SezzleSEZL +4.83%60 Net Margin % is 37.85% 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 534 Credit Services companies, Sezzle ranks better than 73.97% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Sezzle's Net Income for the
three
months ended in Mar. 2026 was $51.3 Mil. Sezzle's Revenue for the
three
months ended in Mar. 2026 was $135.5 Mil. Therefore, Sezzle's net margin for the quarter that ended in Mar. 2026 was 37.85%.
The historical rank and industry rank for Sezzle's Net Margin % or its related term are showing as below:
SEZL'
s Net Margin % Range Over the Past 10 Years
Min: -103.34 Med: -30.34 Max: 30.83
Current: 30.83
SEZL's Net Margin % is ranked better than 73.97% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs SEZL: 30.83
Sezzle (NAS:SEZL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Sezzle Net Margin % Related Terms
Sezzle Net Margin % Historical Data
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The historical data trend for Sezzle's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's Net Margin % distribution charts can be found below:
* The bar in red indicates where Sezzle's Net 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 Net Margin % of 37.85% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Sezzle and its competitors. According to the industry distribution chart, Sezzle ranks #139 out of 534 companies in the Credit Services industry, placing it in the top 26%.
Is Sezzle's Net Margin % too high?
Sezzle's current Net Margin % is 37.85%. The Credit Services industry median Net Margin % is 14.52. Sezzle's value of 37.85% is 160.7% above this industry median. Based on the distribution chart, Sezzle ranks #139 out of 534 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 Net Margin % compare to ENVA and SLM?
According to the Credit Services industry distribution chart, Sezzle ranks #139 out of 534 companies for Net Margin %. This puts Sezzle in the upper half of its industry. The industry median Net Margin % is 14.52. Sezzle's value of 37.85% is 160.7% 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sezzle's current Net Margin % of 37.85% is 160.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Sezzle and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sezzle's current Net Margin % is 37.85%. 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 $158.93 — trading 118.6% above its estimated fair value. The current Net Margin % is 37.85% and 160.7% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Sezzle (SEZL), the current Net Margin % is 37.85% 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 $158.93 is trading 118.6% above its estimated GF Value™ of $72.70.
GuruFocus considers Sezzle to be Significantly Overvalued.
Key valuation signals for SEZL:
Net Margin %: 37.85%
GF Value™: $72.70 vs. price of $158.93 (118.6% above fair value)
Industry Position: 160.7% above the Credit Services median (#139 of 534)
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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