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 92.0%, 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 30.8%.
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 +29.2%, earnings +47.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 32.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 32.03% |
| 1 Year: | 29.20% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 47.00% |
Stock Price Performance
| 1 Year: | +34.30% |
| 6 Months: | +136.35% |
| 3 Months: | +197.49% |
| 1 Month: | +41.57% |
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)63.65 · Neutral
P/E of 32.34 is above the sector median of 13.30 — 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 92.0%.
- Healthy ROCE of 56.9%.
- Excellent profit margin of 30.8%.
- Compounding revenue at 32.0% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* 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. R2K | 182.39 | 32.34 | $6.13B | 0.00% | 56.94% | 91.95% | 32.03% | - |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | 10.44M | 11.46M | 16.18M | 25.25M | 30.19M | 35.55M | 48.17M | 52.02M | 57.48M | 73.28M |
| 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 |
| 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 |
| 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 | 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 | $454.56M |
| 2 | Divisadero Street Capital Management, LP | 3.90% | 1.31M | $234.92M |
| 3 | Accredited Investors Inc. | 2.64% | 886.64K | $158.80M |
| 4 | Vanguard Capital Management LLC | 2.27% | 763.62K | $136.77M |
| 5 | State Street Corporation | 1.85% | 622.26K | $111.45M |
| 6 | Geode Capital Management, LLC | 1.55% | 521.04K | $93.32M |
| 7 | Morgan Stanley | 1.39% | 467.43K | $83.72M |
| 8 | Dimensional Fund Advisors LP | 1.36% | 458.22K | $82.07M |
| 9 | T. Rowe Price Investment Management, Inc. | 1.17% | 393.61K | $70.50M |
| 10 | Price (T.Rowe) Associates Inc | 1.13% | 380.93K | $68.23M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SEZL
Sezzle to Join Four Fintech Investor Conferences in August, September - Stock Titan
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Sezzle (SEZL) Stock May Be Overvalued As Downgrade Questions Its Rally - Yahoo Finance
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Is Sezzle Inc (SEZL) Overvalued After 13.8% Rally? GF Value Says - GuruFocus
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$SEZL stock is down 9% today. Here's what we see in our data. - Quiver Quantitative
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Sezzle stock loses some sizzle after KBW downgrades to Market Perform (SEZL:NASDAQ) - Seeking Alpha
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Sezzle Inc. (NASDAQ: SEZL) plans Q2 2026 results call and investor events - Stock Titan
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SEZL — Frequently Asked Questions
What is the current share price of Sezzle Inc. (SEZL)?
As of 2026-07-14 21:23 PDT, Sezzle Inc. (SEZL) trades at $182.39 on NasdaqCM. Its 52-week range is $50.97 to $183.24.
What is the market capitalisation of SEZL?
Sezzle Inc. (SEZL) has a market capitalisation of $6.13B on NasdaqCM.
What is the P/E ratio of SEZL?
SEZL trades at a trailing price-to-earnings (P/E) ratio of 32.34. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 22.66.
What is the return on equity (ROE) of SEZL?
SEZL has a return on equity (ROE) of 91.95%. 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.