Sezzle Inc. (SEZL): one to watch?

Interesting but risky — a real business slowdown warning, not fraud, though BNPL/subprime lending risk and past short-seller flags remain unresolved.

👀 WATCH Fundamentals93/100

Fell 34% in 2 trading day(s) — now $118.02

Why SEZL dropped

Sezzle beat Q2 2026 estimates on revenue and profit, but the stock crashed because management guided to revenue growth slowing to roughly 30% in H2 from 51.7% in Q2, and the stock was already priced for perfection near all-time highs after analyst downgrades on valuation grounds.

Fwd P/E 17.8Op margin 57.2%Rev growth 51.7%Debt/equity 52.4%Analyst upside 42.3%

How this scored 93/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 30.3%

✅ Generates cash Free cash flow $101M

✅ Not drowning in debt Debt/equity 52.4% — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 25/25

Operating margin 57.2% 9/9

Net profit margin 30.3% 8/8

Return on equity 88.9% 8/8

Growth Is it getting bigger, or dying? 25/25

Revenue growth 51.7% 9/9

Earnings growth 50.0% 8/8

Expected profit change 45.8% 8/8

Value Is it cheap right now? 20/25

Forward P/E 17.8 7/10

PEG ratio 0.1 8/8

Analyst target upside 42.3% 5/7

Balance sheet Will it survive? 23/25

Debt / equity 52.4% 8/10

Current ratio 4.0 8/8

Free cash flow $101M 7/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-08-10. Research only — not financial advice.