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SEZL

9/9 Score

Sezzle Inc.

Analysis Date: February 26, 2026

Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company provides payment solution at online stores and various brick-and-mortar retail locations that connects consumers with merchants. Its platform enables customers to make online purchases and split the payment for the purchase in four equal interest free payments over six weeks. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.

Buffettology Criteria

All 9 of 9 criteria passed

  • High ROE

    Return on Equity > 12%

    Value: 91.6%

  • High ROIC

    Return on Invested Capital > 9%

    Value: 49.2%

  • Cash Machine

    FCF / Assets > 5%

    Value: 70.1%

  • Fair Valuation

    Earnings Yield > 3.5%

    Value: 5.9%

  • Share Buybacks

    Share Count is Dropping

    Value: -5.5%

  • Defensible Moat

    Gross Profit Margin > 40%

    Value: 54.8%

  • Simple Business

    Not in a speculative sector (e.g., Biotech)

    Value: Financial Services

  • Conservative Debt

    Debt to Equity < 1.5

    Value: 0.83x

  • Consistent Growth

    5-Year Growth is Positive

    Value: 457.6%

Analysis Summary

This looks like a business that’s been delivering consistently for shareholders. The high returns on capital, a strong cash-generating ability, and a seemingly defensible position in financial services paint a picture of a company operating with a wide moat and efficient capital allocation, including a sensible approach to buybacks. When you find a company passing nearly all these checks, it’s certainly worth a closer look for the long haul.

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