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SezzleSEZL -3.55%81 Equity-to-Asset is 0.51 as of Jun. 2026, which is 96% above its 10-year median of 0.26. GuruFocus rates SEZL with a GF Score™ of 81/100 and a GF Value™ of $94.03 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 555 Credit Services companies, Sezzle ranks better than 59.64% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Sezzle's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $233.0 Mil. Sezzle's Total Assets for the quarter that ended in Jun. 2026 was $456.5 Mil.
Therefore, Sezzle's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.51.
The historical rank and industry rank for Sezzle's Equity-to-Asset or its related term are showing as below:
SEZL'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0 Med: 0.26 Max: 0.84
Current: 0.51
During the past 9 years, the highest Equity to Asset Ratio of Sezzle was 0.84. The lowest was 0.00. And the median was 0.26.
SEZL's Equity-to-Asset is ranked better than 59.64% of 555
companies
in the Credit Services industry
Industry Median: 0.4
vs SEZL: 0.51
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Sezzle Equity-to-Asset Related Terms
Sezzle Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Sezzle's Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Sezzle's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Sezzle's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.51 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Sezzle and its competitors. This is 96% above median its historical median of 0.26. According to the industry distribution chart, Sezzle ranks #224 out of 555 companies in the Credit Services industry, placing it in the top 40.4%.
Is Sezzle's Equity-to-Asset too high?
Sezzle's current Equity-to-Asset of 0.51 is 96% above median its 10-year median of 0.26. The Credit Services industry median Equity-to-Asset is 0.40. Sezzle's value of 0.51 is 27.5% above this industry median. Based on the distribution chart, Sezzle ranks #224 out of 555 companies in the Credit Services industry, which is above the industry midpoint. Overall, Sezzle has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sezzle's Equity-to-Asset compare to BFH and NNI?
According to the Credit Services industry distribution chart, Sezzle ranks #224 out of 555 companies for Equity-to-Asset. This puts Sezzle in the upper half of its industry. The industry median Equity-to-Asset is 0.40. Sezzle's value of 0.51 is 27.5% above this benchmark. While the company's 10-year median is 0.26 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 555 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sezzle's current Equity-to-Asset of 0.51 is 27.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Sezzle and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sezzle's current Equity-to-Asset is 0.51, which is 96% above median its own 10-year median of 0.26. 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 Modestly Overvalued. The stock's GF Value™ is $94.03, compared to a current price of $112.42 — trading 19.6% above its estimated fair value. The current Equity-to-Asset is 0.51, which is 96% above median its 10-year median of 0.26 and 27.5% above the Credit Services industry median of 0.40. Sezzle's overall GF Score™ is 81/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Sezzle (SEZL), the current Equity-to-Asset is 0.51 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 $112.42 is trading 19.6% above its estimated GF Value™ of $94.03.
GuruFocus considers Sezzle to be Modestly Overvalued.
Key valuation signals for SEZL:
Equity-to-Asset: 0.51 (96% above median its 10-year median of 0.26)
GF Value™: $94.03 vs. price of $112.42 (19.6% above fair value)
Industry Position: 27.5% above the Credit Services median (#224 of 555)
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.
81GF Score
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