Positioning no disclosures inside 60 days, left as found
Options put/call open interest 1.28, read 2026-11-03
Ethical does not pass the values gate
Price136.69 USD
Fair value132.36
Ethical score30.0/100
Value readFairas of 4 Nov 2026
Our investment reviews on this name
2026-10-15Read Accumulation128.64+6.3% to today ✓Markdown gives way to Accumulation after a 9% rise in 5 weeks
2026-09-12Read Markdown118.41+15.4% to today Markup gives way to Markdown after a 34% slide in 4 weeks
2026-08-12Read Markup178.53-23.4% to today Accumulation gives way to Markup after a 35% rise in 6 weeks
2026-07-02Read Accumulation132.70+3.0% to today ✓First review on file: Accumulation
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Sezzle Inc. holds its Accumulation at $136.69. The statistical read favours the sellers, held for 39 days.
As held on the ledger · 2026-11-04
Phase
Accumulation
Quantitative state
The statistical read favours the sellers, held for 39 days
Price at the screen
$136.69
Valuation
26.85 trailing · 18.42 forward price to earnings
Values screen
FAIL· score 30.0
Beta
6.60
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: financial services
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: financial services
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Sezzle does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
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Get an email when SEZL's ethical verdict changes
Today SEZL does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Fair vs our fair value, as of 4 Nov 2026: it trades at roughly a 7% discount to our $132.36 fair value, 51.70% revenue growth.
Fair value range in USD, drawn from the 2026-11-04 screen. The gold marker is the market price at the same screen. The price runs 3.3% above the base estimate.
Where our models see it going: fair-value estimate $132.36, with a range of $132.36 to $152.22, dated to the 2026-11-04 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Buy-now-pay-later firm fails price and ethics test
Every time a shopper splits a jeans purchase into four interest-free payments the credit risk ends up on someone’s balance sheet. Sezzle carries that exposure in a sector our ethical screen rules out entirely. We pass for that reason alone, before price even enters the conversation.
The shares trade at 26.7 times forward earnings against 29 percent revenue growth and a 31 percent profit margin. Return on equity sits at 92 percent, yet the market price sits 24 percent above our fair value of 131.81 dollars. Six analysts still carry a buy rating with a 166 dollar median target, but none of that overcomes the sector prohibition.
High returns look attractive until consumer credit cycles turn, and the ethical block removes any need to debate timing. Currency or regulatory shifts in North America would only add to the downside. Analysis, not advice.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The things to watch: it already moves more than the market on an average day.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
SEZL trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-11-04Accumulation$122.43-9.2%Entry 16
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 9.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is holding around 39% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 2%. Our forward projection puts the odds of a 10% gain over the next month near 48%. The street (6 analysts) rates it buy, with a mean price target of $115. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-03Accumulation$134.85+0.0%Entry 15
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is holding around 39% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 2%. Our forward projection puts the odds of a 10% gain over the next month near 48%. The street (6 analysts) rates it buy, with a mean price target of $115. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-02Accumulation$134.85+0.0%Entry 14
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is holding around 39% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 2%. Our forward projection puts the odds of a 10% gain over the next month near 48%. The street (6 analysts) rates it buy, with a mean price target of $115. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-01Accumulation$134.85+2.1%Entry 13
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 2.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is holding around 39% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 2%. Our forward projection puts the odds of a 10% gain over the next month near 48%. The street (6 analysts) rates it buy, with a mean price target of $115. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-31Accumulation$132.12+0.0%Entry 12
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is holding around 39% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 2%. Our forward projection puts the odds of a 10% gain over the next month near 48%. The street (6 analysts) rates it buy, with a mean price target of $115. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-30Accumulation$132.12+0.0%Entry 11
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is holding around 39% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 2%. Our forward projection puts the odds of a 10% gain over the next month near 48%. The street (6 analysts) rates it buy, with a mean price target of $115. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-29Accumulation$132.12+3.2%Entry 10
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 3.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is holding around 39% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 2%. Our forward projection puts the odds of a 10% gain over the next month near 48%. The street (6 analysts) rates it buy, with a mean price target of $115. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-28Accumulation$128.05+0.0%Entry 9
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is holding around 39% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 2%. Our forward projection puts the odds of a 10% gain over the next month near 48%. The street (6 analysts) rates it buy, with a mean price target of $115. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-22Accumulation$128.05-0.5%Entry 8
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is holding around 34% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 2%. Our forward projection puts the odds of a 10% gain over the next month near 48%. The street (6 analysts) rates it buy, with a mean price target of $115.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 19.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is momentum reading overbought. Over the past year the shares are down 2%. Our forward projection puts the odds of a 10% gain over the next month near 48%. The street (6 analysts) rates it buy, with a mean price target of $115.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
