SezzleSEZL +4.17%60 Gross Margin % is 73.29% as of Mar. 2026, which is 29% above its 10-year median of 56.89. GuruFocus rates SEZL with a GF Score™ of 60/100 and a GF Value™ of $72.83 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 387 Credit Services companies, Sezzle ranks better than 73.39% on this metric.
Gross Margin % is calculated as gross profit divided by its revenue. Sezzle's Gross Profit for the
three
months ended in Mar. 2026 was $99.3 Mil. Sezzle's Revenue for the
three
months ended in Mar. 2026 was $135.5 Mil. Therefore, Sezzle's Gross Margin % for the quarter that ended in Mar. 2026 was 73.29%.
The historical rank and industry rank for Sezzle's Gross Margin % or its related term are showing as below:
SEZL'
s Gross Margin % Range Over the Past 10 Years
Min: 19.89 Med: 56.89 Max: 71.36
Current: 71.36
During the past 8 years, the highestGross Margin % of Sezzle was 71.36%. The lowest was 19.89%. And the median was 56.89%.
SEZL's Gross Margin % is ranked better than 73.39% of 387
companies
in the Credit Services industry
Industry Median: 51.88
vs SEZL: 71.36
Sezzle had a gross margin of 73.29% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Sezzle was 0.00% per year.
Sezzle (NAS:SEZL) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Sezzle had a gross margin of 73.29% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Sezzle Gross Margin % Related Terms
Sezzle Gross Margin % Historical Data
* Premium members only.
The historical data trend for Sezzle's Gross 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 Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Sezzle's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Sezzle (SEZL) has a Gross Margin % of 73.29% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Sezzle and its competitors. This is 29% above median its historical median of 56.89. Over the past decade, Sezzle's Gross Margin % has ranged from 19.89 to 71.36. According to the industry distribution chart, Sezzle ranks #103 out of 387 companies in the Credit Services industry, placing it in the top 26.6%.
Is Sezzle's Gross Margin % too high?
Sezzle's current Gross Margin % of 73.29% is 29% above median its 10-year median of 56.89. Over the past 10 years, this metric has ranged from a low of 19.89 to a high of 71.36. The Credit Services industry median Gross Margin % is 51.88. Sezzle's value of 73.29% is 41.3% above this industry median. Based on the distribution chart, Sezzle ranks #103 out of 387 companies in the Credit Services industry, which is above the industry midpoint. 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 Gross Margin % compare to ENVA and SLM?
According to the Credit Services industry distribution chart, Sezzle ranks #103 out of 387 companies for Gross Margin %. This puts Sezzle in the upper half of its industry. The industry median Gross Margin % is 51.88. Sezzle's value of 73.29% is 41.3% above this benchmark. Historically, Sezzle's own Gross Margin % has ranged from 19.89 to 71.36 over the past decade. While the company's 10-year median is 56.89 vs. the industry median of 51.88, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.88, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sezzle's current Gross Margin % of 73.29% is 41.3% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Sezzle and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sezzle's current Gross Margin % is 73.29%, which is 29% above median its own 10-year median of 56.89. 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 $72.83, compared to a current price of $170.56 — trading 134.2% above its estimated fair value. The current Gross Margin % is 73.29%, which is 29% above median its 10-year median of 56.89 and 41.3% above the Credit Services industry median of 51.88. Sezzle's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Sezzle (SEZL), the current Gross Margin % is 73.29% 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 $170.56 is trading 134.2% above its estimated GF Value™ of $72.83.
GuruFocus considers Sezzle to be Significantly Overvalued.
Key valuation signals for SEZL:
Gross Margin %: 73.29% (29% above median its 10-year median of 56.89)
GF Value™: $72.83 vs. price of $170.56 (134.2% above fair value)
Industry Position: 41.3% above the Credit Services median (#103 of 387)
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.
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