Is Sezzle Inc. (SEZL) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 73.2% | |
| Operating Margin | 60.8% | |
| Net Margin | 29.6% | |
| Return on Equity (ROE) | 103.3% | |
| Return on Assets (ROA) | 47.6% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $210M |
| Free Cash Flow | $207M |
| Total Debt | $141M |
| Debt-to-Equity | 82.9 |
| Current Ratio | 3.9 |
| Total Assets | $400M |
Price & Trading
| Last Close | $67.03 |
| 50-Day MA | $67.41 |
| 200-Day MA | $88.48 |
| Avg Volume | 773K |
| Beta | 8.6 |
|
52-Week Range
$24.86
| |
About Sezzle Inc. (SEZL)
Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company provides Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; and Pay-in-Two and other alternative installment options, which allow consumer to pay half of the value of their order up-front and the second half in two weeks. It also offers Sezzle Virtual Card that allows consumers to access the Sezzle Platform in the form of merchants in-store and online with merchants that are not directly integrated with Sezzle; Sezzle Anywhere, a paid subscription service that allows consumers to use their Sezzle Virtual Card at any merchant online or in-store; Sezzle On-Demand, a service that allows consumers who are not subscribed to Sezzle Anywhere to use the Sezzle Platform at any merchant online or in-store; Sezzle Premium, a paid subscription service that allows its consumers to access large, non-integrated premium merchants; and Sezzle Up, an opt-in feature of the Sezzle Platform. In addition, the company provides Long-Term Lending through collaboration with third-party lenders and Product Innovation. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.
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Frequently Asked Questions
Is Sezzle Inc. (SEZL) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Sezzle Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Sezzle Inc.'s debt ratio?
Sezzle Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Sezzle Inc.'s key financial metrics?
Sezzle Inc. has a market capitalization of $2.1B, trailing P/E ratio of 16.6, and revenue of $450M. The company maintains a gross margin of 73.2% and a net margin of 29.6%. Return on equity stands at 103.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.