3 models fit Sezzle Inc. Common Stock and they disagree: 0 of 3 land within 15% of the average.
Two or more of our models back this value.
Premium(i)Bronze53
Valued as a growth company: Discounted cash flow, P/E comparison, and EV/EBITDA comparison.
ACCE opinionSezzle Inc. Common Stock (SEZL)
Fair value (3 models)
$108
ACCE price target
$135
Rating
Overvalued
Horizon
12 months
Fair value published on 18 Oct 2026, 15:06 CEST; previously $160 since 14 Oct 2026, 00:00 CEST.
ACCE price target published on 11 Oct 2026, 00:00 CEST.
Rating published on 18 Oct 2026, 15:06 CEST.
Price used: $132 at the close on 23 Oct 2026, 22:00 CEST.
Models: Discounted cash flow, P/E comparison, and EV/EBITDA comparison.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
Price vs fair value
22.7% above
-18.5% to fair value
ACCE score
86
out of 100
Analysts
57% buy
7 covering
P/E
29.9x
forward 17.1x
1-year return
+73.4%
Dividend yield
0.00%
Sezzle Inc. Common Stock in four questions
Plain answers, details below
Free accounts get 5 full stock pages a month, including the four answers.
Overview
ACCE thesis
Sezzle runs a buy-now-pay-later platform that lets shoppers split purchases into installments at checkout across merchant partners, earning revenue from merchant fees and consumer subscriptions. Its edge is an integration-led merchant base and a mostly in-house underwriting engine, which has held up as revenue grew 51.7% and gross margin reached 75.0%. The near-term story is operating leverage: an operating margin of 57.2% and a trailing P/E of 28.6 against a forward P/E of 17.1 imply earnings are expected to roughly compress into a much lower multiple as growth carries through. Return on equity of 88.8% is striking but partly reflects a thin equity base, so it deserves scrutiny of credit losses and funding costs before it is taken at face value. With a $4.5B market cap and no index membership, it is a smaller name that may be under-owned, which makes it worth a deeper look.
⚠ Investor warnings · 3 flagsAI-assisted·How I use AI
high
Insider selling outweighs buying
Last 10 disclosed insider trades total $10.42M in sales against $0.04M in buys. Insiders own 46.6% of the company, so heavy selling is a meaningful signal.
moderate
Elevated short interest
Short interest stands at 22.1% of the float, a high level that points to significant bearish positioning and raises volatility risk.
moderate
Price well above model fair value
The stock trades 22.7% above the model fair value of $107.70, so the current price already leans on growth that has not yet materialised.
AI research notes
AI-assisted·How I use AIWritten Oct 21, 2026 · figures from 2026-06-30 · prices to Oct 23, 2026
Why it could do well
Revenue grew 51.7% year over year, and has averaged 50.3% growth per year over the last five years.
Sezzle kept 30.3% of revenue as profit, and earned a 35.1% return on invested capital.
Analysts' mean price target of $167.17 sits 28.4% above the current share price.
Why it could disappoint
The diluted share count rose 529.5% last fiscal year, which heavily dilutes existing shareholders.
At $132.12, the shares trade 22.7% above the model fair value of $107.70.
The stock trades at 19.6x forward earnings, against a sector median of 11.9x, and the key risk is BNPL credit losses.
Each chip shows the exact figure and where it comes from. A claim without a source is not published.
Next results
Nov 4, 2026
We update the fair value about 2 days after the results, once the new figures are filed.Add to calendarGoogle
Walk me through this stock
Plain-English pros, cons, and what to watch. Pro feature.
PRO
Ask ACCE
Valuation
INVESTOR
Where SEZL's valuation models land
Price
$132.12
Model fair value
$108
Model range
$62.55 to $187
Fair value $108
Price $132
The price sits inside the model range.
Model
Fair value
Upside
Discounted cash flow
EV/EBITDA comparison
P/E comparison
Create a free account: 5 full stock pages a month, no card.
See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.
Quality
INVESTOR
Quality and conviction INVESTOR FEATURE
The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.
+A plain reason under every score
+Conviction breakdown and growth / value / quality / momentum scores