Sezzle Inc. (SEZL) intrinsic value & 10-year financials
Sezzle Inc. (SEZL) has a Graham intrinsic value of $123.56 per share. At $127.65 on Oct 17, 2026, the stock trades 3% above that value. Over the last 7 fiscal years revenue grew 32.0% a year to $235.9M, with an average return on invested capital of 3.5%.
- Graham intrinsic value
- $123.56
- Share price (Oct 17, 2026)
- $127.65
- Price vs Graham value
- 3% above
- Market cap
- $4.6B
- Revenue (FY2025)
- $235.9M
- Revenue growth (7-yr CAGR)
- 32.0%
- ROIC (10-yr avg)
- 3.5%
- Free cash flow (FY2025)
- $209.3M
SEZL 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $235.9M | $133.1M | $3.72 | $209.3M | 74.9% | 237.1% |
| FY2024 | $139.4M | $78.5M | $2.19 | $40.8M | 59.0% | -565.7% |
| FY2023 | $60.6M | $7.1M | $0.21 | -$25.8M | 36.6% | -39.3% |
| FY2022 | $12.0M | -$38.1M | -$0.03 | $8.5M | -237.8% | 57.7% |
| FY2021 | $114.8M | -$75.2M | -$0.06 | -$72.8M | -59.8% | 216.6% |
| FY2020 | $58.8M | -$32.4M | -$0.03 | -$25.2M | -47.5% | 114.8% |
| FY2019 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Sezzle Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Sezzle Inc. has earned high returns on invested capital, averaging 22.0% ROIC over the available history. High ROIC is consistent with a durable franchise, but it is not by itself proof of an economic moat.
Sezzle Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Sezzle Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $123.56 per share.