Sezzle Inc. — Earnings Quality Grade F
SEZL · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 3 days, change +1 days YoY
AR growth 110.2% exceeds revenue growth 66.1%
Revenue 66.1%, CFFO 60.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 84.1% vs revenue 66.1%. Normal
SG&A/Gross Profit = 15.5%, excellent (<30%)
Gross margin rose +13.2pp while AR increased and AP decreased. Fraud pattern
Cash Flow Quality
CFFO/NI = 1.58. Profits backed by cash
FCF $0.2B, FCF/NI = 1.56
Accruals ratio = -19.2%. Low accruals
Cash $0.1B covers only 45% of debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 2% of equity. Manageable
Debt/EBITDA = 0.9x. Healthy
Other assets 49.2% vs revenue 66.1%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 36% YoY
Manipulation Score
M-Score = -2.72 (< -2.22). Unlikely manipulator
Beneish M-Score
Altman Z-Score — Not Applicable
Sezzle Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25