0.22 -0.27 0.13 -0.92 -0.46
Operating Cash Flow to Sales Ratio
0.08 -0.16 0.07 -0.46 -0.32
Free Cash Flow Yield
0.92%-23.22%1.70%-12.47%-4.91%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
31.29 16.42 -11.59 -5.69 -12.31
Price-to-Sales (P/S) Ratio
8.28 0.73 3.51 3.72 6.78
Price-to-Book (P/B) Ratio
25.09 5.27 49.91 15.61 6.65
Price-to-Free Cash Flow (P/FCF) Ratio
109.27 -4.31 58.82 -8.02 -20.38
Price-to-Operating Cash Flow Ratio
112.04 -4.54 51.85 -8.18 -20.98
Price-to-Earnings Growth (PEG) Ratio
-8.96 -0.14 0.23 -0.05 -0.26
Price-to-Fair Value
25.09 5.27 49.91 15.61 6.65
Enterprise Value Multiple
22.40 5.89 -15.30 -6.20 -12.87
Enterprise Value
3.12B 144.57M 437.19M 428.37M 355.67M
EV to EBITDA
22.40 5.89 -15.30 -6.20 -12.87
EV to Sales
8.39 0.91 3.48 3.73 6.05
EV to Free Cash Flow
110.77 -5.34 58.26 -8.04 -18.18
EV to Operating Cash Flow
106.86 -5.63 51.36 -8.19 -18.72
Tangible Book Value Per Share
3.53 0.59 1.38 5.07 12.09
Shareholders’ Equity Per Share
3.61 0.65 1.62 5.20 12.19
Tax and Other Ratios
Effective Tax Rate
0.16 0.08 >-0.01 >-0.01 >-0.01
Revenue Per Share
10.28 4.68 23.07 21.78 11.96
Net Income Per Share
2.89 0.21 -7.00 -14.26 -6.59
Tax Burden
0.84 0.92 1.00 1.00 1.00
Interest Burden
0.90 0.33 1.29 1.08 1.15
Research & Development to Revenue
0.00 <0.01 0.02 0.01 <0.01
SG&A to Revenue
0.04 0.05 0.13 0.14 0.06
Stock-Based Compensation to Revenue
0.02 0.04 0.08 0.12 0.12
Income Quality
0.28 -3.62 -0.22 0.70 0.59
Currency in USD
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