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 $195.38 per share. The share price was $149.28 on November 10, 2026, 24% 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% | $119.48 | -20% |
| Base | 15.0% | 9.0% | $195.38 | +31% |
| Bull | 20.0% | 8.0% | $336.70 | +126% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $252.84 | $270.76 | $292.66 | $320.03 | $355.23 |
| 8.0% | $209.68 | $221.30 | $235.03 | $251.51 | $271.65 |
| 9.0% | $178.27 | $186.21 | $195.38 | $206.07 | $218.71 |
| 10.0% | $154.45 | $160.10 | $166.51 | $173.82 | $182.27 |
| 11.0% | $135.82 | $139.96 | $144.59 | $149.80 | $155.70 |
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