What is Sezzle Inc. worth?
With the base-case assumptions below, a discounted cash flow model on Sezzle Inc.'s reported free cash flow gives $195.65 per share. The share price was $111.38 on September 25, 2026, 43% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $119.75 | +8% |
| Base | 15.0% | 9.0% | $195.65 | +76% |
| Bull | 20.0% | 8.0% | $336.97 | +203% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $253.11 | $271.03 | $292.93 | $320.30 | $355.50 |
| 8.0% | $209.95 | $221.57 | $235.30 | $251.78 | $271.92 |
| 9.0% | $178.54 | $186.48 | $195.65 | $206.34 | $218.98 |
| 10.0% | $154.72 | $160.37 | $166.78 | $174.09 | $182.54 |
| 11.0% | $136.09 | $140.23 | $144.86 | $150.07 | $155.97 |
Where the presets come from
Base: years 1 to 5 grow at Sezzle Inc.'s revenue growth rate over the last 4 fiscal years (66.4% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions