Sezzle Inc.
- Open
- 171.59
- Day high
- 176.66
- Day low
- 165.60
- Prev close
- 180.44
- Volume
- 708K
- Mkt cap
- $5.9B
- P/E (TTM)
- 40.4
- EPS (TTM)
- $4.32
- P/B
- 29.9
- P/S
- 12.2
- Yield
- —
- Per share
- —
- ▼Insiders net selling -$23.1M over the last 3 months (0 open-market buys, 66 sales)
- 🏛Institutions accumulating (13F)
Sezzle Inc. (SEZL) is a Financial Services company listed on NASDAQ. The stock is up 24% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 66 sales (SEC Form 4).
Sezzle Inc. (SEZL) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 7 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
SEZL earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| May 6, 2026 | $1.24 | $1.43 | +15.3% | $136M | +6.1% |
| Feb 25, 2026 | $0.96 | $1.21 | +26.0% | $130M | +1.8% |
| Nov 5, 2025 | $0.65 | $0.71 | +9.2% | $117M | -9.0% |
| Aug 7, 2025 | $0.58 | $0.69 | +19.0% | $99M | +4.0% |
| Feb 25, 2025 | $0.51 | $0.73 | +42.2% | $98M | +32.9% |
| Nov 7, 2024 | $0.15 | $0.49 | +226.7% | $70M | -5.7% |
| Feb 26, 2024 | $0.00 | $0.09 | +5289.2% | $49M | +23.2% |
| May 15, 2023 | $0.00 | $0.05 | +2997.0% | $35M | +2.0% |
| Jun 29, 2019 | — | $-0.25 | — | $2M | — |
| Mar 30, 2019 | — | $-0.25 | — | $2M | — |
| Sep 29, 2018 | — | $-0.17 | — | $688079 | — |
SEZL insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jul 17, 2026 | Brading Lee Dicksonofficer: Chief Financial Officer | Sell | 270 | $188.08 |
| Jul 17, 2026 | Brading Lee Dicksonofficer: Chief Financial Officer | Sell | 5,000 | $190.30 |
| Jul 17, 2026 | Brading Lee Dicksonofficer: Chief Financial Officer | Sell | 1,200 | $187.45 |
| Jul 17, 2026 | Brading Lee Dicksonofficer: Chief Financial Officer | Sell | 2,326 | $185.38 |
| Jul 17, 2026 | Paradis Pauldirector, officer: Director & President | Sell | 500 | $192.19 |
| Jul 17, 2026 | Paradis Pauldirector, officer: Director & President | Sell | 5,283 | $190.39 |
| Jul 17, 2026 | Paradis Pauldirector, officer: Director & President | Sell | 600 | $192.88 |
| Jul 17, 2026 | Paradis Pauldirector, officer: Director & President | Sell | 900 | $191.21 |
| Jul 17, 2026 | Paradis Pauldirector, officer: Director & President | Sell | 1,700 | $193.52 |
| Jul 17, 2026 | Paradis Pauldirector, officer: Director & President | Sell | 7,232 | $190.25 |
| Jul 17, 2026 | Paradis Pauldirector, officer: Director & President | Sell | 400 | $194.51 |
| Jul 17, 2026 | Brading Lee Dicksonofficer: Chief Financial Officer | Sell | 434 | $195.03 |
| Jul 17, 2026 | Brading Lee Dicksonofficer: Chief Financial Officer | Sell | 1,104 | $186.45 |
| Jul 17, 2026 | Paradis Pauldirector, officer: Director & President | Sell | 2,362 | $191.86 |
| Jul 8, 2026 | Brading Lee Dicksonofficer: Chief Financial Officer | Sell | 100 | $185.00 |
Source: SEZL SEC Form 4 filings, latest Jul 17, 2026. For informational purposes only — not investment advice.
See the full SEZL insider & 13F page →Sezzle Inc. company profile
Overview
Sezzle Inc. (NASDAQ:SEZL) is a technology-enabled payments company founded in 2016 and headquartered in Minneapolis, Minnesota. The company went public on NASDAQ in August 2023 after previously being listed on the Australian Securities Exchange (ASX). Sezzle has transformed from a loss-making startup into a profitable fintech company, focusing primarily on the North American market with operations in the United States and Canada. The company has achieved profitability and sustained growth through its buy-now-pay-later (BNPL) platform and subscription-based financial services.
