Sezzle Inc. (SEZL) - Net Assets
Based on the latest financial reports, Sezzle Inc. (SEZL) has net assets worth $155.27 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($366.96 Million) and total liabilities ($211.69 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Explore SEZL cash generation efficiency to assess how effectively this company generates cash.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $155.27 Million |
| % of Total Assets | 42.31% |
| Annual Growth Rate | 88.97% |
| 5-Year Change | 46.49% |
| 10-Year Change | N/A |
| Growth Volatility | 186.71 |
Sezzle Inc. - Net Assets Trend (2017–2024)
This chart illustrates how Sezzle Inc.'s net assets have evolved over time, based on quarterly financial data. Also explore how large is Sezzle Inc.'s balance sheet for the complete picture of this company's asset base.
Annual Net Assets for Sezzle Inc. (2017–2024)
The table below shows the annual net assets of Sezzle Inc. from 2017 to 2024. For live valuation and market cap data, see SEZL market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $87.84 Million | +297.55% |
| 2023-12-31 | $22.09 Million | +149.84% |
| 2022-12-31 | $8.84 Million | -76.60% |
| 2021-12-31 | $37.79 Million | -36.97% |
| 2020-12-31 | $59.96 Million | +119.45% |
| 2019-12-31 | $27.32 Million | +416.42% |
| 2018-12-31 | $5.29 Million | +418.60% |
| 2017-12-31 | $1.02 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Sezzle Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 8751021700.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $2.08K | 0.00% |
| Other Comprehensive Income | $-1.59 Million | -1.81% |
| Other Components | $179.20 Million | 204.01% |
| Total Equity | $87.84 Million | 100.00% |
Sezzle Inc. Competitors by Market Cap
The table below lists competitors of Sezzle Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Zibo Qixiang Tengda Chemical Co Ltd
SHE:002408
|
$2.19 Billion |
|
Diamondrock Hospitality Company Common Stock
NYSE:DRH
|
$2.19 Billion |
|
Nanjing Yunhai Special Metals Co Ltd
SHE:002182
|
$2.19 Billion |
|
Banque Cantonale de Geneve
SW:BCGE
|
$2.19 Billion |
|
Shenzhen Click Technology Co Ltd
SHE:002782
|
$2.19 Billion |
|
LeMaitre Vascular Inc
NASDAQ:LMAT
|
$2.19 Billion |
|
KEYMED BIOSCIENCES -0001
F:64Z
|
$2.19 Billion |
|
Weichai Heavy Machinery Co Ltd
SHE:000880
|
$2.19 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Sezzle Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 22,094,324 to 87,835,429, a change of 65,741,105 (297.5%).
- Net income of 78,522,311 contributed positively to equity growth.
- Share repurchases of 23,619,879 reduced equity.
- Other comprehensive income decreased equity by 940,794.
- Other factors increased equity by 11,779,467.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $78.52 Million | +89.4% |
| Share Repurchases | $23.62 Million | -26.89% |
| Other Comprehensive Income | $-940.79K | -1.07% |
| Other Changes | $11.78 Million | +13.41% |
| Total Change | $- | 297.55% |
Book Value vs Market Value Analysis
This analysis compares Sezzle Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 7.50x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | $-0.26 | $116.05 | x |
| 2018-12-31 | $0.56 | $116.05 | x |
| 2019-12-31 | $1.55 | $116.05 | x |
| 2020-12-31 | $2.03 | $116.05 | x |
| 2021-12-31 | $1.19 | $116.05 | x |
| 2022-12-31 | $0.27 | $116.05 | x |
| 2023-12-31 | $0.65 | $116.05 | x |
| 2024-12-31 | $15.47 | $116.05 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Sezzle Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 89.40%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 28.96%
- • Asset Turnover: 0.91x
- • Equity Multiplier: 3.40x
- Recent ROE (89.40%) is above the historical average (-87.67%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 0.00% | -6029.33% | 0.02x | 0.00x | $-1.55 Million |
| 2018 | -79.26% | -256.95% | 0.13x | 2.37x | $-4.72 Million |
| 2019 | -60.74% | -103.34% | 0.25x | 2.36x | $-19.33 Million |
| 2020 | -53.20% | -54.26% | 0.34x | 2.90x | $-37.89 Million |
| 2021 | -198.90% | -90.32% | 0.37x | 5.91x | $-78.95 Million |
| 2022 | -430.77% | -30.34% | 0.73x | 19.52x | $-38.98 Million |
| 2023 | 32.13% | 4.45% | 0.75x | 9.62x | $4.89 Million |
| 2024 | 89.40% | 28.96% | 0.91x | 3.40x | $69.74 Million |
Industry Comparison
This section compares Sezzle Inc.'s net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $2,812,810,956
- Average return on equity (ROE) among peers: 17.22%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Sezzle Inc. (SEZL) | $155.27 Million | 0.00% | 1.36x | $2.19 Billion |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $16.59 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $134.44 Million | 12.11% | 24.42x | $1.66 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $47.20 Million | 1.69% | 11.77x | $141.22 Million |
| AIOS Tech Inc. (AIOS) | $9.66 Million | 31.61% | 1.19x | $3.53 Million |
| Ally Financial Inc (ALLY) | $13.90 Billion | 4.80% | 12.80x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $182.10 Million |
| Atlanticus Holdings Corporation (ATLC) | $116.51 Million | 80.78% | 9.36x | $1.28 Billion |
| American Express Company (AXP) | $7.46 Billion | 10.57% | 18.62x | $213.25 Billion |
| Bread Financial Holdings, Inc. (BFH) | $2.92 Billion | 24.61% | 6.93x | $3.53 Billion |
| Credit Acceptance Corporation (CACC) | $262.98 Million | -4.81% | 1.51x | $5.46 Billion |
About Sezzle Inc.
Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company offers payment solution in-store and at online retail stores; and through proprietary payments solution that connects consumers with merchants for instantly extends credit at the point-of-sale. It also provides Sezzle Platform that provides a payments solution for consumers that ex… Read more