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SezzleSEZL -4.30%72 Net Debt Paydown Yield % is -0.80% as of Jul. 17, 2026. GuruFocus rates SEZL with a GF Score™ of 72/100 and a GF Value™ of $74.24 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 473 Credit Services companies, Sezzle ranks better than 61.52% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Sezzle's Net Debt Paydown Yield % was -0.80%.
Sezzle (NAS:SEZL) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
The historical data trend for Sezzle's Net Debt Paydown Yield % 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.
SEZL vs ENVA, CACC, NNI: Net Debt Paydown Yield % Comparison
For the Credit Services subindustry, Sezzle's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Sezzle's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of -0.80% mean?
Sezzle (SEZL) has a Net Debt Paydown Yield % of -0.80% as of Jul. 17, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Sezzle and its competitors. According to the industry distribution chart, Sezzle ranks #182 out of 473 companies in the Credit Services industry, placing it in the top 38.5%.
Is Sezzle's Net Debt Paydown Yield % too high?
Sezzle's current Net Debt Paydown Yield % is -0.80%. Based on the distribution chart, Sezzle ranks #182 out of 473 companies in the Credit Services industry, which is above 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 Net Debt Paydown Yield % compare to ENVA and CACC?
According to the Credit Services industry distribution chart, Sezzle ranks #182 out of 473 companies for Net Debt Paydown Yield %. This puts Sezzle in the upper 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 Net Debt Paydown Yield % for a Credit Services company?
A good Net Debt Paydown Yield % depends on the Credit Services industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Sezzle and its competitors. Sezzle's current Net Debt Paydown Yield % is -0.80%. 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 $74.24, compared to a current price of $180.44 — trading 143% above its estimated fair value. The current Net Debt Paydown Yield % is -0.80%. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Sezzle (SEZL), the current Net Debt Paydown Yield % is -0.80% as of Jul. 17, 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 $180.44 is trading 143% above its estimated GF Value™ of $74.24.
GuruFocus considers Sezzle to be Significantly Overvalued.
Key valuation signals for SEZL:
Net Debt Paydown Yield %: -0.80%
GF Value™: $74.24 vs. price of $180.44 (143% 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.
72GF Score
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Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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