Business
Sezzle operates in the buy-now-pay-later (BNPL) industry, which allows consumers to make purchases and split payments into smaller, interest-free installments. The BNPL sector has emerged as an alternative to traditional credit cards, particularly popular among younger consumers who prefer avoiding traditional credit products or interest charges. The company's core offering is its Pay-in-4 service, which enables customers to split any purchase into four equal payments over six weeks with no interest charges. This service is available both at online merchant checkout pages and through physical retail locations. Sezzle generates revenue by charging merchants a fee for each transaction, typically ranging from 2-8% of the purchase amount, while consumers pay no fees if they make payments on time. Sezzle has expanded beyond basic BNPL services into subscription-based products. Sezzle Premium is a paid subscription service that offers enhanced features and benefits to frequent users. Sezzle Anywhere allows subscribers to use Sezzle's pay-in-4 functionality anywhere Visa is accepted, not just at partner merchants. The company has also launched an On-Demand product that provides similar functionality without requiring a subscription. The company operates two main revenue segments: Unified Merchant Services (UMS), which represents the core BNPL transaction volume, and subscription revenue from its premium services. Based on recent financial reports, UMS represents the majority of revenue, while subscription services have been growing rapidly at over 150% year-over-year growth rates.
Competitive moat
Sezzle's competitive moat appears moderate but strengthening. The company benefits from network effects as more merchants attract more consumers and vice versa, though this moat is not particularly strong given the relatively low switching costs for both merchants and consumers in the BNPL space. The company's proprietary underwriting technology and "Prophet models" provide some differentiation in credit risk assessment, potentially allowing for better unit economics compared to competitors. The company's subscription model creates some customer stickiness, particularly with products like Sezzle Anywhere that provide utility beyond just partner merchant transactions. The WebBank partnership has strengthened Sezzle's position by simplifying regulatory compliance and enabling standardized operations across all U.S. states, which smaller competitors may struggle to replicate. However, the BNPL industry faces significant competitive pressures. Large technology companies like Apple (Apple Pay Later) and established financial services companies are entering the space with substantial resources. PayPal, Block, and other payment processors are integrating BNPL functionality directly into their platforms. Traditional credit card companies are also launching competing installment products. The company's focus on profitability over growth-at-any-cost differentiates it from some venture-capital-backed competitors, but this advantage could erode if market conditions change. Regulatory risks remain significant, as governments worldwide are considering increased oversight of BNPL products. The company's smaller scale compared to leaders like Afterpay (now owned by Block) and Klarna limits its bargaining power with large merchants and ability to invest in technology development.
Risks & safety
Sezzle demonstrates a strong margin of safety with robust financial metrics and conservative management practices. • Liquidity and Solvency: Strong current ratio of 2.62 and quick ratio of 2.62, with $88.9 million in cash and short-term investments against $101.6 million in current liabilities. No significant debt burden with debt-to-equity ratio of 0.56. • Profitability: Consistent profitability with 34.5% net income margin in Q1 2025, generating $36.2 million in net income. Free cash flow positive at $58.8 million for the quarter. • Valuation Metrics: Reasonable valuation with P/E ratio of 8.2, EV/EBITDA of 5.9, and price-to-book ratio of 9.5. Graham number suggests fair valuation around current levels. • Growth and Returns: Strong return on equity of 28.8% and consistent revenue growth of 64% year-over-year in Q1 2025. • Capital Allocation: Management announced $50 million share repurchase program, indicating confidence in business prospects and commitment to shareholder returns. • Risk Considerations: Credit losses remain the primary operational risk, though the company maintains disciplined underwriting with provision for credit losses well-managed at 2.5-3% of GMV.
Recent development
Over the past two years, Sezzle has executed several strategic initiatives that have transformed its business model and financial performance. The most significant development was the launch of its banking partnership with WebBank in late 2024, which simplified regulatory compliance across all U.S. states and enabled a unified fee structure that improved profitability margins. The company has diversified beyond basic BNPL services through subscription products. Sezzle Premium and Sezzle Anywhere have driven subscription revenue growth of over 150% year-over-year, creating a more predictable revenue stream. The recent launch of the On-Demand product extends BNPL functionality to any Visa-accepting merchant, significantly expanding the addressable market beyond just partner merchants. Sezzle completed its transition from the Australian Securities Exchange to NASDAQ in August 2023, improving access to U.S. capital markets and institutional investors. The company has shifted focus from growth-at-any-cost to profitable growth, achieving consistent profitability while maintaining strong revenue growth rates. Product innovation has accelerated with the introduction of features like Pay-in-5 payment options, auto-couponing functionality, and a product marketplace within the Sezzle app. The company has also invested in gamification features like Payment Streaks and AI integration for improved underwriting and fraud detection. Management has become increasingly focused on capital allocation, implementing share repurchase programs and raising guidance multiple times as financial performance exceeded expectations. The company achieved B Corp certification, reflecting its commitment to social and environmental responsibility alongside financial performance.
SEZL company profile · for informational purposes only — not investment advice.
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