Is SEZL stock a Buy, Sell, or Hold?

Based on our analysis, SEZL is currently a HOLD with low confidence. 📊 HOLD: SEZL is fairly valued with market pricing in 0.9% annual growth. Fine to hold or accumulate slowly on dips.

What is the fair value of SEZL stock?

Our analysis estimates the fair value range for SEZL to be between $66.43 and $74.63. The current price is $63.24.

What is the analyst price target for SEZL?

The average Wall Street analyst price target for SEZL is $103.25. This implies a potential upside of 46.4% from current levels.

SEZL Stock Analysis: Buy, Sell, or Hold?

SEZL - Sezzle Inc. Common Stock

SERVICES-BUSINESS SERVICES, NEC

$63.24

-7.27 (-10.31%) ▼

HOLD

LOW Confidence

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Last Updated: January 30, 2026

Earnings: Feb 24, 2026 23d

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Interactive Price Chart (1 Month)

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Bottom Line:
📊 HOLD: SEZL is fairly valued with market pricing in 0.9% annual growth. Fine to hold or accumulate slowly on dips.

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 25.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$133.91

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$83.15

23.9% Margin of Safety

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 15.7x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: SEZL is currently trading at $63.24, which is considered slightly low relative to its 30-day fair value range of $66.43 to $74.63. The stock's valuation (Forward PE: 16.1) is in line with its historical norms (15.7). At these levels, the market is pricing in 0.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, SEZL is in a downtrend. The price is currently testing key support at $64.74. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 10.3% recently.

Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $103.25 (+46.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position SLIGHTLY LOW

Fair Price Range $66.43 - $74.63

Company Quality Score 55/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 75.7%

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All Signals

BULLISH: Price oversold vs 30-day range
NEUTRAL: Mixed technical signals (40/100)
BULLISH: High volume confirmation
BEARISH: Downward momentum (-10.3%)
BULLISH: Trading 46.4% below Wall St target ($103.25)
NEUTRAL: Market pricing in 0.9% annual earnings growth - fairly valued
CAUTION: Recommendation downgraded due to -6.4% 5-day decline

Fair Price Analysis

30-Day Fair Range $66.43 - $74.63

Current vs Fair Value SLIGHTLY LOW

Support & Resistance Levels

Support Level $64.74

Resistance Level $71.46

Current Trend Downtrend

Fundamental Context

Forward P/E (Next Year Est.) 16.10

Wall Street Target $103.25 (+46.4%)

Revenue Growth (YoY) 67.0%

Earnings Growth (YoY) 70.5%

Profit Margin 27.7%

Valuation Premium vs History +0.9% premium

PE vs Historical 16.1 vs 15.7 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +0.9% (market-implied from PE analysis)

1-Year Target $71.14 (+1%)

2-Year Target $71.78 (+2%)

3-Year Target $72.43 (+3%)

3-Yr Target (if PE normalizes) (PE: 16→16) PE COMPRESSION $70.64 (+0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 22.3, Growth: 29.5%) $212.07 (+201%)

Base: (SPY PE: 16.1, Growth: 29.5%) $153.09 (+117%)

Bear: (PE: 13.7, Growth: 29.5%) $130.13 (+85%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (16x PE) as earnings recover.

Trailing PE: 21.33 | Current EPS (TTM): $3.25

Bull Case $102.76 (+63%)

Analyst growth 34.8%, PE expands to 23.5

Base Case $93.42 (+48%)

Market implied 34.8%, PE stable at 21.3

Bear Case $47.14 (-26%)

Severe decline -20.0%, PE contracts to 18.1

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

Last updated: January 31, 2026 1:02 PM ET
Data refreshes hourly during market hours. Next update: 2:02 PM

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Technical Signals Check

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Insider Activity (6 Months)

Buys

Sells

Net

INSIDERS SELLING

Recent Transactions

Karen Hartje SELL 5484 shares 2025-10-06

Paul Paradis SELL 3000 shares 2025-08-19

Paul Paradis SELL 3000 shares 2025-08-12

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