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SezzleSEZL -3.22%72 Return-on-Tangible-Asset is 48.43% as of Mar. 2026. GuruFocus rates SEZL with a GF Score™ of 72/100 and a GF Value™ of $74.69 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 546 Credit Services companies, Sezzle ranks better than 99.08% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Sezzle's annualizedNet Income for the quarter that ended in Mar. 2026 was $205.2 Mil. Sezzle's average total tangible assets for the quarter that ended in Mar. 2026 was $423.7 Mil. Therefore, Sezzle's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 48.43%.
The historical rank and industry rank for Sezzle's Return-on-Tangible-Asset or its related term are showing as below:
SEZL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -37.96 Med: -19.35 Max: 39.97
Current: 39.97
During the past 8 years, Sezzle's highest Return-on-Tangible-Asset was 39.97%. The lowest was -37.96%. And the median was -19.35%.
SEZL's Return-on-Tangible-Asset is ranked better than 99.08% of 546
companies
in the Credit Services industry
Industry Median: 1.94
vs SEZL: 39.97
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Sezzle Return-on-Tangible-Asset Related Terms
Sezzle Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Sezzle's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Sezzle's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Sezzle's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 48.43% mean?
Sezzle (SEZL) has a Return-on-Tangible-Asset of 48.43% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Sezzle and its competitors. According to the industry distribution chart, Sezzle ranks #5 out of 546 companies in the Credit Services industry, placing it in the top 0.90000000000001%.
Is Sezzle's Return-on-Tangible-Asset too high?
Sezzle's current Return-on-Tangible-Asset is 48.43%. The Credit Services industry median Return-on-Tangible-Asset is 1.94. Sezzle's value of 48.43% is 2396.4% above this industry median. Based on the distribution chart, Sezzle ranks #5 out of 546 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 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sezzle's Return-on-Tangible-Asset compare to ENVA and CACC?
According to the Credit Services industry distribution chart, Sezzle ranks #5 out of 546 companies for Return-on-Tangible-Asset. This places Sezzle in the top 1% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.94. Sezzle's value of 48.43% is 2396.4% 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.94, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sezzle's current Return-on-Tangible-Asset of 48.43% is 2396.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Sezzle and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sezzle's current Return-on-Tangible-Asset is 48.43%. 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 $74.69, compared to a current price of $153.89 — trading 106% above its estimated fair value. The current Return-on-Tangible-Asset is 48.43% and 2396.4% above the Credit Services industry median of 1.94. Sezzle's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Sezzle (SEZL), the current Return-on-Tangible-Asset is 48.43% 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 $153.89 is trading 106% above its estimated GF Value™ of $74.69.
GuruFocus considers Sezzle to be Significantly Overvalued.
Key valuation signals for SEZL:
Return-on-Tangible-Asset: 48.43%
GF Value™: $74.69 vs. price of $153.89 (106% above fair value)
Industry Position: 2396.4% above the Credit Services median (#5 of 546)
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
Get the complete analysis for SEZL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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