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Sezzle Inc. logo

Sezzle Inc.

SEZL

NASDAQFinancial ServicesFinancial - Credit Services

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Regular session

$119.69

+$0.58 · +0.49%

Aug 24, 10:35 AM ET

SEZL company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

85

Deep Value

Momentum

62

Gaining

Sentiment

49

Mixed

Risk resilience

36

High Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Sezzle Inc., established in 2016 and based in Minneapolis, Minnesota, functions as a tech-powered payment enterprise with operations concentrated in the United States and Canada. It delivers a payment service available at both e-commerce sites and physical retail outlets, facilitating connections between consumers and businesses. The company's platform allows patrons to complete online transactions and divide the total cost into four equivalent, interest-free installments, payable over a six-week period.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Charles G. Youakim
Listed since
Aug 17, 2023
Employees
201

Market position

Day range

Current $119.69

52-week range

Current $119.69

Open
$118.82
Previous close
$119.11
Volume
79.38K
0.11× average
Average volume
720.72K
Average daily volume
Market cap
4.02B USD
Beta
6.78
Market reference 1
50-day average
$155.65
-23.10% below average
200-day average
$94.9867
+26.01% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.23B USD
P/E (TTM)
25.09×
P/B (TTM)
17.31×
P/S (TTM)
7.57×
EV / EBITDA
8.37×
Earnings yield
6.18%
Free cash flow yield
9.68%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
90.80%
Operating margin
40.39%
Net margin
30.35%
Return on equity
78.40%
Return on assets
33.26%
Return on invested capital
46.52%

Financial health

Debt / equity
0.52×
Current ratio
3.92×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends100%40%-20%-81%Gross margin, FY2021: 61.48%Gross margin, FY2022: 26.74%Gross margin, FY2023: 46.30%Gross margin, FY2024: 61.96%Gross margin, FY2025: 85.35%Operating margin, FY2021: -59.81%Operating margin, FY2022: -22.64%Operating margin, FY2023: 13.93%Operating margin, FY2024: 30.33%Operating margin, FY2025: 39.26%Net margin, FY2021: -65.47%Net margin, FY2022: -30.34%Net margin, FY2023: 4.45%Net margin, FY2024: 28.96%Net margin, FY2025: 29.57%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 61.48%. Gross margin FY2022 26.74%. Gross margin FY2023 46.30%. Gross margin FY2024 61.96%. Gross margin FY2025 85.35%. Operating margin FY2021 -59.81%. Operating margin FY2022 -22.64%. Operating margin FY2023 13.93%. Operating margin FY2024 30.33%. Operating margin FY2025 39.26%. Net margin FY2021 -65.47%. Net margin FY2022 -30.34%. Net margin FY2023 4.45%. Net margin FY2024 28.96%. Net margin FY2025 29.57%.

