Sezzle (SEZL) Debt Ratio (2020 - 2026)
Sezzle (SEZL) reported Debt Ratio of 0.32 for Q1 2026, up 35.53% on a YoY basis from 0.23 in Q1 2025, and down 9.15% quarter-over-quarter from 0.35 in Q4 2025.
Sezzle (SEZL) Debt Ratio (2020 - 2026) Analysis & Trends
Sezzle has reported Debt Ratio for 7 years, with the latest figure at 0.32 in Q1 2026.
- For the quarter ending Q1 2026, Debt Ratio rose 35.53% year-over-year to 0.32; the trailing twelve-month figure through Mar 2026 stood at 0.32 (up 35.53% YoY), and the FY2025 full-year result was 0.35, changed 0.36% from the prior year.
- Debt Ratio for Q1 2026 stood at 0.32, down from 0.35 in the prior quarter.
- The five-year high for Debt Ratio was 0.44 in Q4 2023, with the low at 0.0 in Q3 2023.
- Historically, Debt Ratio has averaged 0.27 across 5 years, with a median of 0.35 in 2024.
- Annual changes were most pronounced in 2024 — Debt Ratio surged 26632.73% — and 2025, when it sank 35.77%.
- Sezzle's Debt Ratio stood at 0.37 in 2022, then gained by 20.1% to 0.44 in 2023, then decreased by 21.47% to 0.35 in 2024, then rose by 0.36% to 0.35 in 2025, then slipped by 9.15% to 0.32 in 2026.
- The last three Debt Ratio figures came in at 0.32 (Q1 2026), 0.35 (Q4 2025), and 0.32 (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 548.22 Bn | 535.81 Bn | - | 0.25 |
| 2 | Mastercard | 437.48 Bn | 427.27 Bn | - | 0.36 |
| 3 | American Express | 231.87 Bn | 177.83 Bn | 17.43 Bn | 0.01 |
| 4 | Capital One Financial | 125.74 Bn | 49.24 Bn | - | 0.06 |
| 5 | PayPal Holdings | 38.80 Bn | 29.46 Bn | 7.84 Bn | 0.12 |
| 6 | Synchrony Financial | 25.78 Bn | 5.22 Bn | - | 0.06 |
| 7 | Affirm Holdings | 24.65 Bn | 22.93 Bn | 261.64 Mn | 0.18 |
| 8 | SoFi Technologies | 22.89 Bn | 19.49 Bn | 929.25 Mn | - |
| 9 | Ally Financial | 14.15 Bn | 13.70 Bn | 1.98 Bn | 0.02 |
| 10 | Sezzle | 5.53 Bn | 5.41 Bn | - | 0.32 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.32 |
| Dec 31, 2025 | 0.35 |
| Sep 30, 2025 | 0.32 |
| Jun 30, 2025 | 0.37 |
| Mar 31, 2025 | 0.23 |
| Dec 31, 2024 | 0.35 |
| Sep 30, 2024 | 0.37 |
| Jun 30, 2024 | 0.32 |
| Mar 31, 2024 | 0.37 |
| Dec 31, 2023 | 0.44 |
| Sep 30, 2023 | 0.00 |
| Jun 30, 2023 | 0.37 |
| Mar 31, 2023 | 0.00 |
| Dec 31, 2022 | 0.37 |
| Sep 30, 2022 | 0.00 |
| Jun 30, 2022 | 0.36 |
| Mar 31, 2022 | 0.00 |
| Dec 31, 2021 | 0.35 |
| Sep 30, 2021 | 0.00 |
| Jun 30, 2021 | 0.12 |