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SezzleSEZL -0.70%76 EV-to-EBITDA is 21.64 as of Aug. 15, 2026, which is 29% above its 10-year median of 16.82. GuruFocus rates SEZL with a GF Score™ of 76/100 and a GF Value™ of $87.50 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 329 Credit Services companies, Sezzle ranks worse than 50.76% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Sezzle's enterprise value is $4,385.1 Mil.
Sezzle's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was $202.6 Mil. Therefore, Sezzle's EV-to-EBITDA for today is 21.64.
The historical rank and industry rank for Sezzle's EV-to-EBITDA or its related term are showing as below:
SEZL'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -175 Med: 16.82 Max: 72.62
Current: 21.64
During the past 8 years, the highest EV-to-EBITDA of Sezzle was 72.62. The lowest was -175.00. And the median was 16.82.
SEZL's EV-to-EBITDA is ranked worse than 50.76% of 329
companies
in the Credit Services industry
Industry Median: 21.24
vs SEZL: 21.64
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
As of today (2026-08-15), Sezzle's stock price is $128.96.
Sezzle's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $4.560. Therefore, Sezzle's PE Ratio (TTM) for today is 28.28.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Sezzle's share price for today is $128.96.
Sezzle's Earnings per Share (Diluted) 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 $4.560.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Sezzle's EV-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 EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Sezzle's EV-to-EBITDA falls into.
Sezzle's current Enterprise Value is $4,385.1 Mil.
Sezzle's EBITDA 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 $202.6 Mil.
* 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.
Sezzle (SEZL) has a EV-to-EBITDA of 21.64 as of Aug. 15, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Sezzle. This is 29% above median its historical median of 16.82. According to the industry distribution chart, Sezzle ranks #167 out of 329 companies in the Credit Services industry, placing it in the top 50.8%.
Is Sezzle's EV-to-EBITDA too high?
Sezzle's current EV-to-EBITDA of 21.64 is 29% above median its 10-year median of 16.82. The Credit Services industry median EV-to-EBITDA is 21.24. Sezzle's value of 21.64 is 1.9% above this industry median. Based on the distribution chart, Sezzle ranks #167 out of 329 companies in the Credit Services industry, which is below the industry midpoint. Overall, Sezzle has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sezzle's EV-to-EBITDA compare to NNI and SLM?
According to the Credit Services industry distribution chart, Sezzle ranks #167 out of 329 companies for EV-to-EBITDA. This places Sezzle in the lower half of its industry. The industry median EV-to-EBITDA is 21.24. Sezzle's value of 21.64 is 1.9% above this benchmark. While the company's 10-year median is 16.82 vs. the industry median of 21.24, 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.24, based on 329 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sezzle's current EV-to-EBITDA of 21.64 is 1.9% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Sezzle. For the Credit Services industry, the median EV-to-EBITDA is 21.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sezzle's current EV-to-EBITDA is 21.64, which is 29% above median its own 10-year median of 16.82. 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 $87.50, compared to a current price of $128.96 — trading 47.4% above its estimated fair value. The current EV-to-EBITDA is 21.64, which is 29% above median its 10-year median of 16.82 and 1.9% above the Credit Services industry median of 21.24. Sezzle's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Sezzle (SEZL), the current EV-to-EBITDA is 21.64 as of Aug. 15, 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 $128.96 is trading 47.4% above its estimated GF Value™ of $87.50.
GuruFocus considers Sezzle to be Significantly Overvalued.
Key valuation signals for SEZL:
EV-to-EBITDA: 21.64 (29% above median its 10-year median of 16.82)
GF Value™: $87.50 vs. price of $128.96 (47.4% above fair value)
Industry Position: 1.9% above the Credit Services median (#167 of 329)
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.
76GF Score
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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