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%+4.8pp	39.3%+8.9pp	36.4%+9.8pp	37%+14.4pp	36%+18.1pp
Net margin	30.8%-1.6pp	29.6%+0.6pp	27.7%+2.4pp	28.1%+6.4pp	32.4%+24.6pp
EBITDA margin	41.1%+4.8pp	39.6%+8.9pp	36.7%+9.7pp	37.3%+14.2pp	36.3%+17.9pp
Free cash flow margin	51%+0.3pp	46.5%-1.7pp	46.8%+20.6pp	45.1%+39.9pp	50.8%+54.1pp
Returns
Return on equity	92%-45.4pp	103.3%-39.5pp	107%-34.8pp	115.8%-10.3pp	137.3%+75.5pp
Return on assets	39.4%-3.8pp	38.1%+7.4pp	37.4%+11.4pp	37.2%+14.3pp	43.2%+35.5pp
Return on invested capital	278.2%—	236.6%—	——	——	——
Efficiency
Asset turnover	1.3×-0.1×	1.3×+0.2×	1.4×+0.3×	1.3×+0.3×	1.3×+0.3×
Liquidity
Current ratio	3.7×+1.0×	3.9×+1.5×	3.5×+1.1×	3.5×+1.4×	2.6×+0.6×
Quick ratio	3.7×+1.0×	3.9×+1.5×	3.5×+1.1×	3.5×+1.4×	2.6×+0.6×
Cash ratio	1.1×+0.2×	0.7×0.0×	1.1×+0.3×	1×+0.4×	0.9×0.0×
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×+0.1×	-0.4×+0.5×	-0.7×+0.6×	-0.6×+0.6×	-0.7×+1.7×
Interest coverage	13.9×+4.5×	12.6×+6.6×	11.1×+7.1×	10.4×+7.7×	9.4×+7.6×
Per Share
Book value per share	$5.63+62.0%	$4.75+94.1%	$4.35+152%	$3.67+164%	$3.48+320%
Valuation
Market capitalization	$2.14B+81.1%	$2.17B+51.1%	$2.71B+186%	$5.33B+967%	$1.18B+147%
Enterprise value	$2.02B+84.8%	$2.1B+54.5%	$2.6B+200%	$5.24B+1,085%	$1.09B+172%
Price / earnings	14.4×+3.4×	16.3×-2.0×	23.4×+6.5×	51×+39.1×	11.1×-24.7×
Price / sales	4.4×+0.9×	4.8×-0.5×	6.5×+2.2×	14.3×+11.7×	3.6×+0.8×
Price / book	10.9×+1.5×	12.8×-3.6×	17.4×+2.0×	40.9×+30.9×	9.4×-6.8×
EV / EBITDA	10.2×+1.1×	11.8×-4.6×	16.9×+2.5×	37.8×+27.8×	9.2×-3.6×
EV / sales	4.2×+0.9×	4.7×-0.3×	6.2×+2.3×	14.1×+11.8×	3.3×+1.0×
Free cash flow yield	11.5%-2.7pp	9.7%+0.5pp	7.2%+1.1pp	3.1%+1.1pp	14.1%+15.3pp
Earnings yield	6.9%-2.1pp	6.1%+0.7pp	4.3%-1.6pp	2%-6.4pp	9%+6.2pp
PEG ratio	0.4×+0.4×	0.2×+0.2×	0.2×+0.2×	0.3×+0.3×	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.