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SezzleSEZL -34.04%72 Debt-to-EBITDA is 0.58 as of Jun. 2026. GuruFocus rates SEZL with a GF Score™ of 72/100 and a GF Value™ of $75.61 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 285 Credit Services companies, Sezzle ranks better than 87.37% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Sezzle's Debt-to-EBITDA or its related term are showing as below:
SEZL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.36 Med: -0.06 Max: 13.5
Current: 0.79
During the past 8 years, the highest Debt-to-EBITDA Ratio of Sezzle was 13.50. The lowest was -1.36. And the median was -0.06.
SEZL's Debt-to-EBITDA is ranked better than 87.37% of 285
companies
in the Credit Services industry
Industry Median: 9
vs SEZL: 0.79
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Sezzle Debt-to-EBITDA Related Terms
Sezzle Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Sezzle's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Sezzle's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Sezzle Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Sezzle's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Sezzle (SEZL) has a Debt-to-EBITDA of 0.58 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Sezzle. According to the industry distribution chart, Sezzle ranks #36 out of 285 companies in the Credit Services industry, placing it in the top 12.6%.
Is Sezzle's Debt-to-EBITDA too high?
Sezzle's current Debt-to-EBITDA is 0.58. The Credit Services industry median Debt-to-EBITDA is 9.00. Sezzle's value of 0.58 is 93.6% below this industry median. Based on the distribution chart, Sezzle ranks #36 out of 285 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Sezzle has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sezzle's Debt-to-EBITDA compare to NNI and SLM?
According to the Credit Services industry distribution chart, Sezzle ranks #36 out of 285 companies for Debt-to-EBITDA. This places Sezzle in the top 13% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 9.00. Sezzle's value of 0.58 is 93.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.00, based on 285 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sezzle's current Debt-to-EBITDA of 0.58 is 93.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Sezzle. For the Credit Services industry, the median Debt-to-EBITDA is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sezzle's current Debt-to-EBITDA is 0.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sezzle stock overvalued right now?
Based on GuruFocus' analysis, Sezzle (SEZL) is currently considered Significantly Overvalued. The stock's GF Value™ is $75.61, compared to a current price of $118.02 — trading 56.1% above its estimated fair value. The current Debt-to-EBITDA is 0.58 and 93.6% below the Credit Services industry median of 9.00. Sezzle's overall GF Score™ is 72/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Sezzle (SEZL), the current Debt-to-EBITDA is 0.58 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Sezzle (SEZL) Overvalued in 2026?
Based on GuruFocus' analysis, Sezzle stock appears to be overvalued.
The current stock price of $118.02 is trading 56.1% above its estimated GF Value™ of $75.61.
GuruFocus considers Sezzle to be Significantly Overvalued.
Key valuation signals for SEZL:
Debt-to-EBITDA: 0.58
GF Value™: $75.61 vs. price of $118.02 (56.1% above fair value)
Industry Position: 93.6% below the Credit Services median (#36 of 285)
No single metric tells the full story. See the SEZL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sezzle Inc is a financing institution that offers technology-driven payment platform. The Sezzle Platform offers a payments solution for consumers in the United States and Canada that has the ability to instantly extend credit at the point-of-sale, allowing consumers to purchase and receive merchandise while paying in installments over time. Consumers pay a portion of the purchase price at the point-of-sale as a down payment, and then pay off the remaining amount over time through scheduled payments. It also offer the ability to pay-in-full using the Sezzle Platform. Its operations comprise one reportable segment, the majority of which derives revenue from payment processing platform in North America.
72GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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