SezzleFRA:0SE0 +1.85%72 EV-to-FCF is 25.54 as of Jul. 07, 2026, which is 110% above its 10-year median of 12.16. GuruFocus rates FRA:0SE0 with a GF Score™ of 72/100 and a GF Value™ of €64.46 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 265 Credit Services companies, Sezzle ranks worse than 64.53% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Sezzle's Enterprise Value is €5,311.1 Mil.
Sezzle's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €208.0 Mil. Therefore, Sezzle's EV-to-FCF for today is 25.54.
The historical rank and industry rank for Sezzle's EV-to-FCF or its related term are showing as below:
FRA:0SE0'
s EV-to-FCF Range Over the Past 10 Years
Min: -26.82 Med: 12.16 Max: 226.49
Current: 24.9
During the past 8 years, the highest EV-to-FCF of Sezzle was 226.49. The lowest was -26.82. And the median was 12.16.
FRA:0SE0's EV-to-FCF is ranked worse than 64.53% of 265
companies
in the Credit Services industry
Industry Median: 13.6
vs FRA:0SE0: 24.90
EV-to-FCF 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 (2026-07-07), Sezzle's stock price is €156.95.
Sezzle's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was €3.586. Therefore, Sezzle's PE Ratio (TTM) for today is 43.77.
Sezzle (FRA:0SE0) EV-to-FCF Explanation
EV-to-FCF 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 €156.95.
Sezzle's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3.586.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Sezzle EV-to-FCF Related Terms
Sezzle EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Sezzle's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Sezzle's EV-to-FCF falls into.
Sezzle's current Enterprise Value is €5,311.1 Mil.
Sezzle's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €208.0 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 (FRA:0SE0) has a EV-to-FCF of 25.54 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sezzle and its competitors. This is 110% above median its historical median of 12.16. According to the industry distribution chart, Sezzle ranks #171 out of 265 companies in the Credit Services industry, placing it in the top 64.5%.
Is Sezzle's EV-to-FCF too high?
Sezzle's current EV-to-FCF of 25.54 is 110% above median its 10-year median of 12.16. The Credit Services industry median EV-to-FCF is 13.60. Sezzle's value of 25.54 is 87.8% above this industry median. Based on the distribution chart, Sezzle ranks #171 out of 265 companies in the Credit Services industry, which is below the industry midpoint. 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 EV-to-FCF compare to ENVA and CACC?
According to the Credit Services industry distribution chart, Sezzle ranks #171 out of 265 companies for EV-to-FCF. This places Sezzle in the lower half of its industry. The industry median EV-to-FCF is 13.60. Sezzle's value of 25.54 is 87.8% above this benchmark. While the company's 10-year median is 12.16 vs. the industry median of 13.60, 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-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.60, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sezzle's current EV-to-FCF of 25.54 is 87.8% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sezzle and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sezzle's current EV-to-FCF is 25.54, which is 110% above median its own 10-year median of 12.16. 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 (FRA:0SE0) is currently considered Significantly Overvalued. The stock's GF Value™ is €64.46, compared to a current price of €156.95 — trading 143.5% above its estimated fair value. The current EV-to-FCF is 25.54, which is 110% above median its 10-year median of 12.16 and 87.8% above the Credit Services industry median of 13.60. Sezzle's overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Sezzle (FRA:0SE0), the current EV-to-FCF is 25.54 as of Jul. 07, 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 (FRA:0SE0) Overvalued in 2026?
Based on GuruFocus' analysis, Sezzle stock appears to be overvalued.
The current stock price of €156.95 is trading 143.5% above its estimated GF Value™ of €64.46.
GuruFocus considers Sezzle to be Significantly Overvalued.
Key valuation signals for FRA:0SE0:
EV-to-FCF: 25.54 (110% above median its 10-year median of 12.16)
GF Value™: €64.46 vs. price of €156.95 (143.5% above fair value)
Industry Position: 87.8% above the Credit Services median (#171 of 265)
No single metric tells the full story. See the FRA:0SE0 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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