Sezzle Inc. Financial Ratios — 1SEZL Stock

Profitability (USD)

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	-50.33	-76.33	-148.46	-209.8	45.89	142.86	103.34
Return on Assets (%)	- -	-30.04	-27.81	-36.87	-22.74	3.69	30.73	38.11
Return on Capital (%)	- -	- -	- -	- -	- -	22.86	- -	52.9
Return on Invested Capital (%)	- -	- -	- -	- -	- -	21.69	- -	59.44
Gross Margin (%)	- -	- -	61.74	- -	26.74	46.3	56.89	70.06
EBITDA Margin (%)	- -	-67.33	-47	-59.22	-21.97	14.47	30.69	39.56
Operating Margin (%)	- -	-68.86	-47.73	-59.88	-38.25	13.93	25.26	36.15
Incremental Operating Margin (%)	- -	- -	- -	- -	4.6	207.88	41.41	52.63
Pretax Margin (%)	- -	-103.26	-55.05	-65.42	-30.28	4.84	24.83	36.18
Profit Margin (%)	- -	-103.34	-55.1	-65.47	-30.34	4.45	28.96	29.57
Net Income to Common Margin (%)	- -	-103.34	-55.1	-65.47	-30.34	4.45	28.96	29.57
Effective Tax Rate (%)	- -	- -	- -	- -	- -	7.93	- -	18.27
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	-50.33	-76.33	-148.46	-209.8	45.89	142.86	103.34

Credit (USD)

Credit Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	3	1	1	57	64	96	105	141
ST Debt	- -	- -	- -	- -	- -	94	- -	- -
LT Debt	3	1	1	57	64	1	105	141
Total Debt/EBITDA	- -	-0.11	-0.06	-1.15	-2.32	4.15	1.26	0.79
Net Debt/EBITDA	- -	3.16	3	-0.01	0.15	1.17	0.37	0.43
Total Debt/EBIT	- -	-0.1	-0.06	-1.14	-2.25	4.31	1.28	0.8
Net Debt/EBIT	- -	3.09	2.95	-0.01	0.15	1.22	0.37	0.43
EBITDA to Interest Expense	- -	-1.91	-6.42	-12.9	-3.21	1.44	6.05	- -
EBITDA-CapEx/Interest Expense	- -	-2.01	-6.59	-13.17	-3.32	1.36	5.94	- -
EBIT to Interest Expense	- -	-1.95	-6.52	-13.05	-5.59	1.39	4.98	- -
Interest Expense	- -	4	3	4	9	16	14	- -
Common Equity/Total Assets	84.06	42.33	34.44	16.92	5.12	10.39	29.44	42.43
Long-Term Debt/Equity (%)	11.4	2.75	2.45	206.53	724.03	5.57	119.33	82.83
Long-Term Debt/Capital (%)	10.22	2.64	2.39	67.28	87.77	1.05	54.38	45.28
Long-Term Debt/Total Assets (%)	9.58	1.16	0.84	34.94	37.1	0.58	35.13	35.14
Total Debt/Equity (%)	11.6	4.17	2.69	206.99	724.92	433.01	119.44	82.92
Total Debt/Capital (%)	10.39	4	2.62	67.43	87.88	81.24	54.43	45.33
Total Debt/Total Assets (%)	9.75	1.77	0.93	35.01	37.15	44.99	35.16	35.18
Net Debt to Equity	-93.13	-125.23	-138.12	2.59	-48.08	122.23	35.07	44.72
Net Debt/Capital (%)	-1,356.08	526.07	364.6	2.5	-91.04	53.86	25.77	30.8
EBITDA	- -	-8	-21	-49	-28	23	83	178
EBITDA-CapEx	- -	-8	-22	-50	-29	22	82	175
Operating Income (Loss)	- -	-8	-22	-50	-48	22	68	163

