Sezzle Inc. SEZL R2K
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.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Strong return on equity of 92.0%.
- Healthy ROCE of 52.4%.
- Excellent profit margin of 30.8%.
- Compounding revenue at 53.1% over 5 years.
- Profit CAGR of 149.8% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 35.1% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
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
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
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. R2K | 118.15 | 23.54 | $3.97B | - | 52.43% | 91.95% | 53.06% | 149.83% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | 10.44M | 11.46M | 16.18M | 25.25M | 30.19M | - | - | 104.91M | 98.70M | 116.80M | 129.87M | 135.54M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 30.36M | 25.92M | 35.68M | 36.42M | 36.20M |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 74.55M | 72.78M | 81.12M | 93.44M | 99.34M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 24.65M | 36.69M | 49.48M | 41.88M | 33.32M |
| 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 | - | - | 49.90M | 36.09M | 31.64M | 51.56M | 66.02M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 50.19M | 36.50M | 32.01M | 51.95M | 66.46M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.33M | 3.44M | 2.91M | 3.50M | - | - | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 47.01M | 32.67M | 31.63M | 51.58M | 65.99M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 10.84M | 5.07M | 4.96M | 8.89M | 14.69M |
| 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 | - | - | 36.16M | 27.60M | 26.67M | 42.69M | 51.30M |
| 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 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Revenue | - | - | 125.57M | 159.36M | 271.13M | 450.28M |
| Cost of Revenue | - | - | 91.99M | 85.58M | 116.89M | 134.81M |
| Gross Profit | - | - | 24.98M | 73.78M | 154.24M | 315.47M |
| Operating Expenses | - | - | 73.01M | 51.57M | 85.75M | 152.70M |
| Operating Income | -27.93M | - | -48.04M | 22.20M | 68.48M | 162.77M |
| EBITDA | - | - | -47.19M | 24.53M | 69.45M | 164.12M |
| Interest Expense | - | 5.27M | 8.60M | 15.97M | 13.76M | - |
| Pretax Income | - | - | -38.02M | 7.71M | 67.32M | 162.89M |
| Tax Provision | - | - | 69.45K | 611.49K | -11.21M | 29.76M |
| Net Income | -32.39M | - | -38.09M | 7.10M | 78.52M | 133.13M |
| Diluted EPS | -0.17 | -2.41 | -1.14 | 0.21 | 2.19 | - |
Compounded Sales Growth
| 5 Years: | 53.06% |
| 1 Year: | 29.20% |
Compounded Profit Growth
| 5 Years: | 149.83% |
| 1 Year: | 47.00% |
Stock Price Performance
| 1 Year: | +10.72% |
| 6 Months: | +110.19% |
| 3 Months: | +61.96% |
| 1 Month: | +54.36% |
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 | - | 172.58M | 212.65M | 298.37M | 400.23M |
| Current Assets | - | - | - | 170.13M | 209.04M | 257.62M | 351.86M |
| Cash & Equivalents | - | 84.29M | - | 68.28M | 67.62M | 73.19M | 64.05M |
| Inventory | - | - | - | - | - | - | - |
| Receivables | - | - | - | 2.53M | 1.57M | 1.69M | 3.56M |
| Total Liabilities | - | 114.15M | - | 163.73M | 190.55M | 210.54M | 230.42M |
| Current Liabilities | - | 68.37M | - | 99.19M | 187.27M | 105.68M | 89.77M |
| Long Term Debt | - | - | - | 64.03M | 250.00K | 103.99M | 139.99M |
| Total Debt | - | - | - | 64.11M | 95.67M | 104.91M | 140.81M |
| Total Equity | 27.31M | 59.96M | - | 8.84M | 22.09M | 87.83M | 169.81M |
| Shares Outstanding | - | - | - | 5.44M | 34.96M | 34.79M | 35.13M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | -24.81M | - | 8.51M | -25.69M | 130.65M | 209.91M |
| Investing Cash Flow | -732.91K | - | -1.01M | -1.37M | -91.21M | -181.57M |
| Financing Cash Flow | 77.57M | - | -15.69M | 28.22M | -10.37M | -25.41M |
| Capital Expenditure | -410.90K | - | -1.01M | -1.37M | -1.46M | -2.69M |
| Free Cash Flow | -25.22M | - | 7.50M | -27.06M | 129.18M | 207.21M |
| Net Change in Cash | - | - | -8.18M | 1.16M | 29.07M | 2.93M |
| 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 % | - | - | 19.9% | 46.3% | 56.9% | 70.1% |
| Operating Margin % | - | - | -38.3% | 13.9% | 25.3% | 36.1% |
| Net Margin % | - | - | -30.3% | 4.5% | 29.0% | 29.6% |
| ROE % | -54.0% | - | -430.8% | 32.1% | 89.4% | 78.4% |
| ROCE % | -26.4% | - | -65.5% | 87.5% | 35.5% | 52.4% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.55% | 2.54M | $299.86M |
| 2 | Divisadero Street Capital Management, LP | 3.90% | 1.31M | $154.97M |
| 3 | Accredited Investors Inc. | 2.64% | 886.64K | $104.76M |
| 4 | Vanguard Capital Management LLC | 2.27% | 763.62K | $90.22M |
| 5 | State Street Corporation | 1.85% | 622.26K | $73.52M |
| 6 | Geode Capital Management, LLC | 1.55% | 521.04K | $61.56M |
| 7 | Morgan Stanley | 1.39% | 467.43K | $55.23M |
| 8 | Dimensional Fund Advisors LP | 1.36% | 458.22K | $54.14M |
| 9 | T. Rowe Price Investment Management, Inc. | 1.17% | 393.61K | $46.50M |
| 10 | Price (T.Rowe) Associates Inc | 1.13% | 380.93K | $45.01M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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