Screened 2026-09-10 · the tape above runs as of 09:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markdown label.
Sezzle Inc. holds its Markdown at $118.41. Consolidating, no directional conviction, held for 43 days.
As held on the ledger · 2026-09-10
Phase
Markdown · caution
Quantitative state
Consolidating, no directional conviction, held for 43 days
Price at the screen
$118.41
Valuation
25.97 trailing · 17.81 forward price to earnings
Values screen
FAIL· score 30.0
Beta
6.67
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.
Fair value range in USD, drawn from the 2026-09-10 screen. The gold marker is the market price at the same screen. A 12.8% margin of safety to the base estimate.
Third-party analyst targets: 6 covering, consensus None. The average target sits +41% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-10 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.
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
2026-09-12Markdown · changed$118.41-33.7%Entry 5
The framework has shifted from markup to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 33.7% 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 A. 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.
2026-08-12Markup · changed$178.53+34.5%Entry 4
The framework has shifted from accumulation to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 34.5% 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 A. 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.
2026-07-18Accumulation$132.70+0.0%Entry 3
The framework 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 A. 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.
2026-07-03Accumulation$132.70+0.0%Entry 2
The framework 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.
2026-07-02Accumulation$132.70Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
