SezzleSEZL +4.81%60 FCF Margin % is 64.84% as of Mar. 2026. GuruFocus rates SEZL with a GF Score™ of 60/100 and a GF Value™ of $72.70 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 531 Credit Services companies, Sezzle ranks better than 78.72% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Sezzle's Free Cash Flow for the
three
months ended in Mar. 2026 was $87.9 Mil. Sezzle's Revenue for the
three
months ended in Mar. 2026 was $135.5 Mil. Therefore, Sezzle's FCF Margin % for the quarter that ended in Mar. 2026 was 64.84%.
The historical rank and industry rank for Sezzle's FCF Margin % or its related term are showing as below:
SEZL'
s FCF Margin % Range Over the Past 10 Years
Min: -127.35 Med: -16.98 Max: 50.52
Current: 50.52
During the past 8 years, the highest FCF Margin % of Sezzle was 50.52%. The lowest was -127.35%. And the median was -16.98%.
SEZL's FCF Margin % is ranked better than 78.72% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs SEZL: 50.52
Sezzle FCF Margin % Related Terms
Sezzle FCF Margin % Historical Data
* Premium members only.
The historical data trend for Sezzle's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Sezzle's FCF Margin % falls into.
* 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 FCF Margin % of 64.84% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Sezzle and its competitors. According to the industry distribution chart, Sezzle ranks #113 out of 531 companies in the Credit Services industry, placing it in the top 21.3%.
Is Sezzle's FCF Margin % too high?
Sezzle's current FCF Margin % is 64.84%. The Credit Services industry median FCF Margin % is 0.24. Sezzle's value of 64.84% is 26916.7% above this industry median. Based on the distribution chart, Sezzle ranks #113 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Sezzle has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sezzle's FCF Margin % compare to ENVA and SLM?
According to the Credit Services industry distribution chart, Sezzle ranks #113 out of 531 companies for FCF Margin %. This places Sezzle in the top 21% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. Sezzle's value of 64.84% is 26916.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sezzle's current FCF Margin % of 64.84% is 26916.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Sezzle and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sezzle's current FCF Margin % is 64.84%. 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 $72.70, compared to a current price of $158.90 — trading 118.6% above its estimated fair value. The current FCF Margin % is 64.84% and 26916.7% above the Credit Services industry median of 0.24. Sezzle's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Sezzle (SEZL), the current FCF Margin % is 64.84% as of Mar. 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 $158.90 is trading 118.6% above its estimated GF Value™ of $72.70.
GuruFocus considers Sezzle to be Significantly Overvalued.
Key valuation signals for SEZL:
FCF Margin %: 64.84%
GF Value™: $72.70 vs. price of $158.90 (118.6% above fair value)
Industry Position: 26916.7% above the Credit Services median (#113 of 531)
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.
60GF Score
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