Sezzle Inc. SEZL R2KR3KFINANCIAL
Company Overview
Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada. The company offers 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; Pay-in-five which allows eligible consumers to pay a fifth of the purchase price up front, and then another four installments every two weeks; Pay-in-Two, which allow consumer to pay half of the value of their order up-front and the second half in two weeks; and other alternative installment options. It also provides 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; Sezzle Balance, a stored-value product that allows consumers to maintain funds in Sezzle account for use toward eligible purchases or make payments on the Sezzle Platform; and Sezzle Up, an opt-in feature of the Sezzle Platform. In addition, the company offers Long-Term Lending through collaboration with third-party lenders. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.
Why Investors Should Care
Generates a return on equity of 88.9%, reflecting efficient use of shareholder capital.
Return on capital employed stands at 56.9%.
Revenue has grown at a 32.0% CAGR over the past five years.
Maintains a net profit margin of 30.3%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $235.88M (+69.2% YoY); net profit $133.13M.
- Trailing 12 Months Year-on-year growth — revenue +51.7%, earnings +50.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 32.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 32.03% |
| 1 Year: | 51.70% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 50.00% |
Stock Price Performance
| 1 Year: | +51.13% |
| 6 Months: | +74.67% |
| 3 Months: | -9.48% |
| 1 Month: | +30.32% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)66.54 · Neutral
P/E of 30.55 is above the sector median of 13.71 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 88.9%.
- Healthy ROCE of 56.9%.
- Excellent profit margin of 30.3%.
- Compounding revenue at 32.0% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Trading 26.1% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SEZL Sezzle Inc. R2KR3KFINANCIAL | 139.30 | 30.55 | $4.69B | 0.00% | 56.94% | 88.85% | 32.03% | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 336.54 | 14.43 | $894.59B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 546.97 | 13.76 | $770.15B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 414.34 | 35.23 | $706.08B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 633.21 | 34.87 | $550.55B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 820,500.00 | 13.76 | $400.77B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 51.08 | 11.80 | $357.19B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 91.89 | 13.13 | $314.52B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 183.97 | 14.87 | $288.94B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | 10.44M | 11.46M | 16.18M | 25.25M | 30.19M | 35.55M | 48.17M | 52.02M | 57.48M | 73.28M | 84.72M |
| Operating Income | -2.78M | -7.04M | -8.83M | -17.81M | -17.69M | -26.12M | -13.55M | 6.50M | 5.42M | 3.76M | 5.35M | 13.84M | 16.70M | 20.84M | 49.90M | 36.09M | 35.56M | 69.04M | 54.96M |
| Net Income | -3.84M | -8.16M | -11.35M | -19.06M | -18.83M | -27.99M | -15.08M | 4.34M | 1.72M | 1.14M | 1.29M | 8.01M | 29.70M | 15.45M | 36.16M | 27.60M | 26.67M | 51.30M | 40.77M |
| Diluted EPS | -0.02 | -0.04 | -0.06 | -0.10 | -0.09 | -5.20 | -2.77 | 0.73 | 0.31 | 0.20 | 0.23 | 0.22 | 0.82 | 0.44 | 1.00 | 0.78 | 0.75 | 1.47 | 1.17 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Revenue | 58.79M | 114.82M | 11.96M | 60.63M | 139.40M | 235.88M |
| Operating Income | -27.93M | -68.68M | -28.43M | 22.20M | 82.25M | 176.79M |
| Net Income | -32.39M | -75.17M | -38.09M | 7.10M | 78.52M | 133.13M |
| Diluted EPS | -0.17 | -0.38 | -7.00 | 1.25 | 2.19 | 3.72 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Total Assets | - | 174.11M | 223.40M | 172.58M | 212.65M | 298.37M | 400.23M |
| Total Equity | 27.31M | 59.96M | 37.79M | 8.84M | 22.09M | 87.83M | 169.81M |
| Cash & Equivalents | - | 84.29M | 76.98M | 68.28M | 67.62M | 73.19M | 64.05M |
| Total Liabilities | - | 114.15M | 185.61M | 163.73M | 190.55M | 210.54M | 230.42M |
| Current Liabilities | - | 68.37M | 107.56M | 99.19M | 187.27M | 105.68M | 89.77M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | -24.81M | -72.13M | 8.51M | -25.69M | 130.65M | 209.91M |
