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SezzleSEZL +6.10%82 EV-to-OCF is 15.00 as of Sep. 03, 2026, which is 23% above its 10-year median of 12.17. GuruFocus rates SEZL with a GF Score™ of 82/100 and a GF Value™ of $88.96 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 543 Credit Services companies, Sezzle ranks worse than 76.61% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Sezzle's Enterprise Value is $4,133.9 Mil.
Sezzle's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $275.6 Mil. Therefore, Sezzle's EV-to-OCF for today is 15.00.
The historical rank and industry rank for Sezzle's EV-to-OCF or its related term are showing as below:
SEZL'
s EV-to-OCF Range Over the Past 10 Years
Min: -34.42 Med: 12.17 Max: 174.1
Current: 15
During the past 8 years, the highest EV-to-OCF of Sezzle was 174.10. The lowest was -34.42. And the median was 12.17.
SEZL's EV-to-OCF is ranked worse than 76.61% of 543
companies
in the Credit Services industry
Industry Median: -0.08
vs SEZL: 15.00
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
As of today (2026-09-03), Sezzle's stock price is $121.62.
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 26.67.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $121.62.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Sezzle EV-to-OCF Related Terms
Sezzle EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Sezzle's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Sezzle's EV-to-OCF falls into.
Sezzle's current Enterprise Value is $4,133.9 Mil.
Sezzle's Cash Flow from Operations 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 $275.6 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-OCF of 15.00 as of Sep. 03, 2026. This is 23% above median its historical median of 12.17. According to the industry distribution chart, Sezzle ranks #416 out of 543 companies in the Credit Services industry, placing it in the top 76.6%.
Is Sezzle's EV-to-OCF too high?
Sezzle's current EV-to-OCF of 15.00 is 23% above median its 10-year median of 12.17. Based on the distribution chart, Sezzle ranks #416 out of 543 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 EV-to-OCF compare to BFH and NNI?
According to the Credit Services industry distribution chart, Sezzle ranks #416 out of 543 companies for EV-to-OCF. This places Sezzle in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Sezzle's current EV-to-OCF is 15.00, which is 23% above median its own 10-year median of 12.17. 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 $88.96, compared to a current price of $121.62 — trading 36.7% above its estimated fair value. The current EV-to-OCF is 15.00, which is 23% above median its 10-year median of 12.17. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Sezzle (SEZL), the current EV-to-OCF is 15.00 as of Sep. 03, 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 $121.62 is trading 36.7% above its estimated GF Value™ of $88.96.
GuruFocus considers Sezzle to be Significantly Overvalued.
Key valuation signals for SEZL:
EV-to-OCF: 15.00 (23% above median its 10-year median of 12.17)
GF Value™: $88.96 vs. price of $121.62 (36.7% above fair value)
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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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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