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	13.85	2.24	1.23	0.72	0.69	0.36	0.69	0.71
Current Ratio	15.61	4.03	2.53	2.06	1.72	1.12	2.44	3.92
Quick Ratio	15.56	3.87	2.44	2.01	1.66	1.07	2.28	3.62
CFO/Avg Current Liab	- -	- -	- -	- -	0.1	-0.18	0.89	2.15
Common Equity/Total Assets	84.06	42.33	34.44	16.92	5.12	10.39	29.44	42.43
Long-Term Debt/Equity (%)	11.4	2.75	2.45	206.53	724.03	5.57	119.33	82.83
Long-Term Debt/Capital (%)	10.22	2.64	2.39	67.28	87.77	1.05	54.38	45.28
Long-Term Debt/Total Assets (%)	9.58	1.16	0.84	34.94	37.1	0.58	35.13	35.14
Total Debt/Equity (%)	11.6	4.17	2.69	206.99	724.92	433.01	119.44	82.92
Total Debt/Capital (%)	10.39	4	2.62	67.43	87.88	81.24	54.43	45.33
Total Debt/Total Assets (%)	9.75	1.77	0.93	35.01	37.15	44.99	35.16	35.18
CFO/Total Liabilities	- -	- -	- -	- -	5.2	-13.48	62.05	91.1
CFO/CapEx	- -	- -	- -	- -	8.44	-18.81	89.24	77.89
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	9.24

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	1.06	1.13	1.05	2.51	77.65	166.2	171.67
Days Sales Outstanding	- -	342.9	322.18	348.94	145.23	4.7	2.2	2.13
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	2,288
- Cash & Cash Equivalents	28	25	65	56	68	68	73	64
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	3	1	1	57	64	96	105	141
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	2,365
Total Capital	30	20	47	84	73	118	193	311
Total Debt/Capital (%)	10.39	4	2.62	67.43	87.88	81.24	54.43	45.33
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	0.06
EV/Sales	- -	- -	- -	- -	- -	- -	- -	5.25
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	13.27
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	13.38
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	11.27
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	11.41
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	2,420
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	2,496
EV per Share	- -	- -	- -	- -	- -	- -	- -	70.19
TTM Sales	- -	11	45	83	126	159	271	450
TTM EBITDA	- -	-8	-21	-49	-28	23	83	178
TTM Operating Income	- -	-8	-22	-50	-48	22	68	163
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	-11	- -	210
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	-12	- -	207

Multiples (USD)

Valuation Multiples API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	11.68
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	13.38
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	2,365
Low Price	- -	- -	- -	- -	- -	- -	- -	44.26
EV/Sales	- -	- -	- -	- -	- -	- -	- -	5.25
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	13.27
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	17.24
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	23.86
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	47.64
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	11.24
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	13.47
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	18.64
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	37.23
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	8.78
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	13.74
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	19.02
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	37.97
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	8.96
Price/Sales	- -	- -	- -	- -	- -	- -	- -	5.1
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	7.05
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	14.09
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	3.32
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	10.94
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	15.13
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	30.21
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	7.13
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	16.16
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	32.26
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	7.61
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	7.2
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	14.21
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	3.48
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	18.2
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	35.91
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	8.8
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	18.34
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	36.19
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	8.87
Last Price	- -	- -	- -	- -	- -	- -	- -	67.91
High Price	- -	- -	- -	- -	- -	- -	- -	187.63
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	3,243
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	6,398
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	1,568

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	5	5	5	5	5	34	34	34
Diluted Weighted Avg Shares	1,067	18	29	32	33	34	36	36
Basic Weighted Avg Shares	1,067	18	29	32	33	34	34	34
Revenue per Share	- -	0.64	1.54	2.65	3.77	4.75	8.07	13.32
EBITDA per Share	- -	-0.43	-0.72	-1.57	-0.83	0.69	2.48	5.27
Operating Income per Share	- -	-0.44	-0.73	-1.58	-1.44	0.66	2.04	4.82
Basic EPS, GAAP	- -	-0.66	-0.85	-1.73	-1.14	0.21	2.34	3.94
Basic EPS from Cont Ops	- -	-0.66	-0.85	-1.73	-1.14	0.21	2.34	3.94
Diluted EPS, GAAP	- -	-0.66	-0.85	-1.73	-1.14	0.21	2.19	3.74
Diluted EPS from Cont Ops	- -	-0.66	-0.85	-1.73	-1.14	0.21	2.19	3.74
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	0.26	-0.77	3.89	6.21
Free Cash Flow per Basic Share	- -	- -	- -	- -	0.23	-0.81	3.84	6.13
Cash & Equivalents per Share	6.08	5.23	12.56	10.45	12.58	1.98	2.18	1.9
Book Value per Share	5.8	4.09	8.93	5.13	1.63	0.65	2.61	5.04
Tangible Book Value per Share	5.76	4.01	8.85	5	1.39	0.59	2.54	4.94