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SezzleSEZL -4.30%72 3-Year ROIIC % is 71.05 as of Dec. 2025, which is 38% below its 10-year median of 115.28. 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 392 Credit Services companies, Sezzle ranks better than 93.11% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Sezzle's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 71.05%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Sezzle's 3-Year ROIIC % or its related term are showing as below:
SEZL's 3-Year ROIIC % is ranked better than 93.11% of 392
companies
in the Credit Services industry
Industry Median: 2.76
vs SEZL: 71.05
Sezzle (NAS:SEZL) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Sezzle 3-Year ROIIC % Related Terms
Sezzle 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Sezzle's 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Sezzle's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sezzle's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Sezzle's 3-Year ROIIC % falls into.
Sezzle's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 133.0302864 (Dec. 2025) - -48.035 (Dec. 2022) )
/
( 261.545 (Dec. 2025) - 6.698 (Dec. 2022) )
=
181.0652864
/
254.847
=
71.05%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Sezzle (SEZL) has a 3-Year ROIIC % of 71.05 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Sezzle and its competitors. This is 38% below median its historical median of 115.28. Over the past decade, Sezzle's 3-Year ROIIC % has ranged from 46.68 to 396.40. According to the industry distribution chart, Sezzle ranks #27 out of 392 companies in the Credit Services industry, placing it in the top 6.9%.
Is Sezzle's 3-Year ROIIC % too high?
Sezzle's current 3-Year ROIIC % of 71.05 is 38% below median its 10-year median of 115.28. Over the past 10 years, this metric has ranged from a low of 46.68 to a high of 396.40. The Credit Services industry median 3-Year ROIIC % is 2.76. Sezzle's value of 71.05 is 2474.3% above this industry median. Based on the distribution chart, Sezzle ranks #27 out of 392 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 3-Year ROIIC % compare to ENVA and CACC?
According to the Credit Services industry distribution chart, Sezzle ranks #27 out of 392 companies for 3-Year ROIIC %. This places Sezzle in the top 7% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.76. Sezzle's value of 71.05 is 2474.3% above this benchmark. Historically, Sezzle's own 3-Year ROIIC % has ranged from 46.68 to 396.40 over the past decade. While the company's 10-year median is 115.28 vs. the industry median of 2.76, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.76, based on 392 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sezzle's current 3-Year ROIIC % of 71.05 is 2474.3% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Sezzle and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sezzle's current 3-Year ROIIC % is 71.05, which is 38% below median its own 10-year median of 115.28. 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 3-Year ROIIC % is 71.05, which is 38% below median its 10-year median of 115.28 and 2474.3% above the Credit Services industry median of 2.76. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Sezzle (SEZL), the current 3-Year ROIIC % is 71.05 as of Dec. 2025. 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:
3-Year ROIIC %: 71.05 (38% below median its 10-year median of 115.28)
GF Value™: $74.24 vs. price of $180.44 (143% above fair value)
Industry Position: 2474.3% above the Credit Services median (#27 of 392)
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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