Income trends

Revenue

450.28M USD+66.08%

Operating income

176.79M USD+114.95%

Net income

133.13M USD+69.54%
Income trends across reported periods502.82M USD292.64M USD82.47M USD−127.71M USDRevenue, FY2021: 114.82M USDRevenue, FY2022: 125.57M USDRevenue, FY2023: 159.36M USDRevenue, FY2024: 271.13M USDRevenue, FY2025: 450.28M USDOperating income, FY2021: −68.68M USDOperating income, FY2022: −28.43M USDOperating income, FY2023: 22.2M USDOperating income, FY2024: 82.25M USDOperating income, FY2025: 176.79M USDNet income, FY2021: −75.17M USDNet income, FY2022: −38.09M USDNet income, FY2023: 7.1M USDNet income, FY2024: 78.52M USDNet income, FY2025: 133.13M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 114.82M USD. Revenue FY2022 125.57M USD. Revenue FY2023 159.36M USD. Revenue FY2024 271.13M USD. Revenue FY2025 450.28M USD. Operating income FY2021 −68.68M USD. Operating income FY2022 −28.43M USD. Operating income FY2023 22.2M USD. Operating income FY2024 82.25M USD. Operating income FY2025 176.79M USD. Net income FY2021 −75.17M USD. Net income FY2022 −38.09M USD. Net income FY2023 7.1M USD. Net income FY2024 78.52M USD. Net income FY2025 133.13M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue450.28M USD271.13M USD159.36M USD125.57M USD114.82M USD
Cost of goods sold65.96M USD103.13M USD85.58M USD91.99M USD44.23M USD
Gross profit384.32M USD168M USD73.78M USD33.58M USD70.59M USD
Research and development—857.8K USD——1.46M USD
Selling, general, and administrative48.97M USD21.14M USD20.57M USD35.38M USD137.81M USD
Operating expenses207.53M USD85.75M USD51.57M USD62.01M USD139.27M USD
Interest expense14.02M USD13.76M USD15.97M USD8.6M USD3.82M USD
Depreciation and amortization256K USD965.4K USD855.8K USD847.13K USD749.11K USD
Operating income176.79M USD82.25M USD22.2M USD−28.43M USD−68.68M USD
Net income133.13M USD78.52M USD7.1M USD−38.09M USD−75.17M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
10 beats, 0 misses, 0 met estimates
Average EPS surprise
+600.70%
10 comparable reports
Latest EPS result
1.13
Estimate 1.03 · Beat by 9.71%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.521.10.690.27Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 25, 2025: actual 0.73, estimate 0.513, surprise +42.21%, Beat. Q2 2025, reported May 7, 2025: actual 1, estimate 0.32, surprise +212.50%, Beat. Q3 2025, reported Aug 7, 2025: actual 0.69, estimate 0.58, surprise +18.97%, Beat. Q4 2025, reported Nov 5, 2025: actual 0.71, estimate 0.65, surprise +9.23%, Beat. Q1 2026, reported Feb 25, 2026: actual 1.21, estimate 0.96, surprise +26.04%, Beat. Q2 2026, reported May 6, 2026: actual 1.43, estimate 1.24, surprise +15.32%, Beat. Q3 2026, reported Aug 6, 2026: actual 1.13, estimate 1.03, surprise +9.71%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 1.26, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates162.23M127.33M92.44M57.54MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 25, 2025: actual 98.22M USD, estimate 73.9M USD, surprise +32.91%, Beat. Q2 2025, reported May 7, 2025: actual 104.91M USD, estimate 64.76M USD, surprise +62.01%, Beat. Q3 2025, reported Aug 7, 2025: actual 98.7M USD, estimate 94.93M USD, surprise +3.97%, Beat. Q4 2025, reported Nov 5, 2025: actual 116.8M USD, estimate 128.29M USD, surprise -8.96%, Miss. Q1 2026, reported Feb 25, 2026: actual 129.87M USD, estimate 127.58M USD, surprise +1.79%, Beat. Q2 2026, reported May 6, 2026: actual 135.54M USD, estimate 129.15M USD, surprise +4.95%, Beat. Q3 2026, reported Aug 6, 2026: actual 149.68M USD, estimate 135.09M USD, surprise +10.81%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 155.01M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$168

40.36% upside
Past 12 months12-month forecastHigh $170Average $168Low $166

Rating distribution

6 ratings
Strong buy00%
Buy467%
Hold233%
Sell00%
Strong sell00%

Recent analyst actions

6 institutions

SEZL news

seekingalpha.com

Klarna Vs. Sezzle: Buy Now, Pay Later At A Materially Low Multiple

Sezzle is up nearly 90% this year, with Klarna down 50% in a price return divergence that reflects a gap in profitability between the two firms. SEZL will report an adjusted EPS of $5.25 per share for its full year 2026…

Read source
seekingalpha.com

Sezzle: The Numbers Don't Support The Selloff

Sezzle fell 20% post-Q2 despite beating revenue and EPS estimates and raising full-year guidance for the third time. Sequential earnings decline and increased expenses reflect seasonality and deliberate marketing spend,…

Read source
zacks.com

Sezzle AI Push: Can Automation Boost Service and Productivity?

SEZL's AI push is set to reshape shopping and development as automation drives productivity and product creation.

Read source
zacks.com

Sezzle Subscribers: Can 76.4% Y/Y Growth Keep Accelerating?

SEZL's subscriber base surges 76.4% in Q2 2026 as heavier usage, new products and marketing fuel growth.

Read source
zacks.com

Here's Why Sezzle Inc. (SEZL) is a Strong Growth Stock

Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.

Read source
247wallst.com

Klarna Group Drops 7% Before Q2 Earnings, Sezzle Falls 5% as BNPL Names Diverge

Klarna Group (NYSE:KLAR | KLAR Price Prediction) stock is sliding midday Monday, with shares down 7% to $19.38 ahead of the buy now, pay later (BNPL) firm's second-quarter report.

Read source

Corporate actions

Corporate action history

Stock split

Effective Mar 31, 2025

6:1

Stock split

Effective May 16, 2023

1:38

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ETFs holding SEZL

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
125.14M
Weight
0.11%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.1-0.15%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
83.27M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.25-0.26%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
49.78M
Weight
0.06%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$298.9-0.35%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
29.99M
Weight
0.03%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$244.1-0.58%
iShares S&P Small-Cap 600 Growth ETF logoiShares S&P Small-Cap 600 Growth ETFIJT
Market value
19.03M
Weight
0.23%
AUM
8.22B USD
Expense ratio
0.18%
Price / 1D
$173.52-0.22%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
18.56M
Weight
0.11%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.195-0.15%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
18.22M
Weight
0.12%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$384.09-0.85%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
14.25M
Weight
0.08%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$120.82-0.35%

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