| Investing Cash Flow | -732.91K | -1.42M | -1.01M | -1.37M | -91.21M | -181.57M |
| Financing Cash Flow | 77.57M | 63.24M | -15.69M | 28.22M | -10.37M | -25.41M |
| Capital Expenditure | -410.90K | -686.03K | -52.24K | -81.61K | -70.00K | -655.00K |
| Free Cash Flow | -25.22M | -72.82M | 8.46M | -25.77M | 130.58M | 209.25M |
| Share Buybacks | 611.22K | 2.65M | 381.43K | 1.68M | 23.62M | 64.66M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - |
| Operating Margin % | -47.5% | -59.8% | -237.8% | 36.6% | 59.0% | 74.9% |
| Net Margin % | -55.1% | -65.5% | -318.5% | 11.7% | 56.3% | 56.4% |
| ROE % | -54.0% | -198.9% | -430.8% | 32.1% | 89.4% | 78.4% |
| ROCE % | -26.4% | -59.3% | -38.7% | 87.5% | 42.7% | 56.9% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.55% | 2.54M | $327.16M |
| 2 | Divisadero Street Capital Management, LP | 4.90% | 1.65M | $212.20M |
| 3 | Accredited Investors Inc. | 2.40% | 807.44K | $103.87M |
| 4 | Vanguard Capital Management LLC | 2.26% | 760.32K | $97.81M |
| 5 | State Street Corporation | 1.96% | 659.90K | $84.89M |
| 6 | Price (T.Rowe) Associates Inc | 1.88% | 631.85K | $81.28M |
| 7 | Geode Capital Management, LLC | 1.66% | 557.75K | $71.75M |
| 8 | Morgan Stanley | 1.48% | 496.74K | $63.90M |
| 9 | Driehaus Capital Management, LLC | 1.41% | 476.03K | $61.24M |
| 10 | Dimensional Fund Advisors LP | 1.39% | 467.49K | $60.14M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SEZL
Sezzle Inc. (SEZL) Stock Forecasts - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMijwFBVV95cUxNSlVNMjdCcU9qeEpQc3M3QUJCMVJfWmdUNlFKczhreGN6VTJyNGdOWFFSV1JMS2pnYXp3dTZ1NHJmdXlIMnBxMDNvbFRqQy1hS29mRjNoUENfRkpyV2h1VzRPXzJTQlJURG9mcnhTdUZzRXotQkpMY09ndzgwcFdlRHR3WlpkcERZMGl3Tz…
Sezzle Inc (SEZL) Shares Surge 4.6% -- What GF Score of 78 Tells Investors - GuruFocus
<a href="https://news.google.com/rss/articles/CBMiqgFBVV95cUxQNnNGQjFSUWt6LUJGZ2pONDRQSm9xNzFKNUh5ZW5DWTJGWHBQUDhBczgyVzNNbVB0dnVVbGcwRkIxMHdyQXFvZDJWZlhmd3lKTkpiQVVKSmpLSDFnTFduRWNpc0s3UVJONzdFQV9KWHFaQkI1bDZNa3QwNWtkMFZWbXZGRDlvMGdGWDZWOW…
Are Strong Fundamentals Altering The Investment Case For Sezzle Stock (SEZL)? - Simply Wall Street
<a href="https://news.google.com/rss/articles/CBMi1gFBVV95cUxQN05qNjZCX190SFZZU2dNVDFyNzVNdUJOeWEyYkdhNVltaVl0OFo1ZzgxbDBSNmx6OFVQTkhXcXNoLXYyZVE4bmVhS2NDTDJFYk1UV2tDbG92ZVdONUNILXdhaWVlNFp6ZVNIcS1ieGlXLUtTOGY2V3EzYzc2eTBXRFVlYlRoTk45UDFoRH…
SEZL Nov 2026 65.000 put (SEZL261120P00065000) stock price, news, quote and history - Yahoo Finance UK
<a href="https://news.google.com/rss/articles/CBMiZkFVX3lxTE9HUlRzbTdwX3hFNUp5N1IxdEJfZ2JmZzdwc0tkb3NiWkFDNVJZTktyb3lNcTZXRHV3TDhISWM0N1hNczdZc1hCbm5HMlItRFBwaGMyRkU2NWFUZklFSW1kck11QWxEQQ?oc=5" target="_blank">SEZL Nov 2026 65.000 put (SEZ…
SEZL Nov 2026 280.000 call (SEZL261120C00280000) stock price, news, quote and history - Yahoo Finance Australia
<a href="https://news.google.com/rss/articles/CBMiZkFVX3lxTE1mRlNTeGlRbnNHb1YwRVY1RjN3QWhZYVl0QUt1YW5DUHJzOHh2OXdHYVBDODIxeGFkal9TN054RS12VFJQaHFodXVqcjVja2lhd0pLX0ExR01XZHE3WV9MTEI0SUtvdw?oc=5" target="_blank">SEZL Nov 2026 280.000 call (S…
SEZL Apr 2027 55.000 put (SEZL270416P00055000) interactive stock chart - Yahoo Finance UK
<a href="https://news.google.com/rss/articles/CBMibkFVX3lxTE9WdFc4ekJUejcyN3JuUldXZGZvLWQ0aXhRV1NiRUc5cFBzWFdOY1FVRUl4N2JVQ1hGSS11Q0IxcTJ3elVwQThZWGZORFcwM2JEeXJLeVBpNUJkdUYxbVBCcE1GR3J0MlZ6MFI2Z1Bn?oc=5" target="_blank">SEZL Apr 2027 55.00…
SEZL — Frequently Asked Questions
What is the current share price of Sezzle Inc. (SEZL)?
As of 2026-10-22 16:30 PDT, Sezzle Inc. (SEZL) trades at $139.30 on NasdaqCM. Its 52-week range is $50.97 to $188.55.
What is the market capitalisation of SEZL?
Sezzle Inc. (SEZL) has a market capitalisation of $4.69B on NasdaqCM.
What is the P/E ratio of SEZL?
SEZL trades at a trailing price-to-earnings (P/E) ratio of 30.55. The industry average P/E is 13.71. Its price-to-book (P/B) ratio is 16.84.
What is the return on equity (ROE) of SEZL?
SEZL has a return on equity (ROE) of 88.85%. Its return on capital employed (ROCE) is 56.94%.
Is SEZL a good stock to buy?
This page provides a data-driven analysis of Sezzle Inc. (SEZL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.