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SezzleSEZL -1.06%82 Earnings Yield (Joel Greenblatt) % is 3.45% as of Jun. 2026, which is 18% above its 10-year median of 2.92. GuruFocus rates SEZL with a GF Score™ of 82/100 and a GF Value™ of $88.50 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 548 Credit Services companies, Sezzle ranks better than 73.72% on this metric.
Sezzle's Enterprise Value for the quarter that ended in Jun. 2026 was $5,820.3 Mil.
Sezzle's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was $200.9 Mil. Sezzle's Earnings Yield (Joel Greenblatt) for the quarter that ended in Jun. 2026 was 3.45%.
The historical rank and industry rank for Sezzle's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
SEZL'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: -3542.69 Med: 2.92 Max: 10.36
Current: 4.75
During the past 8 years, the highest Earnings Yield (Joel Greenblatt) of Sezzle was 10.36%. The lowest was -3542.69%. And the median was 2.92%.
SEZL's Earnings Yield (Joel Greenblatt) % is ranked better than 73.72% of 548
companies
in the Credit Services industry
Industry Median: 0.88
vs SEZL: 4.75
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Sezzle's Forward Rate of Return (Yacktman) % for the quarter that ended in Jun. 2026 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Sezzle Earnings Yield (Joel Greenblatt) % Related Terms
Sezzle Earnings Yield (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Sezzle's Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Sezzle's Earnings Yield (Joel Greenblatt) % falls into.
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Sezzles Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
Sezzle's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $200.9 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 3.45% mean?
Sezzle (SEZL) has a Earnings Yield (Joel Greenblatt) % of 3.45% as of Jun. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Sezzle and its competitors. This is 18% above median its historical median of 2.92. According to the industry distribution chart, Sezzle ranks #144 out of 548 companies in the Credit Services industry, placing it in the top 26.3%.
Is Sezzle's Earnings Yield (Joel Greenblatt) % too high?
Sezzle's current Earnings Yield (Joel Greenblatt) % of 3.45% is 18% above median its 10-year median of 2.92. The Credit Services industry median Earnings Yield (Joel Greenblatt) % is 0.88. Sezzle's value of 3.45% is 292% above this industry median. Based on the distribution chart, Sezzle ranks #144 out of 548 companies in the Credit Services industry, which is above the industry midpoint. Overall, Sezzle has a GF Score™ of 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sezzle's Earnings Yield (Joel Greenblatt) % compare to NNI and SLM?
According to the Credit Services industry distribution chart, Sezzle ranks #144 out of 548 companies for Earnings Yield (Joel Greenblatt) %. This puts Sezzle in the upper half of its industry. The industry median Earnings Yield (Joel Greenblatt) % is 0.88. Sezzle's value of 3.45% is 292% above this benchmark. While the company's 10-year median is 2.92 vs. the industry median of 0.88, Sezzle has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings Yield (Joel Greenblatt) % for a Credit Services company?
The median Earnings Yield (Joel Greenblatt) % among Credit Services companies is 0.88, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sezzle's current Earnings Yield (Joel Greenblatt) % of 3.45% is 292% above 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Sezzle and its competitors. For the Credit Services industry, the median Earnings Yield (Joel Greenblatt) % is 0.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sezzle's current Earnings Yield (Joel Greenblatt) % is 3.45%, which is 18% above median its own 10-year median of 2.92. 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 $88.50, compared to a current price of $124.47 — trading 40.6% above its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 3.45%, which is 18% above median its 10-year median of 2.92 and 292% above the Credit Services industry median of 0.88. Sezzle's overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Sezzle (SEZL), the current Earnings Yield (Joel Greenblatt) % is 3.45% 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 $124.47 is trading 40.6% above its estimated GF Value™ of $88.50.
GuruFocus considers Sezzle to be Significantly Overvalued.
Key valuation signals for SEZL:
Earnings Yield (Joel Greenblatt) %: 3.45% (18% above median its 10-year median of 2.92)
GF Value™: $88.50 vs. price of $124.47 (40.6% above fair value)
Industry Position: 292% above the Credit Services median (#144 of 548)
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.
82GF Score
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Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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