Where do Sezzle's ratios come from?

Every ratio is computed from Sezzle's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Sezzle SEZL Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Operating margin	40.7%+1.5pp	39.3%+2.9pp	36.4%-0.6pp	37%+1.1pp	36%+5.6pp
Net margin	30.8%+1.3pp	29.6%+1.9pp	27.7%-0.5pp	28.1%-4.3pp	32.4%+3.5pp
EBITDA margin	41.1%+1.5pp	39.6%+2.9pp	36.7%-0.6pp	37.3%+1.1pp	36.3%+5.6pp
Free cash flow margin	51%+4.6pp	46.5%-0.4pp	46.8%+1.8pp	45.1%-5.7pp	50.8%+2.6pp
Returns
Return on equity	92%-11.4pp	103.3%-3.7pp	107%-8.7pp	115.8%-21.6pp	137.3%-5.5pp
Return on assets	39.4%+1.3pp	38.1%+0.7pp	37.4%+0.2pp	37.2%-6.0pp	43.2%+12.5pp
Return on invested capital	278.2%+41.6pp	236.6%—	——	——	——
Efficiency
Asset turnover	1.3×0.0×	1.3×-0.1×	1.4×0.0×	1.3×0.0×	1.3×+0.3×
Liquidity
Current ratio	3.7×-0.3×	3.9×+0.4×	3.5×0.0×	3.5×+0.9×	2.6×+0.2×
Quick ratio	3.7×-0.3×	3.9×+0.4×	3.5×0.0×	3.5×+0.9×	2.6×+0.2×
Cash ratio	1.1×+0.4×	0.7×-0.4×	1.1×+0.1×	1×+0.1×	0.9×+0.2×
Leverage
Debt-to-equity	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Net debt / EBITDA	-0.6×-0.3×	-0.4×+0.3×	-0.7×0.0×	-0.6×+0.1×	-0.7×+0.1×
Interest coverage	13.9×+1.3×	12.6×+1.5×	11.1×+0.6×	10.4×+1.1×	9.4×+3.4×
Per Share
Book value per share	$5.63+18.5%	$4.75+9.2%	$4.35+18.5%	$3.67+5.6%	$3.48+42.1%
Valuation
Market capitalization	$2.14B-1.3%	$2.17B-19.9%	$2.71B-49.2%	$5.33B+351%	$1.18B-17.6%
Enterprise value	$2.02B-4.0%	$2.1B-19.1%	$2.6B-50.3%	$5.24B+380%	$1.09B-19.7%
Price / earnings	14.4×-1.9×	16.3×-7.1×	23.4×-27.6×	51×+39.9×	11.1×-7.2×
Price / sales	4.4×-0.4×	4.8×-1.6×	6.5×-7.9×	14.3×+10.7×	3.6×-1.7×
Price / book	10.9×-1.9×	12.8×-4.7×	17.4×-23.4×	40.9×+31.5×	9.4×-6.9×
EV / EBITDA	10.2×-1.6×	11.8×-5.1×	16.9×-20.8×	37.8×+28.6×	9.2×-7.2×
EV / sales	4.2×-0.5×	4.7×-1.5×	6.2×-7.9×	14.1×+10.8×	3.3×-1.7×
Free cash flow yield	11.5%+1.8pp	9.7%+2.4pp	7.2%+4.1pp	3.1%-11.0pp	14.1%+5.0pp
Earnings yield	6.9%+0.8pp	6.1%+1.9pp	4.3%+2.3pp	2%-7.1pp	9%+3.6pp
PEG ratio	0.4×+0.1×	0.2×0.0×	0.2×-0.1×	0.3×+0.3×	0×0.0×

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Questions, answered.

Where do Sezzle's ratios come from?: Every ratio is computed from Sezzle's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.